FY2015 10K Document

0001016178-15-000008.txt : 20150629 0001016178-15-000008.hdr.sgml : 20150629 20150629165534 ACCESSION NUMBER: 0001016178-15-000008 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20150331 FILED AS OF DATE: 20150629 DATE AS OF CHANGE: 20150629 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CARVER BANCORP INC CENTRAL INDEX KEY: 0001016178 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 133904174 STATE OF INCORPORATION: DE FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-13007 FILM NUMBER: 15958945 BUSINESS ADDRESS: STREET 1: 75 W 125TH ST CITY: NEW YORK STATE: NY ZIP: 10027-4512 BUSINESS PHONE: 2128764747 MAIL ADDRESS: STREET 1: 75 W 125TH ST CITY: NEW YORK STATE: NY ZIP: 10027-4512 10-K 1 fy201510kdocument.htm 10-K FY2015 10K Document

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 10-K

FOR ANNUAL AND TRANSITION REPORTS PURSUANT TO

SECTIONS 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934



S	ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended March 31, 2015



£	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _________ to _________

Commission File Number: 001-13007

CARVER BANCORP, INC.

(Exact name of registrant as specified in its charter)



Delaware	13-3904174
(State or Other Jurisdiction of Incorporation or Organization)	(I.R.S. Employer Identification No.)

75 West 125th Street, New York, New York	10027
(Address of Principal Executive Offices)	(Zip Code)

Registrant's telephone number, including area code: (718) 230-2900

Securities Registered Pursuant to Section 12(b) of the Act:



Common Stock, par value $.01 per share	NASDAQ Global Market
(Title of Class)	(Name of each Exchange on which registered)

Securities registered pursuant to Section 12(g) of the Act:

None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. o Yes x No

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. o Yes x No

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. x Yes o No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). x Yes o No

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):



o Large Accelerated Filer	o Accelerated Filer	o Non-accelerated Filer	x Smaller Reporting Company

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). o Yes x No

As of March 31, 2015 there were 3,696,087 shares of common stock of the Registrant outstanding. The aggregate market value of the Registrant's common stock held by non-affiliates, as of September 30, 2014 (based on the closing sales price of $9.11 per share of the registrant's common stock on September 30, 2014) was approximately $33,671,353.

DOCUMENTS INCORPORATED BY REFERENCE:

Portions of registrant's proxy statement for the Annual Meeting of Stockholders for the fiscal year ended March 31, 2015 are incorporated by reference into Part III of this Form 10-K.

CARVER BANCORP, INC.

2015 ANNUAL REPORT ON FORM 10-K

TABLE OF CONTENTS



		Page
PART I		3

ITEM 1.	BUSINESS.	3
ITEM 1A.	RISK FACTORS	28
ITEM 1B.	UNRESOLVED STAFF COMMENTS	35
ITEM 2.	PROPERTIES	35
ITEM 3.	LEGAL PROCEEDINGS	35
ITEM 4.	MINE SAFETY DISCLOSURES	36

PART II		36

ITEM 5.	MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES	36
ITEM 6.	SELECTED FINANCIAL DATA	37
ITEM 7.	MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	39
ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	52
ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA	53
ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE	95
ITEM 9A.	CONTROLS AND PROCEDURES	95
ITEM 9B.	OTHER INFORMATION	97

PART III		98

ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS OF THE REGISTRANT AND CORPORATE GOVERNANCE	98
ITEM 11.	EXECUTIVE COMPENSATION	98
ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS	98
ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE	98
ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES	98

PART IV		98

ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES	98

SIGNATURES		100

EXHIBIT INDEX		101

FORWARD-LOOKING STATEMENTS

This Annual Report on Form 10-K contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 which may be identified by the use of such words as “may,” “believe,” “expect,” “anticipate,” “should,” “plan,” “estimate,” “predict,” “continue,” and “potential” or the negative of these terms or other comparable terminology. Examples of forward-looking statements include, but are not limited to, estimates with respect to Carver Bancorp, Inc.'s (the "Company") financial condition, results of operations and business that are subject to various factors that could cause actual results to differ materially from these estimates. These factors include but are not limited to the following:


•	the ability of the Company to comply with its regulatory order, and the effect on operations resulting from restrictions set forth in such regulatory order;


•	the results of examinations by our regulators, including the possibility that our regulators may, among other things, require us to increase our reserve for loan losses, write down assets, change our regulatory capital position, limit our ability to borrow funds or maintain or increase deposits, or prohibit us from paying dividends, which could adversely affect our dividends and earnings;


•	restrictions set forth in the terms of the Series D preferred stock and in the exchange agreement with the United States Department of the Treasury (the "Treasury") that may limit our ability to raise additional capital;

•

national and/or local changes in economic conditions, which could occur from numerous causes, including political changes, domestic and international policy changes, unrest, war and weather, or conditions in the real estate, securities markets or the banking industry, which could affect liquidity in the capital markets, the volume of loan originations, deposit flows, real estate values, the levels of non-interest income and the amount of loan losses;


•	adverse changes in the financial industry and the securities, credit, national and local real estate markets (including real estate value);


•	changes in our existing loan portfolio composition (including increases in commercial lending) and credit quality or changes in loan loss requirements;


•	changes in the level of trends of delinquencies and write-offs and in our allowance and provision for loan losses;

•

legislative or regulatory changes that may adversely affect the Company’s business, including but not limited to the impact of the Dodd-Frank Wall Street Reform, the JOBS Act, the Consumer Protection Act and new capital regulations, which could result in, among other things, increased deposit insurance premiums and assessments, capital requirements, regulatory fees and compliance costs, and the resources we have available to address such changes;


•	changes in the level of government support of housing finance;


•	the Company’s success in implementing new business initiatives, including expanding its product line, adding new branches and ATM centers and successfully building its brand image;


•	our ability to control costs and expenses;


•	risks related to a high concentration of loans to borrowers secured by property located in our market area;


•	changes in interest rates, which may reduce net interest margin and net interest income;


•	increases in competitive pressure among financial institutions or non-financial institutions;


•	changes in consumer spending, borrowing and savings habits;


•	technological changes that may be more difficult to implement or more costly than anticipated;


•	changes in deposit flows, loan demand, real estate values, borrowing facilities, capital markets and investment opportunities, which may adversely affect our business;


•	changes in accounting standards, policies and practices, as may be adopted or established by the regulatory agencies, the Financial Accounting Standards Board could negatively impact the Company’s financial results;


•	litigation or regulatory actions, whether currently existing or commencing in the future, which may restrict our operations or strategic business plan;


•	the ability to originate and purchase loans with attractive terms and acceptable credit quality; and


•	the ability to attract and retain key members of management, and to address staffing needs in response to product demand or to implement business initiatives.

Because forward-looking statements are subject to numerous assumptions, risks and uncertainties, actual results or future events could differ possibly materially from those that the company anticipated in its forward-looking statements. The forward-looking statements contained in this Annual Report on Form 10-K are made as of the date of this Annual Report on Form 10-K, and the Company assumes no obligation to, and expressly disclaims any obligation to, update these forward-looking statements to reflect actual results, changes in assumptions or changes in other factors affecting such forward-looking statements or to update the reasons why actual results could differ from those projected in the forward-looking statements, except as legally required. For a discussion of additional factors that could adversely affect the Company's future performance, see “Item 1A - Risk Factors” and “Item 7 - Management's Discussion and Analysis of Financial Condition and Results of Operations.”

PART I

ITEM 1. BUSINESS.

OVERVIEW

Carver Bancorp, Inc., a Delaware corporation (the “Company”), is the holding company for Carver Federal Savings Bank (“Carver Federal” or the “Bank”), a federally chartered savings bank. The Company is headquartered in New York, New York. The Company conducts business as a unitary savings and loan holding company, and the principal business of the Company consists of the operation of its wholly-owned subsidiary, Carver Federal. Carver Federal was founded in 1948 to serve African-American communities whose residents, businesses and institutions had limited access to mainstream financial services. The Bank remains headquartered in Harlem, and predominantly all of its ten branches and four stand-alone 24/7 ATM centers are located in low- to moderate-income neighborhoods. Many of these historically underserved communities have experienced unprecedented growth and diversification of incomes, ethnicity and economic opportunity, after decades of public and private investment.

Carver Federal is the largest African-American operated bank in the United States. The Bank remains dedicated to expanding wealth enhancing opportunities in the communities it serves by increasing access to capital and other financial services for consumers, businesses and non-profit organizations, including faith-based institutions. A measure of its progress in achieving this goal includes the Bank's third consecutive "Outstanding" rating, issued by the OCC following its most recent Community Reinvestment Act (“CRA”) examination in December 2012. As of December 2012, approximately 78% of newly originated loans were within Carver's assessment area, and the Bank has demonstrated excellent responsiveness to its assessment area's needs through its community development lending, investing and service activities. The Bank had approximately $676.4 million in assets and employed 129 employees as of March 31, 2015.

Carver Federal engages in a wide range of consumer and commercial banking services. Carver Federal provides deposit products, including demand, savings and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its local market area within New York City. In addition to deposit products, Carver Federal offers a number of other consumer and commercial banking products and services, including debit cards, online banking, online bill pay and telephone banking. Carver Federal also offers a suite of products and services for unbanked and underbanked consumers, branded as Carver Community Cash. This includes check cashing, wire transfers, bill payment, reloadable prepaid cards and money orders.

Carver Federal offers loan products covering a variety of asset classes, including commercial, multifamily and residential mortgages, construction loans and business loans. The Bank finances mortgage and loan products through deposits or borrowings. Funds not used to originate mortgages and loans are invested primarily in U.S. government agency securities and mortgage-backed securities.

The Bank's primary market area for deposits consists of the areas served by its ten branches in the Brooklyn, Manhattan and Queens boroughs of New York City. The neighborhoods in which the Bank's branches are located have historically been low- to moderate-income areas. The Bank's primary lending market includes Kings, New York, Bronx and Queens Counties in New York City, and lower Westchester County, New York. Although the Bank's branches are primarily located in areas that were historically underserved by other financial institutions, the Bank faces significant competition for deposits and mortgage lending in its market areas. Management believes that this competition has become more intense as a result of increased examination emphasis by federal banking regulators on financial institutions' fulfillment of their responsibilities under the CRA and more recently due to the decline in demand for loans. Carver Federal's market area has a high density of financial institutions, many of which have greater financial resources, name recognition and market presence, and all of which are competitors to varying degrees. The Bank's competition for loans comes principally from commercial banks, savings institutions and mortgage banking companies. The Bank's most direct competition for deposits comes from commercial banks, savings institutions and credit unions. Competition for deposits also comes from money market mutual funds, corporate and government securities funds, and financial intermediaries such as brokerage firms and insurance companies. Many of the Bank's competitors have substantially greater resources and offer a wider array of financial services and products. This, combined with competitors' larger presence in the New York market, add to the challenges the Bank faces in expanding its current market share and growing its near-term profitability.

Carver Federal's more than 65 year history in its market area, its community involvement and relationships, targeted products and services and personal service consistent with community banking, help the Bank compete with competitors that have entered its market.

The Bank formalized its many community focused investments on August 18, 2005, by forming Carver Community Development Corporation ("CCDC"). CCDC oversees the Bank's participation in local economic development and other community-based initiatives, including financial literacy activities. CCDC coordinates the Bank's development of an innovative approach to reach the unbanked customer market in Carver Federal's communities. Importantly, CCDC spearheads the Bank's applications for grants and other resources to help fund these important community activities. In this connection, Carver Federal has successfully competed with large regional and global financial institutions in a number of competitions for government grants and other awards. In June 2006, CCDC was selected by the U.S. Department of Treasury, in a highly competitive process, to receive an award of $59 million in New Markets Tax Credits ("NMTC"). CCDC won a second NMTC award of $65 million in May 2009, and a third award of $25 million in August 2011. The NMTC award is used to stimulate economic development in low- to moderate-income communities. The NMTC awards enable the Bank to invest with community and development partners in economic development projects with attractive terms including, in some cases, below market interest rates, which may have the effect of attracting capital to underserved communities and facilitating revitalization of the community, pursuant to the goals of the NMTC program. NMTC awards provide a credit to Carver Federal against Federal income taxes when the Bank makes qualified investments. The credits are allocated over seven years from the time of the qualified investment. Alternatively, the Bank can utilize the award in projects where another investor entity provides funding and receives the tax benefits of the award in exchange for the Bank receiving fee income. As of March 31, 2015, all three award allocations have been fully utilized in qualifying projects. See "Item 7 - Management's Discussion and Analysis of Financial Condition and Results of Operations" and footnotes to the financial statements for additional details on the NMTC activities.

GENERAL

Carver Bancorp, Inc.

The Company is the holding company for Carver Federal and its other active direct subsidiary, Carver Statutory Trust I (the “Trust”), a Delaware trust.

The principal business of the Company consists of the operation of its wholly owned subsidiary, the Bank. The Company's executive offices are located at the home office of the Bank at 75 West 125th Street, New York, New York 10027. The Company's telephone number is (718) 230-2900.

Carver Federal Savings Bank

Carver Federal was chartered in 1948 and began operations in 1949 as Carver Federal Savings and Loan Association, a federally chartered mutual savings and loan association, at which time it obtained federal deposit insurance and became a member of the Federal Home Loan Bank of New York (the “FHLB-NY”). Carver Federal was founded as an African- and Caribbean-American operated institution to provide residents of underserved communities the ability to invest their savings and obtain credit. Carver Federal Savings and Loan Association converted to a federal savings bank in 1986 and changed its name at that time to Carver Federal Savings Bank.

On March 8, 1995, Carver Federal formed CFSB Realty Corp. as a wholly owned subsidiary to hold real estate acquired through foreclosure pending eventual disposition. At March 31, 2015, this subsidiary had $2.1 million in total assets. During the fourth quarter of the fiscal year ended March 31, 2003, Carver Federal formed Carver Asset Corporation (“CAC”), a wholly owned subsidiary which qualifies as a real estate investment trust (“REIT”) pursuant to the Internal Revenue Code of 1986, as amended. This subsidiary may, among other things, be utilized by Carver Federal to raise capital in the future. As of March 31, 2015, CAC owned mortgage loans carried at approximately $27.0 million and total assets of $129.2 million. On August 18, 2005, Carver Federal formed CCDC, a wholly owned community development entity, to facilitate and develop innovative approaches to financial literacy, address the needs of the unbanked and participate in local economic development and other community-based activities. As part of its operations, CCDC monitors the portfolio of investments related to NMTC awards and makes application for additional awards.

Carver Statutory Trust I

Carver Statutory Trust (the "Trust") was formed in 2003 for the purpose of issuing $13.0 million aggregate liquidation amount of floating rate Capital Securities due September 17, 2033 (“Capital Securities”) and $0.4 million of common securities, which are wholly owned by Carver Bancorp, Inc. and the sole voting securities of the Trust. The Company has fully and unconditionally guaranteed the Capital Securities along with all obligations of the Trust under the trust agreement relating to the Capital Securities. The Trust is not consolidated with the Company for financial reporting purposes in accordance with the Financial Accounting Standards Board's Accounting Standards Codification (“ASC”) regarding the consolidation of variable interest entities

(formerly FIN 46(R)). Under the Company's regulatory orders, the Company was prohibited from paying dividends without prior approval from the Office of the Comptroller of the Currency ("OCC"). Therefore, the Company has deferred the debenture interest payments on the prior subordinated debentures and the Trust has deferred distribution payments on the Capital Securities. The OCC lifted its order and determined the Bank is no longer in troubled condition, effective November 3, 2014. The Company has requested approval from the Federal Reserve to reinstate the debenture interest payment. As of March 31, 2015, the request remains pending.

Recapitalization Transaction

On June 29, 2011, the Company completed a private placement of 55,000 shares of the Company's Mandatorily Convertible Non-Voting Participating Preferred Stock, Series C (the "Series C Preferred Stock") to several institutional investors (the "Investors") for an aggregate purchase price of $55.0 million, with net proceeds of approximately $51.4 million.

Effective October 28, 2011, the Series C Preferred Stock converted into:


•	an aggregate of 1,208,039 shares of Common Stock, at a conversion price of $8.1765 (which reflects the 1-for-15 reverse stock split that was effective as of October 27, 2011); and


•	an aggregate of 45,118 shares of the Company's Convertible Non-Cumulative Non-Voting Participating Preferred Stock, Series D (the "Series D Preferred Stock"), at a ratio of 1:1.

In connection with the private placement, the Company entered into an Exchange Agreement (the "Exchange Agreement") with the U.S. Department of Treasury (the Treasury Department), pursuant to which the Treasury Department agreed to exchange the 18,980 shares of the Company's Fixed Rate Cumulative Perpetual Preferred Stock, Series B (the "Series B Preferred Stock") that it held for shares of Common Stock at the same conversion price applicable to the conversion of the Series C Preferred Stock (the "Exchange"). The Exchange was effective October 28, 2011, and the Series B Preferred Stock was exchanged for 2,321,286 shares of Common Stock.

In connection with the private placement and the Exchange, the Company held a meeting of its stockholders on October 25, 2011, at which the stockholders approved the conversion of the Series C Preferred Stock into shares of Series D Preferred Stock and Common Stock; the issuance of the Series D Preferred Stock; the subsequent conversion of the Series D Preferred Stock into shares of Common Stock in the event of certain transfers; the exchange of the Series B Preferred Stock for Common Stock; and an amendment of the Company's certificate of incorporation that permits the Treasury Department to vote shares of Common Stock that it holds in excess of 10% of the Company's outstanding Common Stock. In addition, the stockholders approved a 1-for-15 reverse stock split pursuant to which each 15 shares of the Company's Common Stock would be converted into one share of Common Stock. The 1-for-15 reverse stock split was effective as of October 27, 2011, resulting in a reduction in the number of outstanding shares of the Company's Common Stock from 2,510,238 to 166,975, an increase of the conversion price of the Series C Preferred Stock and the Series D Preferred Stock and the exchange ratio of the Series B Preferred Stock from $0.5451 to $8.1765, and a corresponding decrease in the number of shares of Common Stock issued to the Investors and the Treasury Department.

Personnel

At fiscal year end 2015, the Company had 129 employees. None of the Company's employees are a member of a collective bargaining agreement.

Available Information

The Company makes available on or through its internet website, http://www.carverbank.com, its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and all amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended. Such reports are available free of charge and as soon as reasonably practicable after the Company electronically files such material with, or furnishes it to, the Securities and Exchange Commission (“SEC”). The public may read and copy any materials the Company files with the SEC at the SEC's Public Reference Room at 100 F Street N.E. Washington D.C. 20549. Information may be obtained on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC maintains an internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC, including the Company, at http://www.sec.gov.

In addition, certain other basic corporate documents, including the Company's Corporate Governance Principles, Code of Ethics, Code of Ethics for Senior Financial Officers, the charters of the Company's Finance and Audit Committee, Compensation Committee and Nominating/Corporate Governance Committee and the date of the Company's annual meeting are posted on the Company's website. Printed copies of these documents are also available free of charge to any stockholder who requests them. Stockholders seeking additional information should contact the Corporate Secretary's office by mail at 75 West 125th Street, New York, New York 10027 or by e-mail at corporatesecretary@carverbank.com. Information provided on the Company's website is not part of this annual report.

Lending Activities

General. Carver Federal's loan portfolio consists primarily of mortgage loans originated by the Bank's lending teams and secured by commercial real estate, multifamily and one-to-four family residential property and construction loans. Substantially all of the Bank's mortgage loans are secured by properties located within the Bank's market area. From time to time, the Bank may purchase loans that comply with the Bank's underwriting standards from other financial institutions or in contiguous market geographies to achieve loan growth objectives.

In recent years, Carver Federal has focused on the origination of commercial real estate loans and multifamily residential loans. These loans generally have higher yields and shorter maturities than one-to-four family residential properties, and include prepayment penalties that the Bank collects if the loans pay in full prior to the contractual maturity. The Bank's increased emphasis on portfolio management and monitoring of the commercial real estate and multifamily residential mortgage loans was required given the increase of the overall level of credit risk inherent in this market segment. Due to the overall improvement in the loan portfolio, the Bank has been able to recover provision for loan losses in years 2013 to 2015. However, the greater risk associated with commercial real estate and multifamily residential loans may require the Bank to increase its provisions for loan losses and could require the Bank to maintain an allowance for loan losses as a percentage of total loans in excess of the allowance currently maintained. Carver Federal continually reviews the composition of its mortgage loan portfolio and underwriting standards to manage the risk in the portfolio.

Loan Portfolio Composition. Total loans receivable increased $91.6 million, or 23.5%, to $481.5 million at March 31, 2015 compared to $389.8 million at March 31, 2014. Carver Federal's total loans receivable as a percentage of total assets increased to 71.2% at March 31, 2015 compared to 60.9% at March 31, 2014. Commercial real estate loans totaled $186.4 million, or 38.7% of total loans receivable at March 31, 2015 compared to $198.8 million, or 51.0% of total loans receivable at March 31, 2014; one-to-four family mortgage loans totaled $125.0 million, or 26.0% of total loans receivable at March 31, 2015 compared to $111.2 million, or 28.5% at March 31, 2014; multifamily loans totaled $93.8 million, or 19.5% of total loans receivable at March 31, 2015 compared to $47.4 million, or 12.2% at March 31, 2014; business loans totaled $70.7 million, or 14.7% of total loans receivable at March 31, 2015 compared to $27.1 million, or 7.0% at March 31, 2014; construction loans at March 31, 2015 and March 31, 2014 (net of committed but undisbursed funds), totaled $5.1 million, or 1.1% and 1.3%, respectively, of total loans receivable; and consumer loans (credit card loans, personal loans, and home improvement loans) totaled $434 thousand or 0.09% of total loans receivable at March 31, 2015, compared to $138 thousand, or 0.04% at March 31, 2014.

The following is a summary of loans receivable, net of allowance for loan losses as of:



	March 31, 2015					March 31, 2014					March 31, 2013					March 31, 2012					March 31, 2011
$ in thousands	Amount			%		Amount			%		Amount			%		Amount			%		Amount			%
Gross loans receivable:
One-to-four family	$	125,020		26.0	%	$	111,220		28.5	%	$	73,625		19.8	%	$	66,313		16.0	%	$	82,061		14.1	%
Multifamily	93,780			19.5		47,399			12.2		56,427			15.2		78,859			19.0		123,791			21.3
Commercial real estate	186,443			38.7		198,808			51.0		203,813			54.9		207,505			50.0		243,786			41.9
Construction	5,107			1.1		5,100			1.3		1,228			0.3		16,471			4.0		78,055			13.4
Business	70,679			14.7		27,149			7.0		35,795			9.6		44,424			10.7		53,248			9.1
Consumer and other ⁽¹⁾	434			0.1		138			—		247			0.1		1,258			0.3		1,349			0.2
Total loans receivable	$	481,463		100.0	%	$	389,814		100.0	%	$	371,135		100.0	%	414,830			100.0	%	582,290			100.0	%

Add:
Premium on loans	2,233					957					728					137					120
Less:
Deferred fees and loan discounts, net	(503		)			(815		)			(1,741		)			(2,109		)			(2,107		)
Allowance for loan losses	(4,477		)			(7,233		)			(10,989		)			(19,821		)			(23,147		)
Total loans receivable, net	$	478,716				$	382,723				$	359,133				$	393,037				$	557,156


⁽¹⁾	Includes personal loans

One-to-four Family Residential Lending. Carver Federal originates and purchases first mortgage loans secured by one-to-four family properties that serve as the primary residence of the owner. In fiscal 2015, the Bank purchased $26.1 million one-to-four family loans compared to $55.5 million purchased in fiscal 2014. To a much lesser degree, the Bank has made loans to investors that are secured by non-owner occupied one-to-four family properties. Approximately 15.3% of the one-to-four family residential mortgage loans maturing in greater than one year at March 31, 2015 were adjustable rate and approximately 84.7% were fixed-rate. One-to-four family residential real estate loans increased $13.8 million, or 12.4%, to $125.0 million at March 31, 2015 compared to $111.2 million at March 31, 2014.

Carver Federal's fixed-rate, one-to-four family residential mortgage loans are underwritten in accordance with applicable secondary market underwriting guidelines and requirements for sale. From time to time, the Bank has sold such loans to Fannie Mae, the State of New York Mortgage Agency (“SONYMA”) and other third parties. Loans are generally sold with limited recourse on a servicing retained basis except to SONYMA where the sale is made with servicing released. Carver Federal uses a servicing firm to sub-service mortgage loans, whether held in portfolio or sold with servicing retained. At March 31, 2015, the Bank, through its sub-servicer, serviced $27.5 million in loans for FNMA and $2.9 million for other third parties. The Bank has recorded $210 thousand in related mortgage servicing rights.

The retention of adjustable-rate loans in Carver Federal's portfolio helps reduce Carver Federal's exposure to increases in prevailing market interest rates. However, there are credit risks resulting from potential increases in costs to borrowers in the event of upward repricing of adjustable-rate loans. It is possible that during periods of rising interest rates, the risk of default on adjustable-rate loans may increase due to increases in interest costs to borrowers. Although adjustable-rate loans allow the Bank to increase the sensitivity of its interest-earning assets to changes in interest rates, the extent of this interest rate sensitivity is limited by periodic and lifetime interest rate adjustment limitations. Accordingly, there can be no assurance that yields on the Bank's adjustable-rate loans will fully adjust to compensate for increases in the Bank's cost of funds. Adjustable-rate loans increase the Bank's exposure to decreases in prevailing market interest rates, although decreases in the Bank's cost of funds would tend to offset this effect.

The Bank previously originated or purchased a limited amount of subprime loans (which are defined as those loans which have FICO scores of 660 or less). At March 31, 2015, the Bank had $9.5 million in subprime loans, or 2.0%, of its total loan portfolio of which $959 thousand are non-performing loans.

Multifamily Real Estate Lending. Traditionally, Carver Federal originates and purchases multifamily loans. Multifamily property lending entails additional risks compared to one-to-four family residential lending. For example, such loans are dependent on the successful operation of such buildings and can be significantly impacted by supply and demand conditions in the market for multifamily residential units. Carver Federal's multifamily real estate loan portfolio increased $46.4 million, or 97.9%, to $93.8 million in fiscal 2015, or 19.5% of Carver Federal's total loan portfolio at March 31, 2015.

In making multifamily real estate loans, the Bank primarily considers the property's ability to generate net operating income sufficient to support the debt service, the financial resources, income level and managerial expertise of the borrower, the marketability of the property and the Bank's lending experience with the borrower. Carver Federal's multifamily real estate product guidelines generally require that the maximum LTV at origination not exceed 75% based on the appraised value of the mortgaged property on all such loans. The Bank generally requires a debt service coverage ratio at origination of at least 1.20 on multifamily real estate loans, which requires the properties to generate cash flow after expenses and allowances in excess of the principal and interest payment. Carver Federal originates and purchases multifamily real estate loans, which are predominantly adjustable rate loans that generally amortize on the basis of a 15-, 20-, or 25- year period and require a balloon payment after the first five years, or the borrower may have an option to extend the loan for additional periods. The Bank occasionally originates fixed rate loans with greater than five year terms. Personal guarantees may be obtained for additional security from these borrowers.

To help ensure continued collateral protection and asset quality for the term of multifamily real estate loans, Carver Federal employs a risk rating system for its loans. All commercial loans, including multifamily real estate loans, are risk rated internally at the time of origination. Management continually monitors all commercial loans in order to update risk ratings when necessary (see Asset Classification and Allowance for Loan and Lease Losses for additional information on asset classification and risk ratings). In addition, to assist the Bank in evaluating changes in the credit profile of the borrower and the underlying collateral, an independent consulting firm reviews and prepares a written report for a sample of commercial loan relationships. On a quarterly basis: i) all new/renewed loans greater than $500,000, ii) a sampling of loans $100,000 to $999,999, and iii) all criticized and classified loans, are reviewed. In addition, on an annual basis, all loans greater than $500,000 and a sampling of loans $100,000 to $499,999 are reviewed. Summary reports documenting the loan reviews are then reviewed by management for changes in the credit profile of individual borrowers and the portfolio as a whole.

Commercial Real Estate Lending. Commercial real estate lending consists predominantly of originating loans for the purpose of purchasing or refinancing office, mixed-use (properties used for both commercial and residential purposes but predominantly commercial), retail and church buildings in the Bank's market area. Mixed-use loans are secured by properties that are intended for both residential and business use and are classified as commercial real estate. Although Carver has experienced favorable loss history associated with commercial real estate loans, these loans may entail additional risks compared with one-to-four family residential and multifamily lending. For example, such loans typically involve larger loan balances to single borrowers or groups of related borrowers and the payment experience on such loans typically is dependent on the successful operation of the commercial property.

In making commercial real estate loans, the Bank primarily considers the ability of the net operating income generated by the real estate to support the debt service, the financial resources, income level and managerial expertise of the borrower, the marketability of the property and the Bank's lending experience with the borrower. Carver Federal's maximum loan-to-value (“LTV”) ratio on commercial real estate mortgage loans at origination is generally 75% based on the latest appraised value of the mortgaged property. The Bank generally requires a debt service coverage ratio (“DSCR”) at origination of at least 1.25 on commercial real estate loans. The Bank also requires the assignment of rents of all tenants' leases in the mortgaged property and personal guarantees may be obtained for additional security from these borrowers.

At March 31, 2015, commercial real estate mortgage loans totaled $186.4 million, or 38.7% of the total loan portfolio. This balance reflects a year-over-year decrease of $12.4 million, or 6.2%.

The Bank offers adjustable rate mortgage (“ARM”) loans with interest rate adjustment periods of one to five years and generally for terms of up to 15 years and amortization schedules up to 30 years. Interest rates on ARM loans currently offered by the Bank are adjusted at the beginning of each adjustment period and generally are based upon a fixed spread above the FHLB-NY corresponding regular advance rate. From time to time, the Bank may originate ARM loans at an initial rate lower than the index as a result of a discount on the spread for the initial adjustment period. Commercial adjustable-rate mortgage loans generally are not subject to limitations on interest rate increases either on an adjustment period or aggregate basis over the life of the loan.

Historically, Carver Federal has been a New York City metropolitan area leader in the origination of loans to churches. At March 31, 2015, loans to churches totaled $13.5 million, or 2.8% of the Bank's gross loan portfolio. These loans generally have five-, seven-, or ten-year terms with 15-, 20- or 25-year amortization periods, a balloon payment due at the end of the term and generally have no greater than a 70% LTV ratio at origination. The Bank has also provided construction financing for churches and generally provides permanent financing upon completion of construction. There are currently 18 church loans in the Bank's loan portfolio.

Loans secured by real estate owned by faith-based organizations generally are larger and involve greater risks than one-to-four family residential mortgage loans. Because payments on loans secured by such properties are often dependent on voluntary contributions by members of the church's congregation, repayment of such loans may be subject to a greater extent to adverse

conditions in the economy. The Bank seeks to minimize these risks in a variety of ways, including reviewing the organization's financial condition, limiting the size of such loans and establishing the quality of the collateral securing such loans. The Bank determines the appropriate amount and type of security for such loans based in part upon the governance structure of the particular organization, the length of time the church has been established in the community and a cash flow analysis to determine the church's ability to service the proposed loan. Carver Federal will obtain a first mortgage on the underlying real property and often requires personal guarantees of key members of the congregation and/or key person life insurance on the pastor. The Bank may also require the church to obtain key person life insurance on specific members of the church's leadership. While asset quality in the church loan category historically has been one of the strongest asset classes, recent economic conditions have produced higher delinquencies in this portfolio. While management believes that Carver Federal will remain a leading lender to churches in its market area, Carver will continue to conduct disciplined underwriting and maintain focused portfolio management.

Construction Lending. The Bank has historically originated or participated in construction loans for new construction and renovation of multifamily buildings, residential developments, community service facilities, churches, and affordable housing programs. The Bank's construction loans generally have adjustable interest rates and are underwritten in accordance with the same standards as the Bank's mortgage loans on existing properties. The loans provide for disbursement in stages as construction is completed. Participation in construction loans may be at various stages of funding. Construction terms are usually from 12 to 24 months. The construction loan interest is capitalized as part of the overall project cost and is funded monthly from the loan proceeds. Borrowers must satisfy all credit requirements that apply to the Bank's permanent mortgage loan financing for the mortgaged property. Carver Federal has additional criteria for construction loans including an engineer's plan and periodic cost reviews on all construction budgets for loans in excess of $250,000.

Construction financing generally is considered to involve a higher degree of risk of loss than long-term financing on improved and occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the mortgaged property's value at completion of construction or development and the estimated cost (including interest) of construction. During the construction phase, a number of factors could result in project delays and cost overruns. If the estimate of construction costs proves to be inaccurate, the Bank may be required to advance funds beyond the amount originally committed to permit completion of the development. If the estimate of value proves to be inaccurate, the Bank may be confronted, at or prior to the maturity of the loan, with a project having a value that is insufficient to assure full repayment of such loan. The ability of a developer to sell completed dwelling units will depend on, among other things, demand, pricing, availability of comparable properties and economic conditions. During fiscal 2012, the Bank sought to minimize this risk by limiting construction lending to experienced borrowers in the Bank's market areas, limiting the aggregate amount of outstanding construction loans and imposing a stricter LTV ratio requirement than that required for one-to-four family mortgage loans.

At March 31, 2015, the Bank had $5.1 million in construction loans outstanding, comprising 1.1% of the Bank's gross loan portfolio.

Business Loans. Carver Federal's small business lending portfolio increased $43.5 million to $70.7 million, or 14.7%, of the Bank's gross loan portfolio in fiscal 2015. Carver Federal provides revolving credit and term loan facilities to small businesses with annual sales of approximately $1 million to $25 million in manufacturing, services and wholesale segments. Business loans are typically personally guaranteed by the owners and may also be secured by additional collateral, including real estate, equipment and inventory.

Consumer and other Loans. At March 31, 2015, the Bank had $434 thousand in consumer and other loans, or 0.09%, of the Bank's gross loan portfolio, primarily made up of unsecured loans, consisting of consumer loans, other than loans secured by savings deposits.

Consumer loans are not typically secured by collateral and therefore involve more risk than first mortgage loans. Collection of a delinquent loan is dependent on the borrower's continuing financial stability and is more likely to be adversely affected by changes in employment, marital status, health and other personal financial factors. Further, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered. These loans may also give rise to claims and defenses by a borrower against Carver Federal, including claims and defenses that the borrower has against the seller of the underlying collateral. In underwriting unsecured consumer loans other than secured credit cards, Carver Federal considers the borrower's credit history, an analysis of the borrower's income, expenses and ability to repay the loan and the value of the collateral. The underwriting for secured credit cards only takes into consideration the value of the underlying collateral. See “Asset Quality-Non-performing Assets.”

Loan Processing. Carver Federal's loan originations are derived from a number of sources, including referrals by realtors, builders, depositors, borrowers and mortgage brokers, as well as walk-in and telephone customers. Loans are originated by the Bank's personnel who receive a base salary, commissions and other incentive compensation. Real estate, business and unsecured

loan applications are forwarded to the Bank's Lending Department for underwriting pursuant to standards established in Carver Federal's loan policy. The underwriting and loan processing for residential one-to-four family loans are performed by an outsourced third party loan originator using lending standards established by the Bank.

A commercial real estate loan application is completed for all multifamily and non-residential properties that the Bank finances. Prior to loan approval, the property is inspected by a loan officer. As part of the loan approval process, consideration is given to an independent appraisal, location, accessibility, stability of the neighborhood, environmental assessment, personal credit history and the financial capacity of the applicant(s). Business loan applications are completed for all business loans. Most business loans are secured by real estate, personal guarantees, and/or guarantees by the United States Small Business Administration (“SBA”) or Uniform Commercial Code (“UCC”) filings. The loan approval process considers the credit history of the applicant, collateral, cash flow and purpose and stability of the business.

Upon receipt of a completed loan application from a prospective borrower, a credit report and other verifications are ordered to confirm specific information relating to the loan applicant's income and credit standing. It is the Bank's policy to obtain an appraisal of the real estate intended to secure a proposed mortgage loan from an independent appraiser approved by the Bank.

It is Carver Federal's policy to record a lien on the real estate securing the loan and to obtain a title insurance policy that insures that the property is free of prior encumbrances. Borrowers must also obtain hazard insurance policies prior to closing and, when the property is in a flood plain as designated by the Department of Housing and Urban Development, obtain flood insurance. Most borrowers are also required to advance funds on a monthly basis, together with each payment of principal and interest, to a mortgage escrow account from which the Bank makes disbursements for items such as real estate taxes and hazard insurance. Written confirmation of the guarantee for SBA loans and evidence of the UCC filing is also required.

Loan Approval. Except for real estate and business loans in excess of $6.0 million and $3.0 million, respectively, mortgage and business loan approval authority has been delegated by the Bank's Board to the Board's Asset Liability and Interest Rate Risk Committee. The Asset Liability and Interest Rate Risk Committee has delegated to the Bank's Management Loan Committee, which consists of certain members of executive management, loan approval authority for loans up to and including $3.0 million for real estate loans and $1.0 million for all other business loans. Real estate and business loans above $6.0 million and $3.0 million, respectively, must be approved by the full Board. Purchased loans are subject to the same approval process as originated loans. One-to-four family mortgage loans that conform to FNMA, FHA and Federal Home Loan Mortgage Corporation (FHLMC), standards and limits may be approved by the outsourced third party loan originator. Under the Bank's Orders (see "Regulation and Supervision" section in Item 1), the Bank was restricted from originating new CRE loans without prior regulatory approval. On December 28, 2011, the OCC provided the Bank's Board, or a committee of the Board, authority to approve origination of CRE loans under certain conditions, which includes a certification that the extension of credit is in the best interest of the Bank.

Loans-to-One-Borrower. Under the loans-to-one-borrower limits of the OCC, with certain limited exceptions, loans and extensions of credit to a single or related group of borrowers outstanding at one time generally may not exceed 15% of the unimpaired capital and surplus of a savings bank. See “Regulation and Supervision-Federal Banking Regulation-Loans-to-One-Borrower Limitations.” At March 31, 2015, the maximum loans-to-one-borrower under this test is $11.3 million and the Bank had no relationships that exceeded this limit.

Loan Originations and Purchases. Loan originations, including loans originated for sale, were $66.0 million in fiscal 2015 compared to $68.5 million in fiscal 2014. The Bank purchased $85.9 million in loans during fiscal year 2015 compared to $55.7 million during fiscal year 2014.

The following table sets forth certain information with respect to Carver Federal's loan originations and advances, purchases and sales for the fiscal years ended March 31:



	2015				2014					2013
$ in thousands	Amount		Percent		Amount			Percent		Amount			Percent
Loans Originated:
One-to-four family	$	141	0.1	%	$	240		0.2	%	$	1,130		2.7	%
Multifamily	3,433		2.3	%	8,693			7.0	%	—			—	%
Commercial real estate	52,305		34.4	%	47,957			38.6	%	21,130			49.6	%
Construction	—		—	%	5,100			4.1	%	—			—	%
Business	10,091		6.6	%	5,796			4.7	%	5,764			13.5	%
Consumer and others ⁽¹⁾	—		—	%	664			0.5	%	8			—	%
Total loans originated	65,970		43.4	%	68,450			55.1	%	28,032			65.8	%
Loans purchased⁽²⁾	85,873		56.6	%	55,689			44.9	%	14,533			34.1	%
Total loans originated and purchased	151,843		100	%	124,139			100	%	42,565			100	%
Loans sold ⁽³⁾	—				(20,788		)			(27,306		)
Net additions to loan portfolio	$	151,843			$	103,351				$	15,259


⁽¹⁾	Comprised of personal loans.


⁽²⁾	Comprised of one-to-four family residential, commercial real estate, multifamily mortgage loans and business loans with a net book value of $85.7 million purchased from a third party and $129 thousand repurchased from FNMA.


⁽³⁾	Comprised of primarily one-to-four family mortgage loans and commercial loans in 2014 and construction and commercial real estate loans in 2013.

Loans purchased by the Bank entail certain risks not necessarily associated with loans the Bank originates. The Bank's purchased loans are generally acquired without recourse, with certain exceptions related to the seller's compliance with representations and warranties, and in accordance with the Bank's underwriting criteria for originations. In addition, purchased loans have a variety of terms, including maturities, interest rate caps and indices for adjustment of interest rates, that may differ from those offered at that time by the Bank. The Bank initially seeks to purchase loans in its market area. However, the Bank may purchase loans secured by property outside its market area to meet its financial objectives. The market areas in which the properties that secure the purchased loans are located may differ from Carver Federal's market area and may be subject to economic and real estate market conditions that may significantly differ from those experienced in Carver Federal's market area. There can be no assurance that economic conditions in these out-of-state markets will not deteriorate in the future, resulting in increased loan delinquencies and loan losses among the loans secured by property in these areas.

In an effort to reduce risks, the Bank has sought to ensure that purchased loans satisfy the Bank's underwriting standards and do not otherwise have a higher risk of collection or loss than loans originated by the Bank. A review of each loan is conducted prior to purchase, and the Bank also requires appropriate documentation and further seeks to reduce its risk by requiring, in each buy/sell agreement, a series of warranties and representations as to the underwriting standards and the enforceability of the related legal documents. These warranties and representations remain in effect for the life of the loan. Any misrepresentation must be cured within 90 days of discovery or trigger certain repurchase provisions in the buy/sell agreement.

Loan Maturity Schedule. The following table sets forth information at March 31, 2015 regarding the amount of loans maturing in Carver Federal's portfolio, including scheduled repayments of principal, based on contractual terms to maturity. Demand loans, loans having no schedule of repayments and no stated maturity, and overdrafts are reported as due in one year or less. The table below does not include any estimate of prepayments, which significantly shorten the average life of all mortgage loans and may cause Carver Federal's actual repayment experience to differ significantly from that shown below:



Loan Maturities
$ in thousands	<1 Yr.		1-5 Yrs.		5-20+ Yrs.		Total
Gross loans receivable:
One-to-four family	$	327	$	4,840	$	119,853	$	125,020
Multifamily	5,562		46,105		42,113		93,780
Commercial real estate	12,285		96,785		77,373		186,443
Construction	—		5,107		—		5,107
Business	10,525		28,142		32,012		70,679
Consumer	402		28		4		434
Total	$	29,101	$	181,007	$	271,355	$	481,463

The following table sets forth as of March 31, 2015, amounts in each loan category that are contractually due after March 31, 2015 and whether such loans have fixed or adjustable interest rates. Scheduled contractual principal repayments of loans do not necessarily reflect the actual lives of such assets. The average life of long-term loans is substantially less than their contractual terms due to prepayments. In addition, due-on-sale clauses in mortgage loans generally give Carver Federal the right to declare a conventional loan due and payable in the event, among other things, that a borrower sells the real property subject to the mortgage and the loan is not repaid. The average life of mortgage loans tends to increase when current mortgage loan market rates are higher than rates on existing mortgage loans and tends to decrease when current mortgage loan market rates are lower than rates on existing mortgage loans:



	Due After March 31, 2015
$ in thousands	Fixed		Adjustable		Total
Gross loans receivable:
One-to-four family	$	105,614	$	19,079	$	124,693
Multifamily	78,149		10,069		88,218
Commercial real estate	156,941		17,217		174,158
Construction	5,107		—		5,107
Business	41,561		18,593		60,154
Consumer	32		—		32
Total	$	387,404	$	64,958	$	452,362

Asset Quality

General. One of the Bank's key operating objectives continues to be to maintain a high level of asset quality. Through a variety of strategies, including, but not limited to, monitoring loan delinquencies and borrower workout arrangements, the Bank has been proactive in addressing problem loans and non-performing assets.

The underlying credit quality of the Bank's loan portfolio is dependent primarily on each borrower's ability to continue to make required loan payments and, in the event a borrower is unable to continue to do so, the adequacy of the value of the collateral securing the loan. For non-owner occupied non-residential real estate and multifamily real estate loans, the borrower's ability to pay typically is dependent on rental income, which can be impacted primarily by vacancies and general market conditions. For one-to-four family loans, a borrowers' ability to pay typically is dependent primarily on employment and other sources of income. For owner occupied non-residential real estate, a borrower's ability to pay typically is dependent primarily on the success of the borrower's business. For all of the Bank's loans, a borrower's ability to pay is also impacted by general economic and other factors, such as unanticipated expenditures or changes in the financial markets. Collateral values, particularly real estate values, are also impacted by a variety of factors, including general economic conditions, demographics, maintenance and collection or foreclosure delays.

Non-performing Assets. Non-performing assets consist of nonaccrual loans, loans held-for-sale, and property acquired in settlement of loans, including foreclosure. When a borrower fails to make a payment on a loan, the Bank and/or its loan servicers take prompt steps to have the delinquency cured and the loan restored to current status. This includes a series of actions such as phone calls, letters, customer visits and, if necessary, legal action. In the event the loan has a guarantee, the Bank may seek to recover on the guarantee, including, where applicable, from the Small Business Administration (“SBA”). Loans that remain delinquent are reviewed for reserve provisions and charge-off. The Bank's collection efforts continue after the loan is charged off, except when a determination is made that collection efforts have been exhausted or are not productive.

The Bank may from time to time agree to modify the contractual terms of a borrower's loan. In cases where such modifications represent a concession to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring (“TDR”). Loans modified in a TDR are placed on nonaccrual status until the Bank determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate a period of performance according to the restructured terms for a minimum of six months. At March 31, 2015, loans classified as a troubled debt restructuring totaled $10.2 million, of which $6.6 million were classified as performing.

The following table sets forth information with respect to Carver Federal's non-performing assets, which includes nonaccrual loans, loans held-for-sale, and property acquired in settlement of loans as of March 31:



$ in thousands	2015			2014			2013			2012			2011
Loans accounted for on a nonaccrual basis ⁽¹⁾:
Gross loans receivable:
One-to-four family	$	3,664		$	2,301		$	7,642		$	6,988		$	15,993
Multifamily	1,053			2,240			423			2,923			6,786
Commercial real estate	2,817			7,024			14,788			24,467			10,078
Construction	—			—			1,230			11,325			37,218
Business	861			993			6,505			8,862			7,289
Consumer	—			1			38			23			42
Total nonaccrual loans	8,395			12,559			30,626			54,588			77,406

Other non-performing assets ⁽²⁾
Real estate owned	4,341			1,369			2,386			2,183			564
Loans held-for-sale	2,576			5,011			13,107			29,626			9,205
Total other non-performing assets	6,917			6,380			15,493			31,809			9,769
Total non-performing assets ⁽³⁾	$	15,312		$	18,939		$	46,119		$	86,397		$	87,175

Accruing loans contractually past due > 90 days ⁽⁴⁾	$	—		$	—		$	—		$	—		$	—

Non-performing loans to total loans	1.74		%	3.22		%	8.27		%	13.22		%	13.34		%
Non-performing assets to total assets	2.26		%	2.96		%	7.23		%	13.47		%	12.29		%


⁽¹⁾	Nonaccrual status denotes any loan where the delinquency exceeds 90 days past due and in the opinion of management, the collection of contractual interest and/or principal is doubtful. Payments received on a nonaccrual loan are either applied to the outstanding principal balance or recorded as interest income, depending on assessment of the ability to collect on the loan.


⁽²⁾	Other non-performing assets generally represent loans that the Bank is in the process of selling and has designated held-for-sale or property acquired by the Bank in settlement of loans less costs to sell (i.e. through foreclosure, repossession or as an in-substance foreclosure). These assets are recorded at the lower of their cost or fair value.

⁽³⁾

Troubled debt restructured loans performing in accordance with their modified terms for less than six months and those not performing in accordance with their modified terms are considered nonaccrual and are included in the nonaccrual category in the table above. TDR loans included in the nonaccrual category above totaled $3.6 million at 2015, $3.0 million at 2014, $16.7 million at 2013, $21 million at 2012, and $23.8 million at 2011. TDR loans that have performed in accordance with their modified terms for a period of at least six months are generally considered performing loans and are not presented in the table above. Performing TDR loans were $4.6 million at 2015, $6.3 million at 2014, $5 million at 2013, $3.5 million at 2012, and $442 thousand at 2011.


⁽⁴⁾	Loans 90 days or more past maturity and still accruing, which were not included in the non-performing category, are presented in the above table.

At March 31, 2015, total non-performing assets decreased by $3.6 million, or 19.2%, to $15.3 million, compared to $18.9 million at March 31, 2014 as a result of a decrease in nonaccrual loans, year over year. Nonaccrual loans at March 31, 2015 consist of nineteen one-to-four family loans, eight consumer loans, five multifamily loans, five commercial real estate loans and five small business and SBA loans. The decrease in delinquent loans from the prior year is primarily the result of stabilized, if not improved, economic conditions and Carver's proactive approach to addressing and managing delinquencies. Management believes that there may be losses associated with certain delinquent loans in the future, but also notes that the amount of losses will be reduced by the increased value of properties securing these delinquent loans and the Bank's loan loss reserves. Other non-performing assets at year-end 2015 includes a portfolio of loans held-for sale and real estate owned assets consisting of nine properties foreclosed upon. At March 31, 2015, Carver had 11 loans secured by one-to-four family residential real estate in the process of foreclosure for a total outstanding balance of $1.9 million.

Although we believe that substantially all risk elements at March 31, 2015 have been disclosed, it is possible that for a variety of reasons, including economic conditions, certain borrowers may be unable to comply with the contractual repayment terms on certain real estate and commercial loans. For additional information about certain factors that my affect the future performance of the Company's loan portfolio, please see "Item 1A - Risk Factors" and "Forward Looking Statements."

Asset Classification and Allowances for Losses. Federal regulations and the Bank's policies require the classification of assets on the basis of credit quality on a quarterly basis. An asset is classified as “substandard” if it is non-performing and/or determined to be inadequately protected by the current net worth and paying capacity of the obligor or the current value of the collateral pledged, if any. An asset is classified as “doubtful” if full collection is highly questionable or improbable. An asset is classified as “loss” if it is considered uncollectible, even if a partial recovery could be expected in the future. The regulations also provide for a “special mention” designation, described as assets that do not currently expose a savings institution to a sufficient degree of risk to warrant substandard classification but do possess credit deficiencies or potential weaknesses deserving management's close attention. Assets classified as substandard or doubtful result in a higher level of allowances for loan losses

recorded in accordance with ASC Subtopic 450-20 “Loss Contingencies.” If an asset or portion thereof is classified as a loss, a savings institution must either establish specific allowances for loan losses pursuant to loan impairment guidance in ASC Section 310-10-35 in the amount of the portion of the asset classified as a loss or charge off such amount. Federal examiners may disagree with a savings institution's classifications. If a savings institution does not agree with an examiner's classification of an asset, it may appeal this determination to the OCC Regional Director.

The OCC, in conjunction with the other federal banking agencies, has adopted an interagency policy statement on the allowance for loan losses and lease losses ("ALLL"). The policy statement provides guidance for financial institutions on both the responsibilities of management for the assessment and establishment of adequate allowances and guidance for banking agency examiners to use in determining the adequacy of general valuation guidelines. Generally, the policy statement recommends that institutions have effective systems and controls to identify, monitor and address asset quality problems; that management analyze all significant factors that affect the ability to collect the portfolio in a reasonable manner; and that management establish acceptable allowance evaluation processes that meet the objectives set forth in the policy statement. Management is responsible for determining the adequacy of the allowance for loan losses and the periodic provisioning for estimated losses included in the consolidated financial statements. The evaluation process is undertaken on a quarterly basis, but may increase in frequency should conditions arise that would require management's prompt attention, such as business combinations and opportunities to dispose of non-performing and marginally performing loans by bulk sale or any development which may indicate an adverse trend. Although management believes that adequate specific and general loan loss allowances have been established, actual losses are dependent upon future events and, as such, further additions to the level of specific and general loan loss allowances may become necessary. Federal examiners may disagree with a savings institution as to the appropriate level of the institution's allowance for loan losses. While management believes Carver Federal has established its existing loss allowances in accordance with the ALLL policy, there can be no assurance that regulators, in reviewing Carver Federal's assets, will not require Carver Federal to increase its loss allowance, thereby negatively affecting Carver Federal's reported financial condition and results of operations. For additional information regarding Carver Federal's ALLL policy, refer to Note 2 of Notes to Consolidated Financial Statements, “Summary of Significant Accounting Policies.”

The Board has designated the Internal Asset Review Committee of management to perform a review on a quarterly basis of the Bank's asset quality, establish general and specific allowances, determine loan classifications and submit their report to the Board for review. Carver Federal's methodology for establishing the allowance for loan losses takes into consideration probable losses that have been identified in connection with specific loans as well as losses that have not been identified but can be expected to occur. Further, management reviews the ratio of allowances to total loans and recommends adjustments to the level of allowances accordingly. Although management believes it uses the best information available to make determinations with respect to the allowances for losses, future adjustments may be necessary if economic conditions differ from the economic conditions in the assumptions used in making the initial determinations, or if circumstances pertaining to individual loans change, or new information pertaining to individual loans or the loan portfolio is identified. The Bank has a centralized loan servicing structure that relies upon outside servicers, each of which generates a monthly report of delinquent loans. The Asset Liability and Interest Rate Risk Committees of the Board establish policy relating to internal classification of loans and also provides input to the Internal Asset Review Committee in its review of classified assets. In originating loans, Carver Federal recognizes that credit losses will occur and that the risk of loss will vary with, among other things, the type of loan being made, the creditworthiness of the borrower over the term of the loan, general economic conditions and, in the case of a secured loan, the quality of the security for the loan.

It is management's policy to maintain a general allowance for loan losses based on, among other things, regular reviews of delinquencies and loan portfolio quality, character and size, the Bank's and the industry's historical and projected loss experience and current and forecasted economic conditions and certain qualitative factors. In addition, considerable uncertainty exists as to the future improvement or deterioration of the real estate market. See “Lending Activities-Loan Purchases and Originations.” Carver Federal increases its allowance for loan losses by charging provisions for possible losses against the Bank's income. General allowances are established by management on at least a quarterly basis based on an assessment of risk in the Bank's loans, taking into consideration the composition and quality of the portfolio, delinquency trends, current charge-off and loss experience, the state of the real estate market and economic conditions generally. Specific allowances are provided for individual loans, or portions of loans, when ultimate collection is considered improbable by management based on the current payment status of the loan and the fair value or net realizable value of the security for the loan. A loan is deemed impaired when it is probable the Bank will be unable to collect both principal and interest due according to the contractual terms of the loan agreement. Loans the Bank individually classifies as impaired include multifamily mortgage loans, commercial real estate loans, construction loans and business loans which have been classified by the Bank's credit review officer as substandard, doubtful or loss for which it is probable that principal and interest will not be collected in accordance with the loan's contractual terms, and certain loans modified in a troubled debt restructuring. A valuation allowance for collateral dependent loans is established when the current estimated fair value of the property that collateralizes the impaired loan, if any, is less than the recorded investment in the loan. A valuation allowance for cash flow dependent loans is established when based upon a discounted cash flow analysis, impairment is demonstrated.

At the date of foreclosure or other repossession, the Bank transfers the property to real estate acquired in settlement of loans at fair value, less estimated selling costs. Fair value is defined as the amount in cash or cash-equivalent value of other consideration that a real estate parcel would yield in a current sale between a willing buyer and a willing seller. Any amount of cost in excess of fair value is charged off against the allowance for loan losses. Carver Federal records an allowance for estimated selling costs of the property immediately after foreclosure. Subsequent to taking possession of the property, management periodically evaluates the property and an allowance is established if the estimated fair value of the property, less estimated costs to sell, declines. If, upon ultimate disposition of the property, net sales proceeds exceed the net carrying value of the property, a gain on sale of real estate is recorded, providing the Bank did not provide financing for the sale.

The following table sets forth an analysis of Carver Federal's allowance for loan losses for the years ended March 31:



$ in thousands	2015			2014			2013			2012			2011
Balance at beginning of year	$	7,233		$	10,989		$	19,821		$	23,147		$	12,000
Less Charge-offs:
One-to-four family	687			2,887			2,103			3,730			827
Multifamily	—			98			226			6,250			5,821
Commercial real estate	—			574			1,148			5,111			798
Construction	—			—			151			5,961			5,607
Business	320			965			2,274			875			2,958
Consumer and other	281			16			1			8			8
Total Charge-offs	$	1,288		$	4,540		$	5,903		$	21,935		$	16,019
Add Recoveries:
One-to-four family	380			534			15			469			2
Multifamily	83			31			91			6			—
Commercial real estate	256			—			—			2			2
Construction	—			149			22			1,677			4
Business	816			486			265			113			27
Consumer and other	9			10			5			—			17
Total Recoveries	$	1,544		$	1,210		$	398		$	2,267		$	52
Net loans (recovered) charged-off	(256		)	3,330			5,505			19,668			15,967
Provision for (recovery of) losses	(3,010		)	(426		)	(3,327		)	16,342			27,114
Balance at end of year	$	4,479		$	7,233		$	10,989		$	19,821		$	23,147

Ratios:
Net (recoveries) charge-offs to average loans outstanding	(0.06		)%	0.86		%	1.35		%	3.74		%	2.54		%
Allowance to total loans	0.93		%	1.85		%	2.97		%	4.80		%	3.99		%
Allowance to non-performing loans	53.35		%	57.59		%	35.88		%	36.31		%	29.90		%

The following table allocates the allowance for loan losses by asset category at March 31:



	2015				2014				2013				2012				2011
$ in thousands	Amount		% of Loans to Total Gross Loans		Amount		% of Loans to Total Gross Loans		Amount		% of Loans to Total Gross Loans		Amount		% of Loans to Total Gross Loans		Amount		% of Loans to Total Gross Loans
One-to-four family	$	1,989	44.4	%	$	3,377	46.7	%	$	3,496	31.8	%	$	4,305	21.7	%	$	2,923	12.6	%
Multifamily	534		11.9	%	308		4.3	%	409		3.7	%	5,409		27.3	%	6,223		26.9	%
Commercial real estate	1,029		23.0	%	1,835		25.4	%	3,297		30.0	%	6,709		33.8	%	3,999		17.3	%
Construction	99		2.2	%	—		—	%	—		—	%	1,532		7.7	%	6,944		30.0	%
Business	813		18.2	%	1,705		23.6	%	3,759		34.2	%	1,786		9.0	%	2,965		12.8	%
Consumer and other	13		0.3	%	8		0.1	%	28		0.3	%	80		0.4	%	93		0.4	%
Total Allowance	$	4,477	100	%	$	7,233	100	%	$	10,989	100	%	$	19,821	100	%	$	23,147	100	%

The allocation of the allowance to each category is not necessarily indicative of future losses and does not restrict the use of the allowance to absorb losses in any category.

Investment Activities

General. The Bank utilizes mortgage-backed and other investment securities in its asset/liability management strategy. In making investment decisions, the Bank considers, among other things, its yield and interest rate objectives, its interest rate and credit risk position and its liquidity and cash flow.

Generally, the investment policy of the Bank is to invest funds among categories of investments and maturities based upon the Bank's asset/liability management policies, investment quality, loan and deposit volume and collateral requirements, liquidity needs and performance objectives. Securities are classified into one of three categories: trading, held-to-maturity, and available-for-sale. Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and are reported at fair value with unrealized gains and losses included in earnings. Debt securities for which the Bank has the positive intent and ability to hold to maturity are classified as held-to-maturity and reported at amortized cost. All other securities not classified as trading or held-to-maturity are classified as available-for-sale and reported at fair value with unrealized gains and losses included, on an after-tax basis, in a separate component of stockholders' equity. At March 31, 2015, the Bank had no securities classified as trading. At March 31, 2015, $101.2 million, or 89.5% of the Bank's mortgage-backed and other investment securities, were classified as available-for-sale. The remaining $11.9 million, or 10.5%, were classified as held-to-maturity.

Mortgage-Backed Securities. The Bank has invested in mortgage-backed securities to help achieve its asset/liability management goals and collateral needs. Although mortgage-backed securities generally yield less than whole loans, they present substantially lower credit risk, are more liquid than individual mortgage loans and may be used to collateralize obligations of the Bank. Because Carver Federal receives regular payments of principal and interest from its mortgage-backed securities, these investments provide more consistent cash flows than investments in other debt securities, which generally only pay principal at maturity. Mortgage-backed securities also help the Bank meet certain definitional tests for favorable treatment under federal banking and tax laws. See “Regulation and Supervision-Federal Banking Regulation-Qualified Thrift Lender Test” and “Federal and State Taxation.”

Mortgage-backed securities constituted 5.7% of total assets at March 31, 2015 and 2014. Carver Federal maintains a portfolio of mortgage-backed securities in the form of Government National Mortgage Association (“GNMA”) pass-through certificates, Federal National Mortgage Association (“FNMA”), Federal Home Loan Mortgage Corp (“FHLMC”) participation certificates and commercial mortgage-backed securities. GNMA pass-through certificates are guaranteed as to the payment of principal and interest by the full faith and credit of the United States Government, while FNMA and FHLMC certificates are each guaranteed by their respective agencies as to principal and interest. Mortgage-backed securities generally entitle Carver Federal to receive a prorata portion of the cash flows from an identified pool of mortgages. The cash flows from such pools are segmented and paid in accordance with a predetermined priority to various classes of securities issued by the entity. Carver Federal has also invested in pools of loans guaranteed as to principal and interest by the Small Business Administration (“SBA”).

The Bank seeks to manage interest rate risk by investing in adjustable-rate mortgage-backed securities, which at March 31, 2015, constituted $3.6 million, or 9.2%, of the mortgage-backed securities portfolio. Mortgage-backed securities, however, expose Carver Federal to certain unique risks. In a declining rate environment, accelerated prepayments of loans underlying these securities expose Carver Federal to the risk that it will be unable to obtain comparable yields upon reinvestment of the proceeds. In the event the mortgage-backed security has been funded with an interest-bearing liability with maturity comparable to the original estimated life of the mortgage-backed security, the Bank's interest rate spread could be adversely affected. Conversely, in a rising interest rate environment, the Bank may experience a lower than estimated rate of repayment on the underlying mortgages, effectively extending the estimated life of the mortgage-backed security and exposing the Bank to the risk that it may be required to fund the asset with a liability bearing a higher rate of interest. For additional information regarding Carver Federal's mortgage-backed securities portfolio and its maturities refer to Note 3 of Notes to Consolidated Financial Statements, “Investment Securities.”

Other Investment Securities. In addition to mortgage-backed securities, the Bank also invests in high quality assets such as government and agency obligations, corporate bonds and mutual funds. Carver Federal is permitted under federal law to make certain investments, including investments in securities issued by various federal agencies and state and municipal governments, deposits at the FHLB-NY, certificates of deposit in federally insured institutions, certain bankers' acceptances and federal funds. The Bank may also invest, subject to certain limitations, in commercial paper having one of the two highest investment ratings of a nationally recognized credit rating agency, and certain other types of corporate debt securities and mutual funds (See Note 3 of Notes to Consolidated Financial Statements).

Other Earning Assets. Federal regulations require the Bank to maintain an investment in FHLB-NY stock and a sufficient amount of liquid assets which may be invested in cash and specified securities. For additional information, see “Regulation and Supervision-Federal Banking Regulation-Liquidity.”

Securities Impairment. The Bank’s available-for-sale securities portfolio is carried at estimated fair value, with any unrealized gains and losses, net of taxes, reported as accumulated other comprehensive income (loss). Securities that the Bank has the positive intent and ability to hold to maturity are classified as held-to-maturity and are carried at amortized cost. The fair values of securities in the Bank's portfolio are based on published or securities dealers’ market values and are affected by changes in interest rates. On a quarterly basis, the Bank reviews and evaluates the securities portfolio to determine if the decline in the fair value of any security below its cost basis is other-than-temporary. The Bank generally views changes in fair value caused by changes in interest rates as temporary, which is consistent with its experience. Following FASB guidance, the amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Bank will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security’s amortized cost basis and its fair value would be included in other comprehensive income (loss). This guidance also requires additional disclosures about investments in an unrealized loss position and the methodology and significant inputs used in determining the recognition of other-than-temporary impairment. As of fiscal year end 2015 and 2014, the Bank does not have any securities that are classified as having other than temporary impairment in its investment portfolio.

Sources of Funds

General. Deposits are the primary source of Carver Federal's funds for lending and other investment purposes. In addition to deposits, Carver Federal derives funds from loan principal repayments, loan and investment interest payments, maturing investments and fee income. Loan and mortgage-backed securities repayments and interest payments are a relatively stable source of funds, while deposit inflows and outflows are significantly influenced by prevailing market interest rates, pricing of deposits, competition and general economic conditions. Borrowed money may be used to supplement the Bank's available funds, and from time to time the Bank borrows funds from the FHLB-NY and has borrowed funds through trust preferred debt securities.

Deposits. Carver Federal attracts deposits from consumers, businesses, non-profit organizations and public entities through its ten branches principally from within its market area by offering a variety of deposit instruments, including passbook and statement accounts and certificates of deposit, which range in term from 91 days to five years. Deposit terms vary, principally on the basis of the minimum balance required, the length of time the funds must remain on deposit and the interest rate. Carver Federal also offers Individual Retirement Accounts. Carver Federal's policies are designed primarily to attract deposits from local residents and businesses through the Bank's branches. Carver Federal also holds deposits from various governmental agencies or authorities and corporations.

As of March 31, 2015 the Bank has $38.7 million of reciprocal deposits acquired through its participation in the Certificate of Deposit Account Registry Service (“CDARS”). The CDARS network arranges for placement of Carver Federal's customer funds into certificate of deposit accounts issued by other CDARS member banks. The certificate of deposit accounts are in increments of less than the individual FDIC insurance limit amount, to ensure that both principal and interest are eligible for full FDIC deposit insurance. This allows the Bank to maintain its customer relationship while still providing its customers with FDIC insurance for the full amount of their deposits, up to $50 million per customer. In exchange, Carver Federal receives from other member banks their customers' deposits in like amounts. Depositors are allowed to withdraw funds early, with a penalty, from these accounts. Carver Federal may elect to participate in the program by making or receiving deposits without making or receiving a reciprocal deposit. Prior to the Emergency Economic Stabilization Act of 2008 (“ESSA”), the FDIC deposit insurance limit was $100,000. As a result of ESSA, this limit was increased to $250,000 through December 31, 2013. On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raised the standard maximum deposit insurance amount to $250,000.

Deposit interest rates, maturities, service fees and withdrawal penalties on deposits are established based on the Bank's funds acquisition and liquidity requirements, the rates paid by the Bank's competitors, current market rates, the Bank's growth goals and applicable regulatory restrictions and requirements. For additional information regarding the Bank's deposit accounts and the related weighted average interest rates paid, and amount and maturities of certificates of deposit in specified weighted average interest rate categories, refer to Note 7 of the Notes to Consolidated Financial Statements, “Deposits.”

Borrowed Funds. While deposits are the primary source of funds for Carver Federal's lending, investment and general operating activities, Carver Federal is authorized to use advances from the FHLB-NY and securities sold under agreements to repurchase (“Repos”) from approved primary dealers to supplement its supply of funds and to meet deposit withdrawal

requirements. The FHLB-NY functions as a central bank providing credit for savings institutions and certain other member financial institutions. As a member of the FHLB system, Carver Federal is required to own stock in the FHLB-NY and is authorized to apply for advances. Advances are made pursuant to several different programs, each of which has its own interest rate and range of maturities. Advances from the FHLB-NY are secured by Carver Federal's stock in the FHLB-NY and a pledge of Carver Federal's mortgage loan and mortgage-backed and agency securities portfolios. The Bank takes into consideration the term of borrowed money with the repricing cycle of the mortgage loans on the balance sheet. At March 31, 2015, Carver had $65.0 million in FHLB-NY advances outstanding.

On September 17, 2003, Carver Statutory Trust I issued 13,000 shares, liquidation amount $1,000 per share, of floating rate capital securities. Gross proceeds from the sale of these trust preferred debt securities were $13.0 million and, together with the proceeds from the sale of the trust's common securities, were used to purchase approximately $13.4 million aggregate principal amount of the Company's floating rate junior subordinated debt securities due 2033. The trust preferred debt securities are redeemable quarterly at the option of the Company and have a mandatory redemption date of September 17, 2033. Cash distributions on the trust preferred debt securities are cumulative and payable at a floating rate per annum (reset quarterly) equal to 3.05% over 3-month LIBOR, with a rate at March 31, 2015 of 3.32%. Under the Company's regulatory orders, the Company is prohibited from paying dividends without prior regulatory approval. Therefore the Company has deferred the debenture interest payments and the Trust has deferred distributing the Capital Securities. The Company has requested approval from the Federal Reserve to reinstate the debenture interest payment. As of March 31, 2015, the request remains pending.

REGULATION AND SUPERVISION

Cease and Desist Orders

On February 7, 2011, the Company and the Bank consented to the Office of Thrift Supervision ("OTS") issuing a Bank Order and a Company Order to Cease and Desist (collectively, the “Orders”) against the Company and Bank. Effective July 21, 2011, supervisory authority for the Company and Bank Orders passed to the Board of Governors of the Federal Reserve System (“FRB”) and the Office of the Comptroller of the Currency ("OCC"), respectively. The OCC lifted and removed the C&D Order applicable to the Bank on November 3, 2014 and further determined that the Bank is no longer in "troubled condition" as defined by Section 914 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. The C&D Order applicable to the Company (the "FRB C&D Order") under the authority of the FRB remains in effect. The Company has taken actions toward compliance but no assurances can be given that the Company will be able to comply with all provisions of the FRB C&D Order. Failure to comply could result in further regulatory actions and possible civil money penalties to be assessed by the FRB.

The FRB C&D Order requires, among other things, the Company to notify and receive the FRB’s written permission prior to (i) declaring, making or paying any dividends or other capital distributions, or repurchasing or redeeming any capital stock; (ii) incurring, issuing, renewing, repurchasing or rolling over any debt, increasing any current lines of credit or guaranteeing the debt of any entity; (iii) making certain changes to its directors or senior executive officers; (v) entering into, renewing, extending or revising any contractual arrangement related to compensation or benefits with any of its directors or senior executive officers; and (vi) making any golden parachute payments or prohibited indemnification payments. The foregoing description of the FRB C&D Order is qualified in its entirety by reference to the Order issued to the Company. For additional information regarding the Order, please see the Form 8-K filed with the SEC on February 10, 2011.

As stated above, under the FRB C&D Order, the Company is prohibited from paying any dividends without prior regulatory approval. On October 18, 2011, the Company received approval from the Federal Reserve to pay all outstanding dividend payments on the Company's fixed-rate cumulative perpetual preferred stock issued under the Capital Purchase Program of the Treasury. These payments were made in connection with the Treasury, on October 28, 2011, exchanging the CDCI Series B preferred stock for 2,321,286 shares of Company common stock.

General

The Bank is subject to extensive regulation, examination and supervision by its primary regulator, the OCC. The Bank's deposit accounts are insured up to applicable limits by the FDIC under the Deposit Insurance Fund (“DIF”), and is a member of the FHLB. The Bank must file reports with the OCC concerning its activities and financial condition, and it must obtain regulatory approvals prior to entering into certain transactions, such as mergers with, or acquisitions of, other depository institutions. The Company, as a unitary savings and loan holding company, is subject to regulation, examination and supervision by the FRB and is required to file certain reports with, and otherwise comply with, the rules and regulations of the FRB and of the SEC under the federal securities laws. The OCC and the FDIC periodically perform safety and soundness examinations of the Bank and test compliance with various regulatory requirements. The OCC has primary enforcement responsibility over federally chartered savings banks and has substantial discretion to impose enforcement action on an institution that fails to comply with applicable

regulatory requirements, particularly with respect to its capital requirements. In addition, the FDIC has the authority to recommend to the Director of the OCC that enforcement action be taken with respect to a particular federally chartered savings bank and, if action is not taken by the Director, the FDIC has authority to take such action under certain circumstances.

The description of statutory provisions and regulations applicable to federally chartered savings banks and their holding companies and of tax matters set forth in this document does not purport to be a complete description of all such statutes and regulations and their effects on the Bank and the Company. Any change in such laws and regulations whether by the OCC, the FDIC, the FRB or through legislation could have a material adverse impact on the Bank and the Company and their operations and stockholders.

Dodd-Frank Act

The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act') made extensive changes in the regulation of federal savings banks. Under the Dodd-Frank Act, the OTS was merged into the OCC. Responsibility for the supervision and regulation of federal savings banks was transferred to the OCC, which is the agency that was primarily responsible for the regulation and supervision of national banks. The OCC assumed responsibility for implementing and enforcing many of the laws and regulations applicable to federal savings banks. The transfer of regulatory functions took place on July 21, 2011. At the same time, responsibility for the regulation and supervision of savings and loan holding companies was transferred to the FRB, which previously only supervised bank holding companies. Additionally, the Dodd-Frank Act created a new Consumer Financial Protection Bureau as an independent bureau of the FRB. The Consumer Financial Protection Bureau assumes responsibility for the implementation of the federal financial consumer protection and fair lending laws and regulations, a function currently assigned to prudential regulators, and will have authority to impose new requirements. However, institutions of less than $10 billion in assets, such as Carver Federal Savings Bank, FSB, will continue to be examined for compliance with consumer protection and fair lending laws and regulations by, and be subject to the primary enforcement authority of, their prudential regulator rather than the Consumer Financial Protection Bureau.

In addition to eliminating the OTS and creating the Consumer Financial Protection Bureau, the Dodd-Frank Act, among other things, required changes in the way that institutions were assessed for deposit insurance, mandates the imposition of consolidated capital requirements on savings and loan holding companies, requires that originators of securitized loans retain a percentage of the risk for the transferred loans, directed the FRB to regulate pricing of certain debit card interchange fees, reduced the federal preemption afforded to federal savings associations and contained a number of reforms related to mortgage originations. Many of the provisions of the Dodd-Frank Act contained delayed effective dates and/or required the issuance of regulations. As a result, it will be some time before their impact on operations can be assessed by management. However, there is a significant possibility that the Dodd-Frank Act will, at a minimum, result in an increased regulatory burden and higher compliance, operating, and possibly, interest costs for the Bank and the Company.

Capital and Liquidity

Prompt Corrective Action Regulations. Under the prompt corrective action regulations, the OCC is authorized and, in some cases, required to take supervisory actions against undercapitalized savings banks. For this purpose, a savings bank would be placed in one of the following five categories based on the bank's regulatory capital: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized or critically undercapitalized.

The severity of the action authorized or required to be taken under the prompt corrective action regulations increases as a bank's capital decreases within the three undercapitalized categories. All banks are prohibited from paying dividends or other capital distributions or paying management fees to any controlling person if, following such distribution, the bank would be undercapitalized. Generally, a capital restoration plan must be filed with the OCC within 45 days of the date a bank receives notice that it is “undercapitalized,” “significantly undercapitalized” or “critically undercapitalized.” In addition, various mandatory supervisory actions become immediately applicable to the institution, including restrictions on growth of assets and other forms of expansion. Under OCC regulations, as amended effective January 1, 2015, a federally chartered savings bank is treated as well-capitalized if its total risk‑based capital ratio is 10% or greater, its Tier 1 risk-based capital ratio is 8% or greater, its common equity Tier 1 capital ratio is 6.5% or greater, and its leverage ratio is 5% or greater, and it is not subject to any order or directive by the OCC to meet a specific capital level. In assessing an institution's capital adequacy, the OCC takes into consideration not only these numeric factors but also qualitative factors as well, and has the authority to establish higher capital requirements for individual institutions as they deem necessary.

The Federal Deposit Insurance Corporation Improvement Act, or FDICIA, required that the OCC and other federal banking agencies revise their risk-based capital standards, with appropriate transition rules, to ensure that they take into account IRR concentration of risk and the risks of non-traditional activities. The OCC regulations do not include a specific IRR component

of the risk-based capital requirement. However, the OCC monitors the IRR of individual institutions through a variety of means, including an analysis of the change in net portfolio value ("NPV"). NPV is defined as the net present value of the expected future cash flows of an entity's assets and liabilities and, therefore, hypothetically represents the value of an institution's net worth. The OCC has also used this NPV analysis as part of its evaluation of certain applications or notices submitted by thrift institutions. In addition, OCC Bulletin 2010-1 provides guidance on the management of IRR and the responsibility of boards of directors in that area. The OCC, through its general oversight of the safety and soundness of savings associations, retains the right to impose minimum capital requirements on individual institutions to the extent the institution is not in compliance with certain written guidelines established by the OCC regarding NPV analysis. As discussed below, the OCC has imposed such requirements on Carver Federal.

Carver Federal's Capital Position. Carver Federal, as a matter of prudent management, targets as its goal the maintenance of capital ratios which exceed minimum requirements and that are consistent with Carver Federal's risk profile. At March 31, 2015, Carver Federal exceeded the capital requirements with a common equity Tier 1 ratio of 15.10%, a Tier 1 leverage ratio of 10.85%, total risk-based capital ratio of 16.78% and a Tier 1 risk-based capital ratio of 15.10%. The OCC has determined that Carver Federal is adequately capitalized.

The OCC and the other federal bank regulatory agencies issued a final rule effective January 1, 2015 that revised their leverage and risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. The final rule applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $500 million or more and top-tier savings and loan holding companies. Among other things, the rule establishes a new common equity Tier 1 minimum capital requirement (4.5% of risk-weighted assets), increases the minimum Tier 1 capital to risk-based assets requirement (from 4% to 6% of risk-weighted assets) and assigns a higher risk weight (150%) to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property. The final rule also requires unrealized gains and losses on certain “available-for-sale” securities holdings to be included for purposes of calculating regulatory capital unless a one-time opt-out is exercised. Carver Federal has chosen to opt-out. Additional constraints are also imposed on the inclusion in regulatory capital of certain mortgage-servicing assets, defined tax assets and minority interests. The rule limits a banking organization’s capital distributions and certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. As noted, the final rule became effective for the Bank on January 1, 2015. The capital conservation buffer requirement will be phased in beginning January 1, 2016 and ending January 1, 2019, when the full capital conservation buffer requirement will be effective. The final rule adjusted the prompt corrective action categories described above to incorporate the increased capital standards and established the "well-capitalized" threshold described above.

Limitation on Capital Distributions. There are various restrictions on a bank's ability to make capital distributions, including cash dividends, payments to repurchase or otherwise acquire its shares and other distributions charged against capital. A savings institution that is the subsidiary of a savings and loan holding company, such as the Bank, must file a notice with the FRB at least 30 days before making a capital distribution. The Bank must also file an application for prior approval with the OCC if the total amount of its capital distributions (including each proposed distribution), for the applicable calendar year would exceed the Bank's net income for that year plus the Bank's retained net income for the previous two years.

The Bank may not pay dividends to the Company if, after paying those dividends, the Bank would fail to meet the required minimum levels under risk-based capital guidelines and the minimum leverage and tangible capital ratio requirements or the OCC notified the Bank that it was in need of more than normal supervision.

The Bank is prohibited from making capital distributions if:


(1)	the Bank would be undercapitalized following the distribution;


(2)	the proposed capital distribution raises safety and soundness concerns; or


(3)	the capital distribution would violate a prohibition contained in any statute, regulation or agreement.

Liquidity. The Bank maintains liquidity levels to meet operational needs. In the normal course of business, the levels of liquid assets during any given period are dependent on operating, investing and financing activities. Cash and due from banks, federal funds sold and repurchase agreements with maturities of three months or less are the Bank's most liquid assets. The Bank maintains a liquidity policy to maintain sufficient liquidity to ensure its safe and sound operations.

Standards for Safety and Soundness

Standards for Safety and Soundness. The OCC has adopted guidelines prescribing safety and soundness standards. The guidelines establish general standards relating to internal controls and information systems, internal audit systems, loan documentation, credit underwriting, interest rate exposure, asset growth, asset quality, earnings, compensation, fees and benefits. In general, the guidelines require, among other things, appropriate systems and practices to identify and manage the risks and exposures specified in the guidelines. OCC regulations authorize the OCC to order an institution that has been given notice that it is not satisfying these safety and soundness standards to submit a compliance plan. If, after being so notified, an institution fails to submit an acceptable compliance plan, or fails in any material respect to implement an accepted compliance plan, the OCC must issue an order directing action to correct the deficiency and may issue an order directing other actions of the types to which an undercapitalized association is subject under the “prompt corrective action” provisions of federal law. If an institution fails to comply with such an order, the OCC may seek to enforce such order in judicial proceedings and to impose civil money penalties.

Enforcement. The OCC has primary enforcement responsibility over the Bank. This enforcement authority includes, among other things, the ability to assess civil money penalties, to issue cease and desist orders and to remove directors and officers. In general, these enforcement actions may be initiated in response to violations of laws and regulations and unsafe or unsound practices.

TARP

The Emergency Economic Stabilization Act of 2008 (“EESA”) was signed into law on October 3, 2008 and authorizes the U.S. Department of the Treasury (“Treasury”) to establish the Troubled Asset Relief Program (“TARP”) to purchase certain troubled assets from financial institutions, including banks and thrifts. Under the TARP, the Treasury may purchase residential and commercial mortgages, and securities, obligations or other instruments based on such mortgages, originated or issued on or before March 14, 2008 that the Secretary of the Treasury determines promotes market stability, as well as any other financial instrument that the Treasury, after consultation with the Chairman of the Board of Governors of the Federal Reserve System, or FRB, determines the purchase of which is necessary to promote market stability. In the case of a publicly-traded financial institution that sells troubled assets into the TARP, the Treasury must receive a warrant giving the Treasury the right to receive nonvoting common stock or preferred stock in such financial institution, or voting stock with respect to which the Treasury agrees not to exercise voting power, subject to certain de minimis exceptions. In addition, all financial institutions that sell troubled assets to the TARP and meet certain conditions will also be subject to certain executive compensation restrictions, which differ depending on how the troubled assets are acquired under the TARP.

On October 14, 2008, the Treasury announced that it would purchase equity stakes in a wide variety of banks and thrifts. Under this program, known as the Troubled Asset Relief Program Capital Purchase Program (the "TARP CPP"), the Treasury made $250 billion of capital available (from the $700 billion authorized by the EESA) to U.S. financial institutions in the form of preferred stock. In conjunction with the purchase of preferred stock, the Treasury will receive warrants to purchase common stock with an aggregate market price equal to 15% of the preferred investment. Participating financial institutions are required to adopt the Treasury's standards for executive compensation and corporate governance for the period during which the Treasury holds equity issued under the TARP CPP. On January 20, 2009, the Company announced that it completed the sale of $18.98 million in preferred stock to the Treasury in connection with Carver's participation in the TARP CPP. Importantly, Carver is exempt from the requirement to issue a warrant to the Treasury to purchase shares of common stock, as the Bank is a certified Community Development Financial Institution (“CDFI”) conducting most of its depository and lending activities in disadvantaged communities. Therefore, the investment did not dilute common stockholders. As a participant in TARP CPP, the Company was subject to certain obligations currently in effect, such as compensation restrictions, a luxury expenditure policy, the requirement the Company include a “say on pay” proposal in the proxy statement and certain certifications. The Company was also subject to additional restrictions or obligations as may be imposed under TARP CPP for as long as the Company participates in TARP CPP.

The Treasury announced in February 2010 the implementation of the Community Development Capital Initiative (“CDCI”). This new capital program invested lower cost capital in CDFIs that lend to small businesses in the country's most economically depressed communities. CDFI banks and thrifts are eligible to receive investments of capital with an initial dividend rate of 2%, compared to the 5% rate offered under the CPP. CDFIs may apply to receive capital up to 5% of risk-weighted assets. To encourage repayment while recognizing the unique circumstances facing CDFIs, the dividend rate increased to 9% after eight years, compared to five years under TARP preferred stock. On August 27, 2010, Carver completed with the Treasury the exchange of the $18.98 million of TARP preferred stock for an equivalent amount of CDCI Series B preferred stock. As stated above, on October 28, 2011, the U.S. Treasury exchanged the CDCI Series B preferred stock for 2,321,286 shares of Company common stock.

Other Supervision and Regulation

Activity Powers. The Bank derives its lending and investment powers from the Home Owners' Loan Act (“HOLA”), as amended, and federal regulations. Under these laws and regulations, the Bank may invest in mortgage loans secured by residential and commercial real estate, commercial and consumer loans, certain types of debt securities and certain other assets. The Bank may also establish service corporations that may engage in certain activities not otherwise permissible for the Bank, including certain real estate equity investments and securities and insurance brokerage. The Bank's authority to invest in certain types of loans or other investments is limited by federal law. These investment powers are subject to various limitations, including (1) a prohibition against the acquisition of any corporate debt security that is not rated in one of the four highest rating categories, (2) a limit of 400% of an association's capital on the aggregate amount of loans secured by non-residential real estate property, (3) a limit of 20% of an association's assets on commercial loans, with the amount of commercial loans in excess of 10% of assets being limited to small business loans, (4) a limit of 35% of an association's assets on the aggregate amount of consumer loans and acquisitions of certain debt securities, (5) a limit of 5% of assets on non-conforming loans (loans in excess of the specific limitations of HOLA), and (6) a limit of the greater of 5% of assets or an association's capital on certain construction loans made for the purpose of financing what is or is expected to become residential property.

On October 4, 2006, the OCC and other federal bank regulatory authorities published the Interagency Guidance on Nontraditional Mortgage Product Risks, or the Guidance. The Guidance describes sound practices for managing risk, as well as marketing, originating and servicing nontraditional mortgage products, which include, among other things, interest-only loans. The Guidance sets forth supervisory expectations with respect to loan terms and underwriting standards, portfolio and risk management practices and consumer protection. For example, the Guidance indicates that originating interest-only loans with reduced documentation is considered a layering of risk and that institutions are expected to demonstrate mitigating factors to support their underwriting decision and the borrower's repayment capacity. Specifically, the Guidance indicates that a lender should be able to readily document income and a lender may accept a borrower's statement as to the borrower's income without obtaining verification only if there are mitigating factors that clearly minimize the need for direct verification of repayment capacity.

On December 14, 2006, the OTS published guidance entitled “Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices,” or the CRE Guidance, to address concentrations of commercial real estate loans in savings associations. The CRE Guidance reinforces and enhances the OCC's existing regulations and guidelines for real estate lending and loan portfolio management, but does not establish specific commercial real estate lending limits. The Bank has evaluated the CRE Guidance to determine its compliance and, as necessary, modified its risk management practices, underwriting guidelines and consumer protection standards. See "Lending Activities and Asset Quality” in Item 1, "Business” for discussions of Carver Federal's loan product offerings and related underwriting standards.

On June 29, 2007, the OCC and other federal bank regulatory agencies issued a final Statement on Subprime Mortgage Lending, or the Statement, to address the growing concerns facing the subprime mortgage market, particularly with respect to rapidly rising subprime default rates that may indicate borrowers do not have the ability to repay adjustable rate subprime loans originated by financial institutions. In particular, the agencies expressed concern in the Statement that current underwriting practices do not take into account that many subprime borrowers are not prepared for “payment shock” and that the current subprime lending practices compound risk for financial institutions. The Statement describes the prudent safety and soundness and consumer protection standards that financial institutions should follow to ensure borrowers obtain loans that they can afford to repay. These standards include a fully indexed, fully amortized qualification for borrowers and cautions on risk-layering features, including an expectation that stated income and reduced documentation should be accepted only if there are documented mitigating factors that clearly minimize the need for verification of a borrower's repayment capacity. Consumer protection standards include clear and balanced product disclosures to customers and limits on prepayment penalties that allow for a reasonable period of time, typically at least 60 days, for borrowers to refinance prior to the expiration of the initial fixed interest rate period without penalty. The Statement also reinforces the April 17, 2007 Interagency Statement on Working with Mortgage Borrowers, in which the federal bank regulatory agencies encouraged institutions to work constructively with residential borrowers who are financially unable or reasonably expected to be unable to meet their contractual payment obligations on their home loans. In addition, the Statement referenced expanded guidance issued by the agencies by press release dated January 31, 2001. According to the expanded guidance, subprime loans are loans to borrowers which display one or more characteristics of reduced payment capacity. Five specific criteria, which are not intended to be exhaustive and are not meant to define specific parameters for all subprime borrowers and may not match all markets or institutions' specific subprime definitions, are set forth, including having a FICO credit score of 660 or below at the time of origination. Within the Bank's loan portfolio, there are loans to borrowers who had FICO scores of 660 or below at the time of origination. However, as a portfolio lender, the Bank reviews all data contained in borrower credit reports and does not base underwriting decisions solely on FICO scores. The Bank believes the aforementioned loans, when made, were amply collateralized and otherwise conformed to the Bank's prime lending standards. These loans are not a material component of the one-to-four family mortgage loan portfolio.

Carver Federal has evaluated the Guidance, the CRE Guidance and the Statement to determine compliance and, as necessary, modified risk management practices, underwriting guidelines and consumer protection standards. See “Lending Activities - One-to-Four Family Mortgage Lending and Multifamily and Commercial Real Estate Lending” for a discussion of the Bank's loan product offerings and related underwriting standards and “Asset Quality” in Item 7, “Management's Discussion and Analysis of Financial Condition and Results of Operations” for information regarding the Bank's interest-only and reduced documentation loan portfolio composition.

Loans-to-One Borrower Limitations. The Bank is generally subject to the same limits on loans-to-one borrower as a national bank. With specified exceptions, the Bank's total loans or extension of credit to a single borrower or group of related borrowers may not exceed 15% of the Bank's unimpaired capital and unimpaired surplus, which does not include accumulated other comprehensive income. The Bank may lend additional amounts up to 10% of its unimpaired capital and unimpaired surplus if the loans or extensions of credit are fully secured by readily marketable collateral. The Bank currently complies with applicable loans-to-one borrower limitations. At March 31, 2015, the Bank's limit on loans-to-one borrower based on its unimpaired capital and surplus was $11.3 million.

Qualified Thrift Lender Test. Under HOLA, the Bank must comply with a Qualified Thrift Lender (“QTL”) test. Under this test, the Bank is required to maintain at least 65% of its “portfolio assets” in certain “qualified thrift investments” on a monthly basis in at least nine months of the most recent twelve-month period. “Portfolio assets” means, in general, an association's total assets less the sum of (a) specified liquid assets up to 20% of total assets, (b) goodwill and other intangible assets and (c) the value of property used to conduct the Bank's business. “Qualified thrift investments” include various types of loans made for residential and housing purposes, investments related to such purposes, including certain mortgage-backed and related securities and consumer loans. If the Bank fails the QTL test, it must operate under certain restrictions on its activities. The Dodd-Frank Act made noncompliance potentially subject to agency enforcement action for violation of law. At March 31, 2015, the Bank maintained approximately 96.1% of its portfolio assets in qualified thrift investments. The Bank had also met the QTL test in each of the prior 12 months and was, therefore, a qualified thrift lender.

Branching. Subject to certain limitations, federal law permits the Bank to establish branches in any state of the United States. The authority for the Bank to establish an interstate branch network would facilitate a geographic diversification of the Bank's activities. This authority under federal law and regulations preempts any state law purporting to regulate branching by federal savings associations.

Community Reinvestment. Under CRA, as amended, as implemented by OCC regulations, the Bank has a continuing and affirmative obligation to help meet the credit needs of its entire community, including low and moderate income neighborhoods. CRA does not establish specific lending requirements or programs for the Bank nor does it limit the Bank's discretion to develop the types of products and services that it believes are best suited to its particular community. CRA does, however, require the OCC, in connection with its examination of the Bank, to assess the Bank's record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by the Bank.

In particular, the system focuses on three tests:


(1)	a lending test, to evaluate the institution's record of making loans in its assessment areas;


(2)	an investment test, to evaluate the institution's record of investing in community development projects, affordable housing and programs benefiting low or moderate income individuals and businesses; and


(3)	a service test, to evaluate the institution's delivery of banking services through its branches, ATM centers and other offices.

CRA also requires all institutions to make public disclosure of their CRA ratings. The Bank received an “Outstanding” CRA rating in its most recent examination conducted in December 2012.

Regulations require that Carver Federal publicly disclose certain agreements that are in fulfillment of CRA. The Company has no such agreements in place at this time.

Transactions with Related Parties. The Bank's authority to engage in transactions with its “affiliates” is limited by federal regulations and by Sections 23A, 23B of the Federal Reserve Act (“FRA”). In general, these transactions must be on terms which are as favorable to the Bank as comparable transactions with non-affiliates. Additionally, certain types of these transactions are restricted to an aggregate percentage of the Bank's capital. Collateral in specified amounts must usually be provided by affiliates to receive loans from the Bank. In addition, OCC regulations prohibit a savings bank from lending to any of its affiliates that is

engaged in activities that are not permissible for bank holding companies and from purchasing the securities of any affiliate other than a subsidiary.

The Bank's authority to extend credit to its directors, executive officers, and 10% shareholders ("insiders"), as well as to entities controlled by such persons, is currently governed by the requirements of Sections 22(g) and 22(h) of the FRA and Regulation O of the Federal Reserve Board. Among other things, these provisions require that extensions of credit to insiders (a) be made on terms that are substantially the same as and follow credit underwriting procedures that are not less stringent than those prevailing for comparable transactions with unaffiliated persons and that do not involve more than the normal risk of repayment or present other unfavorable features and (b) not exceed certain limitations, individually and in the aggregate, which limits are based, in part, on the amount of the Bank's capital. In addition, extensions of credit in excess of certain limits must be approved by the Bank's Board. At March 31, 2015, the Bank had one Regulation O loan of $1.5 million to a director.

Assessment. The OCC charges assessments to recover the cost of examining savings associations and their affiliates. These assessments are based on three components: the size of the association, on which the basic assessment is based; the association's supervisory condition, which results in an additional assessment based on a percentage of the basic assessment for any savings institution with a composite rating of 3, 4, or 5 in its most recent safety and soundness examination; and the complexity of the association's operations, which results in an additional assessment based on a percentage of the basic assessment for any savings association that managed over $1 billion in trust assets, serviced for others loans aggregating more than $1 billion, or had certain off-balance sheet assets aggregating more than $1 billion. For fiscal 2015, Carver paid $329 thousand in regulatory assessments.

Insurance of Deposit Accounts

The FDIC merged the Savings Association Insurance Fund and the Bank Insurance Fund to create the Depositors Insurance Fund (“DIF”) on March 31, 2006. The Bank is a member of the DIF and pays its deposit insurance assessments to the DIF.

Effective January 1, 2007, the FDIC established a new risk-based assessment system for determining the deposit insurance assessments to be paid by insured depository institutions. Under this assessment system, the FDIC assigned an institution to one of four risk categories, with the first category having two sub-categories, based on the institution's most recent supervisory ratings and capital ratios. Base assessment rates ranged from two to four basis points of insured deposits for Risk Category I institutions and were seven basis points for Risk Category II institutions, twenty-five basis points for Risk Category III institutions and forty basis points for Risk Category IV institutions. Base assessment rates were then subject to adjustment based on certain risk factors specified by the FDIC.

The Dodd-Frank Act required the Federal Deposit Insurance Corporation to revise its procedures to base its assessments upon total assets less tangible equity instead of deposits. The FDIC finalized a rule that implemented that change effective April 1, 2011. Among other things, the final rule changed the assessment range (inclusive of potential adjustments) to 2.5 basis points to 45 basis points depending upon the institution's risk category and the applicable adjustments. The Bank's expense for FDIC insurance payments totaled $1.2 million in fiscal year 2015.

The FDIC has authority to further increase insurance assessments and therefore management cannot predict what insurance assessment rates will be in the future. A significant increase in insurance premiums may have an adverse effect on the operating expenses and results of operations of the Bank.

Anti-Money Laundering and Customer Identification

The Bank is subject to federal regulations implementing the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (“USA PATRIOT Act”). The USA PATRIOT Act gives the federal government new powers to address terrorist threats through enhanced domestic security measures, expanded surveillance powers, increased information sharing, and broadened anti-money laundering requirements. By way of amendments to the Bank Secrecy Act, Title III of the USA PATRIOT Act takes measures intended to encourage information sharing among bank regulatory agencies and law enforcement bodies. Further, certain provisions of Title III impose affirmative obligations on a broad range of financial institutions, including banks, thrifts, brokers, dealers, credit unions, money transfer agents and parties registered under the United States Commodity Exchange Act of 1936, as amended.

Title III of the USA PATRIOT Act and the related federal regulations impose the following requirements with respect to financial institutions:


•	Perform a risk assessment and establishment of a Board approved policy;


•	Designate a qualified BSA officer;


•	Establish an effective training program;


•	Establish anti-money laundering programs;


•	Establish a program specifying procedures for obtaining identifying information from customers seeking to open new accounts, including verifying the identity of customers within a reasonable period of time;


•	Establish enhanced due diligence policies, procedures and controls designed to detect and report money laundering; and


•	Prohibit correspondent accounts for foreign shell banks and compliance with record keeping obligations with respect to correspondent accounts of foreign banks

In addition, bank regulators are directed to consider a holding company's effectiveness in combating money laundering when ruling on certain corporate applications.

Federal Home Loan Bank System

The Bank is a member of the FHLB-NY, which is one of the twelve regional banks composing the FHLB System. Each regional bank provides a central credit facility primarily for its member institutions. The Bank, as a FHLB-NY member, is required to acquire and hold shares of capital stock in the FHLB-NY in specified amounts. The Bank was in compliance with this requirement with an investment in the capital stock of the FHLB-NY at March 31, 2015 of $3.5 million. Any advances from the FHLB-NY must be secured by specified types of collateral, and all long term advances may be obtained only for the purpose of providing funds for residential housing finance.

FHLB-NY is required to provide funds for the resolution of insolvent thrifts and to contribute funds for affordable housing programs. These requirements could reduce the amount of earnings that the FHLB-NY can pay as dividends to its members and could also result in the FHLB-NY imposing a higher rate of interest on advances to its members. If dividends were reduced, or interest on future FHLB-NY advances increased, the Bank's net interest income would be adversely affected. Dividends from FHLB-NY to the Bank amounted to $88 thousand, $93 thousand and $140 thousand for fiscal years 2015, 2014 and 2013, respectively. The dividend rate paid on FHLB-NY stock at March 31, 2015 was 4.0%.

Under the Gramm-Leach-Bliley Act, as amended (“GLB”), which, among other things, repealed historical restrictions and eliminated many federal and state law barriers to affiliations among banks and securities firms, insurance companies and other financial service providers, membership in the FHLB system is now voluntary for all federally chartered savings banks such as the Bank. GLB also replaced the existing redeemable stock structure of the FHLB system with a capital structure that required each FHLB to meet a leverage limit and a risk-based permanent capital requirement. Two classes of stock are authorized: Class A (redeemable on six months notice) and Class B (redeemable on five years notice). Pursuant to regulations promulgated by the Federal Housing Finance Board, as required by GLB, the FHLB has adopted a capital plan that changed the foregoing minimum stock ownership requirements for FHLB stock. Under the new capital plan, each member of the FHLB has to maintain a minimum investment in FHLB capital stock in an amount equal to the sum of; (1) the greater of $1,000 or 0.20% of the member's mortgage-related assets, and (2) 4.50% of the dollar amount of any outstanding advances under such member's "Advances, Collateral Pledge and Security Agreement" with the FHLB-NY.

Federal Reserve System

FRB regulations require federally chartered savings associations to maintain non-interest-earning cash reserves against their transaction accounts (primarily interest-bearing checking and demand deposit accounts). A reserve of 3% is to be maintained against aggregate transaction accounts between $14.5 million and $103.6 million (subject to adjustment by the FRB) plus a reserve of 10% (subject to adjustment by the FRB between 8% and 14%) against that portion of total transaction accounts in excess of $103.6 million. The first $14.5 million of otherwise reservable balances (subject to adjustment by the FRB) is exempt from the reserve requirements. The Bank is in compliance with the foregoing requirements. Since required reserves must be maintained in the form of either vault cash, a non-interest-bearing account at a Federal Reserve Bank or a pass-through account as defined by the FRB, the effect of this reserve requirement is to reduce Carver Federal's interest-earning assets. FHLB System members

are also authorized to borrow from the Federal Reserve “discount window,” but FRB regulations require institutions to exhaust all FHLB sources before borrowing from a Federal Reserve Bank.

Privacy Protection

Carver Federal is subject to OCC regulations implementing the privacy protection provisions of GLB. These regulations require the Bank to disclose its privacy policy, including identifying with whom it shares “nonpublic personal information” to customers at the time of establishing the customer relationship and annually thereafter. The regulations also require the Bank to provide its customers with initial and annual notices that accurately reflect its privacy policies and practices. In addition, to the extent its sharing of such information is not exempted, the Bank is required to provide its customers with the ability to opt-out of having the Bank share their nonpublic personal information with unaffiliated third parties before they can disclose such information, subject to certain exceptions.

The Bank is subject to regulatory guidelines establishing standards for safeguarding customer information. These regulations implement certain provisions of GLB. The guidelines describe the agencies' expectations for the creation, implementation and maintenance of an information security program, which would include administrative, technical and physical safeguards appropriate to the size and complexity of the institution and the nature and scope of its activities. The standards set forth in the guidelines are intended to insure the security and confidentiality of customer records and information, protect against any anticipated threats or hazards to the security or integrity of such records and protect against unauthorized access to or use of such records or information that could result in substantial harm or inconvenience to any customer. The Bank has a policy to comply with the foregoing guidelines.

Holding Company Regulation

The Company is a savings and loan holding company regulated by the FRB. As such, the Company is registered with and subject to FRB examination and supervision, as well as certain reporting requirements. The FRB has enforcement authority over the Company and its subsidiaries. Among other things, this authority permits the FRB to restrict or prohibit activities that are determined to be a serious risk to the financial safety, soundness or stability of a subsidiary savings institution.

GLB restricts the powers of new unitary savings and loan holding companies. Unitary savings and loan holding companies that are “grandfathered,” i.e., unitary savings and loan holding companies in existence or with applications filed with the regulator on or before May 4, 1999, such as the Company, retain their authority under the prior law. All other unitary savings and loan holding companies are limited to financially related activities permissible for financial holding companies and certain other activities specified by FRB regulations. GLB also prohibits nonfinancial companies from acquiring grandfathered unitary savings and loan holding companies.

Restrictions Applicable to All Savings and Loan Holding Companies. Federal law prohibits a savings and loan holding company, including the Company, directly or indirectly, from acquiring:


(1)	control (as defined under HOLA) of another savings institution (or a holding company parent) without prior FRB approval;


(2)	through merger, consolidation, or purchase of assets, another savings institution or a holding company thereof, or acquiring all or substantially all of the assets of such institution (or a holding company), without prior FRB approval; or


(3)	control of any depository institution not insured by the FDIC.

A savings and loan holding company may not acquire as a separate subsidiary an insured institution that has a principal office outside of the state where the principal office of its subsidiary institution is located, except:


(1)	in the case of certain emergency acquisitions approved by the FDIC;


(2)	if such holding company controls a savings institution subsidiary that operated a home or branch office in such additional state as of March 5, 1987; or


(3)	if the laws of the state in which the savings institution to be acquired is located specifically authorize a savings institution chartered by that state to be acquired by a savings institution chartered by the

state where the acquiring savings institution or savings and loan holding company is located or by a holding company that controls such a state chartered association.

In evaluating applications by holding companies to acquire savings associations, the FRB must consider issues such as the financial and managerial resources and future prospects of the company and institution involved, the effect of the acquisition on the risk to the insurance fund, the convenience and needs of the community and competitive factors.

Savings and loan holding companies have not historically been subjected to consolidated regulatory capital requirements. The Dodd-Frank Act, however, required the FRB to promulgate consolidated capital requirements for depository institution holding companies that are no less stringent, both quantitatively and in terms of components of capital, than those applicable to their subsidiary depository institutions. Instruments such as cumulative preferred stock and trust-preferred securities, which are currently includable within Tier 1 capital by bank holding companies within certain limits, would no longer be includable as Tier 1 capital, subject to certain grandfathering. The previously discussed final rule regarding regulatory capital requirements implements the Dodd-Frank Act as to savings and loan holding companies. However, pursuant to recent legislation, the FRB has extended the applicability of the “Small Bank Holding Company” exception of its consolidated capital requirements to savings and loan holding companies and increased the threshold for the exception to $1.0 billion, effective May 15, 2015. As a result, savings and loan holding companies with less than $1.0 billion in consolidated assets are not subject to the capital requirements unless otherwise advised by the FRB.

The Dodd-Frank Act extends the “source of strength” doctrine to savings and loan holding companies. The FRB promulgated regulations implementing the “source of strength” policy that requires holding companies act as a source of strength to their subsidiary depository institutions by providing capital, liquidity and other support in times of financial stress.

The FRB has issued a policy statement regarding the payment of dividends and the repurchase of shares of common stock by bank holding companies that it has made applicable to savings and loan holding companies as well. In general, the policy provides that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the holding company appears consistent with the organization’s capital needs, asset quality and overall financial condition. Regulatory guidance provides for prior regulatory consultation with respect to capital distributions in certain circumstances such as where the company’s net income for the past four quarters, net of dividends’ previously paid over that period, is insufficient to fully fund the dividend or the company’s overall rate of earnings retention is inconsistent with the company’s capital needs and overall financial condition. The ability of a holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized. The policy statement also provides for regulatory consultation prior to a holding company redeeming or repurchasing regulatory capital instruments when the holding company is experiencing financial weaknesses or redeeming or repurchasing common stock or perpetual preferred stock that would result in a net reduction as of the end of a quarter in the amount of such equity instruments outstanding compared with the beginning of the quarter in which the redemption or repurchase occurred. These regulatory policies could affect the ability of the Company to pay dividends, repurchase shares of common stock or otherwise engage in capital distributions. As was previously noted, the Company Order requires prior regulatory approval for any Company dividends, stock repurchase or capital distribution.

Federal Securities Laws

The Company is subject to the periodic reporting, proxy solicitation, tender offer, insider trading restrictions and other requirements under the Securities Exchange Act of 1934, as amended (“Exchange Act”).

Delaware Corporation Law

The Company is incorporated under the laws of the State of Delaware. Thus, it is subject to regulation by the State of Delaware and the rights of its shareholders are governed by the General Corporation Law of the State of Delaware.

FEDERAL AND STATE TAXATION

Federal Taxation

General. The Company and the Bank currently file consolidated federal income tax returns, report their income for tax return purposes on the basis of a taxable year ending March 31st, using the accrual method of accounting and are subject to federal income taxation in the same manner as other corporations with some exceptions, including in particular the Bank's tax reserve for bad debts discussed below. The following discussion of tax matters is intended only as a summary and does not purport to be a comprehensive description of the tax rules applicable to the Bank or the Company.

Bad Debt Reserves. Prior to fiscal 2004, the Bank met the requirement as a “small bank” (one with assets having an adjusted tax basis of $500 million or less) and was permitted to maintain a reserve for bad debts, and to make, within specified formula limits, annual additions to the reserve which are deductible for purposes of computing the Bank's taxable income. Since fiscal year 2004, the Bank has not been considered to be a small bank because its total assets have exceeded $500 million. (See Income Taxes Note 9 of Notes to the Consolidated Financial Statements.)

Distributions. To the extent that the Bank makes “non-dividend distributions” to shareholders, such distributions will be considered to result in distributions from the Bank's “base year reserve,” i.e., its reserve as of March 31, 1988, to the extent thereof and then from its supplemental reserve for losses on loans, and an amount based on the amount distributed will be included in the Bank's taxable income. Non-dividend distributions include distributions in excess of the Bank's current and accumulated earnings and profits, distributions in redemption of stock and distributions in partial or complete liquidation. However, dividends paid out of the Bank's current or accumulated earnings and profits, as calculated for federal income tax purposes, will not constitute non-dividend distributions and, therefore, will not be included in the Bank's taxable income.

The amount of additional taxable income created from a non-dividend distribution is an amount that, when reduced by the tax attributable to the income, is equal to the amount of the distribution. Thus, approximately one and one-half times the non-dividend distribution would be includable in gross income for federal income tax purposes, assuming a 34% federal corporate income tax rate.

Dividends Received Deduction and Other Matters. The Company may exclude from its income 100% of dividends received from the Bank as a member of the same affiliated group of corporations. The corporate dividends received deduction is generally 70% in the case of dividends received from unaffiliated corporations with which the Company and the Bank will not file a consolidated tax return, except that if the Company or the Bank owns more than 20% of the stock of a corporation distributing a dividend, then 80% of any dividends received may be deducted.

State and Local Taxation

State of New York. The Bank and the Company file on a combined basis and are subject to New York State franchise tax on their entire net income or one of several alternative bases, whichever results in the highest tax. “Entire net income” means federal taxable income with adjustments. If, however, the application of an alternative tax (based on taxable assets allocated to New York, “alternative” entire net income or a fixed minimum fee) results in a greater tax, an alternative tax will be imposed. The Company was subject to tax based upon assets for New York State for fiscal 2015. In addition, New York State imposes a tax surcharge of 17% of the New York State Franchise Tax allocable to business activities carried on in the Metropolitan Commuter Transportation District. For fiscal 2015, the New York State franchise tax rate computed on taxable assets was 0.01% (including the Metropolitan Commuter Transportation District Surcharge).

On March 31, 2014, New York State tax legislation was signed into law in connection with the approval of the New York State 2014-2015 budget. Portions of the new legislation resulted in significant changes in the calculation of income taxes imposed on banks and thrifts operating in New York State, including changes to (1) future period New York State tax rates, (2) rules related to sourcing of revenue for New York State tax purposes and (3) the New York State taxation of entities within one corporate structure, among other provisions. In recent years, the Company has been subject to taxation based upon assets in New York State. The new legislation removes that method in future years.

New York City. The Bank and the Company file on a combined basis and are also subject to a similarly calculated New York City banking corporation tax on assets allocated to New York City. For fiscal 2015, the New York City banking corporation tax rate computed on taxable assets is 0.01%. On April 13, 2015, New York State legislation was signed changing the New York City tax law to conform to the New York State law that was adopted last year, with some minor differences.

The impact of the new legislation effecting both the New York State and New York City tax law was a decrease to the Company's gross deferred tax asset of $1.2 million with no impact to current income due to the full valuation allowance.

Management will continue to evaluate and interpret the new legislation and the impact such legislation will have on the Company in future periods. The ultimate impact of such legislation will depend on, among other things, the level and sources of the Company's revenue and how that revenue is treated under the new legislation.

Delaware Taxation. As a Delaware holding company not earning income in Delaware, the Company is exempted from Delaware corporate income tax but is required to file an annual report with and pay an annual franchise tax to the State of Delaware.


ITEM 1A.	RISK FACTORS.

The following is a summary of risk factors relevant to the Company's operations which should be carefully reviewed. These risk factors do not necessarily appear in the order of importance.

Carver is subject to more stringent capital requirements, which may adversely impact the Company's return on equity, or constrain it from paying dividends or repurchasing shares.

In July 2013, the FDIC and the FRB approved a new rule that will substantially amend the regulatory risk-based capital rules applicable to the Bank and the Company. The final rule implements the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act.

The final rule includes new minimum risk-based capital and leverage ratios, which became effective for the Bank and the Company on January 1, 2015, and refines the definition of what constitutes “capital” for purposes of calculating these ratios. The new minimum capital requirements are: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 to risk-based assets capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4%. The final rule also established a “capital conservation buffer” of 2.5%, and the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0%; (ii) a Tier 1 to risk-based assets capital ratio of 8.5%; and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that can be utilized for such actions.

Carver's results of operations may be adversely affected by loan repurchases from U.S. Government Sponsored entities (“GSE's”).

In connection with the sale of loans, Carver as the loan originator is required to make a variety of representations and warranties regarding the originator and the loans that are being sold. If a loan does not comply with the representations and warranties, Carver may be obligated to repurchase the loans, and in doing so, incur any loss directly. Prior to December 31, 2009, the Bank originated and sold loans to the Federal National Mortgage Association ("FNMA"). During fiscal years 2012 through 2015, the Bank has been obligated to repurchase 20 loans previously sold to FNMA. There is no assurance that the Bank will not be required to repurchase additional loans in the future. Accordingly, any repurchase obligations to FNMA could materially and adversely affect the Bank's results of operations and earnings in the future.

The prolonged negative effect of the recession and weak economic recovery will continue to adversely affect our financial performance.

The severe recession and weak economic recovery has resulted in continued uncertainty in the financial and credit markets in general. The FRB, in an attempt to stimulate the overall economy, has, among other things, kept interest rates historically low through its targeted federal funds rate and purchased mortgage-backed securities. While this has helped prevent the economy from deteriorating further and reduced the Bank's cost of funds, the low rates have made it difficult for the Bank to earn interest income on investments and loans. If the FRB increases the federal funds rate, overall interest rates will likely rise, which may negatively impact the housing markets, business' ability to borrow and the U.S. economic recovery. Regardless of the cause or the FRB's response, a prolonged weakness in the economy generally, and in the financial services industry in particular, could continue to negatively affect our operations in multiple ways, including the ability to originate new loans at reasonable rates and the continued deterioration of our loan portfolio, requiring increased provisions and costs to mange problem assets.

Carver's results of operations are affected by economic conditions in the New York metropolitan area.

At March 31, 2015, a significant majority of the Bank's lending portfolio was concentrated in the New York metropolitan area. As a result of this geographic concentration, Carver's results of operations are largely dependent on economic conditions in this area. Decreases in real estate values could adversely affect the value of property used as collateral for loans to our borrowers. Adverse changes in the economy caused by inflation, recession, unemployment or other factors beyond the Bank's control may also continue to have a negative effect on the ability of borrowers to make timely mortgage or business loan payments, which would have an adverse impact on earnings. Consequently, deterioration in economic conditions in the New York metropolitan area could have a material adverse impact on the quality of the Bank's loan portfolio, which could result in increased delinquencies, decreased interest income results as well as an adverse impact on loan loss experience with probable increased allowance for loan losses. Such deterioration also could adversely impact the demand for products and services, and, accordingly, further negatively affect results of operations.

The soundness of other financial institutions could negatively affect us.

Our ability to engage in routine funding transactions could be adversely affected by the actions and commercial soundness of other financial institutions. Financial services institutions are interrelated as a result of trading, clearing, counterparty, or other relationships. As a result, defaults by, or even rumors or questions about, one or more financial services institutions, or the financial services industry generally, have led to market-wide liquidity problems and could lead to losses or defaults by us or by other institutions. Many of these transactions expose us to credit risk in the event of default of our counterparty or client. In addition, our credit risk may be exacerbated when the collateral held by us cannot be realized upon or is liquidated at prices not sufficient to recover the full amount of the financial instrument exposure due us. There is no assurance that any such losses would not materially and adversely affect our results of operations.

The allowance for loan losses could be insufficient to cover Carver's actual loan losses.

We make various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of our borrowers and the value of the real estate and other assets serving as collateral for the repayment of many of our loans. In determining the amount of the allowance for loan losses, we review our loans and our loss and delinquency experience, and we evaluate economic conditions. If our assumptions are incorrect, our allowance for loan losses may not be sufficient to cover losses inherent in our loan portfolio, resulting in additions to our allowance. Material additions to the allowance would materially decrease net income.

In addition, the OCC periodically reviews the allowance for loan losses and may require us to increase our provision for loan losses or recognize further loan charge-offs. A material increase in the allowance for loan losses or loan charge-offs as required by the regulatory authorities would have a material adverse effect on the Company's financial condition and results of operations.

Carver's concentration in commercial real estate loans and multifamily loans could, in a deteriorating economic climate, expose the Company to increased lending risks and related loan losses.

Although Carver Federal has reduced its concentration in non-owner occupied commercial real estate and multifamily loans to within Board approved policy limits, Carver Federal continues to maintain a high concentration in this product area and has begun, on a select basis, to renew existing loans and make new loans. However, further deterioration in the economy could expose Carver Federal to additional losses in these loan types.

Changes in interest rate environment may negatively affect Carver Federal's net income, mortgage loan originations and valuation of available-for-sale securities.

Our primary source of income is net interest income, which is the difference between the interest income generated by our interest-earning assets (consisting primarily of loans and, to a lesser extent, securities) and the interest expense produced by our interest-bearing liabilities (consisting primarily of deposits and wholesale borrowings).

The cost of our deposits and short-term wholesale borrowings is largely based on short-term interest rates, the level of which is driven by the Federal Open Market Committee of the FRB. However, the yields generated by our loans and securities are typically driven by intermediate-term (i.e., five-year) interest rates, which are set by the market and generally vary from day to day. The level of net interest income is therefore influenced by movements in such interest rates, and the pace at which such movements occur. If the interest rates on our interest-bearing liabilities increase at a faster pace than the interest rates on our interest-earning assets, the result could be a reduction in net interest income and with it, a reduction in our earnings. Our net interest income and earnings would be similarly impacted were the interest rates on our interest-earning assets to decline more quickly than the interest rates on our interest-bearing liabilities.

In addition, such changes in interest rates could affect our ability to originate loans and attract and retain deposits; the fair values of our securities and other financial assets; the fair values of our liabilities; and the average lives of our loan and securities portfolios.

Changes in interest rates could also have an effect on loan refinancing activity which, in turn, would impact the amount of prepayment penalty income we receive on our multi-family and commercial real estate loans. Because prepayment penalties are recorded as interest income, the extent to which they increase or decrease during any given period could have a significant impact on the level of net interest income and net income we generate during that time.

In addition, changes in interest rates could have an effect on the slope of the yield curve. If the yield curve were to invert or become flat, our net interest income and net interest margin could contract, adversely affecting our net income and cash flows and the value of our assets.

In addition, the actual amount of time before mortgage and business loans and mortgage-backed securities are repaid can be significantly impacted by changes in mortgage prepayment rates and prevailing market interest rates impacting not only Carver Federal's interest income, but Carver Federal's liquidity. Mortgage prepayment rates will vary due to a number of factors, including the regional economy in the area where the underlying mortgages were originated, seasonal factors, demographic variables and the ability to assume the underlying mortgages. However, the major factors affecting prepayment rates are prevailing interest rates, related loan refinancing opportunities and competition.

Finally, the estimated fair value of the Company's available-for-sale securities portfolio may increase or decrease materially depending on changes in interest rates. Carver Federal's securities portfolio is comprised primarily of fixed rate securities.

Strong competition within the Bank's market areas could adversely affect profits and slow growth.

The New York metropolitan area has a high density of financial institutions, of which many are significantly larger than Carver Federal and with greater financial resources. Additionally, various large out-of-state financial institutions may continue to enter the New York metropolitan area market. All are considered competitors to varying degrees.

Carver Federal faces intense competition both in making loans and attracting deposits. Competition for loans, both locally and in the aggregate, comes principally from mortgage banking companies, commercial banks, savings banks and savings and loan associations. Most direct competition for deposits comes from commercial banks, savings banks, savings and loan associations and credit unions. The Bank also faces competition for deposits from money market mutual funds and other corporate and government securities funds, as well as from other financial intermediaries, such as brokerage firms and insurance companies. Market area competition is a factor in pricing the Bank's loans and deposits, which could reduce net interest income. Competition also makes it more challenging to effectively grow loan and deposit balances. The Company's profitability depends upon its continued ability to successfully compete in its market areas.

Failure to maintain effective systems of internal and disclosure controls could have a material adverse effect on the Company’s results of operation and financial condition.

Effective internal and disclosure controls are necessary for the Company to provide reliable financial reports and effectively prevent fraud, and to operate successfully as a public company. If the Company cannot provide reliable financial reports or prevent fraud, its reputation and operating results would be harmed. As part of the Company’s ongoing monitoring of internal controls, it may discover material weaknesses or significant deficiencies in its internal control that require remediation. A “material weakness” is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a reasonable possibility that a material misstatement of a company’s annual or interim financial statements will not be prevented or detected on a timely basis.

The Company continually works on improving its internal controls. However, the Company cannot be certain that these measures will ensure that it implements and maintains adequate controls over its financial processes and reporting. Any failure to maintain effective controls or to timely implement any necessary improvement of the Company’s internal and disclosure controls could, among other things, result in losses from fraud or error, harm the Company’s reputation, or cause investors to lose confidence in the Company’s reported financial information, all of which could have a material adverse effect on the Company’s results of operation and financial condition.

Carver and the Bank operate in a highly regulated industry, which limits the manner and scope of business activities.

Carver Federal is subject to extensive supervision, regulation and examination by the OCC and to a lesser extent the FDIC. The Company is subject to extensive supervision, regulation and examination by the FRB. As a result, Carver Federal and the Company are limited in the manner in which Carver Federal and the Company conducts its business, undertakes new investments and activities and obtains financing. This regulatory structure is designed primarily for the protection of the deposit insurance funds and depositors, and not to benefit the Company's stockholders. This regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies with respect to capital levels, the timing and amount of dividend payments, the classification of assets and the establishment of adequate loan loss reserves for regulatory purposes. In addition, Carver Federal must comply with significant anti-money laundering

and anti-terrorism laws. Government agencies have substantial discretion to impose significant monetary penalties on institutions which fail to comply with these laws.

On October 4, 2006, the OCC and other federal bank regulatory authorities published the Interagency Guidance on Nontraditional Mortgage Product Risk, or (the "Guidance"). In general, the Guidance applies to all residential mortgage loan products that allow borrowers to defer repayment of principal or interest. The Guidance describes sound practices for managing risk, as well as marketing, originating and servicing nontraditional mortgage products, which include, among other things, interest-only loans. The Guidance sets forth supervisory expectations with respect to loan terms and underwriting standards, portfolio and risk management practices and consumer protection. For example, the Guidance indicates that originating interest-only loans with reduced documentation is considered a layering of risk and that institutions are expected to demonstrate mitigating factors to support their underwriting decision and the borrower's repayment capacity. Specifically, the Guidance indicates that a lender may accept a borrower's statement as to the borrower's income without obtaining verification only if there are mitigating factors that clearly minimize the need for direct verification of repayment capacity and that, for many borrowers, institutions should be able to readily document income.

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) is significantly changing the current bank regulatory structure and affecting the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare numerous studies and reports for Congress. The federal agencies are given significant discretion in drafting the implementing rules and regulations, and consequently, many of the details and much of the impact of the Dodd-Frank Act may not be known for many months or years. However, it is expected that the legislation and implementing regulations will materially increase our operating and compliance costs.

The Dodd-Frank Act created the CFPB with broad powers to supervise and enforce consumer protection laws. The CFPB has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit “unfair, deceptive or abusive” acts and practices. The CFPB has examination and enforcement authority over all banks with more than $10 billion in assets. However, institutions of less than $10 billion in assets, such as the Bank, will continue to be examined for compliance with consumer protection and fair lending laws and regulations by, and be subject to the primary enforcement authority of their prudential regulator rather than the Consumer Financial Protection Bureau. The Dodd-Frank Act also weakens the federal preemption rules that have been applicable for national banks and federal savings associations, and gives state attorneys general the ability to enforce federal consumer protection laws.

The Dodd-Frank Act requires minimum leverage (Tier 1) and risk-based capital requirements for bank and savings and loan holding companies that are no less than those applicable to banks, which will exclude certain instruments that previously have been eligible for inclusion by bank holding companies as Tier 1 capital, such as trust preferred securities.

Effective July 21, 2011, the Dodd-Frank Act eliminated the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest bearing checking accounts, which could result in an increase in our interest expense.

The Dodd-Frank Act also broadens the base for FDIC deposit insurance assessments. Assessments are now based on the average consolidated total assets less tangible equity capital of a financial institution, rather than deposits. The Dodd-Frank Act also permanently increases the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2009, and non-interest bearing transaction accounts had unlimited deposit insurance through December 31, 2012. The legislation also increases the required minimum reserve ratio for the Deposit Insurance Fund from 1.15% to 1.35% of insured deposits, and directs the FDIC to offset the effects of increased assessments on depository institutions with less than $10 billion in assets.

The Dodd-Frank Act requires publicly traded companies to give stockholders a non-binding vote on executive compensation and so-called “golden parachute” payments. It also provides that the listing standards of the national securities exchanges shall require listed companies to implement and disclose “clawback” policies mandating the recovery of incentive compensation paid to executive officers in connection with accounting restatements. The legislation also directs the FRB to promulgate rules prohibiting excessive compensation paid to bank holding company executives.

Effective December 10, 2013, pursuant to the Dodd-Frank Act, federal banking and securities regulators issued final rules to implement Section 619 of the Dodd-Frank Act (the “Volcker Rule”). Generally, subject to a transition period and certain exceptions, the Volcker Rule restricts insured depository institutions and their affiliated companies from engaging in short-term proprietary trading of certain securities, investing in funds with collateral comprised of less than 100% loans that are not registered with the Securities and Exchange Commission (“SEC”) and from engaging in hedging activities that do not hedge a specific

identified risk. After the transition period, the Volcker Rule prohibitions and restrictions will apply to banking entities, including the Company, unless an exception applies.

The Financial Accounting Standards Board, the SEC and other regulatory entities, periodically change the financial accounting and reporting guidance that governs the preparation of the Company's consolidated financial statements. These changes can be difficult to predict and can materially impact how the Company records and reports its financial condition and results of operations. In some cases, the Company could be required to apply new or revised guidance retroactively.

Our Common Stock may be delisted if we are not able to meet the NASDAQ continued listing requirements.

On November 30, 2011, we received notice from the NASDAQ Stock Market that the NASDAQ Hearings Panel had made a determination to transfer the listing of the Company's common stock from the NASDAQ Global Market to the NASDAQ Capital Market effective at the opening of the market on December 2, 2011. Although we believe that we are now in compliance with all continued listing requirements of The NASDAQ Capital Market, we may not be able to remain in compliance at all times. If we fail to meet the continued listing requirements, our shares of Common Stock may be delisted and we may be forced to list our shares of Common Stock on another exchange or quotation service. If this occurs, our Common Stock may become illiquid, and the price of our Common Stock may be negatively affected.

Restrictions on the Company and the Bank stemming from the Treasury's equity interest in the Company may have a material effect on results of operations.

On January 20, 2009, the Company became a TARP CPP participant by completing the sale of $18.98 million in preferred stock to the U.S. Treasury. As a participant, among other things, the Company must adopt the Treasury's standards for executive compensation and corporate governance for the period during which the Treasury holds equity issued under this program. These standards would generally apply to the Company's CEO, CFO and the three next most highly compensated officers (“Senior Executive”). The standards include (1) ensuring that incentive compensation for Senior Executives does not encourage unnecessary and excessive risks that threaten the value of the financial institution; (2) required claw-back of any bonus or incentive compensation paid to a Senior Executive based on statements of earnings, gains or other criteria that are later proven to be materially inaccurate; (3) prohibition on making golden parachute payments to Senior Executives; and (4) agreement not to deduct for tax purposes executive compensation in excess of $500,000 for each Senior Executive. In particular, the change to the deductibility limit on executive compensation would likely increase slightly the overall cost of the Company's compensation programs. the Company also had to adopt certain monitoring and reporting processes.

On August 27, 2010, the Company redeemed the preferred stock and issued $18.98 million in Series B preferred stock in connection with the Company's changing its participation from TARP CPP to TARP Community Development Capital Initiative ("CDCI"). On October 25, 2011 Carver's shareholders approved the conversion of TARP CDCI Series B preferred stock to common stock. On October 28, 2011, the Treasury converted the CDCI Series B preferred stock to Carver common stock. Under the terms of the agreement between the Treasury and the Company, the Company agreed that so long as the Treasury has an equity interest in the Company, it will continue to be bound by all of the current restrictions and requirements that the Treasury may choose to implement. The Company is unable to determine the impact that future restrictions and/or requirements resulting from the Treasury's ownership interest may have on the Company's results of operations.

The Company is subject to certain risks with respect to liquidity.

Liquidity refers to the Company's ability to generate sufficient cash flows to support operations and to fulfill obligations, including commitments to originate loans, to repay wholesale borrowings, and to satisfy the withdrawal of deposits by customers.

The Company's primary sources of liquidity are the cash flows generated through the repayment of loans and securities, cash flows from the sale of loans and securities, deposits gathered organically through the Bank's branch network, from socially motivated depositors, city and state agencies and deposit brokers and borrowed funds, primarily in the form of wholesale borrowings from the FHLB-NY. In addition, and depending on current market conditions, the Company has the ability to access the capital markets from time to time.

Deposit flows, calls of investment securities and wholesale borrowings, and prepayments of loans and mortgage-related securities are strongly influenced by such external factors as the direction of interest rates, whether actual or perceived, local and national economic conditions and competition for deposits and loans in the markets the Bank serves. Furthermore, changes to the FHLB-NY's underwriting guidelines for wholesale borrowings may limit or restrict the Bank's ability to borrow, and could therefore have a significant adverse impact on liquidity.

A decline in available funding could adversely impact the Bank's ability to originate loans, invest in securities, and meet expenses, or to fulfill such obligations as repaying borrowings or meeting deposit withdrawal demands.

The Bank's ability to pay dividends or lend funds to the Company is subject to regulatory limitations that may prevent the Company from making future dividend payments or principal and interest payments on its debt obligation.

Carver is a unitary savings and loan association holding company regulated by the OCC and FRB and almost all of its operating assets are owned by Carver Federal. Carver relies primarily on dividends from the Bank to pay cash dividends to its stockholders, to engage in share repurchase programs and to pay principal and interest on its trust preferred debt obligation. The OCC regulates all capital distributions by the Bank to the Company, including dividend payments payments and the Federal Reserve Board regulates dividends by the Company. As the subsidiary of a savings and loan association holding company, Carver Federal must file a notice or an application (depending on the proposed dividend amount) with the OCC prior to each capital distribution. The OCC will disallow any proposed dividend that would result in failure to meet the OCC minimum capital requirements. In accordance with the Orders, the Bank is currently prohibited from paying any dividends without prior regulatory approval, and, as such, has suspended the Company's regularly quarterly cash dividend on its common stock. There are no assurances that the payments of dividends on the common stock will resume. The FRB also precluded future payment of debenture interest payments on the Carver Statutory Trust I capital securities. These payments remain on deferral status.

Carver may not be able to utilize its income tax benefits.

The Company's ability to utilize the deferred tax asset generated by New Markets Tax Credit income tax benefits as well as other deferred tax assets depends on its ability to meet the NMTC compliance requirements and its ability to generate sufficient taxable income from operations in the future. Since the Bank has not generated sufficient taxable income to utilize tax credits as they were earned, a deferred tax asset has been recorded in the Company's financial statements. For additional information regarding Carver's NMTC, refer to Item 7, "Variable Interest Entities."

The future recognition of Carver's deferred tax asset is highly dependent upon Carver's ability to generate sufficient taxable income. A valuation allowance is required to be maintained for any deferred tax assets that we estimate are more likely than not to be unrealizable, based on available evidence at the time the estimate is made. In assessing Carver's need for a valuation allowance, we rely upon estimates of future taxable income. Although we use the best available information to estimate future taxable income, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances influencing our projections. Valuation allowances related to deferred tax assets can be affected by changes to tax laws, statutory rates, and future taxable income levels. The Company determined that it would not be able to realize all of its net deferred tax assets in the future, as such a charge to income tax expense in the second quarter of fiscal 2011 was made. Conversely, if the Company were to determine that it would be able to realize its deferred tax assets in the future in excess of the net carrying amounts, the Company would decrease the recorded valuation allowance through a decrease in income tax expense in the period in which that determination was made.

On June 29, 2011, the Company raised $55 million of equity. The capital raise triggered a change in control under Section 382 of the Internal Revenue Code. Generally, Section 382 limits the utilization of an entity's net operating loss carry forwards, general business credits, and recognized built-in losses upon a change in ownership. The Company is subject to an annual limitation of approximately $0.9 million. The Company has a net deferred tax asset (“DTA”) of approximately $29.2 million. Based on management's calculations, the Section 382 limitation has resulted in previous reductions of the deferred tax asset of $5.8 million. The Company also continues to maintain a full valuation allowance for the remaining net deferred tax asset of $23.4 million. The Company is unable to determine how much, if any of the remaining DTA will be utilized.

System failure or breaches of Carver’s network security could subject it to increased operating costs as well as litigation and other liabilities.

The computer systems and network infrastructure Carver and its third-party service providers use could be vulnerable to unforeseen problems. Carver’s operations are dependent upon its ability to protect its computer equipment against damage from physical theft, fire, power loss, telecommunications failure or a similar catastrophic event, as well as from security breaches, denial of service attacks, viruses, worms and other disruptive problems caused by hackers. Any damage or failure that causes an interruption in Carver’s operations could have a material adverse effect on its financial condition and results of operations. Computer break-ins, phishing and other disruptions could also jeopardize the security of information stored in and transmitted through Carver’s computer systems and network infrastructure, which may result in significant liability to Carver and may cause existing and potential customers to refrain from doing business with Carver. Although Carver, with the help of third-party service providers, intends to continue to implement security technology and establish operational procedures designed to prevent such damage, its security measures may not be successful. In addition, advances in computer capabilities, new discoveries in the field of cryptography

or other developments could result in a compromise or breach of the algorithms Carver and its third-party service providers use to encrypt and protect customer transaction data. A failure of such security measures could have a material adverse effect on Carver’s financial condition and results of operations.

It is possible that a significant amount of time and money may be spent to rectify the harm caused by a breach or hack. While Carver has general liability insurance, there are limitations on coverage as well as dollar amount. Furthermore, cyber incidents carry a greater risk of injury to Carver’s reputation. Finally, depending on the type of incident, banking regulators can impose restrictions on Carver’s business and consumer laws may require reimbursement of customer loss.

The Company's business could suffer if it fails to retain skilled people.

The Company's success depends on its ability to attract and retain key employees reflecting current market opportunities and challenges. Competition for the best people is intense, and the Company's size and limited resources may present additional challenges in being able to retain the best possible employees, which could adversely affect the results of operations.


ITEM 1B.	UNRESOLVED STAFF COMMENTS.

Not Applicable.


ITEM 2.	PROPERTIES.

The Bank currently conducts its business through two administrative offices and ten branches (including the West Harlem 125th Street main branch) and four separate ATM locations.

The following table sets forth certain information regarding Carver Federal's offices and other material properties at March 31, 2015. The Bank believes that such facilities are suitable and adequate for its operational needs.



Branches	Address	City/State	Year Opened	Owned or Leased	Lease Expiration Date	% Space Utilized
Main Branch	75 West 125th Street	New York, NY	1996	Owned	n/a	100%
Crown Heights Branch	1009-1015 Nostrand Avenue	Brooklyn, NY	1975	Owned	n/a	100%
St. Albans Branch	115-02 Merrick Boulevard	Jamaica, NY	1996	Leased	2/2021	100%
Malcolm X Blvd. Branch	142 Malcolm X Boulevard	New York, NY	2001	Leased	5/2016	100%
Jamaica Center Branch	158-45 Archer Avenue	Jamaica, NY	2003	Leased	7/2018	100%
Atlantic Terminal Branch	4 Hanson Place	Brooklyn, NY	2003	Leased	4/2019	100%
Bradhurst Branch	300 West 145th Street	New York, NY	2004	Leased	8/2015	100%
Flatbush Branch	833 Flatbush Avenue	Brooklyn, NY	2009	Leased	8/2019	100%
Restoration Plaza	1392 Fulton Street	Brooklyn, NY	2009	Leased	10/2018	100%
East Harlem Branch	160 East 125th Street	New York, NY	2012	Leased	8/2015	100%

ATM Centers
Fulton Street	1950 Fulton Street	Brooklyn, NY	2005	Leased	1/2020	100%
Myrtle Avenue	362 Myrtle Avenue	Brooklyn, NY	2007	Leased	7/2017	100%

ATM Machines
Atlantic Terminal Mall	139 Flatbush Avenue	Brooklyn, NY	2004	Leased	4/2019	100%
Atlantic Center	625 Atlantic Avenue	Brooklyn, NY	2006	Leased	2/2019	100%

Administrative Office
Metrotech Center	12 Metrotech Center	Brooklyn, NY	2007	Leased	12/2017	100%


ITEM 3.	LEGAL PROCEEDINGS.

From time to time, the Company and the Bank or one of its wholly owned subsidiaries are parties to various legal proceedings incident to their business. Certain claims, suits, complaints and investigations (collectively “proceedings”) involving the Company and the Bank or a subsidiary, arising in the ordinary course of business, have been filed or are pending. The Company is unable at this time to determine the ultimate outcome of each proceeding, but believes, after discussions with legal counsel representing the Company and the Bank or the subsidiary in these proceedings, that it has meritorious defenses to each proceeding and appropriate measures have been taken to defend the interests of the Company, Bank or subsidiary. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the financial condition or results of operations of the Company or the Bank. Further, there have been no material developments or changes associated with any litigation matters previously reported by the Company or the Bank. In accordance with ASC Topic 450, Carver has accrued $30,000 for these lawsuits.


ITEM 4.	MINE SAFETY DISCLOSURES.

Not Applicable.

PART II


ITEM 5.	MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.

The Company's common stock was transferred from The Nasdaq Global Market to The Nasdaq Capital Market effective December 2, 2011. The stock had been listed on the NASDAQ Global Market under the symbol “CARV” since July 10, 2008. As of March 31, 2015, there were 3,696,087 shares of common stock outstanding, held by 811 stockholders of record. The following table shows the high and low per share sales prices of the common stock and the dividends declared for the quarters indicated.



	High		Low		Dividend			High		Low		Dividend
Fiscal Year 2015							Fiscal Year 2014
June 30, 2014	$	13.00	$	10.06	$	—	June 30, 2013	$	6.32	$	4.17	$	—
September 30, 2014	$	10.23	$	8.65	$	—	September 30, 2013	$	9.00	$	4.60	$	—
December 31, 2014	$	9.11	$	5.40	$	—	December 31, 2013	$	9.54	$	5.39	$	—
March 31, 2015	$	7.00	$	3.95	$	—	March 31, 2014	$	17.87	$	6.40	$	—

As previously disclosed in a Form 8-K filed with the SEC on October 29, 2010, the Company’s Board of Directors announced that, based on highly uncertain economic conditions and the desire to preserve capital, Carver suspended payment of the quarterly cash dividend on its common stock.

Under OCC regulations, the Bank will not be permitted to pay dividends to the Company on its capital stock if its regulatory capital would be reduced below applicable regulatory capital requirements or if its stockholders' equity would be reduced below the amount required to be maintained for the liquidation account, which was established in connection with the Bank's conversion to stock form. The OCC capital distribution regulations applicable to savings institutions (such as the Bank) that meet their regulatory capital requirements permit, after not less than 30 days prior notice to and non-objection by the FRB, capital distributions during a calendar year that do not exceed the Bank's net income for that year plus its retained net income for the prior two years. For information concerning the Bank's liquidation account, see Note 11 of the Notes to the Consolidated Financial Statements. In addition, the Company is subject to cease and desist orders that affect their ability to pay dividends. See Item 1 - Overview - Cease and Desist Orders.

On August 6, 2002, the Company announced a stock repurchase program to repurchase up to 15,442 shares of its outstanding common stock. As of March 31, 2015, 11,744 shares of its common stock have been repurchased in open market transactions at an average price of $235.80 per share (as adjusted for 1-for-15 reverse stock split that occurred on October 27, 2011). The Company intends to use repurchased shares to fund its stock-based benefit and compensation plans and for any other purpose the Board deems advisable in compliance with applicable law. No shares were repurchased during fiscal 2015. As a result of the Company's participation in the TARP CDCI, the U.S. Treasury's prior approval is required to make further repurchases. As discussed below, the U.S. Treasury converted its preferred stock into common stock, which the U.S. Treasury continues to hold. The Company continues to be bound by the TARP CDCI restrictions so long as the U.S. Treasury is a common stockholder.

Carver has the following equity compensation plans:

(1) The Management Recognition Plan (“MRP”) provides for automatic grants of restricted stock to certain employees and non-employee directors as of the date the plan became effective in 1995. Additionally, the MRP makes provision for added discretionary grants of restricted stock to those employees so selected by the Compensation Committee of the Board, which administers the plan. There are no shares available for grant under the MRP.

(2) The 1995 Stock Option Plan provides for automatic option grants to certain employees and directors as of the date the plan became effective in September of 1995, and like the MRP, also makes provision for added discretionary option grants to those employees so selected by the Compensation Committee. The 1995 Stock Option Plan expired in 2005; however, options are still outstanding under this plan.

(3) The 2006 Stock Incentive Plan became effective in September of 2006 and provides for discretionary option grants, stock appreciation rights and restricted stock to those employees and directors so selected by the Compensation Committee.

(4) The Carver Bancorp, Inc. 2014 Equity Incentive Plan became effective in September 2014 and provides for discretionary option grants, stock appreciation rights and restricted stock to those officers and directors selected by the Company’s Compensation Committee.

Additional information regarding Carver's equity compensation plans is incorporated by reference from the section entitled “Securities Authorized for Issuance Under Equity Compensation Plans” in the Proxy Statement (as defined below in Item 10).

Recent Sales of Unregistered Securities; Use of Proceeds from Registered Securities

See Item 1 - Overview - Recapitalization - Transactions. As previously disclosed on the Form 8-K, on June 29, 2011, Carver Bancorp, Inc. entered into stock purchase agreements with several institutional investors pursuant to which the investors agreed to purchase an aggregate of 55,000 shares of the Company's Mandatorily Convertible Non-Voting Participating Preferred Stock, Series C for an aggregate purchase price of $55,000,000. The Series C preferred stock was offered and sold pursuant to an exemption from registration provided by Section 4(2) of the Securities Act of 1933.

On October 25, 2011, Carver's shareholders voted and approved a 1-for-15 reverse stock split. A separate vote of stockholder approval was given to convert the Series C preferred stock into Series D preferred stock and common stock and exchange the Treasury CDCI Series B preferred stock for common stock.

On October 28, 2011, the Treasury exchanged the CDCI Series B preferred stock for Carver common stock.


ITEM 6.	SELECTED FINANCIAL DATA.

The following selected consolidated financial and other data is as of and for the years ended March 31 and is derived in part from, and should be read in conjunction with the Company's consolidated financial statements and related notes:



$ in thousands	2015			2014			2013			2012			2011
Selected Financial Condition Data:
Assets	$	676,386		$	639,838		$	638,277		$	641,230		$	709,215
Loans held-for-sale	2,576			5,011			13,107			29,626			9,205
Total loans receivable, net	478,716			382,723			359,133			393,037			557,156
Investment securities	113,107			98,490			125,094			96,187			71,248
Cash and cash equivalents	50,992			122,554			104,646			91,697			44,077
Deposits	527,761			509,366			495,716			532,597			560,698
Advances from the FHLB-NY and other borrowed money	83,403			70,403			76,403			43,429			112,641
Equity	54,979			51,169			56,735			56,619			27,717

Number of deposit accounts	45,780			40,530			41,195			41,549			44,413
Number of branches	10			10			10			9			9

Operating Data:
Interest income	22,327			23,248			23,785			27,936			36,245
Interest expense	3,942			3,951			4,878			8,053			9,455
Net interest income before provision for (recovery of) loan losses	18,385			19,297			18,907			19,883			26,790
Provision for (recovery of) loan losses	(3,010		)	(426		)	(3,327		)	16,342			27,114
Net interest income after provision for (recovery of) loan losses	21,395			19,723			22,234			3,541			(324		)
Non-interest income	5,568			6,806			7,049			3,654			7,330
Non-interest expense	26,714			27,373			29,238			30,934			30,758
Income (loss) before income taxes	249			(844		)	45			(23,739		)	(23,752		)
Income tax expense (benefit)	166			102			328			(961		)	15,718
Net (loss) income attributable to non-controlling interest	(281		)	(110		)	(945		)	629			57
Net income (loss) attributable to Carver Bancorp, Inc.	364			(836		)	662			(23,407		)	(39,527		)
Basic earnings (loss) per common share ⁽¹⁰⁾	0.10			(0.23		)	0.18			(14.26		)	(242.25		)
Diluted earnings (loss) per common share	0.10			(0.23		)	0.18			(14.26		)	(242.25		)
Cash dividends per common share	—			—			—			—			0.50

Selected Statistical Data:
Return on average assets⁽¹⁾	0.06		%	(0.14		)%	0.11		%	(3.49		)%	(5.08		)%
Return on average stockholders' equity ^{(2) (11)}	0.67		%	(1.57		)%	1.19		%	(40.46		)%	(79.00		)%
Return on average stockholders' equity, excluding AOCI^{(2) (11)}	0.64		%	(1.49		)%	1.18		%	(40.37		)%	(78.83		)%
Net interest margin ⁽³⁾	3.03		%	3.35		%	3.11		%	3.10		%	3.62		%
Average interest rate spread ⁽⁴⁾	2.91		%	3.22		%	2.93		%	2.78		%	3.42		%
Efficiency ratio^{(5) (10)}	111.53		%	104.87		%	112.64		%	131.43		%	90.15		%
Operating expense to average assets ⁽⁶⁾	4.27		%	4.56		%	4.74		%	4.62		%	3.96		%
Average stockholders' equity to average assets ^{(7) (11)}	8.68		%	8.90		%	9.00		%	8.64		%	6.44		%
Average stockholders' equity, excluding AOCI, to average assets ^{(7) (11)}	9.09		%	9.33		%	9.07		%	8.66		%	6.45		%
Dividend payout ratio ⁽⁸⁾	—			—			—			—			NM

Asset Quality Ratios:
Non-performing assets to total assets⁽⁹⁾	2.26		%	2.96		%	7.23		%	13.47		%	12.29		%
Non-performing loans to total loans receivable⁽⁹⁾	1.74		%	3.22		%	8.27		%	13.22		%	13.34		%
Allowance for loan losses to total loans receivable	0.93		%	1.85		%	2.97		%	4.80		%	3.99		%


⁽¹⁾	Net income (loss) divided by average total assets.


⁽²⁾	Net income (loss) divided by average total stockholders' equity


⁽³⁾	Net interest income divided by average interest-earning assets.


⁽⁴⁾	Combined weighted average interest rate earned less combined weighted average interest rate cost.


⁽⁵⁾	Operating expense divided by sum of net interest income and non-interest income.


⁽⁶⁾	Non-interest expense divided by average total assets.


⁽⁷⁾	Average stockholders' equity divided by average assets for the period ended.


⁽⁸⁾	Dividends paid to common stockholders as a percentage of net income available to common stockholders.


⁽⁹⁾	Non-performing assets consist of nonaccrual loans, loans held-for-sale and real estate owned.


⁽¹⁰⁾	Common stock shares for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011. The decline in loss per share from 2011 to 2012 is attributable to the issuance of 3,529,325 shares of common stock on October 28, 2011 as a result of the Company's June 29, 2011 raise of $55 million of equity.


⁽¹¹⁾	See Non-GAAP Financial Measures disclosure below for comparable GAAP measures.

NA-Not applicable when in loss position because the impact would be antidilutive.

NM-Not meaningful.

Non-GAAP Financial Measures

In addition to evaluating Carver Bancorp's results of operations in accordance with U.S. generally accepted accounting principles (“GAAP”), management routinely supplements their evaluation with an analysis of certain non-GAAP financial measures, such as the efficiency ratio, return on average stockholders' equity excluding average accumulated other comprehensive income (loss) ("AOCI"), and average stockholders' equity excluding AOCI to average assets. Management believes these non-GAAP financial measures provide information that is useful to investors in understanding the Company's underlying operating performance and trends, and facilitates comparisons with the performance of other banks and thrifts. Further, the efficiency ratio is used by management in its assessment of financial performance, including non-interest expense control.

Return on equity measures how efficiently we generate profits from the resources provided by our net assets. Return on average stockholders' equity is calculated by dividing annualized net income (loss) by average stockholders' equity, excluding AOCI. Management believes that this performance measure explains the results of the Company's ongoing businesses in a manner that allows for a better understanding of the underlying trends in the Company's current businesses. For purposes of the Company's presentation, AOCI includes the changes in the market or fair value of its investment portfolio and former pension plan. These fluctuations have been excluded due to the unpredictable nature of this item and is not necessarily indicative of current operating or future performance.



$ in thousands	2015			2014			2013			2012			2011
Average Stockholders' Equity
Average Stockholders' Equity	$	54,319		$	53,406		$	55,467		$	57,849		$	50,032
Average AOCI	(2,525		)	(2,545		)	(436		)	(126		)	(112		)
Average Stockholders' Equity, excluding AOCI	$	56,844		$	55,951		$	55,903		$	57,975		$	50,144

Return on Average Stockholders' Equity	0.67		%	(1.57		)%	1.19		%	(40.46		)%	(79.00		)%
Return on Average Stockholders' Equity, excluding AOCI	0.64		%	(1.49		)%	1.18		%	(40.37		)%	(78.83		)%

Average Stockholders' Equity to Average Assets	8.68		%	8.90		%	9.00		%	8.64		%	6.44		%
Average Stockholders' Equity, excluding AOCI, to Average Assets	9.09		%	9.33		%	9.07		%	8.66		%	6.45		%


ITEM 7.	MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

The following discussion and analysis should be read in conjunction with the Company's Consolidated Financial Statements and Notes to Consolidated Financial Statements presented elsewhere in this report. The Company's results of operations are significantly affected by general economic and competitive conditions, particularly changes in market interest rates, government policies, changes in accounting standards and actions of regulatory agencies.

Executive Summary

Carver ended fiscal 2015 with net income of $364 thousand, compared to a net loss of $836 thousand for the prior year period. The prior year loss was primarily related to recognition of a non-cash expense associated with the termination of the Company's pension plan. The Bank continues to remain focused on loan portfolio growth and improving asset quality, with loans increasing 24% fiscal year-to-date and non-performing assets declining by 19% year-over-year.

The business climate continues to present significant challenges as banks continue to absorb heightened regulatory costs and compete for limited loan demand. Nevertheless, Carver Federal seeks to generate new loan production and purchase loans

at suitable prices such that the outstanding loan portfolio increases during the fiscal year. Carver Federal also intends to continue to focus on cost control. With the lifting of the Bank's Orders in November 2014, the Company expects lower FDIC insurance and regulatory costs, and the completion of the Bank's upgrade of its technology platform during the fiscal year will better serve the Bank's customers and serve as a tool to attract new business, including the growing segment of women and minority entrepreneurs in the local communities.

Critical Accounting Policies

Various elements of accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. Carver's policy with respect to the methodologies used to determine the allowance for loan and lease losses, securities impairment, and assessment of the recoverability of the deferred tax asset are the most critical accounting policies. These policies are important to the presentation of Carver's financial condition and results of operations, and involve a high degree of complexity, requiring management to make difficult and subjective judgments, which often require assumptions or estimates about highly uncertain matters. Such assumptions and estimates are susceptible to significant changes in today's economic environment. The use of different judgments, assumptions and estimates could result in material differences in the Company's results of operations or financial condition.

Allowance for Loan and Lease Losses

The adequacy of the Bank's ALLL is determined, in accordance with the Interagency Policy Statement on the Allowance for Loan and Lease Losses (the “Interagency Policy Statement”) released by the OCC on December 13, 2006 and in accordance with ASC Subtopics 450-20 "Loss Contingencies" and 310-10 "Accounting by Creditors for Impairment of a Loan." Compliance with the Interagency Policy Statement includes management's review of the Bank's loan portfolio, including the identification and review of individual problem situations that may affect a borrower's ability to repay. In addition, management reviews the overall portfolio quality through an analysis of delinquency and non-performing loan data, estimates of the value of underlying collateral, current charge-offs and other factors that may affect the portfolio, including a review of regulatory examinations, an assessment of current and expected economic conditions and changes in the size and composition of the loan portfolio.

The ALLL reflects management's evaluation of the loans presenting identified loss potential, as well as the risk inherent in various components of the portfolio. There is significant judgment applied in estimating the ALLL. These assumptions and estimates are susceptible to significant changes from period to period. Further, any change in the size of the loan portfolio or any of its components could necessitate an increase in the ALLL even though there may not be a decline in credit quality or an increase in potential problem loans.

General Reserve Allowance

Carver's maintenance of a general reserve allowance in accordance with ASC Subtopic 450-20 includes the Bank's evaluating the risk to loss potential of homogeneous pools of loans based upon historical loss factors and a review of nine different environmental factors that are then applied to each pool. The pools of loans (“Loan Type”) are:


•	1-4 Family


•	Multifamily


•	Commercial Real Estate


•	Construction


•	Business Loans


•	SBA Loans


•	Other (Consumer and Overdraft Accounts)

The pools are further segregated into the following risk rating classes:


•	Pass


•	Special Mention


•	Substandard


•	Doubtful

Bank’s historical charge-off rate reflects the period over which the charge-offs were confirmed and recognized, not the period over which the earlier losses occurred. That is, the charge-off rate measures the confirmation of losses over a period that occurs after the earlier actual losses. During the period between the loss-causing events and the eventual confirmations of losses, conditions may have changed. There is always a time lag between the period over which average charge-off rates are calculated and the date of the financial statements. During that period, conditions may have changed. Another factor influencing the General Reserve is the Bank’s Loss Emergence Period (LEP) assumptions which represent the Bank’s estimate of the average amount of time from the point at which a loss is incurred to the point at which the loss is confirmed, either through the identification of the loss or a charge-off. The Bank generally considers coverage of one year’s losses an appropriate benchmark for most pools of loans because the probable loss on any given pool should ordinarily become apparent in that time frame. In some instances, the Bank may be able, however, to demonstrate a reliance on an LEP less than 12 months coverage based upon adequate management information systems and effective methodologies for estimating losses. However, in some instances, such as in its Commercial Real Estate, Multifamily and Business segments the Bank demonstrates a reliance on a LEP in excess of 12 months. The Bank also recognizes losses in accordance with regulatory charge-off criteria.

Because actual loss experience may not adequately predict the level of losses inherent in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be adjusted based upon any of those factors. As the risk ratings worsen, some of the qualitative factors may increase. The nine qualitative factors the Bank considers and may utilize are:


1.	Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (Policy & Procedures).


2.	Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments (Economy).


3.	Changes in the nature or volume of the loan portfolio and in the terms of loans (Nature & Volume).


4.	Changes in the experience, ability, and depth of lending management and other relevant staff (Management).


5.	Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (Problem Assets).


6.	Changes in the quality of the loan review system (Loan Review).


7.	Changes in the value of underlying collateral for collateral dependent loans (Collateral Values).


8.	The existence and effect of any concentrations of credit and changes in the level of such concentrations (Concentrations).


9.	The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (External Forces).

Specific Reserve Allowance

Carver also maintains a specific reserve allowance for criticized and classified loans individually reviewed for impairment in accordance with ASC Subtopic 310-10 guidelines. The amount assigned to the specific reserve allowance is individually determined based upon the loan. The ASC Subtopic 310-10 guidelines require the use of one of three approved methods to estimate the amount to be reserved and/or charged off for such credits. The three methods are as follows:

1.The present value of expected future cash flows discounted at the loan's effective interest rate,

2.The loan's observable market price; or

3.The fair value of the collateral if the loan is collateral dependent.

The institution may choose the appropriate ASC Subtopic 310-10 measurement on a loan-by-loan basis for an individually impaired loan, except for an impaired collateral dependent loan. Guidance requires impairment of a collateral dependent loan to be measured using the fair value of collateral method. A loan is considered "collateral dependent" when the repayment of the debt will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment.

Criticized and classified loans with at risk balances of $500,000 or more and loans below $500,000 that the Chief Credit Officer deems appropriate for review, are identified and reviewed for individual evaluation for impairment in accordance with ASC Subtopic 310-10. Carver also performs impairment analysis for all troubled debt restructurings (“TDRs”). If it is determined that it is probable the Bank will be unable to collect all amounts due according with the contractual terms of the loan agreement, the loan is categorized as impaired.

If the loan is determined to not be impaired, it is then placed in the appropriate pool of criticized and classified loans to be evaluated collectively for impairment. Loans determined to be impaired are evaluated to determine the amount of impairment based on one of the three measurement methods noted above. The Bank then determines whether the impairment amount is permanent, in which case the loan is written down by the amount of the impairment, or if it is other than permanent, in which case

the Bank establishes a specific valuation reserve that is included in the total ALLL. In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.

Troubled Debt Restructured Loans

TDRs are those loans whose terms have been modified because of deterioration in the financial condition of the borrower and a concession is made. Modifications could include extension of the terms of the loan, reduced interest rates, capitalization of interest and forgiveness of accrued interest and/or principal. Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full. For cash flow dependent loans, the Bank records a specific valuation allowance reserve equal to the difference between the present value of estimated future cash flows under the restructured terms discounted at the loan's original effective interest rate, and the loan's original carrying value. For a collateral dependent loan, the Bank records an impairment charge when the current estimated fair value of the property that collateralizes the impaired loan, if any, is less than the recorded investment in the loan. TDR loans remain on nonaccrual status until they have performed in accordance with the restructured terms for a period of at least six months.

Securities Impairment

The Bank’s available-for-sale securities portfolio is carried at estimated fair value, with any unrealized gains and losses, net of taxes, reported as accumulated other comprehensive (loss) income. Securities that the Bank has the positive intent and ability to hold to maturity are classified as held-to-maturity and are carried at amortized cost. The fair values of securities in portfolio are based on published or securities dealers’ market values and are affected by changes in interest rates. On a quarterly basis, the Bank reviews and evaluates the securities portfolio to determine if the decline in the fair value of any security below its cost basis is other-than-temporary. The Bank generally views changes in fair value caused by changes in interest rates as temporary, which is consistent with its experience. The amount of an other-than-temporary impairment, when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more-likely-than-not that the Bank will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings, and the remaining difference between the debt security’s amortized cost basis and its fair value would be included in other comprehensive (loss) income. This guidance also requires additional disclosures about investments in an unrealized loss position and the methodology and significant inputs used in determining the recognition of other-than-temporary impairment. At March 31, 2015, the Bank does not have any securities that are classified as having other-than-temporary impairment in its investment portfolio.

Deferred Tax Assets

The Company records income taxes in accordance with ASC 740 Topic “Income Taxes,” as amended, using the asset and liability method. Income tax expense (benefit) consists of income taxes currently payable/(receivable) and deferred income taxes. Temporary differences between the basis of assets and liabilities for financial reporting and tax purposes are measured as of the balance sheet date. Deferred tax liabilities or recognizable deferred tax assets are calculated on such differences, using current statutory rates, which result in future taxable or deductible amounts. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Where applicable, deferred tax assets are reduced by a valuation allowance for any portion determined not likely to be realized. This valuation allowance would subsequently be adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant.

On June 29, 2011, the Company raised $55 million of equity, which resulted in a $51.4 million increase in equity after considering the effect of various expenses associated with the capital raise. The capital raise triggered a change in control under Section 382 of the Internal Revenue Code. Generally, Section 382 limits the utilization of an entity's net operating loss carryforwards, general business credits, and recognized built-in losses upon a change in ownership. The Company expects to be subject to an annual limitation of approximately $900 thousand. The Company has a net deferred tax asset (“DTA”) of approximately $29.2 million. Based on management's calculations, the Section 382 limitation has resulted in previous reductions of the deferred tax asset of $5.8 million. A full valuation allowance for the remaining net deferred tax asset of $23.4 million has been recorded.

Asset/Liability Management

The Company's primary earnings source is net interest income, which is affected by changes in the level of interest rates, the relationship between the rates on interest-earning assets and interest-bearing liabilities, the impact of interest rate fluctuations on asset prepayments, the level and composition of deposits and assets, and the credit quality of earning assets. Management's asset/liability objectives are to maintain a strong, stable net interest margin, to utilize the Company's capital effectively without taking undue risks, to maintain adequate liquidity and to manage its exposure to changes in interest rates.

The economic environment is uncertain regarding future interest rate trends. Management monitors the Company's cumulative gap position, which is the difference between the sensitivity to rate changes on the Company's interest-earning assets and interest-bearing liabilities. In addition, the Company uses various tools to monitor and manage interest rate risk, such as a model that projects net interest income based on increasing or decreasing interest rates.

Discussion of Market Risk-Interest Rate Sensitivity Analysis

As a financial institution, the Bank's primary component of market risk is interest rate volatility. Fluctuations in interest rates will ultimately impact both the level of income and expense recorded on a large portion of the Bank's assets and liabilities, and the market value of all interest-earning assets, other than those which are short-term in maturity. Since virtually all of the Company's interest-bearing assets and liabilities are held by the Bank, most of the Company's interest rate risk exposure is retained by the Bank. As a result, all significant interest rate risk management procedures are performed at the Bank. Based upon the Bank's nature of operations, the Bank is not subject to foreign currency exchange or commodity price risk. The Bank does not own any trading assets.

Carver Federal seeks to manage its interest rate risk by monitoring and controlling the variation in repricing intervals between its assets and liabilities. To a lesser extent, Carver Federal also monitors its interest rate sensitivity by analyzing the estimated changes in market value of its assets and liabilities assuming various interest rate scenarios. As discussed more fully below, there are a variety of factors that influence the repricing characteristics of any given asset or liability.

The matching of assets and liabilities may be analyzed by examining the extent to which such assets and liabilities are “interest rate sensitive” and by monitoring an institution's interest rate sensitivity gap. An asset or liability is said to be interest rate sensitive within a specific period if it will mature or reprice within that period. The interest rate sensitivity gap is defined as the difference between the amount of interest-earning assets maturing or repricing within a specific period of time and the amount of interest-bearing liabilities maturing or repricing within that same time period. A gap is considered positive when the amount of interest rate sensitive assets exceeds the amount of interest rate sensitive liabilities and is considered negative when the amount of interest rate sensitive liabilities exceeds the amount of interest rate sensitive assets. Generally, during a period of falling interest rates, a negative gap could result in an increase in net interest income, while a positive gap could adversely affect net interest income. Conversely, during a period of rising interest rates a negative gap could adversely affect net interest income, while a positive gap could result in an increase in net interest income. As illustrated below, Carver Federal had a negative one-year gap equal to 51.91% of total rate sensitive assets at March 31, 2015. As a result, Carver Federal's net interest income may be negatively affected by rising interest rates and may be positively affected by falling interest rates.

The following table sets forth information regarding the projected maturities, prepayments and repricing of the major rate-sensitive asset and liability categories of Carver Federal as of March 31, 2015. Maturity repricing dates have been projected by applying estimated prepayment rates based on the current rate environment. The repricing and other assumptions are not necessarily representative of the Bank's actual results. Classifications of items in the table below are different from those presented in other tables and the financial statements and accompanying notes included herein and do not reflect non-performing loans:



$ in thousands	<3 Mos.		3-12 Mos.		1-3 Yrs.		3-5 Yrs.		5-10 Yrs.		10+ Yrs.		Non-Interest Bearing Funds		Total
Rate Sensitive Assets:
Loans	11,784		15,217		50,272		126,332		125,998		137,509		14,179		481,291
Mortgage backed securities	5,533		—		2,484		13,999		33,741		57,350		—		113,107
Investment securities	9,643		—		—		—		—		—		—		9,643
Other assets	51,223		—		—		—		—		—		21,122		72,345
Total assets	78,183		15,217		52,756		140,331		159,739		194,859		35,301		676,386

Rate Sensitive Liabilities:
Interest-bearing checking accounts	30,860		—		—		—		—		—		—		30,860
Savings accounts	95,009		—		—		—		—		—		—		95,009
Money market accounts	148,702		—		—		—		—		—		—		148,702
Certificate of deposits	29,249		82,375		61,828		28,299		708		—		—		202,459
Borrowings	40,000		—		—		30,000		—		13,403		—		83,403
Other liabilities	—		—		—		—		—		—		60,975		60,975
Equity	—		—		—		—		—		—		54,978		54,978
Total liabilities and equity	343,820		82,375		61,828		58,299		708		13,403		115,953		676,386

Interest sensitivity gap	(265,637	)	(67,158	)	(9,072	)	82,032		159,031		181,456		(80,652	)	—

Cumulative interest sensitivity gap	(265,637	)	(332,795	)	(341,867	)	(259,835)		(100,804)		80,652		—		—

Ratio of cumulative gap to total rate sensitive assets	(41.44	)%	(51.91	)%	(53.33	)%	(40.53	)%	(15.72	)%	12.58	%	—		—

The table above assumes that fixed maturity deposits are not withdrawn prior to maturity and that transaction accounts will decay as disclosed in the table above.

Certain shortcomings are inherent in the method of analysis presented in the table above. Although certain assets and liabilities may have similar maturities or periods of repricing, they may react in different degrees to changes in the market interest rates. The interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while rates on other types of assets and liabilities may lag behind changes in market interest rates. Certain assets, such as adjustable-rate mortgages, generally have features that restrict changes in interest rates on a short-term basis and over the life of the asset. In the event of a change in interest rates, prepayments and early withdrawal levels would likely deviate significantly from those assumed in calculating the table. Additionally, credit risk may increase as many borrowers may experience an inability to service their debt in the event of a rise in interest rate. Virtually all of the adjustable-rate loans in Carver Federal's portfolio contain conditions that restrict the periodic change in interest rate.

Economic Value of Equity (“EVE”) Analysis. As part of its efforts to maximize net interest income while managing risks associated with changing interest rates, management also uses the EVE methodology. EVE is the present value of expected net cash flows from existing assets less the present value of expected cash flows from existing liabilities plus the present value of net expected cash inflows from existing financial derivatives and off-balance sheet contracts.

Under this methodology, interest rate risk exposure is assessed by reviewing the estimated changes in EVE that would hypothetically occur if interest rates rapidly rise or fall along the yield curve. Projected values of EVE at both higher and lower interest rate risk scenarios are compared to base case values (no change in rates) to determine the sensitivity to changing interest rates.

Presented below, as of March 31, 2015, is an analysis of the Bank's interest rate risk as measured by changes in EVE for instantaneous parallel shifts of +/- 400 basis points change in market interest rates. Such limits have been established with consideration of the impact of various rate changes and the Bank's current capital position. The information set forth below relates solely to the Bank. However, because virtually all of the Company's interest rate risk exposure lies at the Bank level, management believes the table below also similarly reflects an analysis of the Company's interest rate risk.



$ in thousands	Economic Value of Equity					EVE as % of PV of Assets
Change in Rate	$ Amount	$ Change		% Change		EVE Ratio		Change
+400 bps	66,412	(10,549	)	(13.71	)%	10.73	%	-47 bps
+300 bps	68,650	(8,311	)	(10.80	)%	10.81	%	-39 bps
+200 bps	71,987	(4,974	)	(6.46	)%	11.04	%	-16 bps
+100 bps	75,169	(1,792	)	(2.33	)%	11.22	%	2 bps
0 bps	76,961					11.20	%
-100 bps	75,919	(1,042	)	(1.35	)%	10.80	%	-40 bps
-200 bps	78,822	1,861		2.42	%	10.99	%	-21 bps
-300 bps	87,796	10,835		14.08	%	12.03	%	83 bps
-400 bps	94,790	17,829		23.17	%	12.87	%	167 bps

Certain shortcomings are inherent in the methodology used in the above interest rate risk measurements. Modeling changes in EVE require the making of certain assumptions, which may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. In this regard, the models presented assume that the composition of our interest sensitive assets and liabilities existing at the beginning of a period remains constant over the period being measured and also assumes that a particular change in interest rates is reflected uniformly across the yield curve regardless of the duration to maturity or repricing of specific assets and liabilities. Accordingly, although the EVE table provides an indication of Carver Federal's interest rate risk exposure at a particular point in time, such measurements are not intended to and do not provide a precise forecast of the effect of changes in market interest rates on Carver Federal's net interest income and may differ from actual results.

Average Balance, Interest and Average Yields and Rates

The following table sets forth certain information relating to Carver Federal's average interest-earning assets and average interest-bearing liabilities, and their related average yields and costs for the years ended March 31, 2015, 2014, and 2013. The table also presents information for the fiscal years indicated with respect to the difference between the weighted average yield earned on interest-earning assets and the weighted average rate paid on interest-bearing liabilities, or “interest rate spread,” which savings institutions have traditionally used as an indicator of profitability. Another indicator of an institution's profitability is its “net interest margin,” which is its net interest income divided by the average balance of interest-earning assets. Net interest income is affected by the interest rate spread and by the relative amounts of interest-earning assets and interest-bearing liabilities. When interest-earning assets approximate or exceed interest-bearing liabilities, any positive interest rate spread will generate net interest income:



	2015							2014							2013
$ in thousands	Average Balance			Interest		Average Yield/ Cost		Average Balance			Interest		Average Yield/ Cost		Average Balance			Interest		Average Yield/ Cost
Interest-Earning Assets:
Loans⁽¹⁾	$	412,357		$	19,974	4.84	%	$	385,259		$	20,734	5.38	%	$	407,106		$	21,398	5.26	%
Mortgage-backed securities	36,947			799		2.16	%	49,921			1,034		2.07	%	50,958			971		1.91	%
Investment securities	53,915			1,022		1.90	%	55,643			1,016		1.83	%	53,012			874		1.65	%
Restricted cash deposit	6,354			1		0.03	%	7,209			1		0.03	%	7,458			2		0.03	%
Equity securities ⁽²⁾	1,936			81		4.18	%	2,280			88		3.86	%	2,596			93		3.58	%
Other investments and federal funds sold	94,310			450		0.48	%	75,945			375		0.49	%	86,122			447		0.52	%
Total interest-earning assets	605,819			22,327		3.68	%	576,257			23,248		4.03	%	607,252			23,785		3.92	%
Non-interest-earning assets	19,721							23,573							9,264
Total assets	$	625,540						$	599,830						$	616,516

Interest-Bearing Liabilities:
Deposits
Interest-bearing checking	$	27,549		$	45	0.16	%	$	25,184		$	40	0.16	%	$	25,842		$	42	0.16	%
Savings and clubs	95,731			255		0.27	%	96,424			256		0.27	%	98,785			259		0.26	%
Money market	142,252			692		0.49	%	116,535			536		0.46	%	111,148			739		0.66	%
Certificates of deposit	197,447			1,831		0.93	%	191,854			1,931		1.01	%	209,622			2,431		1.16	%
Mortgagors deposits	1,956			30		1.53	%	1,955			34		1.74	%	2,079			37		1.78	%
Total deposits	464,935			2,853		0.61	%	431,952			2,797		0.65	%	447,476			3,508		0.78	%
Borrowed money	46,702			1,089		2.33	%	51,264			1,154		2.25	%	44,099			1,370		3.11	%
Total interest-bearing liabilities	511,637			3,942		0.77	%	483,216			3,951		0.82	%	491,575			4,878		0.99	%
Non-interest-bearing liabilities:
Demand deposits	52,866							55,405							61,293
Other liabilities	7,184							7,983							8,236
Total liabilities	571,687							546,604							561,104
Net loss attributable to non-controlling interest	(466		)					(180		)					(55		)
Stockholders' equity	54,319							53,406							55,467
Total liabilities & equity	$	625,540						$	599,830						$	616,516
Net interest income				$	18,385						$	19,297						$	18,907

Average interest rate spread						2.91	%						3.22	%						2.93	%

Net interest margin						3.03	%						3.35	%						3.11	%

Ratio of average interest-earning assets to interest-bearing liabilities						118.41	%						119.25	%						123.53	%

⁽¹⁾ Includes nonaccrual loans.
⁽²⁾ Includes FHLB-NY stock.

Rate/Volume Analysis

The following table sets forth information regarding the extent to which changes in interest rates and changes in volume of interest related assets and liabilities have affected Carver Federal's interest income and expense during the fiscal years ended March 31, 2015, 2014, and 2013 (in thousands). For each category of interest-earning assets and interest-bearing liabilities, information is provided for changes attributable to: (1) changes in volume (changes in volume multiplied by prior rate); (2) changes in rate (change in rate multiplied by old volume). Changes in rate/volume variance are allocated proportionately between changes in rate and changes in volume.



	2015 vs. 2014 Increase (Decrease) due to									2014 vs. 2013 Increase (Decrease) due to
$ in thousands	Volume			Rate			Total			Volume			Rate			Total
Interest-Earning Assets:
Loans	$	1,458		$	(2,218	)	$	(760	)	$	(1,148	)	$	484		$	(664	)
Mortgage-backed securities	(269		)	34			(235		)	(20		)	83			63
Investment securities	(31		)	37			6			43			99			142
Restricted cash deposit	—			—			—			—			(1		)	(1		)
Equity securities	(13		)	6			(7		)	(11		)	6			(5		)
Other investments and federal funds sold	91			(16		)	75			(53		)	(19		)	(72		)
Total interest-earning assets	1,236			(2,157		)	(921		)	(1,189		)	652			(537		)

Interest-Bearing Liabilities:
Deposits
Interest-bearing checking	4			1			5			(1		)	(1		)	(2		)
Savings and clubs	(2		)	1			(1		)	(6		)	3			(3		)
Money market savings	118			38			156			36			(239		)	(203		)
Certificates of deposit	56			(156		)	(100		)	(207		)	(294		)	(501		)
Mortgagors deposits	—			(4		)	(4		)	(2		)	(1		)	(3		)
Total deposits	176			(120		)	56			(180		)	(532		)	(712		)
Borrowed money	(103		)	38			(65		)	223			(438		)	(215		)
Total interest-bearing liabilities	73			(82		)	(9		)	43			(970		)	(927		)

Net change in net interest income	$	1,163		$	(2,075	)	$	(912	)	$	(1,232	)	$	1,622		$	390

Comparison of Financial Condition at March 31, 2015 and 2014

Assets

At March 31, 2015, total assets increased $36.5 million, or 5.7%, to $676.4 million, compared to $639.8 million at March 31, 2014. The overall change was primarily driven by increases of $96.0 million in the loan portfolio, net of the allowance for loan losses, and $14.6 million in the investment portfolio, offset by a decrease of $70.4 million in cash and due from banks as a result of increased lending and investing activity.

Total investment securities increased $14.6 million, or 14.8%, to $113.1 million at March 31, 2015, compared to $98.5 million at March 31, 2014 as the Bank redeployed excess cash by purchasing securities.

Net loans receivable increased $93.2 million, or 23.9%, to $483.2 million at March 31, 2015, compared to $390.0 million at March 31, 2014 following growth in business and mortgage loans from loan purchases and originations.

Liabilities and Equity

Liabilities

Total liabilities increased $32.7 million, or 5.6%, to $621.4 million at March 31, 2015, compared to $588.7 million at March 31, 2014, due to increases in deposits of $18.4 million, and borrowings of $13.0 million to fund the growth in loans and securities.

Deposits increased $18.4 million, or 3.6%, to $527.8 million at March 31, 2015, compared to $509.4 million at March 31, 2014, following an increase in money market and interest-bearing checking accounts.

Advances from the FHLB-NY and other borrowed money increased $13.0 million, or 18.5%, to $83.4 million at March 31, 2015, compared to $70.4 million at March 31, 2014. The Bank increased its borrowings to fund loan growth in the fourth quarter.

Equity

Total equity increased $3.8 million, or 7.4%, to $55.0 million at March 31, 2015, compared to $51.2 million at March 31, 2014. The increase was primarily due to a $3.7 million reduction in unrealized losses on investments and net income earned for the fiscal year.

Comparison of Operating Results for the Years Ended March 31, 2015 and 2014

Net Income/Loss

Net income for fiscal year 2015 was $364 thousand compared to a net loss of $836 thousand for the prior year period, an increase of $1.2 million. The change was driven by higher recoveries of loan losses and lower non-interest expense, partially offset by lower net interest income and non-interest income in the current year.

Net Interest Income

Net interest income decreased $912 thousand, or 4.7%, to $18.4 million for fiscal year 2015, compared to $19.3 million for the prior year period. This change was driven primarily by lower yields on loans.

Interest income decreased $921 thousand, or 4.0%, to $22.3 million compared to $23.2 million in the prior year period. Although the average balance of loans increased by $27.1 million, or 7.0% year over year, the average yield on loans decreased by 54 basis points from 5.38% to 4.84% for the year ended March 31, 2015, driven by a higher concentration of one-to-four family loans and a lower mix of commercial real estate loans. Interest income on mortgage-backed securities decreased $235 thousand for the fiscal year following a $13.0 million, or 26.0%, decrease in the average balances of mortgage-backed securities from the prior year, as low interest rates fueled prepayments. The average yield on mortgage-backed securities increased 9 basis points from 2.07% to 2.16% for the year ended March 31, 2015.

Interest expense remained relatively unchanged at $3.9 million, decreasing $9 thousand, or 0.2%, from the prior year period. An increase in interest expense on deposits was partially offset by a decrease in interest expense on borrowed funds, as the Bank grew deposits and reduced borrowings during the current fiscal year.

Provision for (Recovery of) Loan Losses

The Bank recorded a $3.0 million recovery of loan losses for fiscal year 2015, compared to a $426 thousand recovery for the prior year period. For the year ended March 31, 2015, net recoveries of $255 thousand were recognized, compared to net charge-offs of $3.3 million in the prior year period. Decreases in historic loan loss rates and recoveries of previously charged-off loans were the primary drivers of the improvement. At March 31, 2015, non-performing assets totaled $15.3 million, or 2.3% of total assets, compared to $18.9 million, or 3.0% of total assets at March 31, 2014. The allowance for loan losses was $4.5 million at March 31, 2015, which represents a ratio of the allowance for loan losses to non-performing loans of 53.3% compared to 57.6% at March 31, 2014. The ratio of the allowance for loan losses to total loans receivable was 0.9% at March 31, 2015, a decrease from 1.9% at March 31, 2014, as non-performing loans decreased 33.2% during the period.

Non-interest Income

Non-interest income decreased $1.2 million, or 18.2%, to $5.6 million compared to $6.8 million in the prior year period. Non-interest income in the prior year period included gains on sales of loans and securities of $1.3 million and $552 thousand, respectively, as the Bank disposed of non-performing loans and repositioned its investment portfolio. Other non-interest income for the current fiscal year included a $323 thousand grant award from the Community Development Financial Institutions Fund (the "CDFI Fund") of the Treasury Department.

Non-interest Expense

Non-interest expense decreased $659 thousand, or 2.4%, to $26.7 million, compared to $27.4 million in the prior year period. The decrease was attributed to lower federal deposit insurance premiums as a result of the termination of the Bank's Cease & Desist Orders by the Office of the Comptroller of the Currency ("OCC"), and a decrease in data processing costs offset in part by higher consulting expenses associated with the upgrade of the Bank's core technology platform. Employee compensation and benefits expenses were also higher in the prior year period due to the expense associated with terminating the Company's pension plan.

Income Taxes

Income tax expense was $166 thousand for the fiscal year ended March 31, 2015 compared to $102 thousand in the prior year period.

Liquidity and Capital Resources

Liquidity is a measure of the Bank's ability to generate adequate cash to meet its financial obligations. The principal cash requirements of a financial institution are to cover potential deposit outflows, fund increases in its loan and investment portfolios and ongoing operating expenses. The Bank's primary sources of funds are deposits, borrowed funds and principal and interest payments on loans, mortgage-backed securities and investment securities. While maturities and scheduled amortization of loans, mortgage-backed securities and investment securities are predictable sources of funds, deposit flows and loan and mortgage-backed securities prepayments are strongly influenced by changes in general interest rates, economic conditions and competition. Carver Federal monitors its liquidity utilizing guidelines that are contained in a policy developed by its management and approved by its Board of Directors. Carver Federal's several liquidity measurements are evaluated on a frequent basis. The Bank was in compliance with this policy as of March 31, 2015.

Management believes Carver Federal’s short-term assets have sufficient liquidity to cover loan demand, potential fluctuations in deposit accounts and to meet other anticipated cash requirements. Additionally, Carver Federal has other sources of liquidity including the ability to borrow from the Federal Home Loan Bank of New York ("FHLB-NY") utilizing unpledged mortgage-backed securities and certain mortgage loans, the sale of available-for-sale securities and the sale of certain mortgage loans. Net borrowings increased $13.0 million during fiscal year 2015 as the Bank increased its borrowings to fund loan growth in the fourth quarter. At March 31, 2015, the Bank had $25.0 million in borrowings with a weighted average rate of 1.5% maturing over the next three years. The continued disruption in the credit markets has not materially impacted the Company's ability to access borrowings. At March 31, 2015, based on available collateral held at the FHLB-NY, Carver Federal had the ability to borrow from the FHLB-NY an additional $6.1 million on a secured basis, utilizing mortgage-related loans and securities as collateral.

The Bank's most liquid assets are cash and short-term investments. The level of these assets is dependent on the Bank's operating, investing and financing activities during any given period. At March 31, 2015 and 2014, assets qualifying for short-term liquidity, including cash and cash equivalents, totaled $51.0 million and $122.6 million, respectively.

The most significant potential liquidity challenge the Bank faces is variability in its cash flows as a result of mortgage refinance activity. When mortgage interest rates decline, customers’ refinance activities tend to accelerate, causing the cash flow from both the mortgage loan portfolio and the mortgage-backed securities portfolio to accelerate. In contrast, when mortgage interest rates increase, refinance activities tend to slow, causing a reduction of liquidity. However, in a rising rate environment, customers generally tend to prefer fixed rate mortgage loan products over variable rate products. Carver Federal is also at risk to deposit outflows.

The Consolidated Statements of Cash Flows present the change in cash from operating, investing and financing activities. During fiscal year 2015, total cash and cash equivalents decreased by $71.6 million to $51.0 million reflecting cash used in investing activities of $106.8 million, offset by cash provided by financing activities of $31.4 million and cash provided by operating activities of $3.8 million.

Net cash used in investing activities of $106.8 million was primarily the result of outflows related to loan purchases of $87.3 million, loan originations of $66.8 million, and purchase of securities of $28.2 million. This activity was offset primarily by inflows of $59.1 million in principal collections on loans and $17.1 million in proceeds from investments. Net cash provided by financing activities of $31.4 million resulted from an increase in deposits of $18.4 million, and an increase in FHLB-NY advances and other borrowings of $13.0 million. Net cash provided by operating activities was $3.8 million.

Potential Mortgage Representation and Warranty Liabilities

During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”). The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSE's). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.

Through fiscal 2011, none of the loans sold to FNMA were repurchased by the Bank. During fiscal 2012, 2013, and 2014, three, ten and six loans, respectively, that had been sold to FNMA were repurchased by the Bank. During fiscal 2015, one loan that had been sold to FNMA was repurchased by the Bank. At March 31, 2015 the Bank continues to service 152 loans with a principal balance of $27.5 million for FNMA that were sold with standard representations and warranties.

The table below summarizes changes in our representation and warranty reserves in fiscal 2015:



$ in thousands	March 31, 2015
Representation and warranty repurchase reserve, as of March 31, 2014 ⁽¹⁾	$	287
Net provision for repurchase losses ⁽²⁾	119
Net realized losses ⁽²⁾	—
Representation and warranty repurchase reserve, as of March 31, 2015 ⁽¹⁾	$	406

⁽¹⁾ Reported in consolidated statements of financial condition as a component of other liabilities.

⁽²⁾ Component of other non-interest expense.

Additional information related to the representation and warranty reserve, including factors that may impact the adequacy of the reserves and the ultimate amount of losses incurred is found in “Note 14 Commitments and Contingencies.”

Off-Balance Sheet Arrangements and Contractual Obligations

The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business in order to meet the financing needs of its customers and in connection with its overall investment strategy. These instruments involve, to varying degrees, elements of credit, interest rate and liquidity risk. In accordance with GAAP, these instruments are not recorded in the consolidated financial statements. Such instruments primarily include lending obligations, including commitments to originate mortgage and consumer loans and to fund unused lines of credit.

The Bank has contractual obligations related to operating leases as well as a contingent liability related to a standby letter of credit. See Note 14 of Notes to Consolidated Financial Statements for the Bank's outstanding lending commitments and contractual obligations at March 31, 2015.

The Bank has contractual obligations at March 31, 2015 as follows:



$ in thousands	Payments due by period
Contractual Obligations	Total		Less than 1 year		1 - 3 years		3 - 5 years		More than 5 years
Long-term debt obligations:
FHLB advances	$	65,000	$	40,000	$	—	$	25,000	$	—
Guaranteed preferred beneficial interest in junior subordinated debentures	18,403		—		—		5,000		13,403
Total long-term debt obligations	83,403		40,000		—		30,000		13,403
Operating lease obligations:
Lease obligations for rental properties	8,584		1,515		2,673		1,988		2,408
Total contractual obligations	$	91,987	$	41,515	$	2,673	$	31,988	$	15,811

Variable Interest Entities

The Company's subsidiary, Carver Statutory Trust I, is not consolidated with Carver Bancorp Inc. for financial reporting purposes in accordance with the FASB's ASC Topic 810 regarding the consolidation of variable interest entities (formerly FIN 46(R)). Carver Statutory Trust I was formed in 2003 for the purpose of issuing $13.0 million aggregate liquidation amount of floating rate Capital Securities due September 17, 2033 (“Capital Securities”) and $0.4 million of common securities (which are the only voting securities of Carver Statutory Trust I), which are 100% owned by Carver Bancorp Inc., and using the proceeds to acquire Junior Subordinated Debentures issued by Carver Bancorp, Inc. Carver Bancorp, Inc. has fully and unconditionally guaranteed

the Capital Securities along with all obligations of Carver Statutory Trust I under the trust agreement relating to the Capital Securities.

The Bank's subsidiary, CCDC, was formed to facilitate its participation in local economic development and other community-based activities. In June 2006, CCDC was selected by the Treasury Department, in a highly competitive process, to receive an award of $59 million in New Markets Tax Credit ("NMTC"). CCDC won a second NMTC award of $65 million in May 2009, and a third award of $25 million in August 2011. The NMTC awards provide a credit to Carver Federal against Federal income taxes when the Bank makes qualified investments. The credits are allocated over seven years from the time of the qualified investment. Alternatively, the Bank can utilize the award in projects where another investor entity provides funding and receives the tax benefits of the award in exchange for the Bank receiving fee income. The Bank recorded $625 thousand NMTC fee income in fiscal year 2013.

In December 2010, the Bank divested its interest in the remaining $7.8 million NMTC tax credits that it would have received through the period ending March 31, 2014, by exchanging its equity interests in the special purpose entity that acquired the equity interest. In addition, Carver still provides funding to the underlying projects. While providing funding to investments in the NMTC eligible projects, CCDC has retained a 0.01% interest in other special purpose entities created to facilitate the investments, with the investors owning the remaining 99.99%. CCDC also provides certain administrative services to these entities and receives servicing fee income during the term of the qualifying projects. The Bank has determined that it and CCDC do not have the sole power to direct the activities of these special purpose entities that significantly impact the entities' performance, and therefore are not the primary beneficiaries of these entities. The Bank has a contingent obligation to reimburse the investors for any loss or shortfall incurred as a result of the NMTC project not being in compliance with certain regulations that would void the investor's ability to otherwise utilize tax credits stemming from the award.

As of March 31, 2015, all three allocation awards have been fully utilized in qualifying projects.

The Bank's VIEs, consolidated and unconsolidated, in which the Company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE are presented in the table below.



	Involvement with SPE (000s)										Funded Exposure				Unfunded Exposure				Total
	Recognized Gain (Loss) (000's)		Total Rights transferred		Consolidated assets		Significant unconsolidated VIE assets		Total Involvement with SPE asset		Debt Investments		Equity Investments ⁽¹⁾		Funding Commitments		Maximum exposure to loss
Carver Statutory Trust I	$	—	$	—	$	—	$	13,400	$	13,400	$	13,000	$	400	$	—	$	—	$	13,400
CDE 1-9, CDE 11-12	—		40,000		14,186		—		14,186		—		—		—		7,800		7,800
CDE 10	1,700		19,000		—		8		8		—		—		—		7,410		7,410
CDE 13	500		10,500		—		10,567		10,567		—		1		—		4,095		4,096
CDE 14	400		10,000		—		10,034		10,034		—		1		—		3,900		3,901
CDE 15, CDE 16, CDE 17	900		20,500		—		20,711		20,711		—		2		—		7,995		7,997
CDE 18	600		13,254		—		13,282		13,282		—		1		—		5,169		5,170
CDE 19	500		10,746		—		10,922		10,922		—		1		—		4,191		4,192
CDE 20	625		12,500		—		12,219		12,219		—		1		—		4,875		4,876
CDE 21	625		12,500		—		12,271		12,271		—		1		—		4,875		4,876
Total	$	5,850	$	149,000	$	14,186	$	103,414	$	117,600	$	13,000	$	408	$	—	$	50,310	$	63,718

Regulatory Capital Position

The Bank must satisfy minimum capital standards established by the OCC. For a description of the OCC capital regulation, see “Item 1-Regulation and Supervision-Federal Banking Regulation-Capital Requirements.”

At March 31, 2015, the Bank had a common equity Tier 1 ratio, Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratio of 15.10%, 10.85%, 15.10% and 16.78%, respectively. For additional information regarding Carver Federal's Regulatory Capital and Ratios, refer to Note 11 of Notes to Consolidated Financial Statements, “Stockholders' Equity.”

Impact of Inflation and Changing Prices

The financial statements and accompanying notes appearing elsewhere herein have been prepared in accordance with GAAP, which require the measurement of financial position and operating results in terms of historical dollars without considering the changes in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in the increased cost of Carver Federal's operations. Unlike most industrial companies, nearly all the assets and liabilities of the Bank are monetary in nature. As a result, interest rates have a greater impact on Carver Federal's performance than do the effects of the general level of inflation. Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.

Recently Issued but not yet Adopted Accounting Standards

In January 2014, the FASB issued ASU No. 2014-04, "Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The amendments clarify when an in-substance repossession or foreclosure occurs, and require disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for annual periods, and interim periods within annual periods beginning after December 15, 2015. The adoption of ASU 2014-04 is not expected to have a material impact on the Company's consolidated statement of financial condition or results of operations. At March 31, 2015, Carver had 11 loans secured by one-to-four family residential real estate in the process of foreclosure for a total outstanding balance of $1.9 million.


ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

Not Applicable.


ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

Report of Independent Registered Public Accounting Firm

The Board of Directors

Carver Bancorp, Inc.

We have audited the accompanying consolidated statements of financial condition of Carver Bancorp, Inc. and subsidiaries (the Company) as of March 31, 2015 and 2014, and the related consolidated statements of operations, comprehensive income (loss), changes in equity, and cash flows for each of the years in the two-year period ended March 31, 2015. These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.

We conducted our audits in accordance with auditing standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Carver Bancorp, Inc. and subsidiaries as of March 31, 2015 and 2014, and the results of their operations and their cash flows for each of the years in the two-year period ended March 31, 2015, in conformity with U.S. generally accepted accounting principles.

New York, New York

June 29, 2015



CARVER BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

$ in thousands except per share data	March 31, 2015			March 31, 2014
ASSETS
Cash and cash equivalents:
Cash and due from banks	$	44,864		$	115,239
Money market investments	6,128			7,315
Total cash and cash equivalents	50,992			122,554
Restricted cash	6,354			6,354
Investment securities:
Available-for-sale, at fair value	101,185			89,461
Held-to-maturity, at amortized cost (fair value of $12,231 and $8,971 at March 31, 2015 and March 31, 2014, respectively)	11,922			9,029
Total investments	113,107			98,490

Loans held-for-sale (“HFS”)	2,576			5,011

Loans receivable:
Real estate mortgage loans	412,204			362,888
Commercial business loans	70,555			26,930
Consumer loans	434			138
Loans, net	483,193			389,956
Allowance for loan losses	(4,477		)	(7,233		)
Total loans receivable, net	478,716			382,723
Premises and equipment, net	7,075			7,830
Federal Home Loan Bank of New York (“FHLB-NY”) stock, at cost	3,519			3,101
Accrued interest receivable	2,781			2,557
Other assets	11,266			11,218
Total assets	$	676,386		$	639,838

LIABILITIES AND EQUITY
LIABILITIES
Deposits:
Savings	$	95,009		$	98,051
Non-interest bearing checking	50,731			53,232
Interest-bearing checking	30,860			24,271
Money market	148,702			127,655
Certificates of deposit	202,459			206,157
Total deposits	527,761			509,366
Advances from the FHLB-NY and other borrowed money	83,403			70,403
Other liabilities	10,243			8,900
Total liabilities	$	621,407		$	588,669
EQUITY
Preferred stock (par value $0.01 per share: 45,118 Series D shares, with a liquidation preference of $1,000 per share, issued and outstanding)	45,118			45,118
Common stock (par value $0.01 per share: 10,000,000 shares authorized; 3,698,031 and 3,697,836 shares issued; 3,696,087 and 3,695,892 shares outstanding at March 31, 2015 and March 31, 2014, respectively)	61			61
Additional paid-in capital	55,468			56,114
Accumulated deficit	(44,206		)	(44,570		)
Treasury stock, at cost (1,944 shares at March 31, 2015 and March 31, 2014)	(417		)	(417		)
Accumulated other comprehensive loss	(1,045		)	(4,768		)
Total equity attributable to Carver Bancorp, Inc.	54,979			51,538
Non-controlling interest	—			(369		)
Total equity	54,979			51,169
Total liabilities and equity	$	676,386		$	639,838

See accompanying notes to consolidated financial statements



CARVER BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS

	Years Ended March 31,
$ in thousands except per share data	2015			2014
Interest income:
Loans	$	19,974		$	20,734
Mortgage-backed securities	799			1,034
Investment securities	1,339			1,321
Money market investments	215			159
Total interest income	22,327			23,248

Interest expense:
Deposits	2,853			2,797
Advances and other borrowed money	1,089			1,154
Total interest expense	3,942			3,951
Net interest income	18,385			19,297
Recovery of loan losses	(3,010		)	(426		)
Net interest income after recovery of loan losses	21,395			19,723

Non-interest income:
Depository fees and charges	3,595			3,452
Loan fees and service charges	708			970
Gain on sale of securities, net	8			552
Gain (loss) on sale of loans, net	(2		)	1,319
Gain (loss) on real estate owned, net	5			(257		)
Lower of cost or market adjustment on loans held-for-sale	(28		)	(231		)
Other	1,282			1,001
Total non-interest income	5,568			6,806

Non-interest expense:
Employee compensation and benefits	11,588			11,802
Net occupancy expense	3,839			4,039
Equipment, net	900			983
Data processing	733			1,072
Consulting fees	952			506
Federal deposit insurance premiums	603			1,236
Other	8,099			7,735
Total non-interest expense	26,714			27,373

Income (loss) before income taxes	249			(844		)
Income tax expense	166			102
Consolidated net income (loss)	83			(946		)
Less: Net loss attributable to non-controlling interest	(281		)	(110		)
Net income (loss) attributable to Carver Bancorp, Inc.	$	364		$	(836	)

Earnings (loss) per common share:
Basic	$	0.10		$	(0.23	)
Diluted	$	0.10		$	(0.23	)

See accompanying notes to consolidated financial statements



CARVER BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

	Years Ended March 31,
$ in thousands	2015		2014
Net income (loss) attributable to Carver Bancorp, Inc.	$	364	$	(836	)

Other comprehensive income (loss), net of tax:
Change in unrealized gain (loss) of securities available-for-sale	3,731		(5,282		)
Change in pension obligations	—		71
Less: Reclassification adjustment for sales of available-for-sale securities, net of tax	8		552
Reclassification adjustment for termination of pension plan, net of tax	—		(1,148		)
Total other comprehensive income (loss), net of tax	3,723		(4,615		)

Total comprehensive income (loss), net of tax attributable to Carver Bancorp, Inc.	$	4,087	$	(5,451	)



CARVER BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY

$ in thousands	Preferred Stock		Common Stock		Additional Paid-In Capital			Accumulated Deficit			Treasury Stock			Accumulated Other Comprehensive Income (Loss)			Non-Controlling Interest			Total Equity
Balance—March 31, 2013	45,118		61		55,708			(44,439		)	(417		)	563			141			56,735
Pension plan adjustment ⁽¹⁾	—		—		—			716			—			(716		)	—			—
Net loss	—		—		—			$	(836	)	—			—			—			(836		)
Other comprehensive income, net of tax	—		—		—			—			—			(4,615		)	—			(4,615		)
Transfer between non-controlling and controlling interest	—		—		400			—			—			—			(400		)	—
Net loss attributable to non-controlling interest	—		—		—			—			—			—			(110		)	(110		)
Treasury stock activity	—		—		6			(11		)	—			—			—			(5		)
Balance—March 31, 2014	45,118		61		56,114			(44,570		)	(417		)	(4,768		)	(369		)	51,169
Net income	—		—		—			364			—			—			—			364
Other comprehensive loss, net of tax	—		—		—			—			—			3,723			—			3,723
Transfer of ownership from non-controlling interest ⁽²⁾	—		—		(650		)	—			—			—			650			—
Net loss attributable to non-controlling interest	—		—		—			—			—			—			(281		)	(281		)
Stock based compensation expense	—		—		4			—			—			—			—			4
Balance—March 31, 2015	$	45,118	$	61	$	55,468		$	(44,206	)	$	(417	)	$	(1,045	)	$	—		$	54,979

⁽¹⁾ Adjustment reflected within total equity relating to the accounting for pension plans under ASC 715-30. Refer to notes 1, 13 and 18 for further detail.

⁽²⁾ Carrying amount of non-controlling interest adjusted to reflect the transfer of ownership interest under ASC 810.

See accompanying notes to consolidated financial statements



CARVER BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

$ in thousands	2015			2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss) before attribution of non-controlling interest	$	83		$	(946	)
Net loss attributable to non-controlling interest, net of taxes	(281		)	(110		)
Net income (loss) attributable to Carver Bancorp, Inc.	364			(836		)

Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Recovery of loan losses	(3,010		)	(426		)
Pension plan termination cost	—			1,148
Stock based compensation expense	2			2
Depreciation and amortization expense	1,052			1,079
Market adjustment on real estate owned	(216		)	—
Gain (loss) on real estate owned	(5		)	257
Gain on sale of securities, net	(8		)	(552		)
(Loss) gain on sale of loans, net	2			(1,319		)
Market adjustment on held-for-sale loans	28			231
Amortization and accretion of loan premiums and discounts and deferred charges, net	(1,216		)	(2,280		)
Amortization and accretion of premiums and discounts - securities, net	223			(176		)
Proceeds from sale of loans held-for-sale	—			21,614
Assets repurchased from third parties	(174		)	(2,116		)
Increase in accrued interest receivable	(224		)	(310		)
(Increase) decrease in other assets	4,872			(207		)
(Decrease) increase in other liabilities	2,143			(563		)
Net cash provided by operating activities	3,833			15,546
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities: Available-for-sale	(28,200		)	(35,180		)
Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale	16,209			51,592
Proceeds from principal payments, maturities and calls of securities: Held-to-maturity	886			5,105
Originations of loans held-for-investment	(66,783		)	(68,450		)
Loans purchased from third parties	(87,292		)	(54,459		)
Principal collections on loans	59,097			89,570
Proceeds on sale of loans	—			398
Decrease (increase) in restricted cash	—			4,311
Redemption (purchase) of FHLB-NY stock	(418		)	402
Purchase of premises and equipment	(289		)	(305		)
Proceeds from sale of real estate owned	—			1,727
Net cash used in provided by investing activities	(106,790		)	(5,289		)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	18,395			13,651
Net increase (decrease) in FHLB-NY advances and other borrowings	13,000			(6,000		)
Net cash provided by (used in) financing activities	31,395			7,651
Net (decrease) increase in cash and cash equivalents	(71,562		)	17,908
Cash and cash equivalents at beginning of period	122,554			104,646
Cash and cash equivalents at end of period	$	50,992		$	122,554

Supplemental cash flow information:
Noncash financing and investing activities
Transfer of loans held-for-investment to loans held-for-sale	$	—		$	12,717
Transfer into real estate owned	$	2,775		$	954

Cash paid for:
Interest	$	3,474		$	3,576
Income taxes	$	161		$	130

See accompanying notes to consolidated financial statements

CARVER BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


NOTE 1.	ORGANIZATION

Nature of operations

Carver Bancorp, Inc. (on a stand-alone basis, the “Company” or “Registrant”), was incorporated in May 1996 and its principal wholly owned subsidiaries are Carver Federal Savings Bank (the “Bank” or “Carver Federal”) and Alhambra Holding Corp., an inactive Delaware corporation. Carver Federal's wholly owned subsidiaries are CFSB Realty Corp., Carver Community Development Corporation (“CCDC”) and CFSB Credit Corp., which is currently inactive. The Bank has a majority-owned interest in Carver Asset Corporation, a real estate investment trust formed in February 2004.

“Carver,” the “Company,” “we,” “us” or “our” refers to the Company along with its consolidated subsidiaries. The Bank was chartered in 1948 and began operations in 1949 as Carver Federal Savings and Loan Association, a federally-chartered mutual savings and loan association. The Bank converted to a federal savings bank in 1986. On October 24, 1994, the Bank converted from a mutual holding company structure to stock form and issued 2,314,375 shares of its common stock, par value $0.01 per share. On October 17, 1996, the Bank completed its reorganization into a holding company structure (the “Reorganization”) and became a wholly owned subsidiary of the Company.

In September 2003, the Company formed Carver Statutory Trust I (the “Trust”) for the sole purpose of issuing trust preferred securities and investing the proceeds in an equivalent amount of floating rate junior subordinated debentures of the Company. In accordance with Accounting Standards Codification (“ASC”) 810, “Consolidations,” Carver Statutory Trust I is unconsolidated for financial reporting purposes.

Carver Federal’s principal business consists of attracting deposit accounts through its branches and investing those funds in mortgage loans and other investments permitted by federal savings banks. The Bank has ten branches located throughout the City of New York that primarily serve the communities in which they operate.

On February 7, 2011, Carver Federal Savings Bank and Carver Bancorp, Inc. consented to enter into Cease and Desist Orders (the "Bank Order" and the “Company Order,” respectively, and together the "Orders") with the Office of Thrift Supervision ("OTS"). The OTS issued these Orders based upon its findings that the Company was operating with an inadequate level of capital for the volume, type and quality of assets held by the Company, that it was operating with an excessive level of adversely classified assets, and earnings inadequate to augment its capital. Effective July 21, 2011, supervisory authority for the Company Order passed to the Board of Governors of the Federal Reserve System and supervisory authority for the Bank Order passed to the Office of the Comptroller of the Currency ("OCC"). On November 3, 2014, the OCC notified the Bank that the OCC had determined that the Bank had satisfied all of the requirements of the Bank Order and directed that the Bank Order be terminated. In addition, the OCC notified the Bank that the OCC had determined that the Bank was no longer in "troubled condition" and was relieved of all prior conditions imposed on the Bank by the OTS as a result of its troubled condition designation. The Company Order has not been terminated.

On June 29, 2011, the Company raised $55 million of capital by issuing 55,000 shares of mandatorily convertible non-voting participating preferred stock, Series C (the "Series C preferred stock"). The issuance resulted in a $51.4 million increase in equity after considering the effect of various expenses associated with the capital raise. The capital raise enabled the Company to make a capital injection of $37 million in the Bank on June 30, 2011. In December 2011, another $7 million capital injection was made in the Bank. The remainder of the net capital raised is retained by the Company for future strategic purposes or to downstream into the Bank, if necessary. No assurances can be given that the amount of capital raised is sufficient to absorb the expected losses in the Bank's loan portfolio. Should the losses be greater than expected, additional capital may be necessary in the future.

On October 25, 2011, Carver's stockholders voted to approve a 1-for-15 reverse stock split. A separate vote of approval was given to convert the Series C preferred stock to non-cumulative non-voting participating preferred stock, Series D ("the Series D preferred stock") and to common stock and to exchange the U.S. Treasury's ("Treasury") Community Development Capital Initiative ("CDCI") Series B preferred stock for common stock.

On October 27, 2011, the 1-for-15 reverse stock split was effected, which reduced the number of outstanding shares of common stock from 2,492,415 to 166,161.

On October 28, 2011, the Treasury exchanged the CDCI Series B preferred stock for 2,321,286 shares of Carver common stock and the Series C preferred stock converted into 1,208,039 shares of Carver common stock and 45,118 shares of Series D preferred stock.

Revisions

Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter results reported in the Form 10-K for the year ended March 31, 2014. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30 in the March 31, 2014 Form 10-K. Management determined that financial statements were not materially misstated as a result of these adjustments and, as such, concluded it was appropriate to adjust for these items in the March 31, 2014 Form 10-K rather than restating the December 31, 2013 Form 10-Q. Refer to note 18 for further detail on the the Company's unaudited quarterly financial data.


NOTE 2.	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of consolidated financial statement presentation

The consolidated financial statements include the accounts of the Company, the Bank and the Bank's wholly owned or majority-owned subsidiaries, Carver Asset Corporation, CFSB Realty Corp., CCDC, and CFSB Credit Corp. All significant intercompany accounts and transactions have been eliminated in consolidation.

The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (GAAP). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated statement of financial condition and revenues and expenses for the period then ended. Amounts subject to significant estimates and assumptions are items such as the allowance for loan losses, valuation of real estate owned, realization of deferred tax assets, and the fair value of financial instruments. While management uses available information to recognize losses on loans, future additions to the allowance for loan losses or future writedowns of real estate owned may be necessary based on changes in economic conditions in the areas where Carver Federal has extended mortgages and other credit instruments. Actual results could differ significantly from those assumptions. Current market conditions increase the risk and complexity of the judgments in these estimates.

In addition, the OCC, Carver Federal's regulator, as an integral part of its examination process, periodically reviews Carver Federal's allowance for loan losses and, if applicable, real estate owned valuations. The OCC may require Carver Federal to recognize additions to the allowance for loan losses or additional writedowns of real estate owned based on their judgments about information available to them at the time of their examination.

In addition, no assurances can be given that the Company will continue to comply with all provisions of the Order. Failure to comply with these provisions could result in further regulatory actions to be taken by the regulators.

Cash and cash equivalents

For the purpose of reporting cash flows, cash and cash equivalents include cash, amounts due from depository institutions, federal funds sold and other short-term instruments with original maturities of three months or less. Federal funds sold are generally sold for one-day periods. The amounts due from depository institutions include a non-interest bearing account held at the Federal Reserve Bank where any additional cash reserve required on demand deposits would be maintained. Currently, this reserve requirement is zero since the Bank's vault cash satisfies cash reserve requirements for deposits.

Investment Securities

When purchased, investment securities are designated as either investment securities held-to-maturity, available-for-sale or trading.

Securities are classified as held-to-maturity and carried at amortized cost only if the Bank has a positive intent and ability to hold such securities to maturity. Securities held-to-maturity are carried at cost, adjusted for the amortization of premiums and the accretion of discounts using the level-yield method over the remaining period until maturity.

If not classified as held-to-maturity or trading, securities are classified as available-for-sale based upon management's ability to sell in response to actual or anticipated changes in interest rates, resulting prepayment risk or any other factors. Available-for-sale securities are reported at fair value. Estimated fair values of securities are based on either published or security dealers' market value if available. If quoted or dealer prices are not available, fair value is estimated using quoted or dealer prices for similar securities.

Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and are reported at fair value with unrealized gains and losses included in earnings.

The Company conducts periodic reviews to identify and evaluate each investment that has an unrealized holding loss. Unrealized holding gains or losses for securities available-for-sale are excluded from earnings and reported net of deferred income taxes in accumulated other comprehensive loss, a component of Stockholders' Equity. Following Financial Accounting Standards Board ("FASB") guidance, the amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Bank will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss).

During fiscal years 2015 and 2014, no other-than-temporary impairment charges were recorded. Gains or losses on sales of securities of all classifications are recognized based on the specific identification method.

Loans Held-for-Sale

Loans are only moved to held-for-sale classification upon the determination by Carver to sell a loan. Held-for-sale loans are carried at the lower of cost or market value. The initial charge-off, if any is required, will be taken upon the move to held-for-sale and absorbed through Carver's loan loss reserve. The need for further charge-offs is periodically evaluated if the loan remains classified as held-for-sale for an extended period of time using the valuation methodologies identified below. Any subsequently required charge-off is processed as a mark-to-market adjustment. The valuation methodology for loans held-for-sale varies based upon the circumstances. Held-for-sale values may be based upon accepted offer amounts, appraised value of underlying mortgaged premises, prior loan loss experience of Carver in connection with recent loan sales for the loan type in question, and/or other acceptable valuation methods.

Loans Receivable

Loans receivable are carried at unpaid principal balances plus unamortized premiums, purchase accounting mark-to-market adjustments, certain deferred direct loan origination costs and deferred loan origination fees and discounts, less the allowance for loan losses and charge-offs.

The Bank defers loan origination fees and certain direct loan origination costs and amortizes or accretes such amounts as an adjustment of yield over the contractual lives of the related loans using methodologies which approximate the interest method. Premiums and discounts on loans purchased are amortized or accreted as an adjustment of yield over the contractual lives of the related loans, adjusted for prepayments when applicable, using methodologies which approximate the interest method.

Loans are placed on nonaccrual status when they are past due 90 days or more as to contractual obligations or when other circumstances indicate that collection is not probable. When a loan is placed on nonaccrual status, any interest accrued but not received is reversed against interest income. Payments received on a nonaccrual loan are either applied to protective advances, the outstanding principal balance or recorded as interest income, depending on an assessment of the ability to collect the loan. A nonaccrual loan is restored to accrual status when principal and interest payments become less than 90 days past due and its future collectability is reasonably assured.

If the Bank determines that there is an impairment dollar amount, the Bank next determines whether the amount of impairment is permanent. The amount of impairment determined to be permanent is charged off within the given fiscal quarter. All other amounts are recorded as a specific valuation allowance (“SVA”) reserve. Generally the amount of the loan and negative escrow in excess of the appraised value, for the fair value of collateral valuation method, is determined to be permanent and charged off. The amount attributable to the expected cost to sell, is recorded as a specific valuation allowance. In the event the

Bank is using the collateral dependent determination for the dollar amount of impairment and the Bank does not have an accepted appraisal (for example, the Bank may utilize a broker’s price opinion), the Bank generally will treat all dollar amounts identified as impaired to be other than a permanent impairment and the full impaired amount will be recorded as a specific valuation allowance. For impairment amounts calculated utilizing the present value of expected future cash flows, the dollar amount of impairment is recorded as a specific valuation allowance.

Allowance for Loan and Lease Losses ("ALLL")

General Reserve Allowance


•	1-4 Family


•	Multifamily


•	Commercial Real Estate


•	Construction


•	Business Loans


•	SBA Loans


•	Other (Consumer and Overdraft Accounts)

The pools are further segregated into the following risk rating classes:


•	Pass


•	Special Mention


•	Substandard


•	Doubtful

The Bank next applies to each pool a risk factor that determines the level of general reserves for the specific pool. The Bank estimates its historical charge-offs via a lookback analysis. The actual historical loss experience by major loan category is expressed as a percentage of the outstanding balance of all loans within the category. As the loss experience for a particular loan category increases or decreases, the level of reserves required for that particular loan category also increases or decreases. The Bank’s historical charge-off rate reflects the period over which the charge-offs were confirmed and recognized, not the period over which the earlier losses occurred. That is, the charge-off rate measures the confirmation of losses over a period that occurs after the earlier actual losses. During the period between the loss-causing events and the eventual confirmations of losses, conditions may have changed. There is always a time lag between the period over which average charge-off rates are calculated and the date of the financial statements. During that period, conditions may have changed. Another factor influencing the General Reserve is the Bank’s Loss Emergence Period (LEP) assumptions which represent the Bank’s estimate of the average amount of time from the point at which a loss is incurred to the point at which the loss is confirmed, either through the identification of the loss or a charge-off. The Bank generally considers coverage of one year’s losses an appropriate benchmark for most pools of loans because the probable loss on any given pool should ordinarily become apparent in that time frame. In some instances, the Bank may be able, however, to demonstrate a reliance on an LEP less than 12 months coverage based upon adequate management

information systems and effective methodologies for estimating losses. However, in some instances, such as in its Commercial Real Estate, Multifamily and Business segments the Bank demonstrates a reliance on a LEP in excess of 12 months. The Bank also recognizes losses in accordance with regulatory charge-off criteria.

Because actual loss experience may not adequately predict the level of losses inherent in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be adjusted based upon any of those factors. As the risk ratings worsen, some of the qualitative factors tend to increase. The nine qualitative factors the Bank considers and may utilize are:


1.	Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (Policy & Procedures).


2.	Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments (Economy).


3.	Changes in the nature or volume of the loan portfolio and in the terms of loans (Nature & Volume).


4.	Changes in the experience, ability, and depth of lending management and other relevant staff (Management).


5.	Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (Problem Assets).


6.	Changes in the quality of the loan review system (Loan Review).


7.	Changes in the value of underlying collateral for collateral dependent loans (Collateral Values).


8.	The existence and effect of any concentrations of credit and changes in the level of such concentrations (Concentrations).


9.	The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (External Forces).

Specific Reserve Allowance

1.The present value of expected future cash flows discounted at the loan's effective interest rate,

2.The loan's observable market price; or

3.The fair value of the collateral if the loan is collateral dependent.

If the loan is determined to be not impaired, it is then placed in the appropriate pool of criticized and classified loans to be evaluated collectively for impairment. Loans determined to be impaired are evaluated to determine the amount of impairment based on one of the three measurement methods noted above. The Bank then determines whether the impairment amount is permanent, in which case the loan is written down by the amount of the impairment, or if it is other than permanent, in which case the Bank establishes a specific valuation reserve that is included in the total ALLL. In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.

Troubled Debt Restructured Loans

loan, the Bank records an impairment charge when the current estimated fair value of the property that collateralizes the impaired loan, if any, is less than the recorded investment in the loan. TDR loans remain on nonaccrual status until they have performed in accordance with the restructured terms for a period of at least six months.

Representation and Warranty Reserve

During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”). The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSEs). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.

Management has established a representation and warranty reserve for losses associated with the repurchase of mortgage loans sold by the Bank to FNMA that we consider to be both probable and reasonably estimable. These reserves are reported in our consolidated statement of financial condition as a component of other liabilities. The calculation of the reserve is based on estimates, which are uncertain, and require the application of judgment. In establishing the reserves, we consider a variety of factors, including those loans that are under review by FNMA that have not yet received a repurchase request. The Bank tracks the FNMA claims monthly and evaluates the reserve on a quarterly basis.

Segment Reporting

The Company has determined that all of its activities constitute one reportable operating segment.

Concentration of Risk

The Bank's principal lending activities are concentrated in loans secured by real estate, a substantial portion of which is located in New York City. Accordingly, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in New York's real estate market conditions.

Office Properties and Equipment

Office properties and equipment are comprised of land, at cost, and buildings, building improvements, furnishings and equipment and leasehold improvements, at cost less accumulated depreciation and amortization. Depreciation and amortization charges are computed using the straight-line method over the following estimated useful lives:



Buildings and improvements	10 to 25 years
Furnishings and equipment	3 to 5 years
Leasehold improvements	Lesser of useful life or remaining term of lease

Maintenance, repairs and minor improvements are charged to non-interest expense in the period incurred.

Federal Home Loan Bank Stock

The FHLB-NY has assigned to the Bank a mandated membership stock purchase, based on the Bank's asset size. In addition, for all borrowing activity, the Bank is required to purchase shares of FHLB-NY non-marketable capital stock at par. Such shares are redeemed by FHLB-NY at par with reductions in the Bank's borrowing levels. On a quarterly basis, these shares are evaluated for other-than-temporary impairment. We do not consider these shares to be other-than-temporarily impaired at March 31, 2015. The Bank carries this investment at historical cost.

Mortgage Servicing Rights

All separately recognized servicing assets are included in Other Assets and measured at fair value.

Real Estate Owned

Real estate acquired by foreclosure or deed in lieu of foreclosure is recorded at the lower of loan carrying amount or the fair value at the date of acquisition less estimated selling costs. At the time of origination of the real estate owned, the real property value is adjusted to its current fair value. Any subsequent adjustments will be to the lower of cost or market. The fair value of such assets is determined based primarily upon independent appraisals and other relevant factors. The amounts ultimately recoverable from real estate owned could differ from the net carrying value of these properties because of economic conditions. Costs incurred to improve properties or prepare them for sale are capitalized. Revenues and expenses related to the holding and operating of properties are recognized in operations as earned or incurred. Gains or losses on sale of properties are recognized as incurred.

Income Taxes

The Company records income taxes in accordance with ASC 740 “Income Taxes,” as amended, using the asset and liability method. Income tax expense (benefit) consists of income taxes currently payable (receivable) and deferred income taxes. Temporary differences between the basis of assets and liabilities for financial reporting and tax purposes are measured as of the balance sheet date. Deferred tax liabilities or recognizable deferred tax assets are calculated on such differences, using current statutory rates, which result in future taxable or deductible amounts. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Where applicable, deferred tax assets are reduced by a valuation allowance for any portion determined not likely to be realized. Generally, this valuation allowance would subsequently be adjusted by a charge or credit to income tax expense as changes in facts and circumstances warrant. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Any interest expense or penalties would be recorded as interest expense.

Earnings (Loss) per Common Share

Basic earnings (loss) per share (“EPS”) is computed by dividing income (loss) available to common stockholders by the weighted average number of common shares outstanding. Diluted earnings per common share includes any additional common shares as if all potentially dilutive common shares were issued (for instance, stock options with an exercise price that is less than the average market price of the common shares for the periods stated).

Preferred and Common Dividends

The Company is prohibited from paying any dividends without prior regulatory approval pursuant to the terms of the Cease and Desist Orders to which it is subject, and is generally subject to regulations governing the payment of dividends. See Item 1 - Business - Regulation and Supervision - Cease and Desist Orders and - Capital and Liquidity. As previously disclosed in a Form 8-K filed with the SEC on October 29, 2010, the Company's Board of Directors announced that based on highly uncertain economic conditions and the desire to preserve capital, the Company had suspended payment of the quarterly cash dividend on its common stock. There are no assurances that the payments of common stock dividends will resume.

Treasury Stock

Treasury stock is recorded at cost and is presented as a reduction of stockholders' equity.

Pension Plans

The Company's pension obligations, and the related costs, are calculated using actuarial concepts within the framework of the FASB guidance. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected return on plan assets. The Company evaluates these critical assumptions on an annual basis. Other factors considered by the Company include retirement patterns, mortality, and turnover.

Actuarial gain and losses, prior services cost or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in accumulated other comprehensive income (loss), net of tax effects, until they are amortized as a component of net of periodic benefit cost. In addition, the measurement date (i.e., the date at which plan assets and the benefit obligation are measured for financial reporting purposes) is required to be the company's fiscal year-end.

NMTC fee income

The fee income the Company receives related to the transfers of its New Market Tax Credits varies with each transaction but all are similar in nature. There are two basic types of fees associated with these transactions. The first is a “sub-allocation fee” that is paid to CCDC when the tax credits are allocated to a subsidiary entity at the time a qualified equity investment is made. This fee is recognized by the Company at the time of allocation. The second type of fee is paid to cover the administrative and servicing costs associated with CCDC's compliance with NMTC reporting requirements. This fee is recognized as the services are rendered.

Reclassifications

Certain amounts in the consolidated financial statements presented for prior years have been reclassified to conform to the current year presentation.

Impact of Recent Accounting Standards Not Yet Adopted


NOTE 3.	INVESTMENT SECURITIES

The Bank utilizes mortgage-backed and other investment securities in its asset/liability management strategy. In making investment decisions, the Bank considers, among other things, its yield and interest rate objectives, its interest rate and credit risk position, and its liquidity and cash flow.

Generally, the investment policy of the Bank is to invest funds among categories of investments and maturities based upon the Bank’s asset/liability management policies, investment quality, loan and deposit volume and collateral requirements, liquidity needs and performance objectives. ASC 320-10-25 requires that securities be classified into three categories: trading, held-to-maturity, and available-for-sale. At March 31, 2015, $101.2 million, or 89.5%, of the Bank’s mortgage-backed and other investment securities were classified as available-for-sale, and the remaining $11.9 million, or 10.5%, were classified as held-to-maturity. The Bank had no securities classified as trading at March 31, 2015.

The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at March 31, 2015:



	Amortized		Gross Unrealized					Estimated
$ in thousands	Cost		Gains		Losses			Fair-Value
Available-for-Sale:
Mortgage-backed securities:
Government National Mortgage Association	$	5,575	$	9	$	(57	)	$	5,527
Federal Home Loan Mortgage Corporation	10,705		10		(127		)	10,588
Federal National Mortgage Association	10,925		35		(103		)	10,857
Other	47		—		—			47
Total mortgage-backed securities	27,252		54		(287		)	27,019
U.S. Government Agency Securities	58,464		48		(662		)	57,850
Other investments	16,514		—		(198		)	16,316
Total available-for-sale	102,230		102		(1,147		)	101,185
Held-to-Maturity:
Mortgage-backed securities:
Government National Mortgage Association	3,100		232		—			3,332
Federal National Mortgage Association	8,655		77		—			8,732
Total held-to-maturity mortgage-backed securities	11,755		309		—			12,064
Other investments	167		—		—			167
Total held-to-maturity	11,922		309		—			12,231
Total securities	$	114,152	$	411	$	(1,147	)	$	113,416

The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at March 31, 2014:



	Amortized		Gross Unrealized					Estimated
$ in thousands	Cost		Gains		Losses			Fair Value
Available-for-Sale:
Mortgage-backed securities:
Government National Mortgage Association	$	5,972	$	—	$	(307	)	$	5,665
Federal Home Loan Mortgage Corporation	12,160		—		(564		)	11,596
Federal National Mortgage Association	10,897		—		(466		)	10,431
Other	49		—		—			49
Total mortgage-backed securities	29,078		—		(1,337		)	27,741
U.S. Government Agency Securities	55,155		—		(2,966		)	52,189
Other investments	10,000		—		(469		)	9,531
Total available-for-sale	94,233		—		(4,772		)	89,461
Held-to-Maturity:
Mortgage-backed securities:
Government National Mortgage Association	3,743		225		—			3,968
Federal National Mortgage Association	5,079		—		(283		)	4,796
Total held-to-maturity mortgage-backed securities	8,822		225		(283		)	8,764
Other investments	207		—		—			207
Total held-to-maturity	9,029		225		(283		)	8,971
Total securities	$	103,262	$	225	$	(5,055	)	$	98,432

The following is a summary regarding proceeds from securities sales of the available-for-sale and held-to-maturity portfolios for the years ended March 31:



$ in thousands	2015		2014		2013
Available-for-Sale:
Proceeds	$	994	$	38,991	$	31,567
Gross gains	8		513		174
Gross losses	—		2		—

Held-to-Maturity:
Proceeds	—		2,814		—
Gross gains	—		43		—
Gross losses	—		2		—

There were no sales of held-to-maturity securities in fiscal years 2015 or 2013. In fiscal 2014, $2.8 million of held-to-maturity securities were sold, generating net gains of $41 thousand. These securities had been classified as matured under ASC Topic 320, as the principal repayments exceeded 85% of the initial principal. The net unrealized loss on available-for-sale securities was $1.0 million at March 31, 2015, compared to $4.8 million at March 31, 2014.

The Bank's investment portfolio is comprised primarily of fixed-rate mortgage-backed securities guaranteed by a Government Sponsored Enterprise (“GSE”) as issuer and Agency securities. Carver maintains a portfolio of mortgage-backed securities in the form of Government National Mortgage Association (“GNMA”) pass-through certificates, Federal National Mortgage Association (“FNMA”) and Federal Home Loan Mortgage Corporation (“FHLMC”) participation certificates. GNMA pass-through certificates are guaranteed as to the payment of principal and interest by the full faith and credit of the United States Government, while FNMA and FHLMC certificates are each guaranteed by their respective agencies as to principal and interest. Based on the high quality of the Bank's investment portfolio, current market conditions have not significantly impacted the pricing of the portfolio or the Bank's ability to obtain reliable prices.

At March 31, 2015 the Bank pledged securities of $42.2 million as collateral for advances from the FHLB-NY.

The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at March 31, 2015 for less than 12 months and 12 months or longer:



	Less than 12 months					12 months or longer					Total
$ in thousands	Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value
Available-for-Sale:
Mortgage-backed securities	$	—		$	—	$	(287	)	$	22,297	$	(287	)	$	22,297
U.S. Government Agency Securities	(57		)	12,943		(605		)	26,400		(662		)	39,343
Other investments ⁽¹⁾	—			—		(198		)	9,802		(198		)	9,802
Total available-for-sale securities	(57		)	12,943		(1,090		)	58,499		(1,147		)	71,442
Total securities	$	(57	)	$	12,943	$	(1,090	)	$	58,499	$	(1,147	)	$	71,442

The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at March 31, 2014 for less than 12 months and 12 months or longer:



	Less than 12 months					12 months or longer					Total
$ in thousands	Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value
Available-for-Sale:
Mortgage-backed securities	$	(322	)	$	7,569	$	(1,015	)	$	20,123	$	(1,337	)	$	27,692
U.S. Government Agency Securities	(1,646		)	34,074		(1,320		)	18,115		(2,966		)	52,189
Other investments ⁽¹⁾	(469		)	9,531		—			—		(469		)	9,531
Total available-for-sale securities	(2,437		)	51,174		(2,335		)	38,238		(4,772		)	89,412

Held-to-Maturity:
Mortgage-backed securities	(283		)	4,796		—			—		(283		)	4,796
Total held-to-maturity securities	(283		)	4,796		—			—		(283		)	4,796
Total securities	$	(2,720	)	$	55,970	$	(2,335	)	$	38,238	$	(5,055	)	$	94,208

⁽¹⁾CRA fund comprised of over 95% agency securities

A total of 23 securities had an unrealized loss at March 31, 2015 compared to 34 at March 31, 2014. The majority of the securities in an unrealized loss position were U.S. Government Agency securities and mortgage-backed securities, representing 68.8% and 31.2% of total securities in an unrealized loss position at March 31, 2015. There were eight mortgage-backed securities and ten U.S. Government Agency securities in an unrealized loss position that had an unrealized loss for more than 12 months at March 31, 2015. The cause of the temporary impairment is directly related to changes in interest rates. In general, as interest rates decline, the fair value of securities will rise, and conversely as interest rates rise, the fair value of securities will decline. Management considers fluctuations in fair value as a result of interest rate changes to be temporary, which is consistent with the Bank's experience. The impairments are deemed temporary based on the direct relationship of the rise in fair value to movements in interest rates, the life of the investments and their high credit quality. Given the high credit quality of the securities which are backed by the U.S. government's guarantees, the risk of credit loss is minimal. Management believes that these unrealized losses are a direct result of the current rate environment and has the ability and intent to hold the securities until maturity or the valuation recovers.

The amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Company will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss). At March 31, 2015 and 2014, the Bank does not have any securities that are classified as having other-than-temporary impairment in its investment portfolio.

The following is a summary of the carrying value (amortized cost) and fair value of securities at March 31, 2015, by remaining period to contractual maturity (ignoring earlier call dates, if any). Actual maturities may differ from contractual maturities because certain security issuers have the right to call or prepay their obligations. The table below does not consider the effects of possible prepayments or unscheduled repayments.



$ in thousands	Amortized Cost		Fair Value		Weighted Average Yield
Available-for-Sale:
Less than one year	$	5,533	$	5,533	0.25	%
One through five years	16,481		16,483		1.28	%
Five through ten years	27,711		27,394		1.87	%
After ten years	52,505		51,775		1.6	%
	102,230		101,185		1.55	%
Held-to-maturity:
Five through ten years	6,347		6,453		2.62	%
After ten years	5,575		5,778		2.70	%
	$	11,922	$	12,231	2.66	%


NOTE 4.	LOANS RECEIVABLE, NET

The following is a summary of loans receivable, net of allowance for loan losses, and loans held-for-sale at March 31:



	March 31, 2015					March 31, 2014
$ in thousands	Amount			%		Amount			%
Gross loans receivable:
One-to-four family	$	125,020		26	%	$	111,220		29	%
Multifamily	93,780			19	%	47,399			12	%
Commercial real estate	186,443			39	%	198,808			51	%
Construction	5,107			1	%	5,100			1	%
Business	70,679			15	%	27,149			7	%
Consumer ⁽¹⁾	434			—	%	138			—	%
Total loans receivable	481,463			100	%	389,814			100	%

Add:
Premium on loans	2,233					957
Less:
Deferred fees and loan discounts, net	(503		)			(815		)
Allowance for loan losses	(4,477		)			(7,233		)
Total loans receivable, net	$	478,716				$	382,723

Loans held-for-sale	$	2,576				$	5,011


⁽¹⁾	Includes personal loans

Substantially all of the Bank's real estate loans receivable are principally secured by properties located in New York City. Accordingly, as with most financial institutions in the market area, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in market conditions in this area.

Mortgage loan portfolios serviced for Federal National Mortgage Association (“FNMA”) and other third parties are not included in the accompanying consolidated financial statements. The unpaid principal balances of these loans aggregated $30.6 million, $33.6 million and $37.4 million at March 31, 2015, 2014, and 2013, respectively.

At March 31, 2015 the Bank pledged $58.4 million in total mortgage loans as collateral for advances from the FHLB-NY.

The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2015:



$ in thousands	One-to-four family			Multifamily		Commercial Real Estate			Construction		Business			Consumer		Total
Allowance for loan losses:
Beginning Balance	$	3,377		$	308	$	1,835		$	—	$	1,705		$	8	$	7,233
Charge-offs	687			—		—			—		320			279		1,286
Recoveries	380			83		256			—		816			5		1,540
Provision for (Recovery of) Loan Losses	(1,081		)	143		(1,062		)	99		(1,388		)	279		(3,010		)
Ending Balance	$	1,989		$	534	$	1,029		$	99	$	813		$	13	$	4,477

Allowance for Loan Losses Ending Balance: collectively evaluated for impairment	1,702			353		953			99		801			13		3,921
Allowance for Loan Losses Ending Balance: individually evaluated for impairment	287			181		76			—		12			—		556

Loan Receivables Ending Balance	$	126,527		$	94,706	$	185,851		$	5,076	$	70,599		$	434	$	483,193
Ending Balance: collectively evaluated for impairment	119,480			93,218		183,230			5,076		65,243			434		466,681
Ending Balance: individually evaluated for impairment	7,047			1,488		2,621			—		5,356			—		16,512

The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2014:



$ in thousands	One-to-four family		Multifamily			Commercial Real Estate			Construction			Business			Consumer			Total
Allowance for loan losses:
Beginning Balance	$	3,496	$	408		$	3,298		$	—		$	3,759		$	28		$	10,989
Charge-offs	2,887		98			574			—			966			15			4,540
Recoveries	534		31			—			149			486			10			1,210
Provision for (Recovery of) Loan Losses	2,234		(33		)	(889		)	(149		)	(1,574		)	(15		)	(426		)
Ending Balance	$	3,377	$	308		$	1,835		$	—		$	1,705		$	8		$	7,233

Allowance for Loan Losses Ending Balance: collectively evaluated for impairment	2,857		216			1,580			—			941			8			5,602
Allowance for Loan Losses Ending Balance: individually evaluated for impairment	520		92			255			—			764			—			1,631

Loan Receivables Ending Balance	$	112,191	$	47,525		$	198,101		$	5,070		$	26,931		$	138		$	389,956
Ending Balance: collectively evaluated for impairment	105,719		45,285			189,317			5,070			21,926			137			367,454
Ending Balance: individually evaluated for impairment	6,472		2,240			8,784			—			5,005			1			22,502

The following is an analysis of the allowance for loan losses for the years ended March 31:



$ in thousands	2015			2014			2013
Balance at beginning of the year	$	7,233		$	10,989		$	19,821
Charge-offs of loans	(1,286		)	(4,540		)	(5,903		)
Recoveries of amounts previously charged off	1,540			1,210			398
Recovery of loan losses	(3,010		)	(426		)	(3,327		)
Balance at end of the year	$	4,477		$	7,233		$	10,989

At March 31, 2015, 2014 and 2013, the recorded investment in impaired loans was $16.5 million, $22.5 million and $31.0 million, respectively. The related allowance for loan losses for these impaired loans was approximately $0.6 million, $1.6 million and $2.3 million at March 31, 2015, 2014 and 2013, respectively. Interest income of $585 thousand, $713 thousand and $3.2 million for fiscal year 2015, 2014 and 2013, respectively, would have been recorded on impaired loans had they performed in accordance with their original terms. At March 31, 2015, 2014 and 2013, there were no loans that were past due 90 days or more and still accruing.

The following is a summary of nonaccrual loans at March 31, 2015 and 2014.



$ in thousands	March 31, 2015		March 31, 2014
Loans accounted for on a nonaccrual basis:
Gross loans receivable:
One-to-four family	$	3,664	$	2,301
Multifamily	1,053		2,240
Commercial real estate	2,817		7,024
Business	861		993
Consumer	—		1
Total nonaccrual loans	$	8,395	$	12,559

Non-performing loans generally consist of loans for which the accrual of interest has been discontinued as a result of such loans becoming 90 days or more delinquent as to principal and/or interest payments. Interest income on non-performing

loans is recorded when received based upon the collectability of the loan. Nonaccrual loans decreased $4.2 million, or 33.2%, to $8.4 million at March 31, 2015 from $12.6 million at March 31, 2014. TDR loans consist of loans where borrowers have been granted concessions in regards to the terms of their loans due to financial or other difficulties, which rendered them unable to repay their loans under the original contractual terms. Total TDR loans at March 31, 2015 were $8.2 million, $3.6 million of which were non-performing as they were either not consistently performing in accordance with their modified terms or not performing in accordance with their modified terms for at least six months. At March 31, 2014, total TDR loans were $9.2 million, of which $3.0 million were non-performing.

At March 31, 2015, other non-performing assets totaled $6.9 million which consists of other real estate owned ("OREO") properties and held-for-sale loans. At March 31, 2015, other real estate owned valued at $4.3 million comprised of ten foreclosed properties, compared to $1.4 million comprised of eight properties at March 31, 2014. At March 31, 2015, held-for-sale loans totaled $2.6 million, compared to $5.0 million at March 31, 2014.

The Bank utilizes an internal loan classification system as a means of reporting problem loans within its loan categories. Loans may be classified as "Pass," “Special Mention,” “Substandard,” “Doubtful,” and “Loss.” Loans rated Pass have demonstrated satisfactory asset quality, earning history, liquidity, and other adequate margins of creditor protection. They represent a moderate credit risk and some degree of financial stability. Loans are considered collectible in full, but perhaps require greater than average amount of loan officer attention. Borrowers are capable of absorbing normal setbacks without failure. Loans rated Special Mention have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Bank's credit position at some future date. Loans rated Substandard are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Loans rated Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, based on currently existing facts, conditions and values, highly questionable and improbable. Loans classified as Loss are those considered uncollectible with insignificant value and are charged off immediately to the allowance for loan losses.

One-to-four family residential loans and consumer and other loans are rated non-performing if they are delinquent in payments ninety or more days, a troubled debt restructuring with less than six months contractual performance or past maturity. All other one-to-four family residential loans and consumer and other loans are performing loans.

As of March 31, 2015, and based on the most recent analysis performed in the current quarter, the risk category by class of loans is as follows:



$ in thousands	Multifamily		Commercial Real Estate		Construction		Business
Credit Risk Profile by Internally Assigned Grade:
Pass	$	93,218	$	181,340	$	5,076	$	62,419
Special Mention	—		1,890		—		1,065
Substandard	1,488		2,621		—		7,115
Doubtful	—		—		—		—
Loss	—		—		—		—
Total	$	94,706	$	185,851	$	5,076	$	70,599

	One-to-four family		Consumer
Credit Risk Profile Based on Payment Activity:
Performing	$	122,689	$	434
Non-Performing	3,838		—
Total	$	126,527	$	434

As of March 31, 2014, and based on the most recent analysis performed, the risk category by class of loans is as follows:



$ in thousands	Multifamily		Commercial Real Estate		Construction		Business
Credit Risk Profile by Internally Assigned Grade:
Pass	$	46,028	$	184,850	$	5,070	$	20,638
Special Mention	—		7,129		—		1,295
Substandard	1,497		6,122		—		4,998
Doubtful	—		—		—		—
Loss	—		—		—		—
Total	$	47,525	$	198,101	$	5,070	$	26,931

	One-to-four family		Consumer
Credit Risk Profile Based on Payment Activity:
Performing	$	109,890	$	137
Non-Performing	2,301		1
Total	$	112,191	$	138

The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2015.



$ in thousands	30-59 Days Past Due		60-89 Days Past Due		90 or More Days Past Due		Total Past Due		Current		Total Financing Receivables
One-to-four family	$	464	$	—	$	3,574	$	4,038	$	122,489	$	126,527
Multifamily	—		434		1,054		1,488		93,218		94,706
Commercial real estate	1,150		936		1,102		3,188		182,663		185,851
Construction	—		—		—		—		5,076		5,076
Business	—		—		123		123		70,476		70,599
Consumer	—		1		—		1		433		434
Total	$	1,614	$	1,371	$	5,853	$	8,838	$	474,355	$	483,193

The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2014.



$ in thousands	30-59 Days Past Due		60-89 Days Past Due		90 or More Days Past Due		Total Past Due		Current		Total Financing Receivables
One-to-four family	$	244	$	888	$	1,863	$	2,995	$	109,196	$	112,191
Multifamily	444		—		2,240		2,684		44,841		47,525
Commercial real estate	3,133		292		3,891		7,316		190,785		198,101
Construction	—		—		—		—		5,070		5,070
Business	—		131		993		1,124		25,807		26,931
Consumer	2		2		1		5		133		138
Total	$	3,823	$	1,313	$	8,988	$	14,124	$	375,832	$	389,956

The following tables present information on impaired loans with the associated allowance amount, if applicable, at March 31, 2015 and 2014. Management determined the specific allowance based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the remaining source of repayment for the loan is the operation or liquidation of the collateral. In those cases, the current fair value of the collateral, less selling costs was used to determine the specific allowance recorded. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.



Impaired Loans by Class

	At March 31,
	2015						2014
$ in thousands	Recorded Investment		Unpaid Principal Balance		Associated Allowance		Recorded Investment		Unpaid Principal Balance		Associated Allowance
With no specific allowance recorded:
One-to-four family	$	2,752	$	3,007	$	—	$	639	$	893	$	—
Multifamily	237		237		—		—		—		—
Commercial real estate	1,880		1,880		—		3,972		4,147		—
Business	4,568		4,652		—		341		402		—
Consumer	—		—		—		1		1		—

With an allowance recorded:
One-to-four family	4,295		4,541		286		5,833		5,958		520
Multifamily	1,251		1,349		181		2,240		2,240		92
Commercial real estate	741		741		76		4,812		5,023		255
Business	788		788		13		4,664		4,664		764
Total	$	16,512	$	17,195	$	556	$	22,502	$	23,328	$	1,631

The following table presents information on average balances on impaired loans and the interest income recognized for the years ended March 31, 2015, 2014 and 2013.



	For the years ended March 31,
	2015				2014				2013
$ in thousands	Average Balance		Interest Income recognized		Average Balance		Interest Income recognized		Average Balance		Interest Income recognized
With no specific allowance recorded:
One-to-four family	$	1,669	$	17	$	1,541	$	12	$	1,215	$	47
Multifamily	222		—		729		17		308		5
Commercial real estate	1,670		83		7,941		227		9,865		235
Construction	—		—		393		—		1,230		53
Business	3,903		215		1,508		14		1,136		41

With an allowance recorded:
One-to-four family	5,158		104		5,290		142		5,363		57
Multifamily	1,255		24		513		—		—		—
Commercial real estate	—		—		3,991		43		6,302		133
Business	855		18		3,899		212		4,932		254
Total	$	14,732	$	461	$	25,805	$	667	$	30,351	$	825

In certain circumstances, loan modifications involve a troubled borrower to whom the Bank may grant a modification. Situations around modifications involving troubled borrowers may include extension of maturity date, reduction in the stated interest rate, rescheduling of future cash flows, reduction in the face amount of the debt or reduction of past accrued interest. In cases where the Bank grants any significant concessions to a troubled borrower, the Bank accounts for the modification as a TDR under ASC Subtopic 310-40 and the related allowance under ASC Section 310-10-35. Loans modified in TDRs are placed on nonaccrual status until the Company determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months.

The following table presents an analysis of those loan modifications that were classified as TDRs during the twelve month periods ended March 31, 2015 and March 31, 2014:



	Modifications to loans during the years ended March 31,
	2015									2014
$ in thousands	Number of loans	Pre-modification outstanding recorded investment		Post-Modification Recorded investment		Pre-Modification rate		Post-Modification rate		Number of loans	Pre-modification outstanding recorded investment		Post-Modification Recorded investment		Pre-Modification rate		Post-Modification rate
One-to-four family	1	43		43		12.00	%	12.00	%	2	747		867		5.51	%	4.69	%
Commercial real estate	1	860		860		6.60	%	6.60	%	—	—		—
Business	2	788		788		8.25	%	8.25	%	1	844		719		6.00	%	6.00	%
Total	4	$	1,691	$	1,691					3	$	1,591	$	1,586

In an effort to proactively manage delinquent loans, Carver has selectively extended to certain borrowers concessions such as extensions, rate reductions or forbearance agreements. For the fiscal year ended March 31, 2015, two loans of $860 thousand and $788 thousand were extended and one loan of $43 thousand was modified with interest rate concessions. For the fiscal year ended March 31, 2014, two loans of $747 thousand were modified with interest rate concessions and one loan of $844 thousand was extended.

There were no loans at March 31, 2015 and March 31, 2014 that had been modified and subsequently defaulted.

For the fiscal year ended March 31, 2015, there were 12 loans in the TDR portfolio totaling $4.6 million that were on accrual status as the Company has determined that the future collection of the principal and interest is reasonably assured. This generally represents those borrowers who have performed according to the restructured terms for a period of at least six months. At March 31, 2014, there were 14 loans in the performing TDR portfolio totaling $6.3 million.

At March 31, 2015, the Bank had one Regulation O loan of $1.5 million to a director. There were no loans to officers or directors of the Company at March 31, 2014.


NOTE 5.	OFFICE PROPERTIES AND EQUIPMENT, NET

The details of office properties and equipment as of March 31 are as follows:



$ in thousands	2015			2014
Land	$	155		$	155
Building and improvements	10,469			8,319
Leasehold improvements	8,064			7,231
Furniture, equipment, and other	12,399			11,724
	31,087			27,429
Less accumulated depreciation and amortization	(24,012		)	(19,599		)
Office properties and equipment, net	$	7,075		$	7,830

Depreciation and amortization charged to operations for fiscal years 2015, 2014 and 2013 amounted to $1.1 million, $1.1 million and $1.2 million, respectively.


NOTE 6.	ACCRUED INTEREST RECEIVABLE

The details of accrued interest receivable as of March 31 are as follows:



$ in thousands	2015		2014
Loans receivable	$	2,337	$	2,139
Mortgage-backed securities	99		99
Investments and other interest-bearing assets	345		319
Total accrued interest receivable	$	2,781	$	2,557


NOTE 7.	DEPOSITS

Deposit balances and weighted average stated interest rates as of March 31 are as follows:



	2015						2014
$ in thousands	Amount		Percent of Total Deposits		Weighted Average Rate		Amount		Percent of Total Deposits		Weighted Average Rate
Non-interest-bearing demand	$	50,731	9.61	%	—	%	$	53,232	10.45	%	—	%
Interest-bearing checking	30,860		5.85		0.16		24,271		4.76		0.16
Savings	95,009		18.00		0.27		98,051		19.26		0.27
Money market savings account	148,702		28.18		0.49		127,655		25.06		0.46
Certificates of deposit	200,123		37.92		0.93		203,907		40.03		1.01
Mortgagors deposits	2,336		0.44		1.53		2,250		0.44		1.73
Total	$	527,761	100.00	%	0.55	%	$	509,366	100.00	%	0.59	%

Scheduled maturities of certificates of deposit for the year ended March 31, 2015 are as follows:



$ in thousands	Period to Maturity
Rate	< 1 Yr.		1-2 Yrs.		2-3 Yrs.		3+ Yrs.		Total 2015		Percent of Total
0% - 0.99%	$	86,119	$	5,653	$	4,063	$	9,977	$	105,812	52.87	%
1% - 1.99%	19,925		22,810		27,801		7,886		78,422		39.19
2% - 3.99%	11,223		4,494		9		159		15,885		7.94
4% and over	—		—		—		4		4		—
Total	$	117,267	$	32,957	$	31,873	$	18,026	$	200,123	100.00	%

The following table represents the amount of certificates of deposit of $100,000 or more at March 31, 2015 maturing during the periods indicated:



$ in thousands
Maturing:
April 1, 2015 to June 30, 2015	$	28,701
July 1, 2015 to September 30, 2015	4,612
October 1, 2015 to March 31, 2016	55,656
April 1, 2016 and beyond	67,141
Total	$	156,110

Interest expense on deposits is as follows for the years ended March 31:



$ in thousands	2015			2014			2013
Interest-bearing checking	$	45		$	40		$	42
Savings and clubs	255			256			259
Money market savings	692			536			739
Certificates of deposit	1,836			1,938			2,441
Mortgagors deposits	30			34			37
	2,858			2,804			3,518
Penalty for early withdrawal of certificates of deposit	(5		)	(7		)	(10		)
Total interest expense	$	2,853		$	2,797		$	3,508


NOTE 8.	BORROWED MONEY

Federal Home Loan Bank Advances, Repurchase agreements and Guaranteed Debt Securities. FHLB-NY advances weighted average interest rates by remaining period to maturity at March 31 are as follows:



$ in thousands	2015			2014
Maturing Year Ended March 31,	Weighted Average Rate	Amount		Weighted Average Rate	Amount
2015	—%	$	—	0.40%	$	27,000
2016	0.34%	40,000		—	—
2017	—	—		—	—
2018 and after ⁽¹⁾	1.50%	25,000		1.50%	25,000
	0.79%	$	65,000	0.93%	$	52,000

⁽¹⁾ Effective rate is 2.13% which includes the net impact of the amortization of the termination fee on restructured borrowing.

Federal Home Loan Bank Advances. As a member of the FHLB-NY, the Bank may have outstanding FHLB-NY borrowings in a combination of term advances and overnight funds of up to 30% of its total assets, or approximately $204.0 million at March 31, 2015. Borrowings are secured by the Bank's investment in FHLB-NY stock and by a blanket security agreement. This agreement requires the Bank to maintain as collateral certain qualifying assets (principally mortgage loans and securities) not otherwise pledged. At March 31, 2015, advances were secured by pledges of the Bank's investment in the capital stock of the FHLB-NY totaling $3.5 million and a blanket assignment of the Bank's pledged qualifying mortgage loans of $58.4 million and mortgage-backed and investment securities with a market value of $42.2 million. The Bank has sufficient collateral at the FHLB-NY to be able to borrow an additional $6.1 million from the FHLB-NY at March 31, 2015. The accrued interest payable on FHLB advances was $34 thousand and the interest expense was $541 thousand for the year ended March 31, 2015. At March 31, 2014, the accrued interest payable on FHLB advances was $32 thousand and the interest expense was $603 thousand for the year ended March 31, 2014. The Bank completed a debt restructuring during the first quarter of fiscal year 2014 that allowed it to prepay a $25.0 million long-term borrowing and secure a new borrowing at a significantly lower rate. The termination fees and penalties associated with the borrowing were prepaid to the FHLB and amortized over five years.

Subordinated Debt Securities. On September 17, 2003, Carver Statutory Trust I issued 13,000 shares, liquidation amount $1,000 per share, of floating rate capital securities. Gross proceeds from the sale of these trust preferred debt securities of $13 million, and proceeds from the sale of the trust's common securities of $0.4 million, were used to purchase approximately $13.4 million aggregate principal amount of the Company's floating rate junior subordinated debt securities due 2033. The trust preferred debt securities are redeemable at par quarterly at the option of the Company beginning on or after September 17, 2008, and have a mandatory redemption date of September 17, 2033. Cash distributions on the trust preferred debt securities are cumulative and payable at a floating rate per annum resetting quarterly with a margin of 3.05% over the three-month LIBOR. Under the Orders, the Company is prohibited from paying dividends without prior regulatory approval. Therefore the Company has deferred the debenture interest payments.

On September 30, 2009, the Bank raised $5.0 million in a private placement of subordinated debt maturing December 30, 2018. The interest rate was set at 7% per annum for the first seven years as long as there is no default event, including Carver maintaining its certification as a Community Development Entity (“CDE”) and remaining in compliance with NMTC requirements, and 12% per annum after. During the second quarter of fiscal year 2012, the interest rate was reduced to 2%. This subordinated debt has been approved by the regulators to qualify as Tier II capital for the Bank's regulatory capital calculations. Qualifying term subordinated debt must have an original weighted average maturity of at least five years. Once the term to maturity is less than five years, the amount qualified as Tier II capital declines 20% per year.

The accrued interest payable on subordinated debt securities was $1.6 million and the interest expense was $549 thousand for the year ended March 31, 2015. The accrued interest payable on subordinated debt securities was $1.2 million and the interest expense was $552 thousand for the year ended March 31, 2014.

The following table sets forth certain information regarding Carver Federal's borrowings as of and for the years ended March 31:



$ in thousands	2015			2014			2013
Amounts outstanding at the end of year:
FHLB advances	$	65,000		$	52,000		$	58,000
Subordinated debt securities	$	18,403		$	18,403		$	18,403

Rate paid at year end:
FHLB advances	0.79		%	0.93		%	1.63		%
Subordinated debt securities	2.99		%	2.99		%	2.99		%

Maximum amount of borrowing outstanding at any month end:
FHLB advances	$	65,000		$	77,000		$	69,011
Subordinated debt securities	$	18,403		$	18,403		$	18,403

Approximate average amounts outstanding for year:
FHLB advances	$	28,299		$	32,825		$	31,531
Subordinated debt securities	$	18,403		$	18,403		$	18,403

Approximate weighted average rate paid during year:
FHLB advances	1.91		%	1.84		%	2.53		%
Subordinated debt securities	2.98		%	2.99		%	3.11		%


NOTE 9.	INCOME TAXES

The components of income tax expense for the years ended March 31 are as follow:



$ in thousands	2015		2014			2013
Income tax expense (benefit):
Current - Federal	$	—	$	(35	)	$	149
Current - State	166		137			179
Total income tax expense (benefit)	$	166	$	102		$	328

There was no income tax expense attributable to equity for the three years ended March 31, 2014.

The following is a reconciliation of the expected Federal income tax rate to the consolidated effective tax rate for the years ended March 31:



	2015					2014					2013
$ in thousands	Amount			Percent		Amount			Percent		Amount			Percent
Statutory Federal income tax expense (benefit)	$	240		34.0	%	$	(250	)	34.0	%	$	337		34.0	%
State and local income tax, net of Federal tax benefit	41			5.8		(16		)	2.1		49			4.9
General business credit	(32		)	(4.6	)	(32		)	4.4		(32		)	(3.3	)
Difference in rates	(1,568		)	(222.4	)	(1,068		)	145.5		—			—
Valuation Allowance	741			105.0		(204		)	27.7		795			80.3
Write off DTA due to Section 382 limitation	—			—		1,132			(154.1	)	(1,363		)	(137.7	)
True-ups/Adjustments	743			103.6		255			(34.7	)	524			53.1
Other	1			2.2		285			(38.8	)	18			1.8
Total income tax expense	$	166		23.6	%	$	102		(13.9	)%	$	328		33.1	%

Carver Federal's operating results includes a $166 thousand tax expense for the fiscal year ended March 31, 2015, which included a $741 thousand change in the valuation allowance. For the fiscal year ended March 31, 2014, the total income tax expense of $102 thousand included a $204 thousand change in the valuation allowance. For the fiscal year ended March 31, 2013, the total income tax expense of $328 thousand included a $795 thousand change in the valuation allowance taken on the Bank's deferred tax assets.

Tax effects of existing temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities are included in other assets at March 31 as follows:



$ in thousands	2015			2014
Deferred Tax Assets:
Allowance for loan losses	$	1,681		$	2,373
Deferred loan costs, net	(162		)	193
Nonaccrual loan interest	68			64
Purchase accounting adjustment	23			44
Net operating loss carryforward	17,394			15,181
New markets tax credit	2,207			2,175
Depreciation	977			782
Market value adjustment on HFS loans	464			752
Unrealized loss on available-for-sale securities	448			1,908
Other	947			577
Total Deferred Tax Assets	24,047			24,049
Deferred Tax Liabilities:
Income from affiliate	671			(46		)
Total Deferred Tax Liabilities	671			(46		)
Deferred Tax Assets, net	23,376			24,095
Valuation Allowance	(23,376		)	(24,095		)
Deferred Tax Assets, net of valuation allowance	$	—		$	—

On June 29, 2011, the Company raised $55.0 million of equity. The capital raise triggered a change in control under Section 382 of the Internal Revenue Code. Generally, Section 382 limits the utilization of an entity's net operating loss carryforwards, general business credits, and recognized built-in losses upon a change in ownership. The Company expects to be subject to an annual limitation of approximately $0.9 million. The Company has a net deferred tax asset (“DTA”) of approximately $29.2 million. Based on management's calculations, the Section 382 limitation has resulted in previous reductions of the deferred tax asset of $5.8 million. A full valuation allowance for the remaining net deferred tax asset of $23.4 million has been recorded.

At March 31, 2015, the Company had net operating carryforwards for federal purposes of approximately $33.9 million, for state purposes of approximately $52.7 million and for city purposes of approximately $47.2 million which are available to offset future federal, state and city income and which expire over varying periods from March 2028 through March 2034.

The Company has no uncertain tax positions. The Company and its subsidiaries are subject to federal, New York State and New York City income taxation. The Company is no longer subject to examination by taxing authorities for years before March 31, 2008. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination; with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.


NOTE 10.	EARNINGS (LOSS) PER COMMON SHARE

The following table reconciles the earnings (loss) available to common shareholders (numerator) and the weighted average common stock outstanding (denominator) for both basic and diluted earnings (loss) per share for years ended March 31:



$ in thousands except per share data	2015		2014			2013
Net income (loss) attributable to Carver Bancorp, Inc.	$	364	$	(836	)	$	662
Less: Capital Purchase Program "CPP" Preferred Dividends	—		—			—
Net income (loss) available to common shareholders of Carver Bancorp, Inc.	$	364	$	(836	)	$	662


Weighted average common shares outstanding – basic	3,696,359		3,696,149			3,695,625
Effect of dilutive MRP shares	253		507			1,775
Weighted average common shares outstanding – diluted	3,696,612		3,696,656			3,697,400

Basic earnings (loss) per common share	$	0.10	$	(0.23	)	$	0.18
Diluted earnings (loss) per common share	$	0.10	$	(0.23	)	$	0.18

NOTE 11. STOCKHOLDERS' EQUITY

Conversion and Stock Offering. On October 24, 1994, the Bank issued in an initial public offering 2,314,375 shares of common stock, par value $0.01 (the “Common Stock”), at a price of $10 per share resulting in net proceeds of $21.5 million. As part of the initial public offering, the Bank established a liquidation account at the time of conversion, in an amount equal to the surplus and reserves of the Bank at September 30, 1994. In the unlikely event of a complete liquidation of the Bank (and only in such event), eligible depositors who continue to maintain accounts shall be entitled to receive a distribution from the liquidation account. The total amount of the liquidation account may be decreased if the balances of eligible deposits decreased as measured on the annual determination dates. The Bank is not permitted to pay dividends to the Company on its capital stock if the effect thereof would cause its net worth to be reduced below either: (i) the amount required for the liquidation account, or (ii) the amount required for the Bank to comply with applicable minimum regulatory capital requirements.

Regulatory Capital. The operations and profitability of the Bank are significantly affected by legislation and the policies of the various regulatory agencies. In July 2013, the FDIC and the other federal bank regulatory agencies issued a final rule that revised their leverage and risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. Among other things, the rule established a new common equity Tier 1 minimum capital requirement of 4.5% of risk-weighted assets, and increased the minimum Tier 1 capital to risk-based assets requirement from 4% to 6% of risk-weighted assets. The final rule became effective for the Bank on January 1, 2015. In assessing an institution's capital adequacy, the OCC takes into consideration not only these numeric factors but also qualitative factors, and has the authority to establish higher capital requirements for individual institutions where necessary. Carver Federal, as a matter of prudent management, targets as its goal the maintenance of capital ratios which exceed these minimum requirements and that are consistent with Carver Federal's risk profile. The previously described Cease and Desist Order Carver Federal entered into with the OCC included a capital directive requiring the Bank to achieve and maintain minimum regulatory capital levels of a Tier 1 leverage ratio of 9% and a total risk-based capital ratio of 13% by April 30, 2011. The Bank Order was lifted on November 3, 2014. At March 31, 2015, the Bank's capital level exceeded the regulatory requirements with a Tier 1 leverage ratio of 10.85%, total risk-based capital ratio of 16.78% and a Tier 1 risk-based capital ratio of 15.10%.

On June 29, 2011, the Company raised $55 million of capital. The $55 million resulted in a $51.4 million increase in liquidity net of the effect of various expenses associated with the capital raise. On June 30, 2011, the Company downstreamed $37 million to the Bank. During December 2011, the Company downstreamed another $7 million to the Bank. The remainder of the net capital raised is retained by the Company for future strategic purposes or to downstream into the Bank, if necessary. No assurances can be given that the amount of capital raised is sufficient to absorb the losses emanating from the Bank's loan portfolio. Should the losses be greater than expected, additional capital may be necessary in the future.

In addition, no assurances can be given that the Company will continue to comply with all provisions of the Company Order. Failure to comply with these provisions could result in further regulatory actions to be taken by the regulators.

The table below presents the capital position of the Bank at March 31, 2015 and 2014.



	At March 31, 2015
	Tier 1 Leverage				Common Tier 1				Tier 1 Risk-Based Capital				Total Risk-Based Capital
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Regulatory capital	$	67,244	10.85	%	$	67,244	15.10	%	$	67,244	15.10	%	$	74,738	16.78	%
Minimum capital requirement	24,793		4.00	%	20,045		4.50	%	26,727		6.00	%	35,636		8.00	%
Excess	42,451		6.85	%	47,199		10.60	%	40,517		9.10	%	39,102		8.78	%



	At March 31, 2014
	Tier 1 Leverage				Tier 1 Risk-Based Capital				Total Risk-Based Capital
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Regulatory capital	$	66,648	10.38	%	$	66,648	17.55	%	$	76,429	20.12	%
Minimum capital requirement	57,771		9.00	%	49,382		13.00	%	49,382		13.00	%
Excess	8,877		1.38	%	17,266		4.55	%	27,047		7.12	%

NOTE 12. OTHER COMPREHENSIVE (LOSS) INCOME

The following tables set forth changes in each component of accumulated other comprehensive (loss) income, net of tax for the years ended March 31, 2015 and 2014:



$ in thousands	At March 31, 2014			Other Comprehensive Income		At March 31, 2015
Net unrealized gain (loss) on securities available-for-sale	$	(4,768	)	$	3,723	$	(1,045	)
Accumulated other comprehensive loss	$	(4,768	)	$	3,723	$	(1,045	)



$ in thousands	At March 31, 2013			Pension Plan Adjustment			Other Comprehensive Income			At March 31, 2014
Net unrealized gain (loss) on securities available-for-sale	$	1,064		$	—		$	(5,832	)	$	(4,768	)
Net unrealized loss on pension liability	(501		)	(716		)	1,217			—
Accumulated other comprehensive income (loss)	$	563		$	(716	)	$	(4,615	)	$	(4,768	)

The following table sets forth information about amounts reclassified from accumulated other comprehensive loss to the consolidated statement of operations and the affected line item in the statement where net income is presented.



	For the Twelve Months Ended March 31,					Affected Line Item in the Consolidated Statement of Operations
$ in thousands	2015		2014
Reclassification adjustment for sales of available for-sale securities, net of tax	$	8	$	552		Gain on sale of securities, net
Reclassification adjustment for termination of pension plan, net of tax	—		(1,148		)	Employee compensation and benefits
Total reclassifications for the period	$	8	$	(596	)

Comprehensive Income (Loss). Comprehensive income (loss) represents net income (loss) and certain amounts reported directly in stockholders' equity, such as net unrealized gain or loss on securities available-for-sale and loss on pension obligations. The Company has reported its comprehensive income (loss) for fiscal years 2015 and 2014 in the Consolidated Statements of Comprehensive Income (Loss). Carver Federal's accumulated other comprehensive income (loss) included net unrealized gains on securities of $3.7 million at March 31, 2015 and net unrealized losses on securities of $5.8 million at March 31, 2014.


NOTE 13.	EMPLOYEE BENEFIT AND STOCK COMPENSATION PLANS

Pension Plan. Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter fiscal 2014 results. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30.

The following table sets forth the plan's changes in benefit obligation, changes in plan assets and funded status and amounts recognized in Carver Federal's consolidated financial statements at March 31:



$ in thousands	2015		2014
Change in benefit obligation:
Benefit obligation at the beginning of year	$	—	$	2,426
Interest cost	—		61
Actuarial gain	—		(165		)
Benefits paid	—		(2,497		)
Settlements	—		175
Benefit obligation at end of year	$	—	$	—
Change in fair value of plan assets:
Fair value of plan assets at beginning of year	$	—	$	2,023
Actual return on plan assets	—		120
Contributions	—		354
Benefits paid	—		(97		)
Settlements	—		(2,400		)
Fair value of plan assets at end of year	$	—	$	—

Funded status	$	—	$	—
Accrued pension cost	$	—	$	—

Net periodic pension cost includes the following components for the years ended March 31:



$ in thousands	2015		2014			2013
Interest cost	$	—	$	61		$	106
Unrecognized loss	—		34			45
Settlement charge	—		1,180			100
Expected return on plan assets	—		(106		)	(176		)
Net periodic pension cost	$	—	$	1,169		$	75

Significant actuarial assumptions used in determining plan benefits for the years ended March 31 are as follows:



	2015	2014	2013
Annual salary increase⁽¹⁾	—	—	—
Expected long-term return on assets	N/A	N/A	8.00	%
Discount rate used in measurement of benefit obligations	N/A	N/A	3.75	%


⁽¹⁾	The annual salary increase rate is not applicable as the plan is frozen and no new benefits accrue.

Directors' Retirement Plan. Concurrent with the conversion to the stock form of ownership, Carver Federal adopted a retirement plan for non-employee directors. The plan was curtailed during the fiscal year ended March 31, 2001. The benefits are payable based on the term of service as a director through the date of curtailment. As of March 31, 2015, there was no outstanding payable under this plan.

Savings Incentive Plan. Carver has a savings incentive plan, pursuant to Section 401(k) of the Code, for all eligible employees of the Bank. The Bank matches contributions to the 401(k) Plan equal to 100% of pre-tax contributions made by each employee up to a maximum of 3% of their pay, subject to IRS limitations. All such matching contributions are fully vested and non-forfeitable at all times regardless of the years of service with the Bank.

Under the profit-sharing feature, if the Bank achieves a minimum of 70% of its net income goal as mentioned previously, the Compensation Committee may authorize an annual non-elective contribution to the 401(k) Plan on behalf of each eligible employee up to 2% of the employee's annual pay, subject to IRS limitations. This non-elective contribution may be made regardless of whether the employee makes a contribution to the 401(k) Plan. Non-elective Bank contributions, if awarded, vest 20% each year for the first five years of employment and are fully vested thereafter.

To be eligible for the matching contribution, the employee must be 21 years of age and have completed at least three months of service. To be eligible for the non-elective Carver contribution, the employee must also be employed as of the last day of the plan year.

Management Recognition Plan (“MRP”). The MRP provided for grants of restricted stock to certain employees at September 12, 1995 adoption of the MRP. On March 28, 2005 the plan was amended for all future awards. The MRP provides for additional discretionary grants of restricted stock to those employees selected by the committee established to administer the MRP. Awards granted prior to March 28, 2005, generally vest in three to five equal annual installments commencing on the first anniversary date of the award, provided the recipient is still an employee of the Company or the Bank on such date. Under the amended plan, awards granted after March 28, 2005 vest based on a five-year performance-accelerated vesting schedule. Ten percent of the awarded shares vest in each of the first four years and the remainder in the fifth year but the Compensation Committee may accelerate vesting at any time. Awards will become 100% vested upon termination of service due to death or disability. When shares become vested and are distributed, the recipients will receive an amount equal to any accrued dividends with respect thereto. There are no shares available to grant under the MRP. Pursuant to the MRP, the Bank recognized $10 thousand, $27 thousand and $65 thousand as expense for fiscal year 2015, 2014 and 2013, respectively.

Stock Option Plans. During 1995, the Company adopted the 1995 Stock Option Plan (the “1995 Plan”) to advance the interests of the Bank through providing stock options to select key employees and directors of the Bank and its affiliates. The number of shares reserved for issuance under the plan was 22,591. The 1995 plan expired by its term and no new options may be granted under it, however, stock options granted under the 1995 Plan continue in accordance with their terms. At March 31, 2015, there were 1,104 options outstanding and 1,104 were exercisable. Options are granted at the fair market value of Carver Federal common stock at the time of the grant for a period not to exceed ten years. Under the 1995 Plan option grants generally vest on an annual basis ratably over either three or five years, commencing after one year of service and, in some instances, portions of option grants vest at the time of the grant. On March 28, 2005, the plan was amended and vesting of future awards is based on a five-year performance-accelerated vesting schedule. Ten percent of the awarded options vest in each of the first four years and the remainder in the fifth year, but the Committee may accelerate vesting at any time. All options are exercisable immediately upon a participant's disability, death or a change in control, as defined in the Plan.

In September 2006, Carver stockholders approved the 2006 Stock Incentive Plan (the "2006 Incentive Plan") which provides for the grant of stock options, stock appreciation rights and restricted stock to employees and directors who are selected to receive awards by the Committee. The 2006 Incentive Plan authorizes Carver to grant awards with respect to 20,000 shares, but no more than 10,000 shares of restricted stock may be granted. Options are granted at a price not less than fair market value of Carver common stock at the time of the grant for a period not to exceed 10 years. Shares generally vest in 20% increments over 5 years, however, the Committee may specify a different vesting schedule. At March 31, 2015, there were 1,925 options outstanding under the 2006 Incentive Plan and 1,898 were exercisable. All options are exercisable immediately upon a participant's disability, death or a change in control, as defined in the 2006 Incentive Plan, if the person is employed on that date.

In September 2014, Carver stockholders approved the Carver Bancorp, Inc. 2014 Equity Incentive Plan (the "2014 Incentive Plan") which provides for the grant of stock options, stock appreciation rights and restricted stock to executive officers and directors who are selected to receive awards by the Committee. The 2014 Incentive Plan authorizes Carver to grant awards with respect to 250,000 shares. All of the shares may be issued pursuant to stock options (all of which may be incentive stock options) or all of which may be issued pursuant to restricted stock awards or restricted stock units. Unless the Committee determines otherwise, the award agreements will specify that no award will vest more rapidly than 25% per year over a four-year period, with the first installment vesting one year after the date of grant, subject to acceleration upon the occurrence of specific events. At March 31, 2015, there were no options outstanding and no restricted stock awards issued under the 2014 Incentive Plan. All options are exercisable immediately upon a participant's disability, death or change in control, as defined in the 2014 Incentive Plan, if the person is employed on that date.

Information regarding stock options as of and for the years ended March 31 is as follows:



	2015		2014			2013
	Options ⁽¹⁾	Weighted Average Exercise Price	Options ⁽¹⁾	Weighted Average Exercise Price		Options ⁽¹⁾	Weighted Average Exercise Price
Outstanding, beginning of year	4,029	258.16	5,362	$	255.17	7,362	$	235.00
Granted	—	—	—	—		—	—
Exercised	—	—	—	—		—	—
Expired/Forfeited	1,000	294.45	1,333	246.15		2,000	180.90
Outstanding, end of year	3,029	246.18	4,029	258.16		5,362	255.17
Exercisable, at year end	3,002		3,975			5,229

⁽¹⁾ Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011

Information regarding stock options as of and for the year ended March 31, 2015 is as follows :



				Options Outstanding			Options Exercisable
Range of Exercise Prices				Shares	Weighted Average Remaining Life	Weighted Average Exercise Price	Shares	Weighted Average Exercise Price
$	90.00	$	104.85	134	5.36	$97.50	107	$97.50
240.00		254.85		1,899	2.78	250.61	1,899	16.71
255.00		269.85		996	1.18	257.63	996	257.63

Total				3,029			3,002

There were no stock options awarded to employees during the years ended March 31, 2015, 2014 and 2013.

The fair value of the option grants was estimated on the date of the grant using the Black-Scholes option pricing model applying the following weighted average assumptions for the years ended March 31:



	2015	2014	2013
Risk-free interest rate	N/A	N/A	N/A
Volatility	N/A	N/A	N/A
Annual dividends	N/A	N/A	N/A
Expected life of option grants	N/A	N/A	N/A

The Company recorded compensation expense of $2 thousand in fiscal 2015 and $2 thousand in fiscal 2014.

Performance Compensation Plan. In 2006, Carver adopted the Performance Compensation Plan of Carver Bancorp, Inc. (the "Performance Compensation Plan"). This Performance Compensation Plan provides for cash payments to officers or employees designated by the Compensation Committee, which also determines the amount awarded to such participants. Vesting is generally 20% a year over 5 years and awards are fully vested on a change in control (as defined), or termination of employment by death or disability, but the Committee may accelerate vesting at any time. Payments are made as soon as practicable after the end of the fiscal year in which amounts vest. In fiscal year 2008, the Company granted its first awards under the new Performance Compensation Plan. No compensation expense was recognized in fiscal year 2015 and $8 thousand was recognized in 2014.


NOTE 14.	COMMITMENTS AND CONTINGENCIES

Credit Related Commitments. The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and in connection with its overall investment strategy. These instruments involve, to varying degrees, elements of credit, interest rate and liquidity risk. In accordance with GAAP, these instruments are not recorded in the consolidated financial statements. Such instruments primarily include lending obligations, including commitments to originate mortgage and consumer loans and to fund unused lines of credit.

The Bank's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual notional amount of those instruments. The Bank uses the same credit policies making commitments as it does for on-balance-sheet instruments.

The Bank had outstanding lending commitments and contractual obligations at March 31 as follows:



$ in thousands	2015		2014
Commitments to fund mortgage loans	$	30,972	$	5,750
Commitments to fund commercial and consumer loans	8,963		—
Lines of credit	5,355		6,140
Letters of credit	234		245
	$	45,524	$	12,135

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Bank upon extension of credit is based on management's credit evaluation of the counterparty.

Mortgage Representation & Warranty Liabilities

During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”). The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSE's). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.

The following table presents information on open requests from FNMA. The amounts presented are based on outstanding loan principal balances.



$ in thousands	Loans sold to FNMA
Open claims as of March 31, 2014 ⁽¹⁾	$	2,075
Gross new demands received	129
Loans repurchased/made whole	(129		)
Principal payments received on open claims	(30		)
Open claims as of March 31, 2015 ⁽¹⁾	$	2,045


⁽¹⁾	The open claims include all open requests received by the Bank where either FNMA has requested loan files for review, where FNMA has not formally rescinded the repurchase request or where the Bank has not agreed to repurchase the loan. The amounts reflected in this table are the unpaid principal balance and do not incorporate any losses the Bank would incur upon the repurchase of these loans.

The table below summarizes changes in our representation and warranty reserves during fiscal 2015.



$ in thousands	March 31, 2015
Representation and warranty repurchase reserve, as of March 31, 2014 ⁽¹⁾	$	287
Net provision for repurchase losses ⁽²⁾	119
Net realized losses ⁽²⁾	—
Representation and warranty repurchase reserve, as of March 31, 2015 ⁽¹⁾	$	406

⁽¹⁾Reported in consolidated statements of financial condition as a component of other liabilities.

⁽²⁾ Component of other non-interest expense.

commitments under all non-cancelable leases with initial or remaining terms of more than one year and expiring through 2025 follow:



$ in thousands
Year Ending March 31,	Minimum Rental		Sublet Income		Net
2015	$	1,558	$	—	$	1,558
2016	1,515		—		1,515
2017	1,543		—		1,543
2018	1,130		—		1,130
2019	1,032		—		1,032
Thereafter	3,364		—		3,364
	$	10,142	$	—	$	10,142

The Bank also has, in the normal course of business, commitments for services and supplies.

Legal Proceedings. From time to time, the Company and the Bank or one of its wholly owned subsidiaries are parties to various legal proceedings incident to their business. Certain claims, suits, complaints and investigations (collectively “proceedings”) involving the Company and the Bank or a subsidiary, arising in the ordinary course of business, have been filed or are pending. The Company is unable at this time to determine the ultimate outcome of each proceeding, but believes, after discussions with legal counsel representing the Company and the Bank or the subsidiary in these proceedings, that it has meritorious defenses to each proceeding and appropriate measures have been taken to defend the interests of the Company, Bank or subsidiary. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the financial condition or results of operations of the Company or the Bank. Further, there have been no material developments or changes associated with any litigation matters previously reported by the Company or the Bank.

In accordance with ASC Topic 450, Carver has accrued $30,000 for these lawsuits.


NOTE 15.	FAIR VALUE MEASUREMENTS

On April 1, 2008, the Company adopted ASC Topic 820 which, among other things, defines fair value, establishes a consistent framework for measuring fair value, and expands disclosure for each major asset and liability category measured at fair value on either a recurring or nonrecurring basis. ASC 820 clarifies that fair value is an “exit” price, representing the amount that would be received when selling an asset, or paid when transferring a liability, in an orderly transaction between market participants. Fair value is thus a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, ASC 820 establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value as follows:


•	Level 1— Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.


•	Level 2— Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.


•	Level 3— Inputs to the valuation methodology are unobservable and significant to the fair value measurement.

A financial instrument’s categorization within this valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.

The following table presents, by valuation hierarchy, assets that are measured at fair value on a recurring basis as of March 31, 2015 and 2014, and that are included in the Company's Consolidated Statements of Financial Condition at these dates:



	Fair Value Measurements at March 31, 2015, Using
$ in thousands	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total Fair Value
Mortgage servicing rights	$	—	$	—	$	210	$	210
Investment securities
Available-for-sale:
Mortgage-backed securities:
Government National Mortgage Association	—		5,527		—		5,527
Federal Home Loan Mortgage Corporation	—		10,588		—		10,588
Federal National Mortgage Association	—		10,857		—		10,857
Other	—		—		47		47
U.S. Government Agency securities	—		57,850		—		57,850
Other investments	—		16,316		—		16,316
Total available-for-sale securities	—		101,138		47		101,185
Total assets	$	—	$	101,138	$	257	$	101,395


	Fair Value Measurements at March 31, 2014, Using
$ in thousands	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total Fair Value
Mortgage servicing rights	$	—	$	—	265		$	265
Investment securities
Available-for-sale:
Mortgage-backed securities:
Government National Mortgage Association	—		5,665		—		5,665
Federal Home Loan Mortgage Corporation	—		11,596		—		11,596
Federal National Mortgage Association	—		10,431		—		10,431
Other	—		—		49		49
U.S. Government Agency securities	—		52,189		—		52,189
Other investments	—		9,531		—		9,531
Total available-for-sale securities	—		89,412		49		89,461
Total assets	$	—	$	89,412	$	314	$	89,726

Instruments for which unobservable inputs are significant to their fair value measurement (i.e., Level 3) include mortgage servicing rights ("MSR") and other available-for-sale securities. Level 3 assets accounted for 0.04% of the Company's total assets at March 31, 2015 and 2014.

The Company reviews and updates the fair value hierarchy classifications on a quarterly basis. Changes from one quarter to the next that are related to the observable inputs to a fair value measurement may result in a reclassification from one hierarchy level to another.

Below is a description of the methods and significant assumptions utilized in estimating the fair value of available-for-sale securities and MSR:

Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy.

If quoted market prices are not available for the specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to market information, models also incorporate transaction details, such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy and primarily include such instruments as mortgage-related securities and corporate debt.

In the period ended March 31, 2015, there were no transfers of investments between the Level 1 and Level 2 categories.

In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. In valuing certain securities, the determination of fair value may require benchmarking to similar instruments or analyzing default and recovery rates. Quoted price information for the MSRs is not available. Therefore, MSRs are valued using market-standard models to model the specific cash flow structure. Key inputs to the model consist of principal balance of loans being serviced, servicing fees and prepayment rates.

The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Company believes its valuation methods are appropriate and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

The following table includes a rollforward of assets classified by the Company within Level 3 of the valuation hierarchy for the years ended March 31, 2015 and 2014:




$ in thousands	Beginning balance, April 1, 2014		Total Realized/Unrealized Gains/(Losses) Recorded in Income ⁽¹⁾			Issuances / (Settlements)			Transfers to/(from) Level 3		Ending balance, March 31, 2015		Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2015
Securities Available-for-Sale	$	49	$	—		$	(2	)	$	—	$	47	$	—

Mortgage Servicing Rights	265		(55		)	—			—		210		(51		)




$ in thousands	Beginning balance, April 1, 2013		Total Realized/Unrealized Gains/(Losses) Recorded in Income ⁽¹⁾			Issuances / (Settlements)			Transfers to/(from) Level 3		Ending balance, March 31, 2014		Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2014
Securities Available-for-Sale	$	50	$	—		$	(1	)	$	—	$	49	—

Mortgage Servicing Rights	275		(10		)	—			—		265		(7	)

⁽¹⁾Includes net servicing cash flows and the passage of time.

Certain assets are measured at fair value on a non-recurring basis. Such instruments are subject to fair value adjustments under certain circumstances (e.g. when there is evidence of impairment). The following table presents assets and liabilities that were measured at fair value on a non-recurring basis as of March 31, 2015 and 2014, and that are included in the Company's Consolidated Statements of Financial Condition at these dates:



	Fair Value Measurements at March 31, 2015, Using
$ in thousands	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total Fair Value
Loans held-for-sale	$	—	$	2,576	$	—	$	2,576
Impaired loans with a specific reserve allocated	$	—	$	—	$	6,519	$	6,519
Other real estate owned	$	—	$	4,341	$	—	$	4,341


	Fair Value Measurements at March 31, 2014, Using
$ in thousands	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total Fair Value
Loans held-for-sale	$	—	$	5,011	$	—	$	5,011
Impaired loans with a specific reserve allocated	$	—	$	—	$	8,115	$	8,115
Other real estate owned	$	—	$	1,369	$	—	$	1,369

Loans held-for-sale are carried at the lower of cost or market value. The valuation methodology for loans held-for sale for the period ended March 31, 2015 was based upon amounts offered, or other acceptable valuation methods and, in some instances, prior loan loss experience of Carver in connection with recent note sales.

The fair values of collateral dependent impaired loans are determined using various valuation techniques, including consideration of appraised values and other pertinent real estate market data.

Other real estate owned represents property acquired by the Bank in settlement of loans less costs to sell (i.e., through foreclosure, repossession or as an in-substance foreclosure). These assets are recorded at the lower of their cost or fair value. At the time of acquisition of the real estate owned, the real property value is adjusted to its current fair value. Any subsequent adjustments will be to the lower of cost or market.


NOTE 16.	FAIR VALUE OF FINANCIAL INSTRUMENTS

Disclosures regarding the fair value of financial instruments are required to include, in addition to the carrying value, the fair value of certain financial instruments, both assets and liabilities recorded on and off-balance sheet, for which it is practicable to estimate fair value. Accounting guidance defines financial instruments as cash, evidence of ownership of an entity, or a contract that conveys or imposes on an entity the contractual right or obligation to either receive or deliver cash or another financial instrument. The fair value of a financial instrument is discussed below. In cases where quoted market prices are not available, estimated fair values have been determined by the Bank using the best available data and estimation methodology suitable for each such category of financial instruments. For those loans and deposits with floating interest rates, it is presumed that estimated fair values generally approximate their recorded carrying value. The Bank's primary component of market risk is interest rate volatility. Fluctuations in interest rates will ultimately impact the Bank's fair value of all interest-earning assets and interest-bearing liabilities, other than those which are short-term in maturity.

The carrying amounts and estimated fair values of the Bank's financial instruments and estimation methodologies at March 31 are as follows:



	March 31, 2015
$ in thousands	Carrying Amount		Estimated Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Financial Assets:
Cash and cash equivalents	$	50,992	$	50,992	$	50,992	$	—	$	—
Restricted cash	6,354		6,354		—		6,354		—
Securities available-for-sale	101,185		101,185		—		101,138		47
FHLB Stock	3,519		3,519		—		3,519		—
Securities held-to-maturity	11,922		12,231		—		12,231		—
Loans receivable	478,716		485,458		—		—		485,458
Loans held-for-sale	2,576		2,576		—		2,576		—
Accrued interest receivable	2,781		2,781		—		2,781		—
Mortgage servicing rights	210		210		—		—		210
Financial Liabilities:
Deposits	$	527,761	$	511,160	$	309,897	$	201,263	$	—
Advances from FHLB of New York	65,000		65,827		—		65,827		—
Other borrowed money	18,403		18,931		—		18,931		—



	March 31, 2014
$ in thousands	Carrying Amount		Estimated Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Financial Assets:
Cash and cash equivalents	$	122,554	$	122,554	$	122,554	$	—	$	—
Restricted cash	6,354		6,354		—		6,354		—
Securities available-for-sale	89,461		89,461		—		89,412		49
FHLB Stock	3,101		3,101		—		3,101		—
Securities held-to-maturity	9,029		8,971		—		8,971		—
Loans receivable	382,723		382,604		—		—		382,604
Loans held-for-sale	5,011		5,011		—		5,011		—
Accrued interest receivable	2,557		2,557		—		2,557		—
Mortgage servicing rights	265		265		—		—		265
Financial Liabilities:
Deposits	$	509,366	$	493,922	$	287,767	$	206,155	$	—
Advances from FHLB of New York	52,000		53,294		—		53,294		—
Other borrowed money	18,403		18,915		—		18,915		—

Cash and Cash Equivalents

The carrying amounts for cash and cash equivalents approximate fair value and are classified as Level 1 because they mature in three months or less.

Restricted Cash

The carrying amounts for restricted cash approximates fair value and are classified as Level 2 because they represent short-term interest-bearing deposits.

Securities

The fair values for securities available-for-sale and securities held-to-maturity are based on quoted market or dealer prices, if available. If quoted market or dealer prices are not available, fair value is estimated using quoted market or dealer prices for similar securities. Available-for-sale securities are classified across Levels 2 and 3. Held-to-maturity securities are classified as Level 2.

FHLB Stock

Ownership in equity securities of the FHLB is restricted and there is no established market for resale. The carrying amount is at cost, and is classified as Level 2.

Loans Receivable

The fair value of loans receivable is estimated by discounting future cash flows, using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities of such loans. The method used to estimate the fair value of loans is extremely sensitive to the assumptions and estimates used. While management has attempted to use assumptions and estimates that best reflect the Company's loan portfolio and current market conditions, a greater degree of objectivity is inherent in these values than in those determined in active markets. The loan valuations thus determined do not necessarily represent an “exit” price that would be achieved in an active market. Loans receivable are classified as Level 3.

Loans Held-for-Sale

Loans held-for-sale are carried at the lower of cost or market value and are classified as Level 2. The valuation methodology for loans held-for-sale are based upon amounts offered or other acceptable valuation methods and, in some instances, prior loan loss experience of Carver in connection with recent note sales.

Accrued Interest Receivable

The carrying amounts of accrued interest approximate fair value resulting in a Level 2 classification.

Mortgage Servicing Rights

The fair value of mortgage servicing rights is determined by discounting the present value of estimated future servicing cash flows using current market assumptions for prepayments, servicing costs and other factors and are classified as Level 3.

Deposits

The fair value of demand, savings and club accounts is equal to the amount payable on demand at the reporting date. These deposits are classified as Level 1. The fair value of certificates of deposit is estimated using rates currently offered for deposits of similar remaining maturities resulting in a Level 2 classification. The fair value estimates do not include the benefit that results from the low-cost funding provided by deposit liabilities compared to the cost of borrowing funds in the market.

Advances from FHLB-NY and Other Borrowed Money

The fair values of advances from the Federal Home Loan Bank of New York and other borrowed money are estimated using the rates currently available to the Bank for debt with similar terms and remaining maturities and are classified as Level 2.

Commitments to Extend Credits, Commercial, and Standby Letters of Credit

The fair value of the commitments to extend credit was estimated to be immaterial as of March 31, 2015 and March 31, 2014. The fair value of commitments to extend credit and standby letters of credit was evaluated using fees currently charged to

enter into similar agreements, taking into account the risk characteristics of the borrower, and estimated to be insignificant as of the reporting date.


NOTE 17.	VARIABLE INTEREST ENTITIES

The Company's subsidiary, Carver Statutory Trust I, is not consolidated with Carver Bancorp, Inc. for financial reporting purposes. Carver Statutory Trust I was formed in 2003 for the purpose of issuing $13 million aggregate liquidation amount of floating rate Capital Securities due September 17, 2033 (“Capital Securities”) and $0.4 million of common securities (which are the only voting securities of Carver Statutory Trust I), which are 100% owned by Carver Bancorp, Inc., and using the proceeds to acquire Junior Subordinated Debentures issued by Carver Bancorp, Inc. Carver Bancorp, Inc. has fully and unconditionally guaranteed the Capital Securities along with all obligations of Carver Statutory Trust I under the trust agreement relating to the Capital Securities.

The Bank's subsidiary, Carver Community Development Corporation (“CCDC”), was formed to facilitate its participation in local economic development and other community-based initiatives. Per the NMTC Award's Allocation Agreement between the CDFI Fund and CCDC, CCDC is permitted to form and sub-allocate credits to subsidiary Community Development Entities (“CDEs”) to facilitate investments in separate development projects.

The variable interest entities (“VIEs”) such as the CDEs and Carver Statutory Trust I are consolidated, as required, where Carver has controlling financial interest in these entities and is deemed to be the primary beneficiary. Carver is normally deemed to have a controlling financial interest and be the primary beneficiary if it has both of the following characteristics:

(a) the power to direct activities of a VIE that most significantly impact the entities economic performance; and

(b) the obligation to absorb losses of the entity that could benefit from the activities that could potentially be significant to the VIE.

The Bank's involvement with VIEs, consolidated and unconsolidated, in which the company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE is presented below:



	Involvement with SPE (000's)										Funded Exposure				Unfunded Exposure				Total
	Recognized Gain (Loss) (000's)		Total Rights transferred		Consolidated assets		Significant unconsolidated VIE assets		Total Involvement with SPE asset		Debt Investments		Equity Investments ⁽¹⁾		Funding Commitments		Maximum exposure to loss
Carver Statutory Trust 1	$	—	$	—	$	—	$	13,400	$	13,400	$	13,000	$	400	$	—	$	—	$	13,400
CDE 1-9, CDE 11-12	—		40,000		14,186		—		14,186		—		—		—		7,800		7,800
CDE 10	1,700		19,000		—		8		8		—		—		—		7,410		7,410
CDE 13	500		10,500		—		10,567		10,567		—		1		—		4,095		4,096
CDE 14	400		10,000		—		10,034		10,034		—		1		—		3,900		3,901
CDE 15, CDE 16, CDE 17	900		20,500		—		20,711		20,711		—		2		—		7,995		7,997
CDE 18	600		13,254		—		13,282		13,282		—		1		—		5,169		5,170
CDE 19	500		10,746		—		10,922		10,922		—		1		—		4,191		4,192
CDE 20	625		12,500		—		12,219		12,219		—		1		—		4,875		4,876
CDE 21	625		12,500		—		12,271		12,271		—		1		—		4,875		4,876
Total	$	5,850	$	149,000	$	14,186	$	103,414	$	117,600	$	13,000	$	408	$	—	$	50,310	$	63,718

⁽¹⁾ Excludes any proceeds realized from exchange of equity interest in CDEs as detailed below.

CCDC was originally awarded $59 million of NMTC. In fiscal 2008, CCDC transferred $19 million of rights to an investor in a NMTC project. The entity was called CDE 10.

With respect to the remaining $40 million of the original NMTC award, CCDC established various special purpose entities (CDEs 1-9,11-12) through which its investments in NMTC eligible activities are conducted. As the Bank is exposed to all of the expected losses and residual returns from these investments under ASC Topic 810, the Bank has determined it has a controlling financial interest and is the primary beneficiary of these entities. During December 2010, Carver transferred its equity ownership in the CDEs and the associated rights to an investor in exchange for $6.7 million in cash.

As a result of Carver financing the purchase note, the CDEs continue to be consolidated and the investor's equity investment of $6.7 million was reflected as non-controlling interest in the Statement of Financial Condition. The sale of the equity interest in the CDEs provides the investor with rights to the new markets tax credits on a prospective basis. A portion of non-controlling interest is transferred to the controlling interest as the investor earns the tax credits. In March 2015, the investor exercised its option to sell the equity interest in the CDEs back to Carver. Under the current arrangement, the Bank has a contingent obligation to reimburse the investor for any loss or shortfall incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investor's ability to otherwise utilize tax credits stemming from the award.

In May 2009, CCDC received a second NMTC award of $65 million. During the period from December 2009 to December 2010, CCDC transferred rights to investors in NMTC projects (entities CDE 13-19). CCDC has a contingent obligation to reimburse the investor for any losses or shortfalls incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investors' ability to otherwise utilize tax credits stemming from the award.

In August 2011, CCDC received a third NMTC award of $25 million. In January 2012 and September 2012, CCDC transferred rights to investors in NMTC projects (CDEs 20 and 21). CCDC has a contingent obligation to reimburse the investors for any losses or shortfalls incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investors' ability to otherwise utilize tax credits stemming from the award.

CCDC established various special purpose entities (CDEs 22-25) through which its investments in NMTC eligible activities will be conducted. As of March 31, 2015, there have been no activities in these entities.


NOTE 18.	QUARTERLY FINANCIAL DATA (UNAUDITED)

The following tables set forth certain unaudited financial data for our quarterly operations in fiscal 2015 and 2014. The following information has been prepared on the same basis as the annual information presented elsewhere in this report and, in the opinion of management, includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the information for the quarterly periods presented. The operating results for any quarter are not necessarily indicative of results for any future period.



$ in thousands, except per share data	June 30, 2014			September 30, 2014			December 31, 2014			March 31, 2015
Fiscal 2015
Interest income	$	5,758		$	5,590		$	5,265		$	5,714
Interest expense	(991		)	(992		)	(1,013		)	(946		)
Net interest income	4,767			4,598			4,252			4,768
Recovery of loan losses	780			713			1,151			365
Non-interest income	1,202			1,562			1,408			1,394
Non-interest expense	(6,547		)	(6,753		)	(6,789		)	(6,622		)
Income tax expense	(16		)	(57		)	(62		)	(31		)
Net loss (income) attributable to noncontrolling interest	(17		)	147			151			—
Net income attributable to Carver Bancorp, Inc.	$	169		$	210		$	111		$	(126	)
Earnings per common share*
Basic	$	0.05		$	0.06		$	0.03		$	(0.03	)
Diluted	$	0.05		$	0.06		$	0.03		$	(0.03	)

* Difference in total earnings per share to Consolidated Statement of Operations is due to rounding

date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter results. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30. The table below provides the individual line items as originally reported in the third quarter and their revised amounts:



$ in thousands, except per share data	June 30, 2013			September 30, 2013			December 31, 2013			December 31, 2013			March 31, 2014
							(reported)			(adjusted)
Fiscal 2014
Interest income	$	5,569		$	5,942		$	6,004		6,004			$	5,733
Interest expense	(1,009		)	(977		)	(979		)	(979		)	(986		)
Net interest income	4,560			4,965			5,025			5,025			4,747
(Provision for) recovery of loan losses	(831		)	505			1,052			1,052			(300		)
Non-interest income	2,130			1,577			1,210			1,210			1,889
Non-interest expense	(5,280		)	(6,599		)	(7,535		)	(8,251		)	(7,243		)
Income tax expense	(72		)	(16		)	(6		)	(6		)	(8		)
Noncontrolling interest, net of taxes	(93		)	(90		)	147			147			146
Net income (loss) attributable to Carver Bancorp, Inc.	$	414		$	342		$	(107	)	$	(823	)	$	(769	)
Earnings (loss) per common share
Basic	$	0.11		$	0.09		$	(0.03	)	(0.22		)	$	(0.21	)
Diluted	$	0.11		$	0.09		$	(0.03	)	(0.22		)	$	(0.21	)


NOTE 19.	CARVER BANCORP, INC. - PARENT COMPANY ONLY

CONDENSED STATEMENTS OF FINANCIAL CONDITION



	As of March 31,
$ in thousands	2015		2014
Assets
Cash on deposit with subsidiaries	$	4,679	$	4,669
Investment in subsidiaries	66,604		62,310
Other assets	54		70
Total assets	$	71,337	$	67,049

Liabilities and Stockholders' Equity
Borrowings	$	13,403	$	13,403
Accounts payable to subsidiaries	1,249		878
Other liabilities	1,706		1,230
Total liabilities	$	16,358	$	15,511

Stockholders’ equity	54,979		51,538
Total liabilities and stockholders’ equity	$	71,337	$	67,049

CONDENSED STATEMENTS OF INCOME



	Years Ended March 31,
$ in thousands	2015		2014			2013
Income
Equity in net income from subsidiaries	$	1,218	$	14		$	1,561
Other income	21		29			35
Total income	1,239		43			1,596
Expenses
Interest expense on borrowings	446		450			471
Salaries and employee benefits	167		172			181
Shareholder expense	95		82			99
Other	167		175			183
Total expense	875		879			934
Income (loss) before income taxes	364		(836		)	662
Income tax expense	—		—			—
Net income (loss)	$	364	$	(836	)	$	662

CONDENSED STATEMENTS OF CASH FLOW



	Years Ended March 31,
$ in thousands	2015			2014			2013
Cash Flows From Operating Activities
Net income (loss)	$	364		$	(836	)	$	662
Adjustments to reconcile net loss to net cash from operating activities:
Loss (equity) in net income of subsidiaries	(1,218		)	(14		)	(1,561		)
Increase in account receivable from subsidiaries	(2		)	(3		)	(1		)
Increase in other assets	17			(18		)	(9		)
Increase (decrease) in accounts payable to subsidiaries	371			422			399
Increase (decrease) in other liabilities	476			461			386
Other, net	2			3			33
Net cash provided by (used in) operating activities	10			15			(91		)

Cash Flows From Financing Activities
Decrease in borrowings	—			—			—
Redemption of treasury stock, net	—			—			(30		)
Push Down of Capital Raise	—			—			—
Net cash used in financing activities	—			—			(30		)
Net increase (decrease) in cash	10			15			(121		)
Cash and cash equivalents – beginning	4,669			4,654			4,775
Cash and cash equivalents – ending	$	4,679		$	4,669		$	4,654


ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE.

None.


ITEM 9A.	CONTROLS AND PROCEDURES.

(a) Evaluation of Controls and Procedures

Disclosure controls and procedures are the controls and other procedures that are designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is recorded, processed, summarized, and reported within the time periods specified in the SEC’s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is accumulated and communicated to management, including the Chief Executive Officer and Principal Financial Officer, as appropriate, to allow timely decisions regarding required disclosure.

The Company maintains controls and procedures designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the rules and forms of the Securities and Exchange Commission.

As of March 31, 2015, the Company's management, including the Company's Chief Executive Officer (Principal Executive Office) and Chief Financial Officer (Principal Accounting Officer), has evaluated the effectiveness of the Company's disclosure controls and procedures as defined in Rules 13a-15 and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”). In designing and evaluating the disclosure controls and procedures, management recognizes that any controls and procedures, no matter how well designed and operated, can provide only reasonable assurance of achieving the desired control objectives. In addition, the design of disclosure controls and procedures must necessarily reflect the fact that there are resource constraints and that management is required to apply its judgment in evaluating the benefits of possible controls and procedures relative to their costs.

Based on the foregoing evaluation, and in light of the identified material weaknesses discussed below in Management’s Report on Internal Control Over Financial Reporting, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were not effective as of March 31, 2015. Notwithstanding the identified material weaknesses, management believes the consolidated financial statements included in this Annual Report on Form 10-K fairly represent in all material respects our financial condition, results of operations and cash flows at and for the periods presented in accordance with U.S. GAAP.

(b) Management's Report on Internal Control Over Financial Reporting

Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting. The Company's system of internal control is designed under the supervision of management, including the Company's Chief Executive Officer and Principal Financial Officer to provide reasonable assurance regarding the reliability of financial reporting and the preparation of the Company's financial statements for external reporting purposes in accordance with U.S. Generally Accepted Accounting Principles (“GAAP”). The Company's internal control over financial reporting includes policies and procedures that pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect transactions and dispositions of assets; provide reasonable assurances that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP, and that receipts and expenditures are made only in accordance with the authorization of management and the Boards of Directors of the Parent Company and the subsidiary banks; and provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Company's assets that could have a material effect on the Company's financial statements. Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Projections of any evaluation of effectiveness to future periods are subject to the risk that the controls may become inadequate because of changes in conditions or that the degree of compliance with policies and procedures may deteriorate.

As of March 31, 2015, management assessed the effectiveness of the Company's internal control over financial reporting based upon the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) in Internal Control-Integrated Framework (1992). As a result of this assessment, we identified deficiencies in our internal control over financial reporting that we considered to represent material weaknesses. A material weakness is a deficiency, or combination of deficiencies, in internal control over financial reporting such that there is a reasonable possibility that a material misstatement of the company’s annual or interim financial statements will not be prevented or detected on a timely basis. The material weaknesses in internal control over financial reporting relates to the following:


•	We did not effectively assess the sufficiency of technical credit risk management and other resources nor did we conduct an effective risk assessment process on a timely basis in response to changes in key personnel in the credit risk management function and implement process level controls that are responsive to those changes and aligned with the Company’s financial reporting objectives.

•

We did not effectively design and operate our review and process level controls over the accounting and disclosure for the allowance for loan losses and related accounts, specifically, related to process activities over the valuation of impaired loans, accounting for charge-offs on a timely basis, disclosures of risk-rated loans and the accuracy and completeness of factors and assumptions affecting the allowance for losses.

The control deficiencies resulted in certain immaterial misstatements in the financial statement accounts described above that were corrected prior to the issuance of the annual consolidated financial statements. The control deficiencies create a reasonable possibility that a material misstatement to the consolidated financial statements will not be prevented or detected on a timely basis, and therefore we concluded that the deficiencies represent material weaknesses in the Company’s internal control over financial reporting and our internal control over financial reporting was not effective as of March 31, 2015.

This annual report does not include an attestation report of the Company's independent registered public accounting firm regarding internal control over financial reporting. Management's report was not subject to attestation by the Company's registered public accounting firm pursuant to rules of the SEC that permit the Company to provide only management’s report in this annual report.

With respect to the material weaknesses noted in the Form 10-K for fiscal year ended March 31, 2015, with the oversight of senior management and the finance and audit committee, we have begun taking steps and plan to take additional measures to remediate the underlying causes of the material weakness, primarily through the development and implementation of improved process activities and controls, documented procedures and training related to the preparation and handling of the allowance for loan losses. The Company has retained a new Chief Credit Officer who is responsible for the implementation of these improved process activities and controls.

The Company plans to reconsider the adequacy of the risk assessment controls it has in place to identify and assess changes in the external environment, changes in its business operations and key financial and operating management and to evaluate the implications on its business processes and internal controls.

As of March 31, 2014, management had identified a material weakness as discussed in the Form 10-K for fiscal year 2014. Throughout fiscal year 2015, management evaluated the items that led to the material weakness. The primary remediation for these items was to retain qualified, knowledgeable and experienced staff in the Accounting and Finance Department and to develop processes to effectively monitor and manage these concerns. This resulted in two key staff additions with a new Controller and a new Senior Accountant. The primary focus of these two staff members has been to resolve the material weaknesses noted.

(d) Changes in Internal Control over Financial Reporting

Other than the changes noted in paragraph (c) above, there have not been any changes in the Company’s internal control over financial reporting during the fiscal year which this report relates, that materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting. However, the Company’s management is in the process of developing and implementing new processes and procedures to remediate the material weakness identified in the Annual Report on Form 10-K.

There was a material weakness discussed in the Form 10-K for the fiscal year ended March 31, 2014. The material weakness regarded internal control over financial reporting related to the ongoing monitoring and evaluation of the design and conduct of internal controls associated with infrequent process activities. Specifically, weaknesses were noted in lease and pension plan accounting. Management has rectified the weakness noted in lease accounting in accordance with Accounting Standards Codification (ASC) 840. Management has implemented additional controls and is now monitoring lease accounting in accordance with ASC 840. These controls are reviewed monthly to establish assurance that the appropriate general ledger entries are performed on a consistent basis. Reconciliation of the liability account is performed and reviewed on a dual control basis to ensure ongoing compliance.

In addition, another element of the material weakness noted in the Form 10-K for the fiscal year ended March 31, 2014 regarded the treatment of pension plan expense upon the termination of the Company’s pension plan. This item was corrected in fiscal year 2014 and the Company no longer has a pension plan.


ITEM 9B.	OTHER INFORMATION.

None.

PART III


ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS OF THE REGISTRANT AND CORPORATE GOVERNANCE.

Information concerning Executive Officers of the Company which responds to this Item is incorporated by reference from the section entitled “Executive Officers and Key Managers of Carver and Carver Federal” in the Company's definitive proxy statement to be filed in connection with the 2015 Annual Meeting of Stockholders (the “Proxy Statement”). The information that responds to this Item with respect to Directors is incorporated by reference from the section entitled “Election of Directors” in the Proxy Statement. Information with respect to compliance by the Company's Directors and Executive Officers with Section 16(a) of the Exchange Act is incorporated by reference from the subsection entitled “Section 16 (a) Beneficial Ownership Reporting Compliance” in the Proxy Statement.

Information regarding the audit committee of the Company's Board of Directors, including information regarding audit committee financial experts serving on the audit committee, is presented under the heading “Corporate Governance” in the Company's Proxy Statement and is incorporated herein by reference. Information regarding the process for shareholder nomination of directors is incorporated by reference from the Proxy Statement and presented under the heading “Corporate Governance.”


ITEM 11.	EXECUTIVE COMPENSATION.

The information required in response to this Item is incorporated by reference from the section entitled “Compensation of Directors and Executive Officers” in the Proxy Statement.


ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS.

The information required in response to this Item is incorporated by reference from the section entitled “Security Ownership of Certain Beneficial Owners and Management” in the Proxy Statement.


ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE.

The information required in response to this Item is incorporated by reference from the section entitled “Transactions with Certain Related Persons” in the Proxy Statement.


ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES.

The information required in response to this Item is incorporated by reference from the section entitled “Auditor Fee Information” in the Proxy Statement.

PART IV


ITEM 15.	EXHIBITS, FINANCIAL STATEMENT SCHEDULES.


I.	List of Documents Filed as Part of this Annual Report on Form 10-K


A.	The following consolidated financial statements are included in Item 8 of this Annual Report:


1.	Report of Independent Registered Public Accounting Firm


2.	Consolidated Statements of Financial Condition as of March 31, 2015 and 2014


3.	Consolidated Statements of Operations for the years ended March 31, 2015 and 2014


4.	Consolidated Statements of Comprehensive Income (Loss) for the years ended March 31, 2015 and 2014


5.	Consolidated Statements of Changes in Stockholders' Equity for the years ended March 31, 2015 and 2014


6.	Consolidated Statements of Cash Flows for the years ended March 31, 2015 and 2014


7.	Notes to Consolidated Financial Statements.


B.	Financial Statement Schedules. Financial statement schedules are included in Item 8 of this Annual Report.


II.	Exhibits required by Item 601 of Regulation S-K:


A.	See Exhibit Index

III. Exhibits required by Rule 405 of Regulation S-T


A.	See Exhibit Index

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.



		CARVER BANCORP, INC.

June 29, 2015	By	/s/ Michael T. Pugh
		Michael T. Pugh
		President and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, this report has been signed below on June 29, 2015 by the following persons on behalf of the Registrant and in the capacities indicated.



/s/ Michael T. Pugh	President and Chief Executive Officer
Michael T. Pugh	(Principal Executive Officer)

/s/ David L. Toner	First Senior Vice President and Chief Financial Officer
David L. Toner	(Principal Accounting Officer and Principal Financial Officer)

/s/ Deborah C. Wright	Chairman
Deborah C. Wright

/s/ Dr. Samuel J. Daniel	Director
Samuel J. Daniel

/s/ Ingrid LaMae deJongh	Director
Ingrid LaMae deJongh

/s/ Colvin W. Grannum	Director
Colvin W. Grannum

/s/ Robert Holland, Jr.	Lead Director
Robert Holland, Jr.

/s/ Pazel G. Jackson, Jr.	Director
Pazel G. Jackson, Jr.

/s/ Lewis P. Jones III	Director
Lewis P. Jones III

/s/ Kenneth J. Knuckles	Director
Kenneth J. Knuckles

/s/ Janet L. Rollé	Director
Janet L. Rollé

/s/ Robert R. Tarter	Director
Robert R. Tarter

/s/ Susan M. Tohbe	Director
Susan M. Tohbe

100

EXHIBIT INDEX



Exhibit Number		Description
3.1		Certificate of Incorporation of Carver Bancorp, Inc. ⁽¹⁾
3.2		Second Amended and Restated Bylaws of Carver Bancorp, Inc. ⁽⁷⁾
4.1		Stock Certificate of Carver Bancorp, Inc. ⁽¹⁾
4.2		Certificate of Designations of Fixed Rate Cumulative Perpetual Preferred Stock, Series A ⁽²⁾
10.1		Carver Bancorp, Inc. 1995 Stock Option Plan, effective as of September 12, 1995 ⁽¹⁾
10.2		Carver Federal Savings Bank 401(k) Savings Plan in RSI Retirement Trust, as amended and restated effective as of January 1, 1997 and including provisions effective through January 1, 2002 ⁽⁶⁾
10.3		Carver Federal Savings Bank Deferred Compensation Plan, effective as of August 10, 1993 ⁽¹⁾
10.4		Carver Federal Savings Bank Retirement Plan for Non-employee Directors, effective as of October 24, 1994 ⁽¹⁾
10.5		Carver Bancorp, Inc. Management Recognition Plan, effective as of September 12, 1995⁽¹⁾
10.6		Carver Bancorp, Inc. Incentive Compensation Plan, effective as of September 12, 1995 ⁽¹⁾
10.7		Amendment to the Carver Bancorp, Inc. 1995 Stock Option Plan ⁽³⁾
10.8		Form of Letter Employment Agreement between Executive Officers and Carver Bancorp, Inc.⁽⁴⁾
10.9		Carver Bancorp, Inc. Compensation Plan for Non-Employee Directors ^{(6) (*)}
10.10		First Amendment to the Restatement of the Carver Federal Savings Bank 401(k) Savings Plan⁽⁶⁾
10.11		Second Amendment to the Restatement of the Carver Federal Savings Bank 401(k) Savings Plan for EGTRRA⁽⁶⁾
10.12		Guarantee Agreement by and between Carver Bancorp, Inc. and U.S. Bank National Association, dated as of September 17, 2003⁽⁵⁾
10.13		Amended and Restated Declaration of Trust by and among, U.S. Bank National Association, as Institutional Trustee, Carver Bancorp, Inc., as Sponsor, and Linda Dunn, William Gray and Deborah Wright, as Administrators, dated as of September 17, 2003 ⁽⁵⁾
10.14		Indenture, dated as of September 17, 2003, between Carver Bancorp, Inc., as Issuer, and U.S. Bank National Association, as Trustee ⁽⁵⁾
10.15		Second Amendment to the Carver Bancorp, Inc. Management Recognition Plan, effective as of September 23, 2003⁽⁸⁾
10.16		Amended Share Voting Stipulation and Undertaking made by Carver Bancorp, Inc. in favor of the OTS, made as of April 22, 2004⁽⁸⁾
10.17		Trust Agreement between Carver Bancorp, Inc. and American Stock & Transfer Trust Company, dated May 3, 2004⁽⁸⁾
10.18		Carver Bancorp, Inc. 2006 Stock Incentive Plan, effective as of September 12, 2006⁽¹⁰⁾
10.19		Performance Compensation Plan of Carver Bancorp, Inc. effective as of December 14, 2006^{( 14)}
10.20		Amendment to the Carver Bancorp, In. Stock Incentive Plan ⁽¹¹⁾
10.21		Amendment to the Carver Bancorp, Inc. Performance Compensation Plan⁽¹¹⁾
10.22		Employment Agreement Entered into as of January 1, 2015 Between Carver Federal Savings Bank and Michael T. Pugh ^{(12) (*)}
10.23		Carver Bancorp, Inc. 2014 Equity Incentive Plan ⁽¹³⁾
14		Code of ethics⁽⁹⁾
21.1		Subsidiaries of the Registrant
23.1		Consent of Independent Registered Public Accounting Firm
31.1		Certifications of Chief Executive Officer
31.2		Certifications of Chief Financial Officer
32.1		Written Statement of Chief Executive Officer furnished pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350
32.2		Written Statement of Chief Financial Officer furnished pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350
Exhibits 101		Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Statements of Condition, (ii) the Consolidated Statements of Operations, (iii) the Consolidated Statements of Comprehensive Income (iv) the Consolidated Statements Changes in Stockholders Equity, (v) the Consolidated Statements of Cash Flows, (vi) the Notes to the Consolidated Financial Statements tagged as blocks of texts and in detail


⁽¹⁾	Incorporated herein by reference to Registration Statement No. 333-5559 on Form S-4 of the Registrant filed with the Securities and Exchange Commission on June 7, 1996.


⁽²⁾	Incorporated herein by reference to the Exhibits to the Registrant's Report on Form 8-K filed with the Securities and Exchange Commission on January 22, 2009.


⁽³⁾	Incorporated herein by reference to the Registrant's Proxy Statement dated January 25, 2001.

101


⁽⁴⁾	Incorporated herein by reference to the Exhibits to the Registrant's Annual Report on Form 10-K for the fiscal year ended March 31, 2001.


⁽⁵⁾	Incorporated herein by reference to the Exhibits to the Registrant's Quarterly Report on Form 10-Q for the three months ended September 30, 2003.


⁽⁶⁾	Incorporated herein by reference to the Exhibits to the Registrant's Annual Report on Form 10-K for the fiscal year ended March 31, 2003.


⁽⁷⁾	Incorporated herein by reference to the Exhibits to the Registrant's Report on Form 8-K filed with the Securities and Exchange Commission on December 19, 2007.


⁽⁸⁾	Incorporated herein by reference to the Exhibits to the Registrant's Annual Report on Form 10-K for the fiscal year ended March 31, 2004.


⁽⁹⁾	Incorporated herein by reference to the Exhibits to the Registrant's Annual Report on Form 10-K for the fiscal year ended March 31, 2006.


⁽¹⁰⁾	Incorporated herein by reference to the Exhibits to the Registrant's Definitive Proxy Statement on Form 14A filed with the Securities and Exchange Commission on July 31, 2006.


⁽¹¹⁾	Incorporated herein by reference to the Exhibits to the Registrant's Quarterly Report on Form 10-Q for the quarter ended December 31, 2009, filed with the Securities and Exchange Commission on February 17, 2009.


⁽¹²⁾	Incorporated herein by reference to the Registrant's Report on Form 8-K filed with the Securities and Exchange Commission on April 22, 2015.


⁽¹³⁾	Incorporated herein by reference to the Registrant's Definitive Proxy Statement on Form 14A for the 2014 Annual Meeting of Stockholders filed with the Securities and Exchange Commission on July 29, 2014.


⁽¹⁴⁾	Incorporated herein by reference to the Exhibits to the Registrant's Annual Report on Form 10-K for the fiscal year ended March 31, 2007.

102

EX-21.1 2 fy2015-ex211.htm EXHIBIT 21.1 FY2015 - Ex 21.1

Exhibit 21.1

CARVER BANCORP, INC.

Subsidiaries of Registrant



	Ownership Percentage		State of Incorporation	Description

Carver Bancorp, Inc.			Delaware	Holding Company

Carver Federal Savings Bank	100	%	New York	Federal Savings Bank
CSFB Credit Corp.	100	%	New York	Inactive
CSFB Realty Corp.	100	%	New York	Real Estate Holding Company
Carver Asset Corp.	100	%	Delaware	Real Estate Investment Trust

Carver Community Development Corporation	100	%	Delaware	Community Development
Sub CDE 1, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 2, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 3, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 4, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 5, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 6, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 7, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 8, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 9, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 10, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 11, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 12, LLC	99.99% ¹		Delaware	Lending Vehicle for NMTC
Sub CDE 13, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 14, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 15, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 16, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 17, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 18, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 19, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 20, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 21, LLC	00.00% ^{1, 2}		Delaware	Lending Vehicle for NMTC
Sub CDE 22, LLC	99.00% ³		Delaware	Inactive
Sub CDE 23, LLC	99.00% ³		Delaware	Inactive
Sub CDE 24, LLC	99.00% ³		Delaware	Inactive
Sub CDE 25, LLC	99.00% ³		Delaware	Inactive
Alhambra Holdings Corp.	100	%	Delaware	Inactive

⁽¹⁾ Also owned 0.01% by Carver Community Development Corporation
⁽²⁾ 99.99% owned by an investment vehicle controlled by an investor unaffiliated with Carver. Carver may provide services for the investment vehicle
⁽³⁾ Also owned 1.00% by Carver Community Development Corporation
In addition, Carver Bancorp, Inc. has created Carver Statutory Trust I to raise capital for its operations.

EX-23.1 3 fy2015-ex231.htm EXHIBIT 23.1 FY2015 - EX 23.1

Exhibit 23.1

Consent of Independent Registered Public Accounting Firm

The Board of Directors

Carver Bancorp, Inc.:

We consent to the incorporation by reference in Registration Statement No. 333-152698 on Form S-8 and Registration Statement No. 333-177054 on Form S-1 of Carver Bancorp, Inc. of our report dated June 29, 2015 relating to the consolidated statements of financial condition of Carver Bancorp, Inc. and subsidiaries as of March 31, 2015 and 2014, and the related consolidated statements of operations and comprehensive income (loss), changes in equity, and cash flows for each of the years in the two-year period ended March 31, 2015, which report appears in the March 31, 2015 annual report on Form 10-K of Carver Bancorp, Inc.

New York, New York

June 29, 2015

EX-31.1 4 fy2015-ex311.htm EXHIBIT 31.1 FY2015 - EX31.1

Exhibit 31.1

CERTIFICATIONS

I, Michael T. Pugh, certify that:


1.	I have reviewed this Annual Report on Form 10-K of Carver Bancorp, Inc.;


2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;


3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;


4.	The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and we have:


a)	Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;


b)	Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;


c)	Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and


d)	Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting.


5.	The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal controls over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):


a)	All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and


b)	Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.



Date:	June 29, 2015	/s/ Michael T. Pugh
		Michael T. Pugh
		President and Chief Executive Officer

EX-32.1 5 fy2015-ex312.htm EXHIBIT 32.1 FY2015 - EX31.2

Exhibit 31.2

CERTIFICATIONS

I, David L. Toner, certify that:


1.	I have reviewed this Annual Report on Form 10-K of Carver Bancorp, Inc.;


2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;


3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;


4.	The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and we have:


a)	Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;


b)	Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;


c)	Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and


d)	Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting.


5.	The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal controls over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):


a)	All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and


b)	Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.



Date:	June 29, 2015	/s/ David L. Toner
		David L. Toner
		First Senior Vice President and Chief Financial Officer
		Principal Accounting Officer and Principal Financial Officer

EX-32.2 6 fy2015-ex321.htm EXHIBIT 32.2 FY2015 - EX32.1

Exhibit 32.1

CERTIFICATION FURNISHED PURSUANT TO SECTION 906 OF THE

SARBANES-OXLEY ACT OF 2002, 18 U.S.C SECTION 1350

The undersigned, Michael T. Pugh, is the President and Chief Executive Officer of Carver Bancorp, Inc. (the “Company”).

This certification is being furnished in connection with the filing by the Company of the Company's Annual Report on Form 10‑K for the year ended March 31, 2015 (the “Report”).

I certify that:


a)	the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m(a) or 78o(d)); and


b)	the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods covered by the Report.



Date:	June 29, 2015	/s/ Michael T. Pugh
		Michael T. Pugh
		President and Chief Executive Officer

EX-32.2 7 fy2015-ex322.htm EXHIBIT 32.2 FY2015 - EX32.2

Exhibit 32.2

CERTIFICATION FURNISHED PURSUANT TO SECTION 906 OF THE

SARBANES-OXLEY ACT OF 2002, 18 U.S.C SECTION 1350

The undersigned, David L. Toner, is the First Senior Vice President and Chief Financial Officer of Carver Bancorp, Inc. (the “Company”).

This certification is being furnished in connection with the filing by the Company of the Company's Annual Report on Form 10‑K for the year ended March 31, 2015 (the “Report”).

By execution of this statement, I certify that:


a)	the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m(a) or 78o(d)); and


b)	the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods covered by the Report.



Date:	June 29, 2015	/s/ David L. Toner
		David L. Toner
		First Senior Vice President and Chief Financial Officer

EX-101.INS 8 carv-20150331.xml XBRL INSTANCE DOCUMENT 0001016178 2014-04-01 2015-03-31 0001016178 2013-04-01 2014-03-31 0001016178 2015-03-31 0001016178 2014-09-30 0001016178 2014-03-31 0001016178 us-gaap:NoncontrollingInterestMember 2013-04-01 2014-03-31 0001016178 us-gaap:RetainedEarningsMember 2014-04-01 2015-03-31 0001016178 us-gaap:PreferredStockMember 2014-04-01 2015-03-31 0001016178 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-04-01 2014-03-31 0001016178 us-gaap:CommonStockMember 2013-04-01 2014-03-31 0001016178 us-gaap:PreferredStockMember 2013-04-01 2014-03-31 0001016178 us-gaap:CommonStockMember 2014-04-01 2015-03-31 0001016178 us-gaap:PreferredStockMember 2014-03-31 0001016178 us-gaap:AdditionalPaidInCapitalMember 2013-04-01 2014-03-31 0001016178 us-gaap:PreferredStockMember 2015-03-31 0001016178 us-gaap:TreasuryStockMember 2014-04-01 2015-03-31 0001016178 us-gaap:TreasuryStockMember 2015-03-31 0001016178 us-gaap:NoncontrollingInterestMember 2014-04-01 2015-03-31 0001016178 us-gaap:RetainedEarningsMember 2014-03-31 0001016178 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-04-01 2015-03-31 0001016178 us-gaap:RetainedEarningsMember 2013-04-01 2014-03-31 0001016178 us-gaap:NoncontrollingInterestMember 2015-03-31 0001016178 us-gaap:NoncontrollingInterestMember 2014-03-31 0001016178 us-gaap:TreasuryStockMember 2013-04-01 2014-03-31 0001016178 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-03-31 0001016178 us-gaap:CommonStockMember 2015-03-31 0001016178 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-03-31 0001016178 us-gaap:TreasuryStockMember 2014-03-31 0001016178 us-gaap:AdditionalPaidInCapitalMember 2014-04-01 2015-03-31 0001016178 us-gaap:RetainedEarningsMember 2015-03-31 0001016178 us-gaap:PreferredStockMember 2013-03-31 0001016178 us-gaap:AdditionalPaidInCapitalMember 2013-03-31 0001016178 us-gaap:AdditionalPaidInCapitalMember 2015-03-31 0001016178 us-gaap:CommonStockMember 2013-03-31 0001016178 2013-03-31 0001016178 us-gaap:AdditionalPaidInCapitalMember 2014-03-31 0001016178 us-gaap:CommonStockMember 2014-03-31 0001016178 us-gaap:TreasuryStockMember 2013-03-31 0001016178 us-gaap:NoncontrollingInterestMember 2013-03-31 0001016178 us-gaap:RetainedEarningsMember 2013-03-31 0001016178 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-03-31 0001016178 2013-09-30 0001016178 2011-04-01 2011-12-31 0001016178 2011-10-01 2011-12-31 0001016178 2011-10-28 0001016178 1994-10-24 0001016178 2011-04-01 2011-06-30 0001016178 2011-10-27 0001016178 2011-06-29 0001016178 2013-10-01 2013-12-31 0001016178 us-gaap:MortgageBackedSecuritiesMember 2015-03-31 0001016178 us-gaap:MortgageBackedSecuritiesOtherMember 2015-03-31 0001016178 us-gaap:GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember 2014-04-01 2015-03-31 0001016178 us-gaap:MortgageBackedSecuritiesMember 2014-04-01 2015-03-31 0001016178 us-gaap:FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember 2015-03-31 0001016178 us-gaap:GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember 2015-03-31 0001016178 us-gaap:OtherDebtSecuritiesMember 2015-03-31 0001016178 us-gaap:OtherDebtSecuritiesMember 2014-04-01 2015-03-31 0001016178 us-gaap:FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember 2015-03-31 0001016178 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2014-04-01 2015-03-31 0001016178 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2015-03-31 0001016178 us-gaap:FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember 2014-04-01 2015-03-31 0001016178 us-gaap:FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember 2014-04-01 2015-03-31 0001016178 us-gaap:MortgageBackedSecuritiesOtherMember 2014-04-01 2015-03-31 0001016178 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2013-04-01 2014-03-31 0001016178 us-gaap:OtherDebtSecuritiesMember 2014-03-31 0001016178 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2014-03-31 0001016178 us-gaap:MortgageBackedSecuritiesMember 2014-03-31 0001016178 us-gaap:MortgageBackedSecuritiesMember 2013-04-01 2014-03-31 0001016178 us-gaap:OtherDebtSecuritiesMember 2013-04-01 2014-03-31 0001016178 us-gaap:MortgageBackedSecuritiesOtherMember 2013-04-01 2014-03-31 0001016178 us-gaap:FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember 2013-04-01 2014-03-31 0001016178 us-gaap:GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember 2014-03-31 0001016178 us-gaap:FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember 2014-03-31 0001016178 us-gaap:GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember 2013-04-01 2014-03-31 0001016178 us-gaap:FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember 2014-03-31 0001016178 us-gaap:FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember 2013-04-01 2014-03-31 0001016178 us-gaap:MortgageBackedSecuritiesOtherMember 2014-03-31 0001016178 2012-04-01 2013-03-31 0001016178 2012-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember 2014-03-31 0001016178 carv:MultifamilyLoansMember 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember 2015-03-31 0001016178 us-gaap:ConsumerLoanMember 2014-03-31 0001016178 carv:OneToFourFamilyLoansMember 2014-03-31 0001016178 us-gaap:ConsumerLoanMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember 2014-03-31 0001016178 carv:MultifamilyLoansMember 2014-03-31 0001016178 us-gaap:CommercialLoanMember 2014-03-31 0001016178 carv:OneToFourFamilyLoansMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember 2012-04-01 2013-03-31 0001016178 us-gaap:ConstructionLoansMember 2012-04-01 2013-03-31 0001016178 us-gaap:CommercialLoanMember 2013-04-01 2014-03-31 0001016178 carv:OneToFourFamilyLoansMember 2013-04-01 2014-03-31 0001016178 us-gaap:ConstructionLoansMember 2014-04-01 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember 2013-04-01 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember 2012-04-01 2013-03-31 0001016178 us-gaap:CommercialLoanMember 2014-04-01 2015-03-31 0001016178 carv:OneToFourFamilyLoansMember 2014-04-01 2015-03-31 0001016178 carv:OneToFourFamilyLoansMember 2012-04-01 2013-03-31 0001016178 carv:MultifamilyLoansMember 2013-04-01 2014-03-31 0001016178 carv:MultifamilyLoansMember 2014-04-01 2015-03-31 0001016178 carv:MultifamilyLoansMember 2012-04-01 2013-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember 2014-04-01 2015-03-31 0001016178 us-gaap:ConstructionLoansMember 2013-04-01 2014-03-31 0001016178 us-gaap:ConsumerLoanMember 2014-04-01 2015-03-31 0001016178 us-gaap:ConsumerLoanMember 2013-04-01 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember 2013-03-31 0001016178 us-gaap:ConsumerLoanMember 2013-03-31 0001016178 carv:OneToFourFamilyLoansMember 2013-03-31 0001016178 us-gaap:ConstructionLoansMember 2013-03-31 0001016178 us-gaap:CommercialLoanMember 2013-03-31 0001016178 carv:MultifamilyLoansMember 2013-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:SubstandardMember 2015-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:SpecialMentionMember 2015-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:PassMember 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SpecialMentionMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:DoubtfulMember 2015-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2015-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:SubstandardMember 2015-03-31 0001016178 us-gaap:ConsumerLoanMember us-gaap:NonperformingFinancingReceivableMember 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2015-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:DoubtfulMember 2015-03-31 0001016178 carv:OneToFourFamilyLoansMember us-gaap:PerformingFinancingReceivableMember 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SubstandardMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember 2015-03-31 0001016178 us-gaap:ConsumerLoanMember us-gaap:PerformingFinancingReceivableMember 2015-03-31 0001016178 carv:OneToFourFamilyLoansMember us-gaap:NonperformingFinancingReceivableMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:PassMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2015-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PassMember 2015-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:PassMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2015-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:PassMember 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SpecialMentionMember 2014-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2014-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:PassMember 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:SubstandardMember 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2014-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2014-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2014-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:PassMember 2014-03-31 0001016178 us-gaap:ConsumerLoanMember us-gaap:PerformingFinancingReceivableMember 2014-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:DoubtfulMember 2014-03-31 0001016178 us-gaap:ConsumerLoanMember us-gaap:NonperformingFinancingReceivableMember 2014-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2014-03-31 0001016178 us-gaap:ConstructionLoansMember us-gaap:SubstandardMember 2014-03-31 0001016178 carv:OneToFourFamilyLoansMember us-gaap:NonperformingFinancingReceivableMember 2014-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:UnlikelyToBeCollectedFinancingReceivableMember 2014-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:SpecialMentionMember 2014-03-31 0001016178 carv:OneToFourFamilyLoansMember us-gaap:PerformingFinancingReceivableMember 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PassMember 2014-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:SubstandardMember 2014-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:SpecialMentionMember 2014-03-31 0001016178 us-gaap:CommercialLoanMember us-gaap:DoubtfulMember 2014-03-31 0001016178 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:DoubtfulMember 2014-03-31 0001016178 carv:MultifamilyLoansMember us-gaap:SubstandardMember 2014-03-31 0001016178 us-gaap:FurnitureAndFixturesMember 2014-03-31 0001016178 us-gaap:FurnitureAndFixturesMember 2015-03-31 0001016178 us-gaap:BuildingAndBuildingImprovementsMember 2014-03-31 0001016178 us-gaap:LandMember 2014-03-31 0001016178 us-gaap:BuildingAndBuildingImprovementsMember 2015-03-31 0001016178 us-gaap:LeaseholdImprovementsMember 2015-03-31 0001016178 us-gaap:LandMember 2015-03-31 0001016178 us-gaap:LeaseholdImprovementsMember 2014-03-31 0001016178 carv:A2399InterestRateMember 2015-03-31 0001016178 carv:A4AndOverInterestRateMember 2015-03-31 0001016178 carv:A0099InterestRateMember 2014-04-01 2015-03-31 0001016178 carv:A0099InterestRateMember 2015-03-31 0001016178 carv:A4AndOverInterestRateMember 2014-04-01 2015-03-31 0001016178 carv:A1199InterestRateMember 2015-03-31 0001016178 carv:A2399InterestRateMember 2014-04-01 2015-03-31 0001016178 carv:A1199InterestRateMember 2014-04-01 2015-03-31 0001016178 2003-09-17 0001016178 2002-04-01 2003-03-31 0001016178 2009-07-01 2009-09-30 0001016178 2011-04-01 2011-09-30 0001016178 1994-10-01 1994-12-31 0001016178 carv:A2014StockIncentivePlanMemberMember 2015-03-31 0001016178 carv:A1995StockOptionPlanMember 2015-03-31 0001016178 carv:A2006StockIncentivePlanMember 2015-03-31 0001016178 2005-04-01 2006-03-31 0001016178 carv:ManagementRecognitionPlanMember 2014-04-01 2015-03-31 0001016178 2006-09-30 0001016178 2006-06-01 2006-09-30 0001016178 carv:ManagementRecognitionPlanMember 2012-04-01 2013-03-31 0001016178 1995-03-31 0001016178 carv:ManagementRecognitionPlanMember 2013-04-01 2014-03-31 0001016178 carv:A2850029985Member 2015-03-31 0001016178 carv:A2850029985Member 2014-04-01 2015-03-31 0001016178 carv:A2550026985Member 2015-03-31 0001016178 carv:A2400025485Member 2015-03-31 0001016178 carv:A900010485Member 2015-03-31 0001016178 carv:A2400025485Member 2014-04-01 2015-03-31 0001016178 carv:A900010485Member 2014-04-01 2015-03-31 0001016178 carv:A2550026985Member 2014-04-01 2015-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2013-04-01 2014-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2014-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2013-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2012-03-31 0001016178 us-gaap:FairValueInputsLevel1Member 2014-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2015-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2014-03-31 0001016178 us-gaap:FairValueInputsLevel2Member 2014-03-31 0001016178 us-gaap:FairValueInputsLevel1Member 2015-03-31 0001016178 us-gaap:FairValueInputsLevel2Member 2015-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2014-04-01 2015-03-31 0001016178 us-gaap:FairValueInputsLevel3Member 2015-03-31 0001016178 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2014-03-31 0001016178 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2014-03-31 0001016178 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-03-31 0001016178 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2015-03-31 0001016178 carv:Cde19Cde1112Member 2015-03-31 0001016178 carv:Cde13Member 2014-04-01 2015-03-31 0001016178 carv:Cde18Member 2015-03-31 0001016178 carv:CarverStatutoryTrust1MemberMember 2014-04-01 2015-03-31 0001016178 carv:Cde13Member 2015-03-31 0001016178 carv:Cde151617Member 2015-03-31 0001016178 carv:Cde14Member 2015-03-31 0001016178 carv:CdeTwentyoneMember 2015-03-31 0001016178 carv:Cde14Member 2014-04-01 2015-03-31 0001016178 carv:Cde20Member 2015-03-31 0001016178 carv:Cde19Member 2015-03-31 0001016178 carv:CarverStatutoryTrust1MemberMember 2015-03-31 0001016178 carv:Cde19Member 2014-04-01 2015-03-31 0001016178 carv:Cde10Member 2015-03-31 0001016178 carv:CdeTwentyoneMember 2014-04-01 2015-03-31 0001016178 carv:Cde10Member 2014-04-01 2015-03-31 0001016178 carv:Cde19Cde1112Member 2014-04-01 2015-03-31 0001016178 carv:Cde20Member 2014-04-01 2015-03-31 0001016178 carv:Cde18Member 2014-04-01 2015-03-31 0001016178 carv:Cde151617Member 2014-04-01 2015-03-31 0001016178 2009-05-15 0001016178 2010-12-30 0001016178 carv:Cde19Cde1112Member 2010-12-31 0001016178 carv:CarverStatutoryTrust1MemberMember 2013-03-31 0001016178 2011-09-30 0001016178 2006-04-28 0001016178 carv:Cde10Member 2008-03-31 0001016178 2013-04-01 2013-06-30 0001016178 2014-01-01 2014-03-31 0001016178 us-gaap:ScenarioPreviouslyReportedMember 2013-10-01 2013-12-31 0001016178 us-gaap:RestatementAdjustmentMember 2013-10-01 2013-12-31 0001016178 2013-07-01 2013-09-30 0001016178 2014-04-01 2014-06-30 0001016178 2014-10-01 2014-12-31 0001016178 2014-07-01 2014-09-30 0001016178 2015-01-01 2015-03-31 0001016178 us-gaap:ParentCompanyMember 2015-03-31 0001016178 us-gaap:ParentCompanyMember 2014-03-31 0001016178 us-gaap:ParentCompanyMember 2013-04-01 2014-03-31 0001016178 us-gaap:ParentCompanyMember 2012-04-01 2013-03-31 0001016178 us-gaap:ParentCompanyMember 2014-04-01 2015-03-31 0001016178 us-gaap:ParentCompanyMember 2013-03-31 0001016178 us-gaap:ParentCompanyMember 2012-03-31 iso4217:USD xbrli:shares xbrli:shares xbrli:pure iso4217:USD 0 0 1200000 1600000 30000 0.0187 0.0128 0.0160 0.0155 0.0025 0.30 -7000 -51000 0.0450 20045000 67244000 0.1510 -4200000 782000 977000 64000 68000 44000 23000 5800000 -1363000 1132000 0 752000 464000 47200000 33900000 -1.377 -1.541 0.000 47199000 0.1060 -97000 0 11596000 0 11596000 0 10588000 0 10588000 0 10431000 0 10431000 0 10857000 0 10857000 0 37400000 33600000 30600000 5665000 0 5665000 0 5527000 0 5527000 0 129000 0.0262 0.0270 0.0266 0 43000 0 0 2000 0 3000000 4000000 8115000 0 0 8115000 6519000 0 0 6519000 1000 -129000 10000 0 -10000 -55000 5750000 30972000 24095000 23376000 100000 1180000 0 59000000 65000000 25000000 8 34 23 14 12 10 0 0 1 0.09 0.13 1.00 2075000 2045000 2250000 2336000 6900000 9531000 0 9531000 0 16316000 0 16316000 0 432000 716000 0.70 0.000 1.0000 0.5287 0.3919 0.0794 0.0000 1.0000 1.0000 0.312 0.688 0.895 0.105 1.00 0.12 0.29 0.07 0.51 0.01 0.00 1.00 0.19 0.26 0.15 0.39 0.01 0.00 0.1045 0.0961 0.0044 0.0044 -0.332 45000 34000 0 -30000 5000000 0.07 0.12 0.02 103262000 114152000 -2720000 -57000 -2335000 -1090000 38238000 58499000 55970000 12943000 94208000 71442000 99000 82000 95000 18403000 18403000 18403000 13000 18403000 18403000 18403000 0.0311 0.0299 0.0298 6300000 4600000 18026000 9977000 7886000 159000 4000 934000 879000 875000 76429000 74738000 49382000 35636000 0 0 0 0 0 0 0 0 0 0 0 0 13000000 13000000 13000000 0 0 0 0 0 0 0 0 0 400000 0 400000 0 1000 1000 2000 1000 0 1000 1000 1000 19000000 40000000 149000000 0 19000000 10500000 10000000 20500000 13254000 40000000 10746000 12500000 12500000 63718000 13400000 7410000 4096000 3901000 7997000 5170000 7800000 4192000 4876000 4876000 117600000 13400000 8000 10567000 10034000 20711000 13282000 14186000 10922000 12219000 12271000 0.0173 0.0153 0.0469 0.0600 0.1200 0.0825 0.0660 0.0551 0.0600 0.1200 0.0825 0.0660 false --03-31 FY 2015 2015-03-31 10-K 0001016178 3696087 Yes Non-accelerated Filer 33671353 CARVER BANCORP INC No No

319000

345000

99000

19599000

24012000

1064000

-4768000

-1045000

-501000

563000

-4768000

-1045000

56114000

55468000

52000000

65000000

65000

2000

27000

10000

-5903000

-4540000

-98000

-2887000

-966000

-574000

-15000

-1286000

-687000

-320000

-279000

639838000

67049000

676386000

71337000

89726000

89412000

314000

101395000

101138000

257000

102230000

50000

89461000

49000

89412000

49000

89461000

11596000

10431000

5665000

27741000

49000

9531000

52189000

101185000

47000

101138000

47000

101185000

10588000

10857000

5527000

27019000

47000

16316000

57850000

94233000

12160000

10897000

5972000

29078000

49000

10000000

55155000

102230000

10705000

10925000

5575000

27252000

47000

16514000

58464000

4800000

1000000

-4615000

3723000

-2335000

-1015000

-1320000

-1090000

-287000

-198000

-605000

89412000

27692000

9531000

52189000

71442000

22297000

9802000

39343000

-2437000

-322000

-469000

-1646000

-57000

51174000

7569000

9531000

34074000

12943000

38238000

20123000

18115000

58499000

22297000

9802000

26400000

27711000

27394000

16481000

16483000

52505000

51775000

5533000

174000

513000

8000

2000

102000

10000

35000

9000

54000

48000

-4772000

-564000

-466000

-307000

-1337000

-469000

-2966000

-1147000

-127000

-103000

-57000

-287000

-198000

-662000

0.1300

0.0800

0.2012

0.1678

6700000

4775000

4654000

4669000

4679000

104646000

122554000

50992000

122554000

50992000

-121000

17908000

15000

-71562000

10000

115239000

44864000

12135000

45524000

0.01

10000000

2314375

3697836

3698031

2492415

3695892

3696087

61000

-5451000

4087000

67141000

55656000

28701000

4612000

1208039

45118000

45118

149000

-35000

179000

137000

166000

70403000

13403000

83403000

13403000

0.0305

-46000

-671000

24049000

24047000

0.0

29200000

23400000

15181000

17394000

52700000

577000

947000

2175000

2207000

193000

-162000

2373000

1681000

1908000

448000

-24095000

23376000

-46000

-671000

120000

-165000

0.0375

0.0800

2426000

-2497000

354000

-176000

-106000

2023000

106000

61000

75000

1169000

175000

-2400000

1.00

0.03

0.20

0.02

509366000

287767000

206155000

509366000

493922000

527761000

309897000

201263000

527761000

511160000

127655000

148702000

98051000

95009000

1172000

1079000

1052000

878000

1249000

0.18

0.11

0.09

-0.22

-0.03

-0.21

-0.23

0.05

0.06

0.03

-0.03

0.10

0.18

0.11

0.09

-0.22

-0.03

-0.21

-0.23

0.05

0.06

0.03

-0.03

0.10

0.331

-0.139

0.236

0.340

0.803

0.277

1.050

0.000

1.455

-2.224

0.531

-0.347

1.036

0.018

-0.388

0.022

0.049

0.021

0.058

-0.033

0.044

-0.046

2000

983000

900000

27047000

39102000

0.0712

0.0878

8877000

42451000

0.0138

0.0685

17266000

40517000

0.0455

0.0910

18915000

18403000

18915000

18931000

18403000

18931000

1236000

603000

31531000

32825000

28299000

0.0253

0.0184

0.0191

69011000

77000000

65000000

58000000

52000000

65000000

0.0163

0.0093

0.0079

6100000

204000000

0.0150

0.0040

0.0034

25000000

27000000

40000000

53294000

52000000

53294000

65827000

65000000

65827000

3101000

3519000

3452000

3595000

42200000

52189000

57850000

5602000

216000

2857000

941000

1580000

8000

3921000

353000

1702000

801000

953000

99000

13000

2311000

1631000

92000

520000

764000

255000

556000

181000

287000

12000

76000

398000

1210000

31000

534000

486000

149000

10000

1540000

83000

380000

816000

256000

5000

367454000

45285000

105719000

21926000

189317000

5070000

137000

466681000

93218000

119480000

65243000

183230000

5076000

434000

31022000

22502000

2240000

6472000

5005000

8784000

1000

16512000

1488000

7047000

5356000

2621000

1586000

867000

719000

1691000

43000

788000

860000

1591000

747000

844000

1691000

43000

788000

860000

9200000

8200000

3823000

444000

244000

3133000

2000

1614000

464000

1150000

1313000

888000

131000

292000

2000

1371000

434000

936000

1000

375832000

44841000

109196000

25807000

190785000

5070000

133000

474355000

93218000

122489000

70476000

182663000

5076000

433000

8988000

2240000

1863000

993000

3891000

1000

5853000

1054000

3574000

123000

1102000

12559000

2240000

2301000

993000

7024000

1000

8395000

1053000

3664000

861000

2817000

14124000

2684000

2995000

1124000

7316000

5000

8838000

1488000

4038000

123000

3188000

1000

552000

8000

1319000

-2000

41000

552000

8000

1319000

-2000

-257000

5000

9029000

11922000

9029000

5079000

3743000

8822000

207000

11922000

8655000

3100000

11755000

167000

4796000

6453000

6347000

5778000

5575000

8971000

4796000

3968000

8764000

207000

12231000

8732000

3332000

12064000

167000

225000

309000

77000

232000

309000

-283000

30351000

25805000

14732000

825000

667000

461000

22502000

16512000

1631000

92000

520000

764000

255000

556000

181000

286000

13000

76000

23328000

17195000

308000

1215000

1136000

9865000

1230000

729000

1541000

1508000

7941000

393000

222000

1669000

3903000

1670000

5000

47000

41000

235000

53000

17000

12000

14000

227000

17000

215000

83000

639000

341000

3972000

1000

237000

2752000

4568000

1880000

893000

402000

4147000

1000

237000

3007000

4652000

1880000

5363000

4932000

6302000

513000

5290000

3899000

3991000

1255000

5158000

855000

57000

254000

133000

142000

212000

43000

24000

104000

18000

2240000

5833000

4664000

4812000

1251000

4295000

788000

741000

2240000

5958000

4664000

5023000

1349000

4541000

788000

741000

662000

-844000

-836000

249000

364000

1561000

14000

1218000

328000

-72000

-16000

-6000

-8000

102000

-16000

-57000

-62000

-31000

166000

795000

-204000

741000

-1068000

-1568000

337000

-250000

240000

524000

255000

743000

18000

285000

1000

49000

-16000

41000

-32000

130000

161000

-1000

-3000

-2000

310000

224000

13651000

18395000

399000

422000

371000

2280000

1216000

-231000

-28000

12717000

-9000

207000

-18000

-4872000

17000

33000

3000

2000

386000

-563000

461000

2143000

476000

176000

-223000

-4311000

1072000

733000

5569000

5942000

6004000

5733000

23248000

5758000

5590000

5265000

5714000

22327000

20734000

19974000

159000

215000

206157000

202459000

24271000

30860000

1009000

977000

979000

986000

3951000

991000

992000

1013000

946000

3942000

471000

1154000

450000

1089000

446000

3508000

2797000

2853000

42000

40000

45000

10000

7000

5000

600000

500000

739000

536000

692000

3518000

2804000

2858000

37000

34000

30000

259000

256000

255000

600000

500000

2441000

1938000

1836000

19723000

21395000

4560000

4965000

5025000

4747000

19297000

4767000

4598000

4252000

4768000

18385000

1034000

799000

3576000

3474000

2139000

2337000

2557000

2781000

1321000

1339000

98432000

113416000

62310000

66604000

181000

172000

167000

1800000

1500000

1558000

245000

234000

588669000

15511000

621407000

16358000

639838000

67049000

676386000

71337000

6140000

5355000

19821000

10989000

408000

3496000

3759000

3298000

28000

7233000

308000

3377000

1705000

1835000

8000

4477000

534000

1989000

813000

1029000

99000

13000

26930000

70555000

138000

434000

389814000

47399000

111220000

27149000

198808000

5100000

138000

481463000

93780000

125020000

70679000

186443000

5107000

434000

3200000

700000

600000

389956000

47525000

112191000

26931000

198101000

5070000

138000

483193000

94706000

126527000

70599000

185851000

5076000

434000

382723000

478716000

5011000

2576000

58400000

362888000

412204000

382604000

382723000

382604000

485458000

478716000

485458000

231000

28000

389956000

47525000

46028000

1497000

112191000

2301000

109890000

26931000

20638000

1295000

4998000

198101000

184850000

7129000

6122000

5070000

138000

1000

137000

483193000

94706000

93218000

1488000

126527000

3838000

122689000

70599000

62419000

1065000

7115000

185851000

181340000

1890000

2621000

5076000

434000

287000

406000

119000

98490000

113107000

-369000

6700000

400000

-400000

-650000

650000

7315000

6128000

49000

47000

-89570000

-59097000

-30000

7651000

31395000

-5289000

-106790000

-91000

15546000

15000

3833000

10000

662000

-836000

364000

-93000

-90000

147000

146000

-110000

-17000

147000

151000

-281000

662000

-836000

364000

53232000

50731000

53232000

50731000

-5280000

-6599000

-8251000

-7535000

-7243000

27373000

-6547000

-6753000

-6789000

-6622000

26714000

2130000

1577000

1210000

1889000

6806000

1202000

1562000

1408000

1394000

5568000

4039000

3839000

662000

414000

342000

-823000

-107000

-769000

-836000

169000

210000

111000

-126000

364000

10142000

1515000

1032000

10142000

1130000

1543000

3364000

1558000

900000

11218000

70000

11266000

54000

8963000

-5800000

3700000

-4615000

3723000

71000

1217000

-552000

-8000

-716000

716000

1148000

-5282000

3731000

183000

7735000

175000

8099000

167000

35000

29000

21000

8900000

1230000

10243000

1706000

1001000

1282000

1369000

4341000

-402000

418000

68450000

66783000

13400000

35180000

28200000

54459000

87292000

2116000

174000

305000

289000

8000

1148000

0.0476

0.0585

0.4003

0.3792

0.2506

0.2818

0.1926

0.1800

1000

0.01

45118

55000

1000

37000000

7000000

21500000

55000000

13000000

51400000

51592000

-1000

16209000

-2000

5105000

886000

400000

-6000000

13000000

2800000

31567000

38991000

994000

2814000

398000

21614000

1727000

506000

952000

-946000

83000

27429000

8319000

11724000

155000

7231000

31087000

10469000

12399000

155000

8064000

7830000

7075000

-3327000

-831000

505000

1052000

-300000

-426000

-33000

2234000

-1574000

-889000

-149000

-15000

780000

713000

1151000

365000

-3010000

143000

-1081000

-1388000

-1062000

99000

279000

-216000

957000

2233000

-596000

8000

6354000

-44570000

-44206000

1596000

43000

1239000

11802000

11588000

275000

265000

210000

970000

708000

22591

20000

250000

5229

3975

3002

1104

1898

1899

996

107

16.71

257.63

97.50

2000

1333

1000

7362

5362

4029

3029

1899

996

134

0.00

180.90

246.2

294.45

0.00

1104

1925

235.00

255.17

258.16

246.18

250.61

257.63

97.50

P2Y9M12D

P1Y2M4D

P5Y4M9D

2321286

166161

55000000

51538000

54979000

56735000

563000

55708000

61000

141000

45118000

-44439000

-417000

51169000

51538000

-4768000

56114000

61000

-369000

45118000

-44570000

-417000

54979000

-1045000

55468000

61000

45118000

-44206000

-417000

1-for-15

0.0299

18403000

66648000

67244000

57771000

24793000

0.0900

0.0400

0.1038

0.1085

66648000

67244000

49382000

26727000

0.1300

0.0600

0.1755

0.1510

117267000

86119000

19925000

11223000

31873000

4063000

27801000

9000

32957000

5653000

22810000

4494000

203907000

200123000

105812000

78422000

15885000

4000

156110000

954000

2775000

1944

417000

-30000

-5000

6000

-11000

4000

-815000

-503000

225000

411000

-5055000

-1147000

14186000

50310000

7410000

4095000

3900000

7995000

5169000

7800000

4191000

4875000

5850000

1700000

500000

400000

900000

600000

500000

625000

103414000

13400000

8000

10567000

10034000

20711000

13282000

10922000

12219000

12271000

1775

507

253

3697400

3696656

3696612

3695625

3696149

3696359

0.0059

0.0055

0.0101

0.0093

0.0016

0.00

0.0046

0.0049

0.0027

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The details of accrued interest receivable as of </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="75%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans receivable</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,337</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,139</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Investments and other interest-bearing assets</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">345</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">319</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total accrued interest receivable</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,781</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,557</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">ACCRUED INTEREST RECEIVABLE</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The details of accrued interest receivable as of </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="75%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans receivable</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,337</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,139</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Investments and other interest-bearing assets</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">345</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">319</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total accrued interest receivable</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,781</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,557</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Scheduled maturities of certificates of deposit for the year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="28%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="22" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Period to Maturity</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">< 1 Yr.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">1-2 Yrs.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2-3 Yrs.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">3+ Yrs.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Percent </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0% - 0.99%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">86,119</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,653</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,063</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,977</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">105,812</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52.87</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1% - 1.99%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19,925</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,810</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,801</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,886</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">78,422</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39.19</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2% - 3.99%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,223</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,494</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">159</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15,885</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7.94</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4% and over</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">   Total</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">117,267</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">32,957</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31,873</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,026</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">200,123</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100.00</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table represents the amount of certificates of deposit of $100,000 or more at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> maturing during the periods indicated:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4" rowspan="1"></td></tr><tr><td width="86%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Maturing:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">April 1, 2015 to June 30, 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28,701</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">July 1, 2015 to September 30, 2015</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,612</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">October 1, 2015 to March 31, 2016</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55,656</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">April 1, 2016 and beyond</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">67,141</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">156,110</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below summarizes changes in our representation and warranty reserves during fiscal </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5" rowspan="1"></td></tr><tr><td width="83%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Representation and warranty repurchase reserve, as of March 31, 2014 </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">287</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net provision for repurchase losses </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(2)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">119</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net realized losses </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(2)</sup></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Representation and warranty repurchase reserve, as of March 31, 2015 </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">406</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank had outstanding lending commitments and contractual obligations at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="75%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commitments to fund mortgage loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30,972</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,750</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commitments to fund commercial and consumer loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,963</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Lines of credit</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,355</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,140</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Letters of credit</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">234</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">245</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45,524</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,135</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deposit balances and weighted average stated interest rates as of </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:98.046875%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="9" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="9" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Percent of Total Deposits</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted Average Rate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Percent of Total Deposits</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted Average Rate</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-interest-bearing demand</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50,731</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9.61</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53,232</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10.45</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest-bearing checking</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30,860</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5.85</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24,271</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.76</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Savings</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">95,009</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.27</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">98,051</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19.26</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.27</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Money market savings account</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">148,702</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28.18</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">127,655</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25.06</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.46</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Certificates of deposit</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">200,123</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">37.92</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.93</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">203,907</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40.03</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.01</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgagors deposits</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,336</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.44</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.53</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,250</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.44</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.73</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">527,761</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100.00</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.55</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">509,366</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100.00</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.59</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Federal Home Loan Bank Stock</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The FHLB-NY has assigned to the Bank a mandated membership stock purchase, based on the Bank's asset size. In addition, for all borrowing activity, the Bank is required to purchase shares of FHLB-NY non-marketable capital stock at par. Such shares are redeemed by FHLB-NY at par with reductions in the Bank's borrowing levels. On a quarterly basis, these shares are evaluated for other-than-temporary impairment. We do not consider these shares to be other-than-temporarily impaired at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">. The Bank carries this investment at historical cost.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">General Reserve Allowance</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carver's maintenance of a general reserve allowance in accordance with ASC Subtopic 450-20 includes the Bank's evaluating the risk to loss potential of homogeneous pools of loans based upon historical loss factors and a review of nine different environmental factors that are then applied to each pool.  The pools of loans (“Loan Type”) are:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1-4 Family</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Multifamily</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial Real Estate</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business Loans</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SBA Loans</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other (Consumer and Overdraft Accounts)</font></div></td></tr></table><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The pools are further segregated into the following risk rating classes:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pass </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Special Mention</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substandard</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Doubtful</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank next applies to each pool a risk factor that determines the level of general reserves for the specific pool.  The Bank estimates its historical charge-offs via a lookback analysis. The actual historical loss experience by major loan category is expressed as a percentage of the outstanding balance of all loans within the category. As the loss experience for a particular loan category increases or decreases, the level of reserves required for that particular loan category also increases or decreases. The Bank’s historical charge-off rate reflects the period over which the charge-offs were confirmed and recognized, not the period over which the earlier losses occurred. That is, the charge-off rate measures the confirmation of losses over a period that occurs after the earlier actual losses. During the period between the loss-causing events and the eventual confirmations of losses, conditions may have changed. There is always a time lag between the period over which average charge-off rates are calculated and the date of the financial statements. During that period, conditions may have changed. Another factor influencing the General Reserve is the Bank’s Loss Emergence Period (LEP) assumptions which represent the Bank’s estimate of the average amount of time from the point at which a loss is incurred to the point at which the loss is confirmed, either through the identification of the loss or a charge-off. The Bank generally considers coverage of one year’s losses an appropriate benchmark for most pools of loans because the probable loss on any given pool should ordinarily become apparent in that time frame. In some instances, the Bank may be able, however, to demonstrate a reliance on an LEP less than 12 months coverage based upon adequate management information systems and effective methodologies for estimating losses. However, in some instances, such as in its Commercial Real Estate, Multifamily and Business segments the Bank demonstrates a reliance on a LEP in excess of 12 months. The Bank also recognizes losses in accordance with regulatory charge-off criteria. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Because actual loss experience may not adequately predict the level of losses inherent in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be adjusted based upon any of those factors.  As the risk ratings worsen, some of the qualitative factors tend to increase.  The nine qualitative factors the Bank considers and may utilize are:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Policy & Procedures</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">2.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Economy</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">3.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the nature or volume of the loan portfolio and in the terms of loans (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Nature & Volume</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">4.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the experience, ability, and depth of lending management and other relevant staff (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Management</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">5.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Problem Assets</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">6.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the quality of the loan review system (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Loan Review</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">7.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the value of underlying collateral for collateral dependent loans (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Collateral Values</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">8.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The existence and effect of any concentrations of credit and changes in the level of such concentrations (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Concentrations</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">9.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">External Forces</font><font style="font-family:inherit;font-size:10pt;">). </font></div></td></tr></table></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest expense on deposits is as follows for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest-bearing checking</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">42</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Savings and clubs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">256</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">259</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Money market savings</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">692</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">536</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">739</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Certificates of deposit</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,836</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,938</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,441</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgagors deposits</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">37</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,858</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,804</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,518</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Penalty for early withdrawal of certificates of deposit</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(10</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total interest expense</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,853</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,797</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,508</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">NMTC fee income</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The fee income the Company receives related to the transfers of its New Market Tax Credits varies with each transaction but all are similar in nature.  There are two basic types of fees associated with these transactions.  The first is a “sub-allocation fee” that is paid to CCDC when the tax credits are allocated to a subsidiary entity at the time a qualified equity investment is made.  This fee is recognized by the Company at the time of allocation.  The second type of fee is paid to cover the administrative and servicing costs associated with CCDC's compliance with NMTC reporting requirements.  This fee is recognized as the services are rendered.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The fair value of the option grants was estimated on the date of the grant using the Black-Scholes option pricing model applying the following weighted average assumptions for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="6" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Risk-free interest rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Volatility</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Annual dividends</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> N/A</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Expected life of option grants</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents information on open requests from FNMA. The amounts presented are based on outstanding loan principal balances.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:98.6328125%;border-collapse:collapse;text-align:left;"><tr><td colspan="5" rowspan="1"></td></tr><tr><td width="69%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="28%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Loans sold to FNMA</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Open claims as of March 31, 2014 </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,075</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross new demands received</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">129</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans repurchased/made whole</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(129</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Principal payments received on open claims</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(30</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Open claims as of March 31, 2015 </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,045</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Representation and Warranty Reserve </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”).  The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSEs). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Management has established a representation and warranty reserve for losses associated with the repurchase of mortgage loans sold by the Bank to FNMA that we consider to be both probable and reasonably estimable.  These reserves are reported in our consolidated statement of financial condition as a component of other liabilities.  The calculation of the reserve is based on estimates, which are uncertain, and require the application of judgment.  In establishing the reserves, we consider a variety of factors, including those loans that are under review by FNMA that have not yet received a repurchase request. The Bank tracks the FNMA claims monthly and evaluates the reserve on a quarterly basis. </font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary regarding proceeds from securities sales of the available-for-sale and held-to-maturity portfolios for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Proceeds</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">994</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38,991</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31,567</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross gains</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">513</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">174</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Proceeds</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,814</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross gains</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Specific Reserve Allowance</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carver also maintains a specific reserve allowance for criticized and classified loans individually reviewed for impairment in accordance with ASC Subtopic 310-10 guidelines. The amount assigned to the specific reserve allowance is individually determined based upon the loan. The ASC Subtopic 310-10 guidelines require the use of one of three approved methods to estimate the amount to be reserved and/or charged off for such credits. The three methods are as follows:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-left:0px;text-align:left;text-indent:24px;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:24px;">1.</font><font style="font-family:inherit;font-size:10pt;">The present value of expected future cash flows discounted at the loan's effective interest rate,</font></div><div style="line-height:120%;padding-left:0px;text-align:left;text-indent:24px;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:24px;">2.</font><font style="font-family:inherit;font-size:10pt;">The loan's observable market price; or </font></div><div style="line-height:120%;padding-left:0px;text-align:left;text-indent:24px;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:24px;">3.</font><font style="font-family:inherit;font-size:10pt;">The fair value of the collateral if the loan is collateral dependent.</font></div><div style="line-height:120%;text-align:left;padding-left:54px;text-indent:-30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The institution may choose the appropriate ASC Subtopic 310-10 measurement on a loan-by-loan basis for an individually impaired loan, except for an impaired collateral dependent loan.  Guidance requires impairment of a collateral dependent loan to be measured using the fair value of collateral method. A loan is considered "collateral dependent" when the repayment of the debt will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment. </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Criticized and classified loans with at risk balances of $500,000 or more and loans below $500,000 that the Chief Credit Officer deems appropriate for review, are identified and reviewed for individual evaluation for impairment in accordance with ASC Subtopic 310-10. Carver also performs impairment analysis for all troubled debt restructurings (“TDRs”).  If it is determined that it is probable the Bank will be unable to collect all amounts due according with the contractual terms of the loan agreement, the loan is categorized as impaired.  </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If the loan is determined to be not impaired, it is then placed in the appropriate pool of criticized and classified loans to be evaluated collectively for impairment.  Loans determined to be impaired are evaluated to determine the amount of impairment based on one of the three measurement methods noted above.  The Bank then determines whether the impairment amount is permanent, in which case the loan is written down by the amount of the impairment, or if it is other than permanent, in which case the Bank establishes a specific valuation reserve that is included in the total ALLL.  In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Treasury Stock</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Treasury stock is recorded at cost and is presented as a reduction of stockholders' equity.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">VARIABLE INTEREST ENTITIES</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company's subsidiary, Carver Statutory Trust I, is not consolidated with Carver Bancorp, Inc. for financial reporting purposes.  Carver Statutory Trust I was formed in 2003 for the purpose of issuing </font><font style="font-family:inherit;font-size:10pt;">$13 million</font><font style="font-family:inherit;font-size:10pt;"> aggregate liquidation amount of floating rate Capital Securities due September 17, 2033 (“Capital Securities”) and </font><font style="font-family:inherit;font-size:10pt;">$0.4 million</font><font style="font-family:inherit;font-size:10pt;"> of common securities (which are the only voting securities of Carver Statutory Trust I), which are </font><font style="font-family:inherit;font-size:10pt;">100%</font><font style="font-family:inherit;font-size:10pt;"> owned by Carver Bancorp, Inc., and using the proceeds to acquire Junior Subordinated Debentures issued by Carver Bancorp, Inc.  Carver Bancorp, Inc. has fully and unconditionally guaranteed the Capital Securities along with all obligations of Carver Statutory Trust I under the trust agreement relating to the Capital Securities.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank's subsidiary, Carver Community Development Corporation (“CCDC”), was formed to facilitate its participation in local economic development and other community-based initiatives. Per the NMTC Award's Allocation Agreement between the CDFI Fund and CCDC, CCDC is permitted to form and sub-allocate credits to subsidiary Community Development Entities (“CDEs”) to facilitate investments in separate development projects.</font></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The variable interest entities (“VIEs”) such as the CDEs and Carver Statutory Trust I are consolidated, as required, where Carver has controlling financial interest in these entities and is deemed to be the primary beneficiary. Carver is normally deemed to have a controlling financial interest and be the primary beneficiary if it has both of the following characteristics:</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(a) the power to direct activities of a VIE that most significantly impact the entities economic performance; and</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:66px;text-indent:-18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(b) the obligation to absorb losses of the entity that could benefit from the activities that could potentially be significant to the VIE.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank's involvement with VIEs, consolidated and unconsolidated, in which the company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE is presented below: </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="31" rowspan="1"></td></tr><tr><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;"> Involvement with SPE (000's)</font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Funded Exposure</font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unfunded Exposure</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Recognized Gain (Loss) (000's)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Total Rights transferred</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Consolidated assets</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Significant unconsolidated VIE assets</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Total Involvement with SPE asset</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Debt Investments</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;font-weight:bold;">Equity Investments </font><font style="font-family:inherit;font-size:7.5pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Funding Commitments</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Maximum exposure to loss</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Carver Statutory Trust 1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 1-9, CDE 11-12</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,186</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,186</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,800</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,800</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 10</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,700</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,410</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,410</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 13</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,567</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,567</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,095</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,096</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 14</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,034</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,034</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,900</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,901</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 15, CDE 16, CDE 17</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">900</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,995</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,997</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 18</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">600</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,254</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,282</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,282</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,169</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,170</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 19</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,746</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,922</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,922</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,191</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,192</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 20</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">625</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,219</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,219</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,875</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,876</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 21</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">625</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,271</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,271</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,875</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,876</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,850</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,186</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">103,414</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">117,600</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">408</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50,310</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">63,718</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font><font style="font-family:inherit;font-size:9pt;"> Excludes any proceeds realized from exchange of equity interest in CDEs as detailed below.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">CCDC was originally awarded </font><font style="font-family:inherit;font-size:10pt;">$59 million</font><font style="font-family:inherit;font-size:10pt;"> of NMTC. In fiscal 2008, CCDC transferred </font><font style="font-family:inherit;font-size:10pt;">$19 million</font><font style="font-family:inherit;font-size:10pt;"> of rights to an investor in a NMTC project. The entity was called CDE 10. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With respect to the remaining </font><font style="font-family:inherit;font-size:10pt;">$40 million</font><font style="font-family:inherit;font-size:10pt;"> of the original NMTC award, CCDC established various special purpose entities (CDEs 1-9,11-12) through which its investments in NMTC eligible activities are conducted.  As the Bank is exposed to all of the expected losses and residual returns from these investments under ASC Topic 810, the Bank has determined it has a controlling financial interest and is the primary beneficiary of these entities. During December 2010, Carver transferred its equity ownership in the CDEs and the associated rights to an investor in exchange for </font><font style="font-family:inherit;font-size:10pt;">$6.7 million</font><font style="font-family:inherit;font-size:10pt;"> in cash. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As a result of Carver financing the purchase note, the CDEs continue to be consolidated and the investor's equity investment of </font><font style="font-family:inherit;font-size:10pt;">$6.7 million</font><font style="font-family:inherit;font-size:10pt;"> was reflected as non-controlling interest in the Statement of Financial Condition. The sale of the equity interest in the CDEs provides the investor with rights to the new markets tax credits on a prospective basis. A portion of non-controlling interest is transferred to the controlling interest as the investor earns the tax credits. In March 2015, the investor exercised its option to sell the equity interest in the CDEs back to Carver. Under the current arrangement, the Bank has a contingent obligation to reimburse the investor for any loss or shortfall incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investor's ability to otherwise utilize tax credits stemming from the award.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In May 2009, CCDC received a second NMTC award of </font><font style="font-family:inherit;font-size:10pt;">$65 million</font><font style="font-family:inherit;font-size:10pt;">. During the period from December 2009 to December 2010, CCDC transferred rights to investors in NMTC projects (entities CDE 13-19). CCDC has a contingent obligation to reimburse the investor for any losses or shortfalls incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investors' ability to otherwise utilize tax credits stemming from the award.</font></div><div style="line-height:120%;text-align:justify;padding-left:9px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In August 2011, CCDC received a third NMTC award of </font><font style="font-family:inherit;font-size:10pt;">$25 million</font><font style="font-family:inherit;font-size:10pt;">. In January 2012 and September 2012, CCDC transferred rights to investors in NMTC projects (CDEs 20 and 21).  CCDC has a contingent obligation to reimburse the investors for any losses or shortfalls incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investors' ability to otherwise utilize tax credits stemming from the award.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">CCDC established various special purpose entities (CDEs 22-25) through which its investments in NMTC eligible activities will be conducted. As of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, there have been no activities in these entities.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">INVESTMENT SECURITIES</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank utilizes mortgage-backed and other investment securities in its asset/liability management strategy. In making investment decisions, the Bank considers, among other things, its yield and interest rate objectives, its interest rate and credit risk position, and its liquidity and cash flow.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Generally, the investment policy of the Bank is to invest funds among categories of investments and maturities based upon the Bank’s asset/liability management policies, investment quality, loan and deposit volume and collateral requirements, liquidity needs and performance objectives. ASC 320-10-25 requires that securities be classified into three categories: trading, held-to-maturity, and available-for-sale. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$101.2 million</font><font style="font-family:inherit;font-size:10pt;">, or </font><font style="font-family:inherit;font-size:10pt;">89.5%</font><font style="font-family:inherit;font-size:10pt;">, of the Bank’s mortgage-backed and other investment securities were classified as available-for-sale, and the remaining </font><font style="font-family:inherit;font-size:10pt;">$11.9 million</font><font style="font-family:inherit;font-size:10pt;">, or </font><font style="font-family:inherit;font-size:10pt;">10.5%</font><font style="font-family:inherit;font-size:10pt;">, were classified as held-to-maturity. The Bank had </font><font style="font-family:inherit;font-size:10pt;">no</font><font style="font-family:inherit;font-size:10pt;"> securities classified as trading at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="49%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amortized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gross Unrealized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Estimated</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair-Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Government National Mortgage Association</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,575</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal Home Loan Mortgage Corporation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(127</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,588</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,925</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">35</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(103</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,857</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,252</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">54</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(287</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,019</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,464</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">48</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(662</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57,850</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,514</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(198</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,316</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total available-for-sale</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102,230</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Government National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,100</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">232</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,332</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,655</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">77</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,732</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,755</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">309</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">167</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">167</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,922</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">309</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,231</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">114,152</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">411</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">113,416</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="49%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amortized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gross Unrealized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Estimated</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Government National Mortgage Association</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,972</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(307</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,665</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Federal Home Loan Mortgage Corporation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,160</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(564</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,596</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,897</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(466</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29,078</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,337</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55,155</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,966</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,189</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(469</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total available-for-sale</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,233</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,772</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,461</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Government National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,743</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,968</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,079</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total held-to-maturity mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,822</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,764</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">207</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">207</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,029</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,971</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">103,262</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,055</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">98,432</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;background-color:#ffff00;"> </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary regarding proceeds from securities sales of the available-for-sale and held-to-maturity portfolios for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Proceeds</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">994</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38,991</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31,567</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross gains</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">513</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">174</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Proceeds</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,814</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross gains</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">There were </font><font style="font-family:inherit;font-size:10pt;">no</font><font style="font-family:inherit;font-size:10pt;"> sales of held-to-maturity securities in fiscal years </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> or </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">. In fiscal </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$2.8 million</font><font style="font-family:inherit;font-size:10pt;"> of held-to-maturity securities were sold, generating net gains of </font><font style="font-family:inherit;font-size:10pt;">$41 thousand</font><font style="font-family:inherit;font-size:10pt;">. These securities had been classified as matured under ASC Topic 320, as the principal repayments exceeded 85% of the initial principal. The net unrealized loss on available-for-sale securities was </font><font style="font-family:inherit;font-size:10pt;">$1.0 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, compared to </font><font style="font-family:inherit;font-size:10pt;">$4.8 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank's investment portfolio is comprised primarily of fixed-rate mortgage-backed securities guaranteed by a Government Sponsored Enterprise (“GSE”) as issuer and Agency securities. Carver maintains a portfolio of mortgage-backed securities in the form of Government National Mortgage Association (“GNMA”) pass-through certificates, Federal National Mortgage Association (“FNMA”) and Federal Home Loan Mortgage Corporation (“FHLMC”) participation certificates. GNMA pass-through certificates are guaranteed as to the payment of principal and interest by the full faith and credit of the United States Government, while FNMA and FHLMC certificates are each guaranteed by their respective agencies as to principal and interest. Based on the high quality of the Bank's investment portfolio, current market conditions have not significantly impacted the pricing of the portfolio or the Bank's ability to obtain reliable prices. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> the Bank pledged securities of </font><font style="font-family:inherit;font-size:10pt;">$42.2 million</font><font style="font-family:inherit;font-size:10pt;"> as collateral for advances from the FHLB-NY. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> for less than 12 months and 12 months or longer:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Less than 12 months</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">12 months or longer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(287</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,297</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(287</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,297</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,943</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(605</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(662</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39,343</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(198</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,802</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(198</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,802</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Total available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,943</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,090</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,499</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">71,442</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,943</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,090</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,499</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">71,442</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;"> for less than 12 months and 12 months or longer:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Less than 12 months</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">12 months or longer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(322</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,569</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,015</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,123</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,337</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,692</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,646</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34,074</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,320</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,115</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,966</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,189</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(469</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(469</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Total available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,437</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51,174</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,335</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38,238</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,772</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,412</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,720</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55,970</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,335</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38,238</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,055</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,208</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1) </sup></font><font style="font-family:inherit;font-size:9pt;">CRA fund comprised of over 95% agency securities</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">A total of </font><font style="font-family:inherit;font-size:10pt;">23</font><font style="font-family:inherit;font-size:10pt;"> securities had an unrealized loss at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> compared to </font><font style="font-family:inherit;font-size:10pt;">34</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">. The majority of the securities in an unrealized loss position were U.S. Government Agency securities and mortgage-backed securities, representing </font><font style="font-family:inherit;font-size:10pt;">68.8%</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">31.2%</font><font style="font-family:inherit;font-size:10pt;"> of total securities in an unrealized loss position at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">. There were </font><font style="font-family:inherit;font-size:10pt;">eight</font><font style="font-family:inherit;font-size:10pt;"> mortgage-backed securities and </font><font style="font-family:inherit;font-size:10pt;">ten</font><font style="font-family:inherit;font-size:10pt;"> U.S. Government Agency securities in an unrealized loss position that had an unrealized loss for more than 12 months at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">. The cause of the temporary impairment is directly related to changes in interest rates. In general, as interest rates decline, the fair value of securities will rise, and conversely as interest rates rise, the fair value of securities will decline.  Management considers fluctuations in fair value as a result of interest rate changes to be temporary, which is consistent with the Bank's experience.  The impairments are deemed temporary based on the direct relationship of the rise in fair value to movements in interest rates, the life of the investments and their high credit quality. Given the high credit quality of the securities which are backed by the U.S. government's guarantees, the risk of credit loss is minimal. Management believes that these unrealized losses are a direct result of the current rate environment and has the ability and intent to hold the securities until maturity or the valuation recovers. </font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Company will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss). At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, the Bank does not have any securities that are classified as having other-than-temporary impairment in its investment portfolio.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of the carrying value (amortized cost) and fair value of securities at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, by remaining period to contractual maturity (ignoring earlier call dates, if any).  Actual maturities may differ from contractual maturities because certain security issuers have the right to call or prepay their</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:10pt;">obligations.  The table below does not consider the effects of possible prepayments or unscheduled repayments. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="54%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amortized Cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Yield</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less than one year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,533</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,533</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.25</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One through five years</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,481</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,483</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.28</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Five through ten years</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,394</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.87</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">After ten years</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,505</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51,775</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102,230</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.55</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Five through ten years</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,347</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,453</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.62</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">After ten years</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,575</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,778</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.70</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,922</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,231</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.66</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="29" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allowance for loan losses:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Beginning Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,377</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">308</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,835</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,233</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Charge-offs</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">687</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">320</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">279</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,286</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">380</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">83</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">256</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">816</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,540</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Provision for (Recovery of) Loan Losses</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,081</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">143</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,062</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,388</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">279</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3,010</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,989</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">534</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,029</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">813</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,477</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,702</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">353</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">953</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">801</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,921</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">287</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">76</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">556</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Loan Receivables Ending Balance</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">126,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,706</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">185,851</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,599</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">483,193</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">119,480</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,218</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">183,230</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,243</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">466,681</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,488</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,621</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,356</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,512</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="29" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allowance for loan losses:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Beginning Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,496</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">408</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,298</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,759</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,989</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Charge-offs</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,887</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">98</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">574</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">966</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,540</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">534</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">486</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Provision for (Recovery of) Loan Losses</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,234</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(33</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(889</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(149</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,574</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(15</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(426</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,377</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">308</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,835</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,705</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,233</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,857</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">216</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,580</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">941</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,602</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">520</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">92</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">764</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,631</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Loan Receivables Ending Balance</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">112,191</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,525</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,101</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,931</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">389,956</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">105,719</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45,285</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">189,317</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">21,926</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">137</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">367,454</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,472</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,784</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,005</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,502</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:13px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">OTHER COMPREHENSIVE (LOSS) INCOME</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables set forth changes in each component of accumulated other comprehensive (loss) income, net of tax for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.2890625%;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td width="52%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other Comprehensive Income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net unrealized gain (loss) on securities available-for-sale</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,723</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,045</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accumulated other comprehensive loss</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,723</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,045</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.484375%;border-collapse:collapse;text-align:left;"><tr><td colspan="17" rowspan="1"></td></tr><tr><td width="44%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Pension Plan Adjustment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other Comprehensive Income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net unrealized gain (loss) on securities available-for-sale</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,832</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net unrealized loss on pension liability</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(501</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(716</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,217</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accumulated other comprehensive income (loss)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">563</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(716</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,615</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth information about amounts reclassified from accumulated other comprehensive loss to the consolidated statement of operations and the affected line item in the statement where net income is presented.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="44%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="33%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">For the Twelve Months Ended March 31,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td rowspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Affected Line Item in the Consolidated Statement of Operations</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Reclassification adjustment for sales of available for-sale securities, net of tax</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">552</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gain on sale of securities, net</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Reclassification adjustment for termination of pension plan, net of tax</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,148</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Employee compensation and benefits</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total reclassifications for the period</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(596</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Comprehensive Income (Loss). </font><font style="font-family:inherit;font-size:10pt;">Comprehensive income (loss) represents net income (loss) and certain amounts reported directly in stockholders' equity, such as net unrealized gain or loss on securities available-for-sale and loss on pension obligations. The Company has reported its comprehensive income (loss) for fiscal years </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> in the Consolidated Statements of Comprehensive Income (Loss).  Carver Federal's accumulated other comprehensive income (loss) included net unrealized gains on securities of </font><font style="font-family:inherit;font-size:10pt;">$3.7 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and net unrealized losses on securities of </font><font style="font-family:inherit;font-size:10pt;">$5.8 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The carrying amounts and estimated fair values of the Bank's financial instruments and estimation methodologies at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="21" rowspan="1"></td></tr><tr><td width="37%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="19" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Carrying</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Quoted Prices in Active Markets for Identical Assets (Level 1)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Other Observable Inputs (Level 2)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Unobservable Inputs (Level 3)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Financial Assets:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Cash and cash equivalents</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Restricted cash</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Securities available-for-sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,138</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB Stock</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,519</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,519</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,519</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Securities held-to-maturity</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,922</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,231</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,231</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans receivable</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">478,716</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">485,458</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">485,458</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans held-for-sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,576</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,576</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,576</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accrued interest receivable</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,781</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,781</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,781</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage servicing rights</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Financial Liabilities:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deposits</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">527,761</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">511,160</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">309,897</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">201,263</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Advances from FHLB of New York</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,827</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,827</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other borrowed money</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,931</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,931</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="21" rowspan="1"></td></tr><tr><td width="38%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="19" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Carrying</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Quoted Prices in Active Markets for Identical Assets (Level 1)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Other Observable Inputs (Level 2)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Unobservable Inputs (Level 3)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Financial Assets:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Cash and cash equivalents</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">122,554</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">122,554</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">122,554</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Restricted cash</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Securities available-for-sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,461</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,461</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,412</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB Stock</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,101</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,101</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,101</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Securities held-to-maturity</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,029</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,971</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,971</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans receivable</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">382,723</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">382,604</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">382,604</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans held-for-sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,011</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,011</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,011</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accrued interest receivable</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,557</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,557</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,557</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage servicing rights</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Financial Liabilities:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deposits</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">509,366</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">493,922</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">287,767</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">206,155</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Advances from FHLB of New York</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53,294</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53,294</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other borrowed money</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,915</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,915</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables present information on impaired loans with the associated allowance amount, if applicable, at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">. Management determined the specific allowance based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the remaining source of repayment for the loan is the operation or liquidation of the collateral. In those cases, the current fair value of the collateral, less selling costs was used to determine the specific allowance recorded. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="35%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td colspan="24" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Impaired Loans by Class</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="23" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At March 31,</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Recorded Investment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unpaid Principal Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Associated Allowance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Recorded Investment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unpaid Principal Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Associated Allowance</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With no specific allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,752</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,007</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">639</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">893</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">237</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">237</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,880</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,880</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,972</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,147</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,568</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,652</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">341</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">402</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,295</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,541</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">286</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,833</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,958</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">520</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,251</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,349</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">92</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">76</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,812</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,023</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">788</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">788</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,664</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,664</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">764</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,512</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17,195</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">556</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,502</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23,328</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,631</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents information on average balances on impaired loans and the interest income recognized for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="33%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="23" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">For the years ended March 31,</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest Income recognized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest Income recognized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest Income recognized</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With no specific allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,669</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,541</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,215</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">222</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">729</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">308</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,670</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">83</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,941</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">227</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,865</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">235</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">393</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,230</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,903</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">215</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,508</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,136</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">41</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,158</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">104</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,290</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">142</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,363</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,255</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">513</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,991</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,302</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">133</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">855</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,899</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">212</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,932</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">254</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,732</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">461</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25,805</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">667</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30,351</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">825</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of the carrying value (amortized cost) and fair value of securities at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, by remaining period to contractual maturity (ignoring earlier call dates, if any).  Actual maturities may differ from contractual maturities because certain security issuers have the right to call or prepay their</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:10pt;">obligations.  The table below does not consider the effects of possible prepayments or unscheduled repayments. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="54%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amortized Cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Yield</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less than one year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,533</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,533</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.25</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One through five years</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,481</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,483</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.28</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Five through ten years</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,394</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.87</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">After ten years</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,505</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51,775</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102,230</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.55</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Five through ten years</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,347</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,453</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.62</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">After ten years</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,575</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,778</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.70</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,922</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,231</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.66</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">LOANS RECEIVABLE, NET </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of loans receivable, net of allowance for loan losses, and loans held-for-sale at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="14" rowspan="1"></td></tr><tr><td width="49%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross loans receivable:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">125,020</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">111,220</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,780</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">186,443</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,808</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,107</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,100</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,679</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total loans receivable</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">481,463</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">389,814</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Add:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Premium on loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,233</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">957</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred fees and loan discounts, net</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(503</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(815</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,477</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7,233</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total loans receivable, net</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">478,716</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">382,723</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans held-for-sale</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,576</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,011</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup> </font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Includes personal loans</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substantially all of the Bank's real estate loans receivable are principally secured by properties located in New York City. Accordingly, as with most financial institutions in the market area, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in market conditions in this area. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mortgage loan portfolios serviced for Federal National Mortgage Association (“FNMA”) and other third parties are not included in the accompanying consolidated financial statements.  The unpaid principal balances of these loans aggregated </font><font style="font-family:inherit;font-size:10pt;">$30.6 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$33.6 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$37.4 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, respectively. </font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> the Bank pledged </font><font style="font-family:inherit;font-size:10pt;">$58.4 million</font><font style="font-family:inherit;font-size:10pt;"> in total mortgage loans as collateral for advances from the FHLB-NY.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="29" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allowance for loan losses:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Beginning Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,377</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">308</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,835</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,233</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Charge-offs</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">687</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">320</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">279</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,286</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">380</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">83</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">256</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">816</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,540</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Provision for (Recovery of) Loan Losses</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,081</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">143</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,062</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,388</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">279</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3,010</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,989</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">534</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,029</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">813</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,477</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,702</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">353</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">953</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">801</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,921</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">287</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">76</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">556</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Loan Receivables Ending Balance</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">126,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,706</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">185,851</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,599</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">483,193</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">119,480</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,218</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">183,230</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,243</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">466,681</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,488</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,621</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,356</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,512</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="29" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allowance for loan losses:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Beginning Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,496</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">408</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,298</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,759</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,989</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Charge-offs</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,887</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">98</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">574</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">966</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,540</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">534</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">486</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Provision for (Recovery of) Loan Losses</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,234</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(33</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(889</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(149</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,574</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(15</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(426</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,377</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">308</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,835</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,705</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,233</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,857</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">216</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,580</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">941</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,602</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for Loan Losses Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">520</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">92</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">764</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,631</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Loan Receivables Ending Balance</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">112,191</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,525</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,101</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,931</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">389,956</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: collectively evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">105,719</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45,285</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">189,317</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">21,926</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">137</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">367,454</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Ending Balance: individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,472</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,784</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,005</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,502</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is an analysis of the allowance for loan losses for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Balance at beginning of the year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,233</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,989</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19,821</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Charge-offs of loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,286</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,540</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,903</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recoveries of amounts previously charged off</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,540</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">398</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recovery of loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3,010</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(426</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3,327</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Balance at end of the year</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,477</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,233</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,989</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, the recorded investment in impaired loans was </font><font style="font-family:inherit;font-size:10pt;">$16.5 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$22.5 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$31.0 million</font><font style="font-family:inherit;font-size:10pt;">, respectively. The related allowance for loan losses for these impaired loans was approximately </font><font style="font-family:inherit;font-size:10pt;">$0.6 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$1.6 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$2.3 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, respectively.  Interest income of </font><font style="font-family:inherit;font-size:10pt;">$585 thousand</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$713 thousand</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$3.2 million</font><font style="font-family:inherit;font-size:10pt;"> for fiscal year </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, respectively, would have been recorded on impaired loans had they performed in accordance with their original terms. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, there were </font><font style="font-family:inherit;font-size:10pt;">no</font><font style="font-family:inherit;font-size:10pt;"> loans that were past due 90 days or more and still accruing. </font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of nonaccrual loans at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="71%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans accounted for on a nonaccrual basis:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross loans receivable:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,664</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,301</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,053</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,817</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,024</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">861</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">993</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total nonaccrual loans</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,395</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,559</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-performing loans generally consist of loans for which the accrual of interest has been discontinued as a result of such loans becoming 90 days or more delinquent as to principal and/or interest payments.  Interest income on non-performing loans is recorded when received based upon the collectability of the loan. Nonaccrual loans decreased </font><font style="font-family:inherit;font-size:10pt;">$4.2 million</font><font style="font-family:inherit;font-size:10pt;">, or </font><font style="font-family:inherit;font-size:10pt;">33.2%</font><font style="font-family:inherit;font-size:10pt;">, to </font><font style="font-family:inherit;font-size:10pt;">$8.4 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> from </font><font style="font-family:inherit;font-size:10pt;">$12.6 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">. TDR loans consist of loans where borrowers have been granted concessions in regards to the terms of their loans due to financial or other difficulties, which rendered them unable to repay their loans under the original contractual terms. Total TDR loans at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> were </font><font style="font-family:inherit;font-size:10pt;">$8.2 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$3.6 million</font><font style="font-family:inherit;font-size:10pt;"> of which were non-performing as they were either not consistently performing in accordance with their modified terms or not performing in accordance with their modified terms for at least six months. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, total TDR loans were </font><font style="font-family:inherit;font-size:10pt;">$9.2 million</font><font style="font-family:inherit;font-size:10pt;">, of which </font><font style="font-family:inherit;font-size:10pt;">$3.0 million</font><font style="font-family:inherit;font-size:10pt;"> were non-performing. </font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, other non-performing assets totaled </font><font style="font-family:inherit;font-size:10pt;">$6.9 million</font><font style="font-family:inherit;font-size:10pt;"> which consists of other real estate owned ("OREO") properties and held-for-sale loans. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, other real estate owned valued at </font><font style="font-family:inherit;font-size:10pt;">$4.3 million</font><font style="font-family:inherit;font-size:10pt;"> comprised of </font><font style="font-family:inherit;font-size:10pt;">ten</font><font style="font-family:inherit;font-size:10pt;"> foreclosed properties, compared to </font><font style="font-family:inherit;font-size:10pt;">$1.4 million</font><font style="font-family:inherit;font-size:10pt;"> comprised of </font><font style="font-family:inherit;font-size:10pt;">eight</font><font style="font-family:inherit;font-size:10pt;"> properties at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, held-for-sale loans totaled </font><font style="font-family:inherit;font-size:10pt;">$2.6 million</font><font style="font-family:inherit;font-size:10pt;">, compared to </font><font style="font-family:inherit;font-size:10pt;">$5.0 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;padding-top:9px;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank utilizes an internal loan classification system as a means of reporting problem loans within its loan categories. Loans may be classified as "Pass," “Special Mention,” “Substandard,” “Doubtful,” and “Loss.” Loans rated Pass have demonstrated satisfactory asset quality, earning history, liquidity, and other adequate margins of creditor protection. They represent a moderate credit risk and some degree of financial stability. Loans are considered collectible in full, but perhaps require greater than average amount of loan officer attention. Borrowers are capable of absorbing normal setbacks without failure. Loans rated Special Mention have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Bank's credit position at some future date. Loans rated Substandard are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Loans rated Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, based on currently existing facts, conditions and values, highly questionable and improbable. Loans classified as Loss are those considered uncollectible with insignificant value and are charged off immediately to the allowance for loan losses.</font></div><div style="line-height:120%;padding-top:9px;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">One-to-four family residential loans and consumer and other loans are rated non-performing if they are delinquent in payments ninety or more days, a troubled debt restructuring with less than six months contractual performance or past maturity. All other one-to-four family residential loans and consumer and other loans are performing loans.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, and based on the most recent analysis performed in the current quarter, the risk category by class of loans is as follows:</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="42%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile by Internally Assigned Grade:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,218</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181,340</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">62,419</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Special Mention</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,890</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,065</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Substandard</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,488</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,621</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,115</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Doubtful</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loss</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,706</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">185,851</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,599</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile Based on Payment Activity:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Performing</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">122,689</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-Performing</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,838</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">126,527</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, and based on the most recent analysis performed, the risk category by class of loans is as follows:</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="42%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile by Internally Assigned Grade:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">46,028</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">184,850</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,638</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Special Mention</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,129</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,295</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Substandard</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,497</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,122</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,998</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Doubtful</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loss</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,525</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,101</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,931</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile Based on Payment Activity:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Performing</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">109,890</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">137</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-Performing</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,301</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">112,191</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents an aging analysis of the recorded investment of past due financing receivable as of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="34%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">30-59 Days Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">60-89 Days Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">90 or More Days Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Current</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Financing Receivables</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">464</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,574</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,038</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">122,489</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">126,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,054</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,488</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,218</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,706</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,150</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">936</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,102</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,188</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">182,663</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">185,851</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">123</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">123</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,476</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,599</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">433</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,614</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,371</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,853</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,838</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">474,355</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">483,193</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents an aging analysis of the recorded investment of past due financing receivable as of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">30-59 Days Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">60-89 Days Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">90 or More Days Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Past Due</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Current</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Financing Receivables</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">244</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">888</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,863</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,995</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">109,196</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">112,191</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">444</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,684</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">44,841</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,525</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,133</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">292</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,891</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,316</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">190,785</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,101</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">131</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">993</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,124</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25,807</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,931</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">133</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,823</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,313</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,988</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,124</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">375,832</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">389,956</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;padding-left:24px;text-indent:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables present information on impaired loans with the associated allowance amount, if applicable, at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">. Management determined the specific allowance based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the remaining source of repayment for the loan is the operation or liquidation of the collateral. In those cases, the current fair value of the collateral, less selling costs was used to determine the specific allowance recorded. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="35%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td colspan="24" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Impaired Loans by Class</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="23" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At March 31,</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Recorded Investment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unpaid Principal Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Associated Allowance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Recorded Investment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unpaid Principal Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Associated Allowance</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With no specific allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,752</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,007</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">639</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">893</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">237</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">237</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,880</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,880</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,972</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,147</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,568</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,652</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">341</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">402</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,295</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,541</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">286</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,833</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,958</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">520</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,251</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,349</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">92</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">76</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,812</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,023</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">788</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">788</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,664</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,664</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">764</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,512</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17,195</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">556</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,502</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23,328</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,631</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents information on average balances on impaired loans and the interest income recognized for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="33%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="2%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="23" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">For the years ended March 31,</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest Income recognized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest Income recognized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest Income recognized</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With no specific allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,669</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,541</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,215</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">222</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">729</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">308</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,670</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">83</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,941</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">227</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,865</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">235</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">393</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,230</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,903</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">215</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,508</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,136</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">41</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,158</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">104</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,290</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">142</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,363</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,255</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">513</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,991</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,302</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">133</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">855</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,899</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">212</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,932</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">254</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,732</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">461</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25,805</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">667</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30,351</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">825</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In certain circumstances, loan modifications involve a troubled borrower to whom the Bank may grant a modification. Situations around modifications involving troubled borrowers may include extension of maturity date, reduction in the stated interest rate, rescheduling of future cash flows, reduction in the face amount of the debt or reduction of past accrued interest. In cases where the Bank grants any significant concessions to a troubled borrower, the Bank accounts for the modification as a TDR under ASC Subtopic 310-40 and the related allowance under ASC Section 310-10-35. Loans modified in TDRs are placed on nonaccrual status until the Company determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents an analysis of those loan modifications that were classified as TDRs during the twelve month periods ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="35" rowspan="1"></td></tr><tr><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="33" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Modifications to loans during the years ended March 31, </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="16" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="16" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of loans</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-modification outstanding recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification Recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Modification rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of loans</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-modification outstanding recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification Recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Modification rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification rate</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">12.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">12.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">747</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">867</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5.51</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4.69</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Commercial real estate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">860</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">860</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Business</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">788</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">788</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">8.25</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">8.25</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">844</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">719</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Total</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,691</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,691</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,591</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,586</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:center;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In an effort to proactively manage delinquent loans, Carver has selectively extended to certain borrowers concessions such as extensions, rate reductions or forbearance agreements. For the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">two</font><font style="font-family:inherit;font-size:10pt;"> loans of </font><font style="font-family:inherit;font-size:10pt;">$860 thousand</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$788 thousand</font><font style="font-family:inherit;font-size:10pt;"> were extended and </font><font style="font-family:inherit;font-size:10pt;">one</font><font style="font-family:inherit;font-size:10pt;"> loan of </font><font style="font-family:inherit;font-size:10pt;">$43 thousand</font><font style="font-family:inherit;font-size:10pt;"> was modified with interest rate concessions. For the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">two</font><font style="font-family:inherit;font-size:10pt;"> loans of </font><font style="font-family:inherit;font-size:10pt;">$747 thousand</font><font style="font-family:inherit;font-size:10pt;"> were modified with interest rate concessions and </font><font style="font-family:inherit;font-size:10pt;">one</font><font style="font-family:inherit;font-size:10pt;"> loan of </font><font style="font-family:inherit;font-size:10pt;">$844 thousand</font><font style="font-family:inherit;font-size:10pt;"> was extended. </font></div><div style="line-height:120%;padding-top:13px;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">There were </font><font style="font-family:inherit;font-size:10pt;">no</font><font style="font-family:inherit;font-size:10pt;"> loans at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;"> that had been modified and subsequently defaulted. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">For the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, there were </font><font style="font-family:inherit;font-size:10pt;">12</font><font style="font-family:inherit;font-size:10pt;"> loans in the TDR portfolio totaling </font><font style="font-family:inherit;font-size:10pt;">$4.6 million</font><font style="font-family:inherit;font-size:10pt;"> that were on accrual status as the Company has determined that the future collection of the principal and interest is reasonably assured. This generally represents those borrowers who have performed according to the restructured terms for a period of at least six months. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, there were </font><font style="font-family:inherit;font-size:10pt;">14</font><font style="font-family:inherit;font-size:10pt;"> loans in the performing TDR portfolio totaling </font><font style="font-family:inherit;font-size:10pt;">$6.3 million</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, the Bank had </font><font style="font-family:inherit;font-size:10pt;">one</font><font style="font-family:inherit;font-size:10pt;"> Regulation O loan of $1.5 million to a director. There were </font><font style="font-family:inherit;font-size:10pt;">no</font><font style="font-family:inherit;font-size:10pt;"> loans to officers or directors of the Company at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="49%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amortized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gross Unrealized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Estimated</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair-Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Government National Mortgage Association</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,575</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal Home Loan Mortgage Corporation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(127</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,588</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,925</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">35</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(103</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,857</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,252</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">54</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(287</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,019</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,464</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">48</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(662</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57,850</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,514</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(198</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,316</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total available-for-sale</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102,230</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Government National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,100</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">232</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,332</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,655</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">77</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,732</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,755</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">309</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">167</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">167</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,922</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">309</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,231</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">114,152</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">411</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">113,416</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="49%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amortized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gross Unrealized</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Estimated</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Government National Mortgage Association</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,972</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(307</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,665</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Federal Home Loan Mortgage Corporation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,160</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(564</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,596</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,897</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(466</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29,078</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,337</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55,155</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,966</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,189</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(469</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total available-for-sale</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,233</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,772</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,461</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Government National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,743</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,968</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,079</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Total held-to-maturity mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,822</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,764</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">207</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">207</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,029</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,971</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">103,262</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">225</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,055</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">98,432</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;background-color:#ffff00;"> </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Impact of Recent Accounting Standards Not Yet Adopted</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In January 2014, the FASB issued ASU No. 2014-04, "Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The amendments clarify when an in-substance repossession or foreclosure occurs, and require disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for annual periods, and interim periods within annual periods beginning after December 15, 2015. The adoption of ASU 2014-04 is not expected to have a material impact on the Company's consolidated statement of financial condition or results of operations. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, Carver had 11 loans secured by one-to-four family residential real estate in the process of foreclosure for a total outstanding balance of $1.9 million.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The details of office properties and equipment as of </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="75%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Land</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">155</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">155</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Building and improvements</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,469</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,319</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Leasehold improvements</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,231</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Furniture, equipment, and other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,399</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,724</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31,087</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,429</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less accumulated depreciation and amortization</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(24,012</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(19,599</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Office properties and equipment, net</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,075</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,830</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth information about amounts reclassified from accumulated other comprehensive loss to the consolidated statement of operations and the affected line item in the statement where net income is presented.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="44%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="33%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">For the Twelve Months Ended March 31,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td rowspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Affected Line Item in the Consolidated Statement of Operations</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Reclassification adjustment for sales of available for-sale securities, net of tax</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">552</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gain on sale of securities, net</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Reclassification adjustment for termination of pension plan, net of tax</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,148</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Employee compensation and benefits</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total reclassifications for the period</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(596</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of loans receivable, net of allowance for loan losses, and loans held-for-sale at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="14" rowspan="1"></td></tr><tr><td width="49%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross loans receivable:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">125,020</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">111,220</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,780</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">186,443</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,808</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,107</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,100</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,679</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total loans receivable</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">481,463</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">389,814</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Add:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Premium on loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,233</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">957</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred fees and loan discounts, net</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(503</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(815</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,477</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7,233</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total loans receivable, net</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">478,716</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">382,723</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:13px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans held-for-sale</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,576</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,011</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup> </font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Includes personal loans</font></div></td></tr></table></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables set forth changes in each component of accumulated other comprehensive (loss) income, net of tax for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.2890625%;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td width="52%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other Comprehensive Income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net unrealized gain (loss) on securities available-for-sale</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,723</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,045</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accumulated other comprehensive loss</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,723</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,045</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.484375%;border-collapse:collapse;text-align:left;"><tr><td colspan="17" rowspan="1"></td></tr><tr><td width="44%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Pension Plan Adjustment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other Comprehensive Income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net unrealized gain (loss) on securities available-for-sale</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,832</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net unrealized loss on pension liability</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(501</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(716</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,217</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accumulated other comprehensive income (loss)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">563</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(716</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,615</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,768</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Significant actuarial assumptions used in determining plan benefits for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="9" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Annual salary increase</font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt"> (1)</sup></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Expected long-term return on assets</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Discount rate used in measurement of benefit obligations</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3.75</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup> </font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The annual salary increase rate is not applicable as the plan is frozen and no new benefits accrue.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the plan's changes in benefit obligation, changes in plan assets and funded status and amounts recognized in Carver Federal's consolidated financial statements at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="75%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Change in benefit obligation:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Benefit obligation at the beginning of year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,426</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">61</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Actuarial gain</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(165</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Benefits paid</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,497</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Settlements</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">175</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Benefit obligation at end of year</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Change in fair value of plan assets:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Fair value of plan assets at beginning of year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,023</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Actual return on plan assets</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">120</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Contributions</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Benefits paid</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(97</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Settlements</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Fair value of plan assets at end of year</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Funded status</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Accrued pension cost</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below presents the capital position of the Bank at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="29" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="27" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Tier 1 Leverage</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Common Tier 1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Tier 1 Risk-Based Capital</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Risk-Based Capital</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">($ in thousands)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Regulatory capital</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">67,244</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10.85</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">67,244</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15.10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">67,244</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15.10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">74,738</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16.78</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Minimum capital requirement</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24,793</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,045</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.50</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,727</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">35,636</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Excess</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">42,451</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6.85</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,199</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40,517</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9.10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39,102</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8.78</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:97.4609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="22" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="20" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Tier 1 Leverage</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Tier 1 Risk-Based Capital</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Risk-Based Capital</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">($ in thousands)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ratio</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Regulatory capital</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">66,648</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10.38</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">66,648</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17.55</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">76,429</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20.12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Minimum capital requirement</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57,771</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49,382</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49,382</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Excess</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,877</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.38</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17,266</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.55</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7.12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The components of income tax expense for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follow:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td width="44%" rowspan="1" colspan="1"></td><td width="23%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Income tax expense (benefit):</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Current - Federal</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(35</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">    Current - State</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">166</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">137</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">179</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total income tax expense (benefit)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">166</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">328</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="68%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Years Ended March 31,</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Cash Flows From Operating Activities</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net income (loss)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">364</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(836</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">662</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Adjustments to reconcile net loss to net cash from operating activities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loss (equity) in net income of subsidiaries</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,218</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(14</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,561</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Increase in account receivable from subsidiaries</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Increase in other assets</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(18</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(9</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Increase (decrease) in accounts payable to subsidiaries</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">371</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">422</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Increase (decrease) in other liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">476</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">461</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">386</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other, net</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">33</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net cash provided by (used in) operating activities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(91</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Cash Flows From Financing Activities</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Decrease in borrowings</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Redemption of treasury stock, net</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(30</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Push Down of Capital Raise</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net cash used in financing activities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(30</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net increase (decrease) in cash</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(121</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Cash and cash equivalents – beginning</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,669</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,654</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,775</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Cash and cash equivalents – ending</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,679</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,669</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,654</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="68%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Years Ended March 31,</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Income</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Equity in net income from subsidiaries</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,218</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,561</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other income</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">21</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">35</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,239</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,596</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Expenses</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest expense on borrowings</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">446</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">450</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">471</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Salaries and employee benefits</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">167</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">172</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Shareholder expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">95</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">82</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">167</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">175</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">183</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">875</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">879</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">934</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Income (loss) before income taxes</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">364</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(836</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">662</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Income tax expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Net income (loss)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">364</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(836</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">662</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth certain information regarding Carver Federal's borrowings as of and for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amounts outstanding at the end of year:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB advances</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Subordinated debt securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rate paid at year end:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB advances</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.79</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.93</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.63</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Subordinated debt securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.99</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.99</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.99</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Maximum amount of borrowing outstanding at any month end:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB advances</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">77,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">69,011</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Subordinated debt securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Approximate average amounts outstanding for year:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB advances</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28,299</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">32,825</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31,531</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Subordinated debt securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,403</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Approximate weighted average rate paid during year:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">FHLB advances</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.91</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.84</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.53</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Subordinated debt securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.98</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.99</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3.11</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">%</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tax effects of existing temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities are included in other assets at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="75%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred Tax Assets:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Allowance for loan losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,681</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,373</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred loan costs, net</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(162</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">193</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Nonaccrual loan interest</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">68</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">64</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Purchase accounting adjustment</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">44</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net operating loss carryforward</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17,394</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15,181</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">New markets tax credit</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,207</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,175</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Depreciation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">977</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">782</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Market value adjustment on HFS loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">464</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">752</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Unrealized loss on available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">448</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,908</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">947</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">577</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total Deferred Tax Assets</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24,047</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24,049</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred Tax Liabilities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Income from affiliate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">671</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(46</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total Deferred Tax Liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">671</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(46</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred Tax Assets, net</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23,376</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24,095</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Valuation Allowance</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(23,376</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(24,095</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Deferred Tax Assets, net of valuation allowance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table reconciles the earnings (loss) available to common shareholders (numerator) and the weighted average common stock outstanding (denominator) for both basic and diluted earnings (loss) per share for years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="65%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands except per share data</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net income (loss) attributable to Carver Bancorp, Inc.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">364</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(836</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">662</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less: Capital Purchase Program "CPP" Preferred Dividends</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net income (loss) available to common shareholders of Carver Bancorp, Inc.</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">364</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(836</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">662</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Weighted average common shares outstanding – basic</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,696,359</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,696,149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,695,625</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Effect of dilutive MRP shares</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">253</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">507</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,775</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Weighted average common shares outstanding – diluted</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,696,612</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,696,656</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,697,400</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Basic earnings (loss) per common share</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.10</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.23</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.18</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Diluted earnings (loss) per common share</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.10</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.23</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.18</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a reconciliation of the expected Federal income tax rate to the consolidated effective tax rate for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="21" rowspan="1"></td></tr><tr><td width="38%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Percent</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Percent</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Percent</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Statutory Federal income tax expense (benefit)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">240</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34.0</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(250</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34.0</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">337</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34.0</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> %</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">State and local income tax, net of Federal tax benefit</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">41</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5.8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(16</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.9</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">General business credit</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(32</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4.6</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(32</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.4</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(32</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3.3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Difference in rates</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,568</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(222.4</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,068</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">145.5</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Valuation Allowance</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">741</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">105.0</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(204</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27.7</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">795</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">80.3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Write off DTA due to Section 382 limitation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,132</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(154.1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,363</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(137.7</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">True-ups/Adjustments</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">743</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">103.6</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(34.7</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">524</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53.1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">285</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(38.8</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total income tax expense</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">166</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23.6</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">102</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(13.9</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">328</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">33.1</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> %</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents, by valuation hierarchy, assets that are measured at fair value on a recurring basis as of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, and that are included in the Company's Consolidated Statements of Financial Condition at these dates: </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="43%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value Measurements at March 31, 2015, Using</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Quoted Prices in Active Markets for Identical Assets (Level 1)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Other Observable Inputs (Level 2)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Unobservable Inputs (Level 3)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Fair Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage servicing rights</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Investment securities</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Available-for-sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Government National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,527</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal Home Loan Mortgage Corporation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,588</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,588</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,857</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,857</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57,850</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57,850</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,316</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16,316</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,138</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">101,185</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total assets</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">101,138</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">257</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">101,395</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair Value Measurements at March 31, 2014, Using</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Quoted Prices in Active Markets for Identical Assets (Level 1)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Other Observable Inputs (Level 2)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Significant Unobservable Inputs (Level 3)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:2px solid #000000;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Fair Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage servicing rights</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Investment securities</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Available-for-sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Government National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,665</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,665</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal Home Loan Mortgage Corporation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,596</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11,596</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Federal National Mortgage Association</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,189</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,189</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,412</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,461</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total assets</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">89,412</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">314</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">89,726</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;"></font><font style="font-family:inherit;font-size:10pt;">FHLB-NY advances weighted average interest rates by remaining period to maturity at </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> are as follows:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td width="40%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Maturing Year Ended March 31,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Rate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average Rate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Amount</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2015</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.40%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2016</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.34%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2017</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2018 and after </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.50%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.50%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.79%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">65,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.93%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of nonaccrual loans at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="71%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loans accounted for on a nonaccrual basis:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Gross loans receivable:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,664</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,301</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Multifamily</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,053</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Commercial real estate</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,817</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,024</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Business</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">861</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">993</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total nonaccrual loans</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8,395</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,559</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Lease Commitments.</font><font style="font-family:inherit;font-size:10pt;">  Rentals under long-term operating leases for certain branches aggregated approximately </font><font style="font-family:inherit;font-size:10pt;">$1.6 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$1.5 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$1.8 million</font><font style="font-family:inherit;font-size:10pt;"> for fiscal years </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, respectively. As of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, minimum rental commitments under all non-cancelable leases with initial or remaining terms of more than one year and expiring through 2025 follow:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="13" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Year Ending March 31,</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Minimum </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rental</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Sublet </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Net</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2015</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,558</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,558</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2016</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,515</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,515</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2017</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,543</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,543</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,130</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,130</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2019</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,032</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,032</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Thereafter</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,364</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,364</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,142</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,142</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net periodic pension cost includes the following components for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="62%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">61</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">106</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Unrecognized loss</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Settlement charge</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,180</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">100</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Expected return on plan assets</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(106</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(176</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net periodic pension cost</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,169</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">75</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables set forth certain unaudited financial data for our quarterly operations in fiscal </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">. The following information has been prepared on the same basis as the annual information presented elsewhere in this report and, in the opinion of management, includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the information for the quarterly periods presented. The operating results for any quarter are not necessarily indicative of results for any future period.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="40%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands, except per share data</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">June 30, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">September 30, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">December 31, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;text-decoration:underline;">Fiscal 2015</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,758</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,590</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,714</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(991</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(992</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,013</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(946</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,767</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,598</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,252</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,768</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Recovery of loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">780</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">713</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">365</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,202</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,562</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,408</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,394</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6,547</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6,753</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6,789</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6,622</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Income tax expense</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(16</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(31</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net loss (income) attributable to noncontrolling interest</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(17</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">147</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">151</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net income attributable to Carver Bancorp, Inc.</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">169</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">111</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(126</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Earnings per common share*</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Basic</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.05</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.06</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.03</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.03</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Diluted</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.05</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.06</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.03</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.03</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">* Difference in total earnings per share to Consolidated Statement of Operations is due to rounding</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of </font><font style="font-family:inherit;font-size:10pt;">$432 thousand</font><font style="font-family:inherit;font-size:10pt;"> in the third quarter of fiscal </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of </font><font style="font-family:inherit;font-size:10pt;">$716 thousand</font><font style="font-family:inherit;font-size:10pt;"> and adjusted its third quarter results. The Company also reclassified </font><font style="font-family:inherit;font-size:10pt;">$716 thousand</font><font style="font-family:inherit;font-size:10pt;"> from accumulated deficit to accumulated other comprehensive loss in its fiscal year </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30. The table below provides the individual line items as originally reported in the third quarter and their revised amounts:  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="40%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands, except per share data</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">June 30, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">September 30, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">December 31, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">December 31, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(reported)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(adjusted)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;text-decoration:underline;">Fiscal 2014</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,569</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,942</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,004</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,004</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,733</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,009</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(977</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(979</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(979</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(986</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,560</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,965</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,025</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,025</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,747</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(Provision for) recovery of loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(831</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">505</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,052</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,052</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(300</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,130</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,577</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,889</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,280</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6,599</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7,535</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(8,251</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7,243</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Income tax expense</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(72</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(16</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Noncontrolling interest, net of taxes</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(93</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(90</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">147</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">147</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">146</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Net income (loss) attributable to Carver Bancorp, Inc.</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">414</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">342</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(107</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(823</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(769</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Earnings (loss) per common share</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Basic</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.11</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.09</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.03</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.22</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.21</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Diluted</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.11</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0.09</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.03</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.22</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(0.21</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table includes a rollforward of assets classified by the Company within Level 3 of the valuation hierarchy for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;padding-left:6px;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="22%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="17%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Beginning balance, April 1, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Realized/Unrealized Gains/(Losses) Recorded in Income </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Issuances / (Settlements)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Transfers to/(from) Level 3</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ending balance, March 31, 2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Securities Available-for-Sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage Servicing Rights</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(55</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(51</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;padding-left:6px;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="23" rowspan="1"></td></tr><tr><td width="22%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="17%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Beginning balance, April 1, 2013</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total Realized/Unrealized Gains/(Losses) Recorded in Income </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Issuances / (Settlements)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Transfers to/(from) Level 3</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ending balance, March 31, 2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Securities Available-for-Sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage Servicing Rights</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">275</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1) </sup></font><font style="font-family:inherit;font-size:9pt;">Includes net servicing cash flows and the passage of time.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Information regarding stock options as of and for the years ended </font><font style="font-family:inherit;font-size:10pt;">March 31</font><font style="font-family:inherit;font-size:10pt;"> is as follows:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="25%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Options </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exercise </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Price</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Options </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exercise </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Price</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Options </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exercise </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Price</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Outstanding, beginning of year</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,029</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">258.16</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,362</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255.17</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,362</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">235.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Granted</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Exercised</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Expired/Forfeited</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">294.45</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,333</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">246.15</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">180.90</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Outstanding, end of year</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,029</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">246.18</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,029</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">258.16</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,362</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255.17</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Exercisable, at year end</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,002</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,975</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,229</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1) </sup></font><font style="font-family:inherit;font-size:9pt;"> Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Information regarding stock options as of and for the year ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> is as follows :</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="18" rowspan="1"></td></tr><tr><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td></tr><tr><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Options Outstanding</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="4" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Options Exercisable</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Range of </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exercise Prices</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Shares</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Remaining </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Life</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exercise </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Price</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Shares</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Weighted </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Average </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exercise </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Price</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">90.00</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">104.85</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">134</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5.36</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$97.50</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">107</font></div></td><td style="vertical-align:bottom;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$97.50</font></div></td></tr><tr><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">240.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">254.85</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,899</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.78</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">250.61</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,899</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16.71</font></div></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">255.00</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">269.85</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">996</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.18</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">257.63</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">996</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">257.63</font></div></td></tr><tr><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br clear="none"/></font></div></td></tr><tr><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> Total</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,029</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,002</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> for less than 12 months and 12 months or longer:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Less than 12 months</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">12 months or longer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(287</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,297</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(287</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22,297</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,943</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(605</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(662</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39,343</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(198</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,802</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(198</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,802</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Total available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,943</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,090</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,499</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">71,442</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(57</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,943</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,090</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58,499</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,147</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">71,442</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;"> for less than 12 months and 12 months or longer:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Less than 12 months</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">12 months or longer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unrealized </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Fair </font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Available-for-Sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(322</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,569</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,015</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,123</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,337</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27,692</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">U.S. Government Agency Securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,646</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34,074</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1,320</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18,115</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,966</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52,189</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Other investments </font><font style="font-family:inherit;font-size:9pt;"><sup style="vertical-align:top;line-height:120%;font-size:6pt">(1)</sup></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(469</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(469</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9,531</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">  Total available-for-sale securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,437</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51,174</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,335</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38,238</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4,772</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">89,412</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Held-to-Maturity:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Mortgage-backed securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total held-to-maturity securities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(283</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,796</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total securities</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,720</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55,970</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2,335</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38,238</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5,055</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,208</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank's involvement with VIEs, consolidated and unconsolidated, in which the company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE is presented below: </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="31" rowspan="1"></td></tr><tr><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;"> Involvement with SPE (000's)</font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Funded Exposure</font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Unfunded Exposure</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Recognized Gain (Loss) (000's)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Total Rights transferred</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Consolidated assets</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Significant unconsolidated VIE assets</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> Total Involvement with SPE asset</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Debt Investments</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;font-weight:bold;">Equity Investments </font><font style="font-family:inherit;font-size:7.5pt;font-weight:bold;"><sup style="vertical-align:top;line-height:120%;font-size:pt">(1)</sup></font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Funding Commitments</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Maximum exposure to loss</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Carver Statutory Trust 1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 1-9, CDE 11-12</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,186</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,186</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,800</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,800</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 10</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,700</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,410</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,410</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 13</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,567</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,567</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,095</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,096</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 14</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">400</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,034</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,034</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,900</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,901</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 15, CDE 16, CDE 17</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">900</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,995</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,997</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 18</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">600</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,254</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,282</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,282</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,169</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,170</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 19</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,746</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,922</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10,922</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,191</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,192</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 20</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">625</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,219</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,219</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,875</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,876</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">CDE 21</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">625</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,271</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12,271</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,875</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,876</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,850</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">149,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14,186</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">103,414</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">117,600</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">408</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50,310</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">63,718</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, and based on the most recent analysis performed in the current quarter, the risk category by class of loans is as follows:</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="42%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile by Internally Assigned Grade:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">93,218</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">181,340</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">62,419</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Special Mention</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,890</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,065</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Substandard</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,488</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,621</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,115</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Doubtful</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loss</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">94,706</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">185,851</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,076</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70,599</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile Based on Payment Activity:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Performing</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">122,689</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-Performing</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3,838</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">126,527</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">434</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, and based on the most recent analysis performed, the risk category by class of loans is as follows:</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="42%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multifamily</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Commercial Real Estate</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Business</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile by Internally Assigned Grade:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">46,028</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">184,850</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20,638</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Special Mention</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7,129</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,295</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Substandard</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1,497</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6,122</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4,998</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Doubtful</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Loss</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47,525</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">198,101</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5,070</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26,931</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Credit Risk Profile Based on Payment Activity:</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Performing</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">109,890</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">137</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Non-Performing</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2,301</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">112,191</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">138</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Basis of consolidated financial statement presentation</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The consolidated financial statements include the accounts of the Company, the Bank and the Bank's wholly owned or majority-owned subsidiaries, Carver Asset Corporation, CFSB Realty Corp., CCDC, and CFSB Credit Corp. All significant intercompany accounts and transactions have been eliminated in consolidation.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (GAAP). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated statement of financial condition and revenues and expenses for the period then ended. Amounts subject to significant estimates and assumptions are items such as the allowance for loan losses, valuation of real estate owned, realization of deferred tax assets, and the fair value of financial instruments. While management uses available information to recognize losses on loans, future additions to the allowance for loan losses or future writedowns of real estate owned may be necessary based on changes in economic conditions in the areas where Carver Federal has extended mortgages and other credit instruments. Actual results could differ significantly from those assumptions. Current market conditions increase the risk and complexity of the judgments in these estimates.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In addition, the OCC, Carver Federal's regulator, as an integral part of its examination process, periodically reviews Carver Federal's allowance for loan losses and, if applicable, real estate owned valuations. The OCC may require Carver Federal to recognize additions to the allowance for loan losses or additional writedowns of real estate owned based on their judgments about information available to them at the time of their examination.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In addition, no assurances can be given that the Company will continue to comply with all provisions of the Order. Failure to comply with these provisions could result in further regulatory actions to be taken by the regulators.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cash and cash equivalents</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">For the purpose of reporting cash flows, cash and cash equivalents include cash, amounts due from depository institutions, federal funds sold and other short-term instruments with original maturities of three months or less.  Federal funds sold are generally sold for one-day periods.  The amounts due from depository institutions include a non-interest bearing account held at the Federal Reserve Bank where any additional cash reserve required on demand deposits would be maintained.  Currently, this reserve requirement is zero since the Bank's vault cash satisfies cash reserve requirements for deposits.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Investment Securities</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">When purchased, investment securities are designated as either investment securities held-to-maturity, available-for-sale or trading.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities are classified as held-to-maturity and carried at amortized cost only if the Bank has a positive intent and ability to hold such securities to maturity.  Securities held-to-maturity are carried at cost, adjusted for the amortization of premiums and the accretion of discounts using the level-yield method over the remaining period until maturity.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If not classified as held-to-maturity or trading, securities are classified as available-for-sale based upon management's ability to sell in response to actual or anticipated changes in interest rates, resulting prepayment risk or any other factors. Available-for-sale securities are reported at fair value. Estimated fair values of securities are based on either published or security dealers' market value if available. If quoted or dealer prices are not available, fair value is estimated using quoted or dealer prices for similar securities.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and are reported at fair value with unrealized gains and losses included in earnings. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company conducts periodic reviews to identify and evaluate each investment that has an unrealized holding loss. Unrealized holding gains or losses for securities available-for-sale are excluded from earnings and reported net of deferred income taxes in accumulated other comprehensive loss, a component of Stockholders' Equity. Following Financial Accounting Standards Board ("FASB") guidance, the amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Bank will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss). </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">During fiscal years </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, no other-than-temporary impairment charges were recorded.  Gains or losses on sales of securities of all classifications are recognized based on the specific identification method.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loans Held-for-Sale</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans are only moved to held-for-sale classification upon the determination by Carver to sell a loan. Held-for-sale loans are carried at the lower of cost or market value.  The initial charge-off, if any is required, will be taken upon the move to held-for-sale and absorbed through Carver's loan loss reserve.  The need for further charge-offs is periodically evaluated if the loan remains classified as held-for-sale for an extended period of time using the valuation methodologies identified below.  Any subsequently required charge-off is processed as a mark-to-market adjustment. The valuation methodology for loans held-for-sale varies based upon the circumstances.  Held-for-sale values may be based upon accepted offer amounts, appraised value of underlying mortgaged premises, prior loan loss experience of Carver in connection with recent loan sales for the loan type in question, and/or other acceptable valuation methods.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loans Receivable</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans receivable are carried at unpaid principal balances plus unamortized premiums, purchase accounting mark-to-market adjustments, certain deferred direct loan origination costs and deferred loan origination fees and discounts, less the allowance for loan losses and charge-offs.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank defers loan origination fees and certain direct loan origination costs and amortizes or accretes such amounts as an adjustment of yield over the contractual lives of the related loans using methodologies which approximate the interest method.  Premiums and discounts on loans purchased are amortized or accreted as an adjustment of yield over the contractual lives of the related loans, adjusted for prepayments when applicable, using methodologies which approximate the interest method.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans are placed on nonaccrual status when they are past due 90 days or more as to contractual obligations or when other circumstances indicate that collection is not probable.  When a loan is placed on nonaccrual status, any interest accrued but not received is reversed against interest income.  Payments received on a nonaccrual loan are either applied to protective advances, the outstanding principal balance or recorded as interest income, depending on an assessment of the ability to collect the loan.  A nonaccrual loan is restored to accrual status when principal and interest payments become less than 90 days past due and its future collectability is reasonably assured.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If the Bank determines that there is an impairment dollar amount, the Bank next determines whether the amount of impairment is permanent.  The amount of impairment determined to be permanent is charged off within the given fiscal quarter.  All other amounts are recorded as a specific valuation allowance (“SVA”) reserve.  Generally the amount of the loan and negative escrow in excess of the appraised value, for the fair value of collateral valuation method, is determined to be permanent and charged off.  The amount attributable to the expected cost to sell, is recorded as a specific valuation allowance.  In the event the Bank is using the collateral dependent determination for the dollar amount of impairment and the Bank does not have an accepted appraisal (for example, the Bank may utilize a broker’s price opinion), the Bank generally will treat all dollar amounts identified as impaired to be other than a permanent impairment and the full impaired amount will be recorded as a specific valuation allowance.  For impairment amounts calculated utilizing the present value of expected future cash flows, the dollar amount of impairment is recorded as a specific valuation allowance.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Allowance for Loan and Lease Losses ("ALLL")</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The adequacy of the Bank's ALLL is determined, in accordance with the Interagency Policy Statement on the Allowance for Loan and Lease Losses (the “Interagency Policy Statement”) released by the OCC on December 13, 2006 and in accordance with ASC Subtopics 450-20 "Loss Contingencies" and 310-10 "Accounting by Creditors for Impairment of a Loan."  Compliance with the Interagency Policy Statement includes management's review of the Bank's loan portfolio, including the identification and review of individual problem situations that may affect a borrower's ability to repay.  In addition, management reviews the overall portfolio quality through an analysis of delinquency and non-performing loan data, estimates of the value of underlying collateral, current charge-offs and other factors that may affect the portfolio, including a review of regulatory examinations, an assessment of current and expected economic conditions and changes in the size and composition of the loan portfolio.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The ALLL reflects management's evaluation of the loans presenting identified loss potential, as well as the risk inherent in various components of the portfolio.  There is significant judgment applied in estimating the ALLL.  These assumptions and estimates are susceptible to significant changes from period to period. Further, any change in the size of the loan portfolio or any of its components could necessitate an increase in the ALLL even though there may not be a decline in credit quality or an increase in potential problem loans. As such, there can never be assurance that the ALLL accurately reflects the actual loss potential inherent in a loan portfolio.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">General Reserve Allowance</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carver's maintenance of a general reserve allowance in accordance with ASC Subtopic 450-20 includes the Bank's evaluating the risk to loss potential of homogeneous pools of loans based upon historical loss factors and a review of nine different environmental factors that are then applied to each pool.  The pools of loans (“Loan Type”) are:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1-4 Family</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Multifamily</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial Real Estate</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business Loans</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SBA Loans</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other (Consumer and Overdraft Accounts)</font></div></td></tr></table><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The pools are further segregated into the following risk rating classes:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pass </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Special Mention</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substandard</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">•</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Doubtful</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank next applies to each pool a risk factor that determines the level of general reserves for the specific pool.  The Bank estimates its historical charge-offs via a lookback analysis. The actual historical loss experience by major loan category is expressed as a percentage of the outstanding balance of all loans within the category. As the loss experience for a particular loan category increases or decreases, the level of reserves required for that particular loan category also increases or decreases. The Bank’s historical charge-off rate reflects the period over which the charge-offs were confirmed and recognized, not the period over which the earlier losses occurred. That is, the charge-off rate measures the confirmation of losses over a period that occurs after the earlier actual losses. During the period between the loss-causing events and the eventual confirmations of losses, conditions may have changed. There is always a time lag between the period over which average charge-off rates are calculated and the date of the financial statements. During that period, conditions may have changed. Another factor influencing the General Reserve is the Bank’s Loss Emergence Period (LEP) assumptions which represent the Bank’s estimate of the average amount of time from the point at which a loss is incurred to the point at which the loss is confirmed, either through the identification of the loss or a charge-off. The Bank generally considers coverage of one year’s losses an appropriate benchmark for most pools of loans because the probable loss on any given pool should ordinarily become apparent in that time frame. In some instances, the Bank may be able, however, to demonstrate a reliance on an LEP less than 12 months coverage based upon adequate management information systems and effective methodologies for estimating losses. However, in some instances, such as in its Commercial Real Estate, Multifamily and Business segments the Bank demonstrates a reliance on a LEP in excess of 12 months. The Bank also recognizes losses in accordance with regulatory charge-off criteria. </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Because actual loss experience may not adequately predict the level of losses inherent in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be adjusted based upon any of those factors.  As the risk ratings worsen, some of the qualitative factors tend to increase.  The nine qualitative factors the Bank considers and may utilize are:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Policy & Procedures</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">2.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Economy</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">3.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the nature or volume of the loan portfolio and in the terms of loans (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Nature & Volume</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">4.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the experience, ability, and depth of lending management and other relevant staff (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Management</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">5.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Problem Assets</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">6.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the quality of the loan review system (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Loan Review</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">7.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Changes in the value of underlying collateral for collateral dependent loans (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Collateral Values</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">8.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The existence and effect of any concentrations of credit and changes in the level of such concentrations (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Concentrations</font><font style="font-family:inherit;font-size:10pt;">).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">9.</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">External Forces</font><font style="font-family:inherit;font-size:10pt;">). </font></div></td></tr></table><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Specific Reserve Allowance</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carver also maintains a specific reserve allowance for criticized and classified loans individually reviewed for impairment in accordance with ASC Subtopic 310-10 guidelines. The amount assigned to the specific reserve allowance is individually determined based upon the loan. The ASC Subtopic 310-10 guidelines require the use of one of three approved methods to estimate the amount to be reserved and/or charged off for such credits. The three methods are as follows:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-left:0px;text-align:left;text-indent:24px;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:24px;">1.</font><font style="font-family:inherit;font-size:10pt;">The present value of expected future cash flows discounted at the loan's effective interest rate,</font></div><div style="line-height:120%;padding-left:0px;text-align:left;text-indent:24px;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:24px;">2.</font><font style="font-family:inherit;font-size:10pt;">The loan's observable market price; or </font></div><div style="line-height:120%;padding-left:0px;text-align:left;text-indent:24px;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:24px;">3.</font><font style="font-family:inherit;font-size:10pt;">The fair value of the collateral if the loan is collateral dependent.</font></div><div style="line-height:120%;text-align:left;padding-left:54px;text-indent:-30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The institution may choose the appropriate ASC Subtopic 310-10 measurement on a loan-by-loan basis for an individually impaired loan, except for an impaired collateral dependent loan.  Guidance requires impairment of a collateral dependent loan to be measured using the fair value of collateral method. A loan is considered "collateral dependent" when the repayment of the debt will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment. </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Criticized and classified loans with at risk balances of $500,000 or more and loans below $500,000 that the Chief Credit Officer deems appropriate for review, are identified and reviewed for individual evaluation for impairment in accordance with ASC Subtopic 310-10. Carver also performs impairment analysis for all troubled debt restructurings (“TDRs”).  If it is determined that it is probable the Bank will be unable to collect all amounts due according with the contractual terms of the loan agreement, the loan is categorized as impaired.  </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If the loan is determined to be not impaired, it is then placed in the appropriate pool of criticized and classified loans to be evaluated collectively for impairment.  Loans determined to be impaired are evaluated to determine the amount of impairment based on one of the three measurement methods noted above.  The Bank then determines whether the impairment amount is permanent, in which case the loan is written down by the amount of the impairment, or if it is other than permanent, in which case the Bank establishes a specific valuation reserve that is included in the total ALLL.  In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Troubled Debt Restructured Loans</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">TDRs are those loans whose terms have been modified because of deterioration in the financial condition of the borrower and a concession is made. Modifications could include extension of the terms of the loan, reduced interest rates, capitalization of interest and forgiveness of accrued interest and/or principal. Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full. For cash flow dependent loans, the Bank records a specific valuation allowance reserve equal to the difference between the present value of estimated future cash flows under the restructured terms discounted at the loan's original effective interest rate, and the loan's original carrying value. For a collateral dependent loan, the Bank records an impairment charge when the current estimated fair value of the property that collateralizes the impaired loan, if any, is less than the recorded investment in the loan. TDR loans remain on nonaccrual status until they have performed in accordance with the restructured terms for a period of at least six months.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Representation and Warranty Reserve </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”).  The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSEs). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Management has established a representation and warranty reserve for losses associated with the repurchase of mortgage loans sold by the Bank to FNMA that we consider to be both probable and reasonably estimable.  These reserves are reported in our consolidated statement of financial condition as a component of other liabilities.  The calculation of the reserve is based on estimates, which are uncertain, and require the application of judgment.  In establishing the reserves, we consider a variety of factors, including those loans that are under review by FNMA that have not yet received a repurchase request. The Bank tracks the FNMA claims monthly and evaluates the reserve on a quarterly basis. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Segment Reporting</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company has determined that all of its activities constitute one reportable operating segment.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Concentration of Risk</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Bank's principal lending activities are concentrated in loans secured by real estate, a substantial portion of which is located in New York City.  Accordingly, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in New York's real estate market conditions.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Office Properties and Equipment</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Office properties and equipment are comprised of land, at cost, and buildings, building improvements, furnishings and equipment and leasehold improvements, at cost less accumulated depreciation and amortization.  Depreciation and amortization charges are computed using the straight-line method over the following estimated useful lives:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2" rowspan="1"></td></tr><tr><td width="50%" rowspan="1" colspan="1"></td><td width="50%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Buildings and improvements</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10 to 25 years</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Furnishings and equipment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3 to 5 years</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Leasehold improvements</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Lesser of useful life or remaining term of lease</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Maintenance, repairs and minor improvements are charged to non-interest expense in the period incurred.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Federal Home Loan Bank Stock</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The FHLB-NY has assigned to the Bank a mandated membership stock purchase, based on the Bank's asset size. In addition, for all borrowing activity, the Bank is required to purchase shares of FHLB-NY non-marketable capital stock at par. Such shares are redeemed by FHLB-NY at par with reductions in the Bank's borrowing levels. On a quarterly basis, these shares are evaluated for other-than-temporary impairment. We do not consider these shares to be other-than-temporarily impaired at </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">. The Bank carries this investment at historical cost.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage Servicing Rights</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">All separately recognized servicing assets are included in Other Assets and measured at fair value. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Real Estate Owned</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate acquired by foreclosure or deed in lieu of foreclosure is recorded at the lower of loan carrying amount or the fair value at the date of acquisition less estimated selling costs. At the time of origination of the real estate owned, the real property value is adjusted to its current fair value. Any subsequent adjustments will be to the lower of cost or market. The fair value of such assets is determined based primarily upon independent appraisals and other relevant factors.  The amounts ultimately recoverable from real estate owned could differ from the net carrying value of these properties because of economic conditions.  Costs incurred to improve properties or prepare them for sale are capitalized.  Revenues and expenses related to the holding and operating of properties are recognized in operations as earned or incurred.  Gains or losses on sale of properties are recognized as incurred.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Income Taxes</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company records income taxes in accordance with ASC 740 “Income Taxes,” as amended, using the asset and liability method. Income tax expense (benefit) consists of income taxes currently payable (receivable) and deferred income taxes.  Temporary differences between the basis of assets and liabilities for financial reporting and tax purposes are measured as of the balance sheet date.  Deferred tax liabilities or recognizable deferred tax assets are calculated on such differences, using current statutory rates, which result in future taxable or deductible amounts.  The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Where applicable, deferred tax assets are reduced by a valuation allowance for any portion determined not likely to be realized. Generally, this valuation allowance would subsequently be adjusted by a charge or credit to income tax expense as changes in facts and circumstances warrant.  A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Any interest expense or penalties would be recorded as interest expense.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Earnings (Loss) per Common Share</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic earnings (loss) per share (“EPS”) is computed by dividing income (loss) available to common stockholders by the weighted average number of common shares outstanding.  Diluted earnings per common share includes any additional common shares as if all potentially dilutive common shares were issued (for instance, stock options with an exercise price that is less than the average market price of the common shares for the periods stated).  </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Preferred and Common Dividends </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company is prohibited from paying any dividends without prior regulatory approval pursuant to the terms of the Cease and Desist Orders to which it is subject, and is generally subject to regulations governing the payment of dividends.  See Item 1 - Business - Regulation and Supervision - Cease and Desist Orders and - Capital and Liquidity.  As previously disclosed in a Form 8-K filed with the SEC on October 29, 2010, the Company's Board of Directors announced that based on highly uncertain economic conditions and the desire to preserve capital, the Company had suspended payment of the quarterly cash dividend on its common stock. There are no assurances that the payments of common stock dividends will resume.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Treasury Stock</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Treasury stock is recorded at cost and is presented as a reduction of stockholders' equity.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pension Plans</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company's pension obligations, and the related costs, are calculated using actuarial concepts within the framework of the FASB guidance. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected return on plan assets. The Company evaluates these critical assumptions on an annual basis. Other factors considered by the Company include retirement patterns, mortality, and turnover.</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Actuarial gain and losses, prior services cost or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in accumulated other comprehensive income (loss), net of tax effects, until they are amortized as a component of net of periodic benefit cost.  In addition, the measurement date (i.e., the date at which plan assets and the benefit obligation are measured for financial reporting purposes) is required to be the company's fiscal year-end. </font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">NMTC fee income</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The fee income the Company receives related to the transfers of its New Market Tax Credits varies with each transaction but all are similar in nature.  There are two basic types of fees associated with these transactions.  The first is a “sub-allocation fee” that is paid to CCDC when the tax credits are allocated to a subsidiary entity at the time a qualified equity investment is made.  This fee is recognized by the Company at the time of allocation.  The second type of fee is paid to cover the administrative and servicing costs associated with CCDC's compliance with NMTC reporting requirements.  This fee is recognized as the services are rendered.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Reclassifications</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Certain amounts in the consolidated financial statements presented for prior years have been reclassified to conform to the current year presentation.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Impact of Recent Accounting Standards Not Yet Adopted</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In January 2014, the FASB issued ASU No. 2014-04, "Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The amendments clarify when an in-substance repossession or foreclosure occurs, and require disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for annual periods, and interim periods within annual periods beginning after December 15, 2015. The adoption of ASU 2014-04 is not expected to have a material impact on the Company's consolidated statement of financial condition or results of operations. At </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, Carver had 11 loans secured by one-to-four family residential real estate in the process of foreclosure for a total outstanding balance of $1.9 million.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents an analysis of those loan modifications that were classified as TDRs during the twelve month periods ended </font><font style="font-family:inherit;font-size:10pt;">March 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">March 31, 2014</font><font style="font-family:inherit;font-size:10pt;">:</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="35" rowspan="1"></td></tr><tr><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="5%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="33" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Modifications to loans during the years ended March 31, </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="16" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="16" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-style:italic;font-weight:bold;">$ in thousands</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of loans</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-modification outstanding recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification Recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Modification rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of loans</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-modification outstanding recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification Recorded investment</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Modification rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Modification rate</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">One-to-four family</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">43</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">12.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">12.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">747</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">867</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5.51</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4.69</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Commercial real estate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">860</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">860</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Business</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">788</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">788</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">8.25</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">8.25</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">844</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">719</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Total</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,691</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,691</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,591</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,586</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div></div>

(1) The annual salary increase rate is not applicable as the plan is frozen and no new benefits accrue. (1) The open claims include all open requests received by the Bank where either FNMA has requested loan files for review, where FNMA has not formally rescinded the repurchase request or where the Bank has not agreed to repurchase the loan. The amounts reflected in this table are the unpaid principal balance and do not incorporate any losses the Bank would incur upon the repurchase of these loans. (1) Includes personal loans (1) Includes net servicing cash flows and the passage of time. Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011 (1) Effective rate is 2.13% which includes the net impact of the amortization of the termination fee on restructured borrowing. (1) Excludes any proceeds realized from exchange of equity interest in CDEs as detailed below. (1) Adjustment reflected within total equity relating to the accounting for pension plans under ASC 715-30. Refer to notes 1, 13 and 18 for further detail. (1) Reported in consolidated statements of financial condition as a component of other liabilities. (2) Component of other non-interest expense.

EX-101.SCH 9 carv-20150331.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 2406402 - Disclosure - Accrued Interest Receivable Accrued Interest Receivable (Details) link:presentationLink link:calculationLink link:definitionLink 2306301 - Disclosure - Accrued Interest Receivable Accrued Interest Receivable (Tables) link:presentationLink link:calculationLink link:definitionLink 2106100 - Disclosure - Accrued Interest Receivable (Notes) link:presentationLink link:calculationLink link:definitionLink 2404403 - Disclosure - Allowance for Loan Losses (Details) link:presentationLink link:calculationLink link:definitionLink 2408404 - Disclosure - Borrowed Money Borrowed Money Text tag (Details) link:presentationLink link:calculationLink link:definitionLink 2408403 - Disclosure - Borrowed Money Borrowings (Details) link:presentationLink link:calculationLink link:definitionLink 2408402 - Disclosure - Borrowed Money FHLB-NY Advances (Details) link:presentationLink link:calculationLink link:definitionLink 2108100 - Disclosure - Borrowed Money (Notes) link:presentationLink link:calculationLink link:definitionLink 2308301 - Disclosure - Borrowed Money (Tables) link:presentationLink link:calculationLink link:definitionLink 2119100 - Disclosure - Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Notes) link:presentationLink link:calculationLink link:definitionLink 2319301 - Disclosure - Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Tables) link:presentationLink link:calculationLink link:definitionLink 2419404 - Disclosure - Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Cash Flow (Details) link:presentationLink link:calculationLink link:definitionLink 2419402 - Disclosure - Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Financial Condition (Details) link:presentationLink link:calculationLink link:definitionLink 2419403 - Disclosure - Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Income (Details) link:presentationLink link:calculationLink link:definitionLink 2314301 - Disclosure - Commitments and Contingencies Commitments and Contingencies (Tables) link:presentationLink link:calculationLink link:definitionLink 2414402 - Disclosure - Commitments and Contingencies Commitments (Details) link:presentationLink link:calculationLink link:definitionLink 2414405 - Disclosure - Commitments and Contingencies Lease Commitments (Details) link:presentationLink link:calculationLink link:definitionLink 2114100 - Disclosure - Commitments and Contingencies (Notes) link:presentationLink link:calculationLink link:definitionLink 2414404 - Disclosure - Commitments and Contingencies Representation and warranty reserve (Details) link:presentationLink link:calculationLink link:definitionLink 2414403 - Disclosure - Commitments and Contingencies Repurchase request (Details) link:presentationLink link:calculationLink link:definitionLink 2414406 - Disclosure - Commitments and Contingencies Text figures (Details) link:presentationLink link:calculationLink link:definitionLink 1004000 - Statement - Consolidated Statement of Changes in Stockholders' Equity link:presentationLink link:calculationLink link:definitionLink 1004000 - Statement - Consolidated Statements of Cash Flows link:presentationLink link:calculationLink link:definitionLink 1003000 - Statement - Consolidated Statements of Comprehensive Income (Loss) Statement link:presentationLink link:calculationLink link:definitionLink 1001000 - Statement - Consolidated Statements of Financial Position link:presentationLink link:calculationLink link:definitionLink 1001501 - Statement - Consolidated Statements of Financial Position Parentheticals link:presentationLink link:calculationLink link:definitionLink 1002000 - Statement - Consolidated Statements of Operations link:presentationLink link:calculationLink link:definitionLink 2404406 - Disclosure - Credit Risk Profile Internal Grade (Details) link:presentationLink link:calculationLink link:definitionLink 2407404 - Disclosure - Deposits Certificates of Deposits $100,000 or more (Details) link:presentationLink link:calculationLink link:definitionLink 2407402 - Disclosure - Deposits Deposits and interest rates (Details) link:presentationLink link:calculationLink link:definitionLink 2407405 - Disclosure - Deposits Interest Expense on Deposits (Details) link:presentationLink link:calculationLink link:definitionLink 2407403 - Disclosure - Deposits Maturities of Certificate of Deposits (Details) link:presentationLink link:calculationLink link:definitionLink 2107100 - Disclosure - Deposits (Notes) link:presentationLink link:calculationLink link:definitionLink 2307301 - Disclosure - Deposits (Tables) link:presentationLink link:calculationLink link:definitionLink 0001000 - Document - Document and Entity Information Document link:presentationLink link:calculationLink link:definitionLink 2110100 - Disclosure - Earnings (Loss) Per Common Share link:presentationLink link:calculationLink link:definitionLink 2410402 - Disclosure - Earnings (Loss) Per Share (Details) link:presentationLink link:calculationLink link:definitionLink 2310301 - Disclosure - Earnings (Loss) Per Share (Tables) link:presentationLink link:calculationLink link:definitionLink 2413404 - Disclosure - Employee Benefit and Stock Compensation Plans Actuarial Assumptions for Plan Benefits (Details) link:presentationLink link:calculationLink link:definitionLink 2413408 - Disclosure - Employee Benefit and Stock Compensation Plans Benefit and Stock Compensation Text tags (Details) link:presentationLink link:calculationLink link:definitionLink 2413402 - Disclosure - Employee Benefit and Stock Compensation Plans Benefits (Details) link:presentationLink link:calculationLink link:definitionLink 2413406 - Disclosure - Employee Benefit and Stock Compensation Plans Information regarding stock options (Details) link:presentationLink link:calculationLink link:definitionLink 2413403 - Disclosure - Employee Benefit and Stock Compensation Plans Net Periodic Pension Benefit (Details) link:presentationLink link:calculationLink link:definitionLink 2113100 - Disclosure - Employee Benefit and Stock Compensation Plans (Notes) link:presentationLink link:calculationLink link:definitionLink 2413407 - Disclosure - Employee Benefit and Stock Compensation Plans Option pricing model assumptions (Details) link:presentationLink link:calculationLink link:definitionLink 2413405 - Disclosure - Employee Benefit and Stock Compensation Plans Stock Options (Details) link:presentationLink link:calculationLink link:definitionLink 2313301 - Disclosure - Employee Benefit and Stock Compensation Plans (Tables) link:presentationLink link:calculationLink link:definitionLink 2415403 - Disclosure - Fair Value Measurements Assets classified within Level 3 valuation (Details) link:presentationLink link:calculationLink link:definitionLink 2115100 - Disclosure - Fair Value Measurements Fair Value Measurements (Notes) link:presentationLink link:calculationLink link:definitionLink 2315301 - Disclosure - Fair Value Measurements Fair Value Measurements (Tables) link:presentationLink link:calculationLink link:definitionLink 2415404 - Disclosure - Fair Value Measurements Fair Value on a Non-recurring basis (Details) link:presentationLink link:calculationLink link:definitionLink 2415405 - Disclosure - Fair Value Measurements Text Tag (Details) link:presentationLink link:calculationLink link:definitionLink 2116100 - Disclosure - Fair Value of Financial Instruments link:presentationLink link:calculationLink link:definitionLink 2416402 - Disclosure - Fair Value of Financial Instruments (Details) link:presentationLink link:calculationLink link:definitionLink 2316301 - Disclosure - Fair Value of Financial Instruments (Tables) link:presentationLink link:calculationLink link:definitionLink 2415402 - Disclosure - Fair Value on a Recurring basis (Details) link:presentationLink link:calculationLink link:definitionLink 2404408 - Disclosure - Impaired Loans (Details) link:presentationLink link:calculationLink link:definitionLink 2109100 - Disclosure - Income Taxes link:presentationLink link:calculationLink link:definitionLink 2409402 - Disclosure - Income Taxes Components of Income Tax Expense (Details) link:presentationLink link:calculationLink link:definitionLink 2409404 - Disclosure - Income Taxes Deferred Tax Assets and Liabilities (Details) link:presentationLink link:calculationLink link:definitionLink 2409405 - Disclosure - Income Taxes Income Taxes Text tags (Details) link:presentationLink link:calculationLink link:definitionLink 2409403 - Disclosure - Income Taxes Reconciliation Expected Federal Income tax rate to Effective Tax Rate (Details) link:presentationLink link:calculationLink link:definitionLink 2309301 - Disclosure - Income Taxes (Tables) link:presentationLink link:calculationLink link:definitionLink 2103100 - Disclosure - Investment Securities link:presentationLink link:calculationLink link:definitionLink 2403402 - Disclosure - Investment Securities Amortized Cost and Estimated Fair Value (Details) link:presentationLink link:calculationLink link:definitionLink 2403405 - Disclosure - Investment Securities Carrying Value (Amortized Cost) and Fair Value by remaining period of contractual maturity (Details) link:presentationLink link:calculationLink link:definitionLink 2403403 - Disclosure - Investment Securities Sales and Calls of Available-For-Sale portfolio (Details) link:presentationLink link:calculationLink link:definitionLink 2303301 - Disclosure - Investment Securities (Tables) link:presentationLink link:calculationLink link:definitionLink 2403406 - Disclosure - Investment Securities Text Figures (Details) link:presentationLink link:calculationLink link:definitionLink 2403404 - Disclosure - Investment Securities Unrealized losses and fair value of securities (Details) link:presentationLink link:calculationLink link:definitionLink 2404410 - Disclosure - Loan and Lease Losses Text Figures (Details) link:presentationLink link:calculationLink link:definitionLink 2404404 - Disclosure - Loans Receivable, Net Allowance for Loan Losses Summary (Details) link:presentationLink link:calculationLink link:definitionLink 2104100 - Disclosure - Loans Receivable, Net (Note) link:presentationLink link:calculationLink link:definitionLink 2404402 - Disclosure - Loans receivable, net of allowance for loan losses (Details) link:presentationLink link:calculationLink link:definitionLink 2304301 - Disclosure - Loans Receivable, Net (Tables) link:presentationLink link:calculationLink link:definitionLink 2404409 - Disclosure - Loans Receivable, Net Troubled Debt Restructurings (Details) link:presentationLink link:calculationLink link:definitionLink 2404405 - Disclosure - Nonaccrual loans (Details) link:presentationLink link:calculationLink link:definitionLink 2105100 - Disclosure - Office Properties and Equipment, Net (Notes) link:presentationLink link:calculationLink link:definitionLink 2405402 - Disclosure - Office Properties and Equipment, Net Office properties and Equipment, Net (Details) link:presentationLink link:calculationLink link:definitionLink 2305301 - Disclosure - Office Properties and Equipment, Net Office Properties and Equipment, Net (Tables) link:presentationLink link:calculationLink link:definitionLink 2405403 - Disclosure - Office Properties and Equipment, Net Office Properties and Equipment, Net Text (Details) link:presentationLink link:calculationLink link:definitionLink 2101100 - Disclosure - Organization link:presentationLink link:calculationLink link:definitionLink 2401402 - Disclosure - Organization (Details) link:presentationLink link:calculationLink link:definitionLink 2301301 - Disclosure - Organization (Tables) link:presentationLink link:calculationLink link:definitionLink 2412402 - Disclosure - Other Comprehensive Income (Loss) Components of Accumulated Other Comprehensive Income (Loss) (Details) link:presentationLink link:calculationLink link:definitionLink 2112100 - Disclosure - Other Comprehensive Income (Loss) (Notes) link:presentationLink link:calculationLink link:definitionLink 2412404 - Disclosure - Other Comprehensive Income (Loss) Other Comprehensive Income (Loss) text tags (Details) link:presentationLink link:calculationLink link:definitionLink 2412403 - Disclosure - Other Comprehensive Income (Loss) Reclassifications from Accumulated Other Comprehensive Income (Loss) (Details) link:presentationLink link:calculationLink link:definitionLink 2312301 - Disclosure - Other Comprehensive Income (Loss) (Tables) link:presentationLink link:calculationLink link:definitionLink 2404407 - Disclosure - Past due financing receivable (Details) link:presentationLink link:calculationLink link:definitionLink 2118100 - Disclosure - Quarterly Financial Data (Notes) link:presentationLink link:calculationLink link:definitionLink 2318301 - Disclosure - Quarterly Financial Data Quarerly Finanacial Data (Tables) link:presentationLink link:calculationLink link:definitionLink 2418402 - Disclosure - Quarterly Financial Data Quarterly Financial Data (Details) link:presentationLink link:calculationLink link:definitionLink 2418403 - Disclosure - Quarterly Financial Data Quarterly Financial Data Text Tags (Details) link:presentationLink link:calculationLink link:definitionLink 2411402 - Disclosure - Stockholders' Equity (Details) link:presentationLink link:calculationLink link:definitionLink 2111100 - Disclosure - Stockholders' Equity (Notes) link:presentationLink link:calculationLink link:definitionLink 2411403 - Disclosure - Stockholders' Equity Stockholders' Equity Text tags (Details) link:presentationLink link:calculationLink link:definitionLink 2311301 - Disclosure - Stockholders' Equity (Tables) link:presentationLink link:calculationLink link:definitionLink 2102100 - Disclosure - Summary of Significant Accounting Policies link:presentationLink link:calculationLink link:definitionLink 2202201 - Disclosure - Summary of Significant Accounting Policies (Policies) link:presentationLink link:calculationLink link:definitionLink 2117100 - Disclosure - Variable Interest Entities link:presentationLink link:calculationLink link:definitionLink 2317301 - Disclosure - Variable Interest Entities (Tables) link:presentationLink link:calculationLink link:definitionLink 2417403 - Disclosure - Variable Interest Entities Text Tag (Details) link:presentationLink link:calculationLink link:definitionLink 2417402 - Disclosure - Variable Interest Entities VIE (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 10 carv-20150331_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT EX-101.DEF 11 carv-20150331_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT EX-101.LAB 12 carv-20150331_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract] LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract] Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Loans, Notes, Trade and Other Receivables Disclosure [Text Block] AFS portfolio Sales and Calls [Abstract] AFS portfolio Sales and Calls [Abstract] Proceeds from Sale of Available-for-sale Securities Proceeds from Sale of Available-for-sale Securities Available-for-sale Securities, Gross Realized Gains Available-for-sale Securities, Gross Realized Gains Available-for-sale Securities, Gross Realized Losses Available-for-sale Securities, Gross Realized Losses Proceeds from Sale of Held-to-maturity Securities Proceeds from Sale of Held-to-maturity Securities Held-to-Maturity Securities, Gross Realized Gains Held-to-Maturity Securities, Gross Realized Gains Held-to-Maturity Securities, Gross Realized Gains Held-to-Maturity Securities, Gross Realized Losses Held-to-Maturity Securities, Gross Realized Losses Held-to-Maturity Securities, Gross Realized Losses Quarterly Financial Data [Abstract] Unaudited Quarterly Financial Information [Table Text Block] Schedule of Quarterly Financial Information [Table Text Block] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Receivable Type [Axis] Receivable Type [Axis] Receivable [Domain] Receivable [Domain] Multifamily Loans [Member] Multifamily Loans [Member] Multifamily Loans [Member] Commercial Real Estate Portfolio Segment [Member] Commercial Real Estate Portfolio Segment [Member] Construction Loans [Member] Construction Loans [Member] Commercial Loan [Member] Commercial Loan [Member] One- to four family loans [Member] One- to four family loans [Member] One- to four family loans [Member] Consumer Loan [Member] Consumer Loan [Member] Internal Credit Assessment [Axis] Internal Credit Assessment [Axis] Internal Credit Assessment [Domain] Internal Credit Assessment [Domain] Pass [Member] Pass [Member] Special Mention [Member] Special Mention [Member] Substandard [Member] Substandard [Member] Doubtful [Member] Doubtful [Member] Unlikely to be Collected Financing Receivable [Member] Unlikely to be Collected Financing Receivable [Member] Performing Financing Receivable [Member] Performing Financing Receivable [Member] Nonperforming Financing Receivable [Member] Nonperforming Financing Receivable [Member] Financing Receivable, Recorded Investment [Line Items] Financing Receivable, Recorded Investment [Line Items] Loans Receivable, Net Loans Receivable, Net Commitments and Contingencies Disclosure [Abstract] Commitments and Contingencies Disclosure [Text Block] Commitments and Contingencies Disclosure [Text Block] Statement of Comprehensive Income [Abstract] Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, Net of Tax Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, Net of Tax Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax VARIABLE INTEREST ENTITIES [Abstract] VARIABLE INTEREST ENTITIES [Abstract] Variable Interest Entity [Text Block] Variable Interest Entity [Text Block] Variable Interest Entity [Text Block] Benefits [Abstract] Benefits [Abstract] Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Defined Benefit Plans Disclosures [Table] Defined Benefit Plans and Other Postretirement Benefit Plans [Axis] Defined Benefit Plans and Other Postretirement Benefit Plans [Axis] Defined Benefit Plans and Other Postretirement Benefit Plans [Domain] Defined Benefit Plan and Other Postretirement Benefit Plan [Domain] Defined Benefit Plan Disclosure [Line Items] Defined Benefit Plan Disclosure [Line Items] Defined Benefit Plan, Benefit Obligation Defined Benefit Plan, Benefit Obligation Defined Benefit Plan, Interest Cost Defined Benefit Plan, Interest Cost Defined Benefit Plan, Actuarial Gain (Loss) Defined Benefit Plan, Actuarial Gain (Loss) Defined Benefit Plan, Benefits Paid Defined Benefit Plan, Benefits Paid Defined Benefit Plan, Settlements, Benefit Obligation Defined Benefit Plan, Settlements, Benefit Obligation Defined Benefit Plan, Fair Value of Plan Assets Defined Benefit Plan, Fair Value of Plan Assets Defined Benefit Plan, Actual Return on Plan Assets Still Held Defined Benefit Plan, Actual Return on Plan Assets Still Held Defined Benefit Plan, Contributions by Employer Defined Benefit Plan, Contributions by Employer Fair Value plan assets benefits paid Fair Value plan assets benefits paid Fair Value plan assets benefits paid Defined Benefit Plan, Settlements, Plan Assets Defined Benefit Plan, Settlements, Plan Assets Defined Benefit Plan, Funded Status of Plan Defined Benefit Plan, Funded Status of Plan Pension and Other Postretirement Defined Benefit Plans, Liabilities Pension and Other Postretirement Defined Benefit Plans, Liabilities Quarterly Financial Information Disclosure [Abstract] Statement [Table] Statement [Table] Scenario [Axis] Scenario [Axis] Scenario, Unspecified [Domain] Scenario, Unspecified [Domain] Scenario, Previously Reported [Member] Scenario, Previously Reported [Member] Restatement Adjustment [Member] Restatement Adjustment [Member] Statement [Line Items] Statement [Line Items] Interest income Interest and Dividend Income, Operating Interest expense Interest Expense Net interest income Interest Income (Expense), Net Provision for loan losses Provision for Loan and Lease Losses Non-interest income Noninterest Income Non-interest expense Noninterest Expense Income tax expense (benefit) Income Tax Expense (Benefit) Net (loss) / income attributable to non-controlling interest Net Income (Loss) Attributable to Noncontrolling Interest Net (loss) / income attributable to Carver Bancorp, Inc. Operating Income (Loss) Earnings Per Share, Basic Earnings Per Share, Basic Earnings Per Share, Diluted Earnings Per Share, Diluted Components of Deferred Tax Assets and Liabilities [Abstract] Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses Deferred Tax Assets, Tax Deferred Expense, Other Deferred Tax Assets, Tax Deferred Expense, Other Deferred Tax Asset Non-accrual loan interest Deferred Tax Asset Non-accrual loan interest Deferred Tax Asset Non-accrual loan interest Deferred Tax Asset Purchase Accounting Adjustment Deferred Tax Asset Purchase Accounting Adjustment Deferred Tax Asset Purchase Accounting Adjustment Deferred Tax Assets, Operating Loss Carryforwards Deferred Tax Assets, Operating Loss Carryforwards Deferred Tax Assets, Tax Credit Carryforwards, Other Deferred Tax Assets, Tax Credit Carryforwards, Other Depreciation and amortization expense Deferred Tax Asset Depreciation Deferred Tax Asset Depreciation Increase (Decrease) in Loans Held-for-sale Deferred Tax Assets market Value Adjustment on HFS Loans Deferred Tax Assets market Value Adjustment on HFS Loans Deferred Tax Assets, Unrealized Losses on Available-For-Sale Securities Deferred Tax Assets, Unrealized Losses on Available-for-Sale Securities, Gross Deferred Tax Assets, Other Deferred Tax Assets, Other Deferred Tax Assets, Gross Deferred Tax Assets, Gross Deferred Tax Liabilities, Investment in Noncontrolled Affiliates Deferred Tax Liabilities, Investment in Noncontrolled Affiliates Deferred Tax Liabilities, Gross Deferred Tax Liabilities, Gross Net Deferred Tax Asset, before valuation allowance Net Deferred Tax Asset, before valuation allowance Net Deferred Tax Asset, before valuation allowance Deferred Tax Assets, Valuation Allowance Deferred Tax Assets, Valuation Allowance Deferred Tax Assets, Net Deferred Tax Assets, Net FAIR VALUE MEASUREMENTS [Abstract] FAIR VALUE MEASUREMENTS [Abstract] Fair Value, by Balance Sheet Grouping [Table] Fair Value, by Balance Sheet Grouping [Table] Level 3 Classified Assets [Axis] Level 3 Classified Assets [Axis] Level 3 Classified Assets [Axis] fair value level 3 domain [Domain] fair value level 3 domain [Domain] fair value level 3 domain [Domain] Fair Value, Inputs, Level 3 [Member] Fair Value, Inputs, Level 3 [Member] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Available-for-sale Available-for-sale Securities Available-for-sale Securities, Gross Unrealized Gain (Loss) Available-for-sale Securities, Gross Unrealized Gain (Loss) Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net Change in unrealized gain (loss) of securities available-for-sale, net Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax Servicing Asset at Fair Value, Amount Servicing Asset at Fair Value, Amount Mortgage Servicing unrealized loss Mortgage Servicing unrealized loss Mortgage Servicing unrealized loss Payments for (Proceeds from) Mortgage Servicing Rights Payments for (Proceeds from) Mortgage Servicing Rights Change in unrealized gains and losses to instruments held Change in unrealized gains and losses to instruments held Change in unrealized gains and losses to instruments held ORGANIZATION [Abstract] ORGANIZATION [Abstract] Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block] Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block] Borrowed Money [Abstract] Borrowed Money [Abstract] Debt Disclosure [Text Block] Debt Disclosure [Text Block] FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract] FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract] Financial Instruments Disclosure [Text Block] Financial Instruments Disclosure [Text Block] Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block] Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block] Schedule of Debt [Table Text Block] Schedule of Debt [Table Text Block] Quarterly Financial Information [Text Block] Quarterly Financial Information [Text Block] Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Reclassification Adjustments, Net Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Other comprehensive (loss) income, net of tax [Abstract] Other Comprehensive Income (Loss), Net of Tax [Abstract] Change in pension obligations Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Reclassification Adjustments, Net of Tax Reclassification adjustments for sales of available-for-sale securities, net of tax Reclassification adjustment for termination of pension plan, net of tax Other Comprehensive Income (Loss), Net of Tax Other Comprehensive Income (Loss), Net of Tax Comprehensive Income (Loss), Net of Tax, Attributable to Carver Bancorp, Inc. Comprehensive Income (Loss), Net of Tax, Attributable to Parent Postemployment Benefits [Abstract] Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Table] Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Table] Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items] Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items] Periodic Pension Benefit Unrecognized loss Periodic Pension Benefit Unrecognized loss Periodic Pension Benefit Unrecognized loss Defined Benefit Plan, Settlements, Benefit Obligation Net periodic pension benefit settlement charge Net periodic pension benefit settlement charge Defined Benefit Plan, Expected Return on Plan Assets Defined Benefit Plan, Expected Return on Plan Assets Defined Benefit Plan, Net Periodic Benefit Cost Defined Benefit Plan, Net Periodic Benefit Cost Carver Bancorp, Inc.-Parent Company Only [Abstract] Carver Bancorp, Inc.-Parent Company Only [Abstract] Schedule of Condensed Balance Sheet [Table Text Block] Condensed Balance Sheet [Table Text Block] Schedule of Condensed Income Statement [Table Text Block] Condensed Income Statement [Table Text Block] Schedule of Condensed Cash Flow Statement [Table Text Block] Condensed Cash Flow Statement [Table Text Block] Consolidated Statements of Financial Condition as of March 31, 2014 and March 31, 2013 [Abstract] Consolidated Statements of Financial Condition as of March 31, 2014 and March 31, 2013 ASSETS Assets [Abstract] Cash and cash equivalents: Cash, Cash Equivalents, and Federal Funds Sold [Abstract] Cash and due from banks Cash and Due from Banks Money market investments Money Market Funds, at Carrying Value Total cash and cash equivalents Cash and Cash Equivalents, at Carrying Value Restricted cash Restricted Cash and Cash Equivalents Investment securities: Marketable Securities [Abstract] Held-to-maturity Held-to-maturity Securities Total investments Marketable Securities Loans held-for-sale (HFS) Loans Held-for-sale, Fair Value Disclosure Loans receivable: Loans Receivable, Net [Abstract] Real estate mortgage loans Loans Receivable, Gross, Commercial, Real Estate Commercial business loans Loans and Leases Receivable, Gross, Commercial Consumer loans Loans and Leases Receivable, Gross, Consumer Loans, net Loans and Leases Receivable, Net of Deferred Income Allowance for loan losses Loans and Leases Receivable, Allowance Total loans receivable, net Loans and Leases Receivable, Net Amount Premises and equipment, net Property, Plant and Equipment, Net Federal Home Loan Bank of New York (“FHLB-NY”) stock Federal Home Loan Bank Stock Accrued interest receivable Interest Receivable and Other Assets Other assets Other Assets Total assets Assets LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities and Equity [Abstract] LIABILITIES Liabilities [Abstract] Deposits: Deposits [Abstract] Savings Deposits, Savings Deposits Non-interest bearing checking Noninterest-bearing Domestic Deposit, Checking Interest-bearing checking Interest-bearing Domestic Deposit, Checking Money market Deposits, Money Market Deposits Certificates of deposit Interest-bearing Domestic Deposit, Certificates of Deposits Deposits Deposits Advances from the FHLB-NY and other borrowed money Debt and Capital Lease Obligations Other liabilities Other Liabilities Total liabilities Liabilities EQUITY Equity [Abstract] Preferred stock Convertible Preferred Stock, Nonredeemable or Redeemable, Issuer Option, Value Common stock Common Stock, Value, Outstanding Additional paid-in capital Additional Paid in Capital Accumulated deficit Retained Earnings (Accumulated Deficit) Treasury stock, at cost Treasury Stock, Value Accumulated Other Comprehensive (Loss) Income Accumulated Other Comprehensive Income (Loss), Net of Tax Total Equity Attributable to Carver Bancorp, Inc. Stockholders' Equity Attributable to Parent Non-controlling Interest Members' Equity Attributable to Noncontrolling Interest Total equity Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest Total liabilities and equity Liabilities and Equity Earnings (Loss) Per Common Share [Abstract] Earnings (Loss) Per Common Share [Abstract] Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Comprehensive Income (Loss) Note [Text Block] Comprehensive Income (Loss) Note [Text Block] Dividends, Preferred Stock Dividends, Preferred Stock Net Income (Loss) available to common shareholders Net Income (Loss) Available to Common Stockholders, Basic Weighted Average Number of Shares Outstanding, Basic Weighted Average Number of Shares Outstanding, Basic Weighted Average Number Diluted Shares Outstanding Adjustment Weighted Average Number Diluted Shares Outstanding Adjustment Weighted Average Number of Common Shares Outstanding, Diluted Weighted Average Number of Shares Outstanding, Diluted INVESTMENT SECURITIES [Abstract] INVESTMENT SECURITIES [Abstract] Investment Securities [Text Block] Investment [Text Block] Fair Value Disclosures [Text Block] Fair Value Disclosures [Text Block] Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table] Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table] Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table] EX-101.PRE 13 carv-20150331_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT GRAPHIC 14 kpmgsignaturea08a01.jpg begin 644 kpmgsignaturea08a01.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_VP!#``(!`0(!`0("`@("`@("`P4#`P,# M`P8$!`,%!P8'!P<&!P<("0L)"`@*"`<'"@T*"@L,#`P,!PD.#PT,#@L,#`S_ MVP!#`0("`@,#`P8#`P8,"`<(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P, M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1"``6`%<#`2(``A$!`Q$!_\0` M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4% M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D* M%A<8&1HE)B7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7& MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$! M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$" M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$ MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4 MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#]RO#/QW\/ M>+_C3XK\`V%Q<2^(_!5CI^H:M&;=UA@COOM'V<"3&UG(MI"5'(!7UKY2_;\_ MX*H:?\-_&5K\+?AQK%ROBV\OA8Z_XMM/#=YX@TSP+&JF24/';12"?4"@VQVV M,*S!I2JC#>(?''5OC)JW[5W[0WC+0=,UJ'X*CQ3IGA3QU=>#+QO^$WCL=,TJ M&5FLD(P(-VH.\A@!NMH<1X(!K]"/V4]*^&ND?`3PVGPAC\/1_#V2V$NDG12K M6LJ-R7W#EI"V=YA[9L#]VQO(HE60Y!V$AL,"!R*^ADN5DB6165D8`JP.58'I@^]?F]^ MR%\.?V@?C?\`L\_$ZUTG3?A3HN@_%KQ[XGU"_P!;\17%YK%];1O>RV3"/3C" MD3^6ELJ1>9/M*HA9,?+7E3?"[XB:?\8O%6G^$O$7CC6/@+^R;K?@C1)O#MC9 MRZAJOBMM+C2:\*!,,SP_:3,\<8_>L(AC$:TO:.VH.?B1H/PWM=/FU M[5+/2X]6U&WTBR:X?;]JN[AQ'#`@ZL[L<`#W/0$UN5\%:IH_Q!_:%_;D_9Y\ M<_$'3=7\)Z+]MUO5]!\"2SHS:7#;Z85ANK\*2K:C))<;A&K%8(QMR7,AK$^# M7BC7?^"@OP!UKXW>/OCQX\^&_A71;C41<>#OAY.-/E\,0VLTB&/4)$CENYKO M;&'95V`;@%0CDUSBY>I^B%%?+?[._P#P42^'OBGQ5X9^&/AFQ^-7B;4H]/ME M_M76?!VIQL;<_NDO;RYN(8_E9E.Z8C:6S7U&6QBJ3OL0]!-^.M()@3U7\Z^? MOV6-<=?&O[1'C+49KN2U_P"$YFM8%=RR16NG:796Y$:YPH\V.X)`QDD]Z^9K M/]G/X87O_!)'3_BUXQ$V'B[QYH_PKO?%-O/J9X[G50K('4%5GN7;D9 M`.`>E3S%$_"OQ"^%NDZ/HR#QSJ/BO71=0> M*I?[/:()!I8NK@+*UVT5P;D^252)DPWF%04U('&Q]M>#_AOHO@"ZUN?1["'3 MY?$FI/J^IM&2?M=V\<<32MDGYBD4:\8'RCCK7E.F?L$>%/`WQZ_X6#X&U?Q1 M\/+[4+[[=K^D:#>K'H?B=SG>UU8R(\(D\%ZVFIVDLZLT4 MD,D;VUW"P'/SVTTH4]I!&>@->9?&W_@E]\*?C7\3;CQQ';>)O`OC>^97O?$' M@KQ!=^'K[4MHP/M!MG59B/[TBEN.M%%2XI[E)M:HVOV<^W$9%%%4E; M8EMO<\=A_8$^#T7Q'OO%3>!=+GUK4M1?5IWN))I[=KQV+/<+;NYA21F)8LJ` MD\]>:C$?\$]?@=X!T;5K#0_A7X)T>#7M.ET>_:RTN.":XLY5V26YE4"01LO 7!56`HHI GRAPHIC 15 kpmgsignaturea09a01.jpg begin 644 kpmgsignaturea09a01.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_VP!#``(!`0(!`0("`@("`@("`P4#`P,# M`P8$!`,%!P8'!P<&!P<("0L)"`@*"`<'"@T*"@L,#`P,!PD.#PT,#@L,#`S_ MVP!#`0("`@,#`P8#`P8,"`<(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P, M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1"``6`%<#`2(``A$!`Q$!_\0` M'P```04!`0$!`0$```````````$"`P0%!@<("0H+_\0`M1```@$#`P($`P4% M!`0```%]`0(#``01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T?`D,V)R@@D* M%A<8&1HE)B7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7& MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0`'P$``P$!`0$! M`0$!`0````````$"`P0%!@<("0H+_\0`M1$``@$"!`0#!`<%!`0``0)W``$" M`Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O`58G+1"A8D-.$E\1<8&1HF M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$ MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4 MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H`#`,!``(1`Q$`/P#]RO#/QW\/ M>+_C3XK\`V%Q<2^(_!5CI^H:M&;=UA@COOM'V<"3&UG(MI"5'(!7UKY2_;\_ MX*H:?\-_&5K\+?AQK%ROBV\OA8Z_XMM/#=YX@TSP+&JF24/';12"?4"@VQVV M,*S!I2JC#>(?''5OC)JW[5W[0WC+0=,UJ'X*CQ3IGA3QU=>#+QO^$WCL=,TJ M&5FLD(P(-VH.\A@!NMH<1X(!K]"/V4]*^&ND?`3PVGPAC\/1_#V2V$NDG12K M6LJ-R7W#EI"V=YA[9L#]VQO(HE60Y!V$AL,"!R*^ADN5DB6165D8`JP.58'I@^]?F]^ MR%\.?V@?C?\`L\_$ZUTG3?A3HN@_%KQ[XGU"_P!;\17%YK%];1O>RV3"/3C" MD3^6ELJ1>9/M*HA9,?+7E3?"[XB:?\8O%6G^$O$7CC6/@+^R;K?@C1)O#MC9 MRZAJOBMM+C2:\*!,,SP_:3,\<8_>L(AC$:TO:.VH.?B1H/PWM=/FU M[5+/2X]6U&WTBR:X?;]JN[AQ'#`@ZL[L<`#W/0$UN5\%:IH_Q!_:%_;D_9Y\ M<_$'3=7\)Z+]MUO5]!\"2SHS:7#;Z85ANK\*2K:C))<;A&K%8(QMR7,AK$^# M7BC7?^"@OP!UKXW>/OCQX\^&_A71;C41<>#OAY.-/E\,0VLTB&/4)$CENYKO M;&'95V`;@%0CDUSBY>I^B%%?+?[._P#P42^'OBGQ5X9^&/AFQ^-7B;4H]/ME M_M76?!VIQL;<_NDO;RYN(8_E9E.Z8C:6S7U&6QBJ3OL0]!-^.M()@3U7\Z^? MOV6-<=?&O[1'C+49KN2U_P"$YFM8%=RR16NG:796Y$:YPH\V.X)`QDD]Z^9K M/]G/X87O_!)'3_BUXQ$V'B[QYH_PKO?%-O/J9X[G50K('4%5GN7;D9 M`.`>E3S%$_"OQ"^%NDZ/HR#QSJ/BO71=0> M*I?[/:()!I8NK@+*UVT5P;D^252)DPWF%04U('&Q]M>#_AOHO@"ZUN?1["'3 MY?$FI/J^IM&2?M=V\<<32MDGYBD4:\8'RCCK7E.F?L$>%/`WQZ_X6#X&U?Q1 M\/+[4+[[=K^D:#>K'H?B=SG>UU8R(\(D\%ZVFIVDLZLT4 MD,D;VUW"P'/SVTTH4]I!&>@->9?&W_@E]\*?C7\3;CQQ';>)O`OC>^97O?$' M@KQ!=^'K[4MHP/M!MG59B/[TBEN.M%%2XI[E)M:HVOV<^W$9%%%4E; M8EMO<\=A_8$^#T7Q'OO%3>!=+GUK4M1?5IWN))I[=KQV+/<+;NYA21F)8LJ` MD\]>:C$?\$]?@=X!T;5K#0_A7X)T>#7M.ET>_:RTN.":XLY5V26YE4"01LO 7!56`HHI XML 16 R39.htm IDEA: XBRL DOCUMENT

Commitments and Contingencies Commitments and Contingencies (Tables)

12 Months Ended

Mar. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments [Table Text Block]

The Bank had outstanding lending commitments and contractual obligations at March 31 as follows:



$ in thousands	2015		2014
Commitments to fund mortgage loans	$	30,972	$	5,750
Commitments to fund commercial and consumer loans	8,963		—
Lines of credit	5,355		6,140
Letters of credit	234		245
	$	45,524	$	12,135

Pending Repurchase Request by counterparty [Table Text Block]

The following table presents information on open requests from FNMA. The amounts presented are based on outstanding loan principal balances.



$ in thousands	Loans sold to FNMA
Open claims as of March 31, 2014 ⁽¹⁾	$	2,075
Gross new demands received	129
Loans repurchased/made whole	(129		)
Principal payments received on open claims	(30		)
Open claims as of March 31, 2015 ⁽¹⁾	$	2,045

Changes representation and warranty reserves [Table Text Block]

The table below summarizes changes in our representation and warranty reserves during fiscal 2015.



$ in thousands	March 31, 2015
Representation and warranty repurchase reserve, as of March 31, 2014 ⁽¹⁾	$	287
Net provision for repurchase losses ⁽²⁾	119
Net realized losses ⁽²⁾	—
Representation and warranty repurchase reserve, as of March 31, 2015 ⁽¹⁾	$	406

Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]

Lease Commitments. Rentals under long-term operating leases for certain branches aggregated approximately $1.6 million, $1.5 million and $1.8 million for fiscal years 2015, 2014, and 2013, respectively. As of March 31, 2015, minimum rental commitments under all non-cancelable leases with initial or remaining terms of more than one year and expiring through 2025 follow:



$ in thousands
Year Ending March 31,	Minimum Rental		Sublet Income		Net
2015	$	1,558	$	—	$	1,558
2016	1,515		—		1,515
2017	1,543		—		1,543
2018	1,130		—		1,130
2019	1,032		—		1,032
Thereafter	3,364		—		3,364
	$	10,142	$	—	$	10,142

XML 17 R54.htm IDEA: XBRL DOCUMENT

Nonaccrual loans (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 8,395	$ 12,559
One- to four family loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	3,664	2,301
Multifamily Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	1,053	2,240
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	2,817	7,024
Commercial Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	861	993
Consumer Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 0	$ 1

XML 18 R48.htm IDEA: XBRL DOCUMENT

Investment Securities Unrealized losses and fair value of securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	$ (57)	$ (2,437)
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	12,943	51,174
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1,090)	(2,335)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	58,499	38,238
Available-for-sale Securities, Gross Unrealized Loss	(1,147)	(4,772)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	71,442	89,412
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(283)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		4,796
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss		(283)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value		4,796
Securities Continuous Loss Position Less than 12 months	(57)	(2,720)
Securities Continuous Unrealized Loss Position Less than 12 months Fair Value	12,943	55,970
Securities, Continuous Unrealized Loss Position ,12 months or Longer	(1,090)	(2,335)
Securities, Continuous Unrealized Loss Position, 12 months or Longer, Fair Value	58,499	38,238
Unrealized Loss on Securities	(1,147)	(5,055)
Securities, Continuous Unrealized Loss Position, Fair Value	71,442	94,208
Mortgage-backed securities
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	(322)
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	7,569
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(287)	(1,015)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	22,297	20,123
Available-for-sale Securities, Gross Unrealized Loss	(287)	(1,337)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	22,297	27,692
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(283)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		4,796
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss		(283)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value		4,796
US Government Agency Securities
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(57)	(1,646)
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	12,943	34,074
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(605)	(1,320)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	26,400	18,115
Available-for-sale Securities, Gross Unrealized Loss	(662)	(2,966)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	39,343	52,189
Other
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	0	(469)
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	9,531
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(198)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	9,802	0
Available-for-sale Securities, Gross Unrealized Loss	(198)	(469)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	$ 9,802	$ 9,531

EXCEL 19 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0````(`!V'W4;0C_.WA@(``/(Z```3````6T-O;G1E;G1?5'EP97-= M+GAM;,W;2V[;,!"`X:L$WA:61.I=Q-DTW;8!V@NP$FT+U@LDXSBW+R4G16LX M1=+&P+^Q+`\Y,])(W\[7WQ]';:\.7=O;U6+KW/@Q#&VUU9VRP3#JWD?6@^F4 M\Z=F$XZJVJF-#F4496$U]$[W;NFF'(N;ZZ][;4Q3ZZM/Q\"4>[50X]@VE7+- MT(?[OC[)NAS6ZZ;2]5#==WY+X'QI_<''%U=WRK@OJO,IPD,;SH'CIPBF>/@^ M!>UHM*KM5FO7M8%UCZVVY^H?(\^5;_5:W;?N386?[EU@=#NOL=MF?"KU^>"S M6/_;:N&C]E453C?^K;.FFX8V]IL_=DSG_W@M)S=QW[6W1CTT)P7V%QO3=`PZ MU?3G1O4PF-V/8=B]YV.BIZNJ=;TA7 M%9P67O"EV"JCZV_.^/F>?S=^7W"Y/J:YSM]?&OH[%````*P(` M``L```!?.0Q(OW[CMB`PD.MQ-*O>X^NO`ZIK`XTHO8<4M?'5$Q^#*G*_=ITJK$"2+8C MCVG!D4*>-BP>-9?20D0[8$NP+,L5R*V.V:SGVL7.U49V[M,41Y26M#;3"&>6 MX9MY6&3I//B)]!=C;IK>TI;MR5/0!_ZS#0//>997'L=V+YRO+0O]C^AY%.!) MT:'B1?4C9@,2[2F]@OIZ`(4QOCLEFI2"(S>C@KN_V/P"4$L#!!0````(`!V' MW4:?J8"!^0(``)@\```:````>&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;'/% MVTF.VD`8AN&K(`[0=LU5J.E5;WJ;Y`(6%(.:2;:CI&\?PB(B@S]E@?1N0&"I M_"[0(ZNH__DTM(M/]="-^_-IV.TOP^S[\7`:%M?OE_/=.%X633.L=O78#4_G M2SU=KV[._;$;KQ_[;7/I5N_=MC:V;6/3WZ\S?WG^<^W9VWHY[]_69C[[TO7; M.B[GW\[]^["K=1R:VYMYNM[@>OGC4O_G]N?-9K^JK^?5UV,]C?^H:'[=8-Y, M!]GI((L$N>D@AP3YZ2"/!(7IH(`$Q>F@B`2EZ:"$!.7IH(P$E>F@@@295LC8 M,DD*:T9K([@VC-=&@&T8L8T@VS!F&X&V8=0V@FW#N&T$W(:1VPBZ#6.W$7@; M1F\K]+:,WE;H;:%G;?6PS>AMA=Z6T=L*O2VCMQ5Z6T9O*_2VC-Y6Z&T9O:W0 MVS)Z6Z&W9?1V0F_'Z.V$WH[1VPF]';17HC9+&+V=T-LQ>CNAMV/T=D)OQ^CM MA-Z.T=L)O1VCMQ-Z.T9O+_3VC-Y>Z.T9O;W0VS-Z>Z&WA_:ZU68WH[<7>GM& M;R_T]HS>7NCM&;V]T-LS>GNAMV?T#D+OP.@=A-Z!T3L(O0.C=Q!Z!T;O(/0. MT'^5ZL]*1N\@]`Z,WD'H'1B]@]`[,'H'H7=@](Y"[\CH'87>D=$["KTCHW<4 M>D=&[RCTCHS>4>@=H;,FZK`)HW<4>D=&[RCTCHS>4>@=&;V3T#LQ>B>A=V+T M3D+OQ.B=A-Z)T3L)O1.C=Q)Z)T;O)/1.T%E!=5B0T3L)O1.C=Q)Z)T;O+/3. MC-Y9Z)T9O;/0.S-Z9Z%W9O3.0N_,Z)V%WIG1.PN],Z-W%GIGZ*RW.NS-Z)V% MWIG1NPB]"Z-W$7H71N\B]"Z,WD7H71B]B]"[,'H7H7=A]"Y"[\+H783>A=&[ M"+T+-*NCAG6H:1TYK@/-Z[1J8*>%)G9:-;+30C,[[1WBPZ[KZ_KSV.]/V^'1 M.;\MKI/N$!_&CT-]?,MM51UQQ_9XO55M;J\/_^G<5OU9TOPUA/SR`U!+`P04 M````"``=A]U&)J3J/P4%``"+%P``$````&1O8U!R;W!S+V%P<"YX;6R]6$U3 MXS@0_2NJ7):I6D@(+`,4DZJ0P`Y5X6-)AJD]"KN=J+`EKR1G"+]^6W(2'*:M MC',8+MA2/[74W>^IG0MI.N0U1H81>]3FE3'?(VXXBG,$!?O82G!DJK M]T%O,U!9SN6B7;Z-A'PQW_*)&G(+5=3F1+GZC&N(T>G&ZNM!;_-U@>=,'78P MXW(*<=7VY\E5+)Y`&W?2P^Y!!__6(5B-EVL#CX6]B;L_G$%FEEVF: MVUVS%*O()=T\37!_IL6>N0'W^*4UYUIP:5O,B#=\[;9*M^6H?TYS8W7ON](O M9@9@S45[/>@?J[;59W'<.^QTO0D^;IJVUT?K+>.V<7`W,A$V!7.?/'!M?U,L M_*%6D<"]MRKG7ZW!N(S9E;18D.Q&EKXP?=6@K)\&2AJ5BAC+*V9CB__<"H:I MA%T+R7?`'#7%W&,Y-L4X^C3`>(@K]L9^N)F1F'L]Y5*\U0=V7&09UPNWR%A, MI<`D8UFQ?A2I`E-#8F[D'(SU&UXJ"DH5:3E27!KV"!&(.7].X4]V!Y;MW2D+ MG^C]^BIC%5GU1?)?(7+GC\3@7G6!(;F1%C1NK.+/N2(Q0\B5$1@\OQ=#;^92 M::U^X,JW2L(B:'HC(Y4!F_#7FDA<<2V1E>API(SYQ!Y`N^K(E&1.%.G<6!6] MS%0:HZ[]X8-@P[NXM[-RV5S##*01#B0D5N]R?!MF273TP%,\$\X6 M&8EY[[*8EZ@OT<'D[G`+\ZD%N/PKPXH4O$JD`E+O`W76$/'(LWQMI/RJ+$ MT.I*8T&'&;^6!/IBHU_8%'WNB58%OL1T'GU$'>='2&)8Q3:U0Y$<:\2]DK?A=A MV%$^AG1=?KB^KK^.+O?O_F7]>.Y*F6XG/F#*U_*VJN4,B5F_3K9?E^Z60MOE M]X.;VH[!?"HD0BI*!<5H;,<,(0'M&(&OK(_52O?P&YB-%U_;32_UVKC1EWJ0 MIB3D?;!Y)_"9[@3"&+H3"&/.FG<QA#=P)AS%_- MNZ[3DQTZM<<=_.S2$8YVP-`24NT(\1YRBE!H[:[&9VX$+6]UG:<7`T-3.]BM MGM%U4(?Q`C+9X0/SC*Z#0(?[='-%GR>`<=MKWA5;6G>"F#-:#T*=]&&'UH,P MAM:#,&9##W[Z3?/#+YCMS9_>>_\#4$L#!!0````(`!V'W48\Z!##/P$``&D# M```1````9&]C4')O<',O8V]R92YX;6S-DTU/PS`,AO\*ZKU+NVF3J+H>`'%B M$A)#(&XA\;:PYD.)IZ[_GLSK6L:X[(;40UW[??RZ3DKA"F$]/'OKP*."<+/7 MM0F%KS;^9I@4C"H08/!P/)1SI+JU6R-;4S)!GU51LC'&3?GK[^Z8$R+.DJ]T'U54W3C)H)U<6!<_:^>'JA M?Y,J$Y`;`5$55(&M@WERZOPVN7]8/B;5.,NG:39+Q[?+?%9,XY-]'"8[\S<8 MUMT0_];QR2!M%Q76<.5N22-IN?1*(`E!>.5067,5CC`_Q`0+N\\O$'@]J!/2 M8=M"VU@O0T7G:X@.-R>N;&U]>TS]BLYN5?4-4$L#!!0````(`!V'W4:97)PC M$`8``)PG```3````>&PO=&AE;64O=&AE;64Q+GAM;.U:6W/:.!1^[Z_0>&?V M;0O&-H&VM!-S:7;;M)F$[4X?A1%8C6QY9)&$?[]'-A#+E@WMDDVZFSP$+.G[ MSD5'Y^@X>?/N+F+HAHB4\GA@V2_;UKNW+][@5S(D$4$P&:>O\,`*I4Q>M5II M`,,X?+&A`T%11 M6F]?(+3E'S/X%/F7/Z3H=,H%N,!M8('_. M;Z?D3EJ(X53"Q,!J9S]6:\?1TDB`@LE]E`6Z2?:CTQ4(,@T[.IU8SG9\]L3M MGXS*VG0T;1K@X_%X.+;+THMP'`3@4;N>PIWT;+^D00FTHVG09-CVVJZ1IJJ- M4T_3]WW?ZYMHG`J-6T_3:W?=TXZ)QJW0>`V^\4^'PZZ)QJO0=.MI)B?]KFND MZ19H0D;CZWH2%;7E0-,@`%AP=M;,T@.67BGZ=90:V1V[W4%<\%CN.8D1_L;% M!-9ITAF6-$9RG9`%#@`WQ-%,4'RO0;:*X,*2TER0UL\IM5`:")K(@?5'@B'% MW*_]]9>[R:0S>IU].LYKE']IJP&G[;N;SY/\<^CDGZ>3UTU"SG"\+`GQ^R-; M88C'(CN]WV6'WV M3T=N(]>IP+,BUY1&)$6?R"VZY!$XM4D-,A,_")V&F&I0'`*D"3&6H8;XM,:L M$>`3?;>^",C?C8CWJV^:/5>A6$G:A/@01AKBG'/F<]%L^P>E1M'V5;SCFED)O816:I^JAS0^J!XR"@7QN1X^Y7IX"C>6 MQKQ0KH)[`?_1VC?"J_B"P#E_+GW/I>^Y]#VATK\>WZV22$KYI9+2,6D$N!LT$DN/R+ MRO`JQ`GH9%LE"0AMNZ5/U2I77Y:^Y*+@\6^3IKZ%T/BS/^3Q? MY[3-"S-#MW)+ZK:4OK4F.$KTL@'37[]EUVY".E,%.7 M0[@:0KX#;;J=W#HXGIB1N0K34I!OP_GIQ7@:XCG9!+E]F%=MY]C1T?OGP5&P MH^\\EAW'B/*B(>ZAAIC/PT.'>7M?F&>5QE`T%&ULK"0L1K=@N-?Q+!3@9&`M MH`>#KU$"\E)58#%;Q@,KD*)\3(Q%Z'#GEUQ?X]&2X]NF9;5NKREW&6TB4CG" M:9@39ZO*WF6QP54=SU5;\K"^:CVT%4[/_EFMR)\,$4X6"Q)(8Y07IDJB\QE3 MON>;G*YZ(G;ZEW?!8/+]<,E'#^4[YU_T74.N?O;=X_INDSM(3)QY MQ1$!=$4"(Y4U#VT%SU&\Z.9X!ZSAW.;>KC" M1:S_6-8>^3+?.7#;.MX#7N83+$.D?L%]BHJ`$:MBOKJO3_DEG#NT>_&!()O\ MUMND]MW@#'S4JUJE9"L1/TL'?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA M9CC?AT6:&C/5BZPYC0IO0=5`Y3_;U`UH]@TT')$%7C&9MC:CY$X*/-S^[PVP MPL2.X>V+OP%02P,$%`````@`'8?=1GC9R)1+`@``+0H```T```!X;"]S='EL M97,N>&ULS59=:]LP%/TK0AFCA1';V>IVJVT8AIG"I5/,I"-IBB1EJ MIZ+!7*]40C*D]%360=M(C,K6!#$:S,(P#A@B'&8)[]BO/W9"77[!KAQ\FXR"1\O;_?Q"[MP"8'C^%*F,(JO8/!\TFEXF%>O M[5''+Z/^`_,>\?4!8D]T(/#&!`9#5;.D$MP7=P8=D"7M$U@AJOTCXUX(*B10 M^O1T!HMPQ+#SN$.4Y)(8L$*,T+6#9P:P!S[X,<*%M+E=AOT\T]!GDG6>PG!X MGI\N]^QV,-LCE.YN3P-9TB"EL.1S/0&#O5@W>G-<<.Q$6K\CWK5$ZVAVM15@ M!YTW%[+$QB"KW]U$W8[_>&O-5/%1EW1S:H\G:NZ5#?*-@067@S\Z>?O%M\31))D2\%XW^E:7VCT>3;KOI?(U.=BI M2O?X?WP3=?=PGII8R+H09[4CBCBO^\:C1^/+0'\^+[H;VT--7^QY,>L?%8(^ MDABFU`4]BT+,'7UX;"/,2GS2M010`*!@7U`(H!!`X5Z@JXVR`(H`%.T%^FBJ M#8!B`,5O!76]7EG;BVE%[6%Z+O#_^V>N-+ MARC4=\;X2T_!MM0LYS5%`]4.2N<+AB@4>,88?*HVIM'4KEV%FD&-T-D9(^V) ML98BLQ"?3:T>.0+*.F-L/:^7IE)B(1^&;8)NSA@YSZ2M*0FIU!>F:=Z+:V5] M/ZDHX.=KB?UNAG;.&#WGSBR_KDU94%#_U#6'8ZN"OLX88:_EQ(FJU4KWP=F5@5]_N9;6Y\]NXZ'E`6/Y:`8&*:+0\H"QG$U!\6[A']W` M\P`]#QC/7XE#AH2:!XSFHX$83G$41LU#1O.Q0*1SB$+-0T;S'X'XLDHABATR M8N\F(H,8S"@8H3$260"Z'#(N<]GH0U'U-$2ARR'C,I^-3)G0Y)`Q>30<0S0Y M1)-#QN31<`PS1*'*(:/R>#A^1!2Z'#(NCX9CA"Y'Z'+$N#P:CM$,4>ARQ+C\ M>CAVK8@H-#MBS'XU(?V)X4P7#8^X2?-80D81H@:S9L9UG%N*=Z?*25T.S(Q0 M\8B=@7#!>%P92B1:3B$*)8\8R7G47)9]LB$*)8_>'-=_U;3&+:E8B$+)(T9R M'D5M8!_)=8$HE#QZZU1:+-2#(RGN6ERDH.3QJY-J"Z-(K;I5BBQI%8Z3B1@E MCQG)C[LK:AI):$DI/%CXX/..>R$0A9+'C.3\V/9\`T2AY#$C^:6II1^4J)N4 M'96S,T:_8VY9:%5!$?=%-U_]..DW,OJ^7!/W=^QU\6!=R(A^+:G[%Q0JJ[[_ M4MM;6#4@"D6/.=&K#644C7(7K]<,#8\9P_E'O;"FI8,"M8S1\/B5&4F7WQ>4 MO.JI\5DMT?!XWRE)@C&>H.$)8_@X"F,\0<,3SO"QV4T2(`H-3QC#GV#*V-C3CH,&T)ARB!AL@C.8[D[E/?UR<_'+YCS@N[GT8X*(@0=L3QO8=5'_8 M3])V,BI!VQ/&=A;U?+A`%-J>L'D.4TT_.2/$=HO'G\(M'K0]96P?H$A/0PE3 MZGY,K8/4*=JI:R/&CH4Q]2Q<9\D1=M3QO8!:G#0I0.BT/:4L7UD M5KW3@BG:GC*V\[-J)D13E#U]Z_S\QX^(0MG3?6?H*<[0T\%^'[?A-XK"&7J* MLJ?[;JJD.:)0]G3?394,HSU#V3-&]G$41GN&LF>,[.,HC/8,9<\8V<=1N*F= MH>P9)_LH"F?H&<:O1452,*+0]8[>V1Y9K68(HM#UC-[?'5GY?$(6V9XSM MXZ5"V[/!EO?>Z]$+1*'M&6/[.`I'B1QMS_]G/4KS+)_NK;5^_G@K&XW#8(ZV MYWML(7;!WF`>YVA[/KZ%^'+!G:/M.=J>,[:_ANK&B`5&>XZVYXSMHVOW'&W/ MT?:68[?G@ M%0]G^\B.PFR*V=X=P>L>;LM\%#8;P`;O?*;<*\M16#"`#=[Z3(/M"];N#]T[ MU8+RLU:%?^/<=#=:RG+I7T/31T<(HMB_6_#'GTU!=_?OCR=BU9;E1_KMJJ:5 MDO_?EOSTXOG#?U!+`P04````"``=A]U>DG(4"```K"0``&````'AL+W=O M`%L)DYXV.?L9T_&/\0%:72^VR;3NS]2LI^%P2B MK&A+Q`OK::?^7!AOB51-?@U$SRDY&U+;!#@,TZ`E=><7N>E[XT7.;K*I._K& M/7%K6\+_'6C#'GL?^6/'>WVMI.X(BCR8>.>ZI9VH6>=Q>MG[KVAW1)F&&,3O MFCZ$\^WIP9\8^]"-G^>]'^HQT(:64H<@ZG6G1]HT.I)2_CL$?6IJHOL]1O]N MTE7#/Q%!CZSY4Y]EI48;^MZ97LBMD>_L\8,..20Z8,D:89Y>>1.2M2/%]UKR M:=]U9]X/^R=!`PTFX(&`)P+&JX1H($03`<4F4SLRD]+@(M"$"%3L20!#`@,=.W0,"1Q= M1`0+1)!`9#.(''H,TV.('EMZ[-"3^?@LXN`B4E@@61%(''HV%TBL@$5T=H9# ME*)L`\ND*S*I([,!\W`16U@@6Q'(W#H(08499*%6-BL2&Y>/08D99*%:MBL2 M6Y%1Q;8P1/&>1,V=1NDW#3;8@M>9XY!H:PV4VQRS4&5JS M/7)]C^%*FV.65-9R6V>N"$[O="]X-8=A$07>4^N]!?AU[H3WHE)=4*:X^S" MF*1J*.&+FM9*W5RF1D,O4G]FNI#L66X;DO7CU62Z'Q7_`5!+`P04````"``= MA]U&#POQ\@P%``!J&0``&````'AL+W=O;>NZG_TX[(_=TWS;]Z?'Q:)[V=:'JOO2G.KC\,]K MTQZJ?KALWQ;=J:VKS27HL%^`,7YQJ';'^6IYN?>U72V;]WZ_.]9?VUGW?CA4 M[;_K>M^V[<<;B]5R\1FWV1WJ8[=KCK.V?GV:_V(?2Z)1*/S=/#6S.?;>K7ZGW??VO.O]?7.KBQP)=FWUT^ M9R_O7=\<;B'SV:'Z,7WOCI?O\_1/L-
CQJ,73%(\\WDJ+?JK$)#E>)$31DZ8JN-_LD*KDHH'6Z$Y=QXK@35)TX]A!GBD+U6W*5 M!7".=#,^8\9S,Z2:\;Q9T*FB,BD23D)FM`7N)-&L,5.3R..]6I/(&\Q8&YU: M%RZ+!7FKFRDR9@IN)JAF"C&H"]#[F*L*DYK%(QB37L8_?YI11_7ZJKFY06M4 MTZ70%9&*!!:L"K>;(0XF-I>%(!"ZH'5H*E1MZ-.$F1SG+,4>I^N0X9SGH MR.KU$:0;9JO1YY'0H8<88$1#G:6TXYTVEE!,N.L MKYKI20]$(3$_A2P`6U^DGQQ)+4$HAU/+>4HZ M3VTAQG-(#&>ABJG1##F@`@0HB M-Z48C)X/2AT$[Q*I,N1X"IRG3NJTYF*G)8. M0O#Z()(Z4Z!/K,J8XRIRKNIU7R,G9D0R>IH@9,%PF?23(RMRLNK#=8T"F4.? M)?QP62Q,:F^?W=QSL.H=L48!3+"4V%4(G8O1^\0^!W-@10Y6GP`'YL"*'*Q> M!RN*--59JQ\39&323PZLR,%Z?S9R\R-VWHD)D=!()SFD(D>JUY&*G)7.D4^T MC)!Y:Q-G!9A#*G*DZOG#&CDJAY1Y8)-NZ$[G0FH^Y)"*'*E>1RIR5))-3(:4 M2!YUY6!*'*9Z-ZR)0_+!&GW?44H9!9\8QY1#*7&4>AVE)+;R5`1]M9$RZU(I M&.502ARE04O_?@SC/6?7@5,%WUSNKW9^'R]LOH/4$L#!!0````(`!V'W4;R M$A7M6`(``&@(```8````>&PO=V]R:W-H965T&ULC9;;CILP M$(9?!?$`P>9H5@2IH:K:BTJKO6BOG<0):`%3VPG;MZ\/A#610;V)3__,?.-1 M/!0C9>^\)D1X'UW;\[U?"S&\!`$_U:3#?$<'TLN3"V4=%G+)K@$?&,%G;=2U M00A`&G2XZ?VRT'NOK"SH3;1-3UZ9QV]=A]G?`VGIN/>A_]AX:ZZU4!M!602S MW;GI2,\;VGN,7/;^%_A202W1BE\-&;DU]Q3\D=)WM?AQWOM`,9"6G(1R@>5P M)Q5I6^5)1OXS.?V,J0SM^RRPJ@KOR,TE"+3G8 MDM"EJ!:*?)8$,OX,$;H@8@,1VA#Q,D1J((RDUQ(8AA%TJ2I;A?(,NE&B#93( M1DF601*#$EE!X@1"Y%)5ZZH%2[S!$MLLZ3)*9EAB*PK8`>@25:NB!4FR09+8 M))FS0(E=(`"`LSZKH@5)ND&2VB3.FS^DFR13>59%"Y)L@R2S27)G=;+_JM)E*$K= M/.K-7@52AY]$H9-HTLRA4H`R)]*S,$%YN,+D?'H?3/:SB2(W$[3KD<>Q&VA5 M96@"JR<,^$I^8G9M>NX=J9#M1?>""Z6"2%]@)WW6LNW/BY9&PO=V]R M:W-H965T&ULC9A-C^(X$(;_2L2=QJYR/MRBD8:L5KN'E49S MV#VGP31H$L(FZ6;VWV^^H*M0V3,7(.$M^RV[_,3Q^EHWW]NCF\V*S' M>U^;S;I^[\K3V7UMHO:]JHKFOZTKZ^O+0B]N-[Z=WH[=<&.U6:_N+/__NO1>ORNOSGM.^.O5NUB/;N4+R7W;?Z M^H>;Z][>KJ%K*(JN+']'TZC]_7Z9],S6%R`,P!<`_023`` MYP#\##!CII.S,:_?BJ[8K)OZ&C739%R*8<[U,_8CMXO:\68S#5>?6=O?_=AD M9KWZ&-J9)3!*ME2B[XI5W_B]!Y!ZF,.!A(/402SQYB4DOJ;62)J<: MK7Q&DH"1A!K)1",)[011=L)%X"F@-.`D)4X01">,LL"/C(Z M(F*RVXSZ``1Q`G.F0C"9[,4&2MX2+U;)\0/$O,D,?]Y;B.7YG36ST2Q&,1NN M2FWJ<2-2Z.:&,L9JV8UF-2W/0,Y5.O94OA:)=7-#@63EBILU4S]HC:C*'U2Q MI_JU2+>;&XHW*\[!=M;,66>8R4N`RRQXYRI$2TUQ:8WLAY)PB4HKV0^3&4@\ M=D+`U)285LQ[JV/&!Y1E.9-IFP)Z_(CFIN"TOHQ"O-,4>%9^!FA*,XQ] M"3&5B<'C)D0]3;%G/:"@1$N5*,J9R*8^:(G4NWEAV),1/&NF;CQ.J"3VC0J$ M\`D4GUJ)Y;T%2L:E3`BFT:@]SR4(T1/8#DW)^`0*1KE08HB@RBFJ9Z4CY"$FJ1;KE7)9BZBED#'$4&4>U M9WS8V[CQ#`_;@6;&\[J`H1TH,HS*>6^1[2T3$90Y%_GXAR$@(P.R_"J\14K: MS%/'5+.TQE?'(1@C@[&6GPY(,=MO!L2UEW,5Q06W$X(Q,ACKAV?#?-*#E+.8 MR`<]3+3,O(L\]`J/C,;:4CNI)2Z*3N=V^BU[KJZ&@],#W7=N=Z?>NJK\NB*_?VB=(=N^)D. MY3J=%D\777VY'7[?3^`W_P-02P,$%`````@`'8?=1C?'6F]6`@``@0<``!@` M``!X;"]W;W)K*JWVT)X=X@2T@*GM+-M_7W\08J\<]@)X>&?FF<&,BXG0-]9@S+V/OAO8 MWF\X'W=!P.H&]X@]D1$/XLV9T!YQL:27@(T4HY-RZKL@"L,TZ%$[^&6A;"^T M+,B5=^V`7ZC'KGV/Z+\#[LBT]X%_,[RVEX9+0U`6P>)W:GL\L)8,'L7GO?\, M=A4(I40I?K=X8L:S)^&/A+S)Q<_3W@\E`^YPS64()&[ON,)=)R.)S'_GH/>< MTM%\OD7_KLH5^$?$<$6Z/^V)-X(V]+T3/J-KQU_)]`//-4`9L"8=4U>OOC). M^IN+[_7H0]_;0=TG_28/9S>W0S0[1(L#2%<=XMDAOCLDJE)-INKZAC@J"THF MC^J/,2+YS<$N%IVK/::,5+=+5,:$];T$$2B"=QEHUD1*<[`TBR(0T9<4D2O% M[!X9[I$K064IMNX,L2M#HHN(34"0V3E23:$U@]+$:>+25*9FD\>IFR1QD<2: M)+':&;D#P)52H!4@MC&A+@6:I60Q<(DJ4[2!4?Z`)5UA22V6Q,F2&FE")XBI MR!YLGVR%(K,HH),B,W+D3@I3`> N0K&+F%D3HQ\B^;82HV`"2Y&V2[`K*U M0#(GR-;:(>YM5)FB39("Z&:1L_`AC'QIT.3.7V\6Z4Q)F#M_T,I2;6`"/^^5 MP)AL/:87-?&95Y/KP.4H,:S+J?(&PO=V]R:W-H965T&ULC9E;_BL?O*2R(F\?Q3.LXA%)*I@_G/).8Q)Z"<8'$/=_^5+^]RW-BM/]'.9#PZ_]^ZYN&[354CO;;?=Y>JCVQ6%6IF_W\Z^P>`:O13KB MGWUZJD:_9^W@7XKB=_LGV-[/]78,:9:^UJV+I/GZ3-=IEK6>FI[_<*>7/EO# M\>_!^V,WW6;X+TF5KHOLW_VVWC6CU>>S;?J6?&3UK^+TE/(Y6*W#UR*KNL_9 MZT=5%_E@,I_ER=_^>W_HOD_]$]OE9F(#@QL89P-75QJ8W,`\&QB6TH!Q`W8V M8$K>XKQUZ?,:(VX9X4-H<*L M5]A`'ES!ZS'(+`!7`F[&H`T2RD?]6HXN,P3O& MF.E)R!"3X$BX"$_9E&#Q&`.&)H)"8`I#8/8A,%$(/+$'I@HB&WM@5T.U^B"R MT5"%Q%I!]/T\X'Y`Y&5#>GFK&LL0=PA"^6-9Z3:][.B;]>%O4";DC")XF0 M)"*2B,4$4LU6J68CW0VA:C;:B&RXW5.Y;#8I&TGX)!&01$@2T=0IQ6)72%]' MI:^#]#6%^CKD=D<2&Y+PQP33=*Z MXYX`9/->NZ3$).&31$`2(4E$)!&KYHS4]53J>NC594)UO7%/TGW!([4E"7], MR/;MP+N9N%!CLK>()&(Q@=1MRS"YO.W3D;Z64%\.\>2N><=OLT6N,2+%"2W7 M&I&"C)8+CKNV`9A,=40V.:WER%99>(4*DEH>@"O0L673B3%I8H5P/,3U&T]M M`1S-!OTA M+'Z(VB-8_!2UQ^WEG*"]T;5YX`J>-)(,]WG:9U/IUV/_25<_Z&PO=V]R:W-H965T&ULA9E;;^,V$(7_BN'WK,494I?`,;!24;0/!1;[T#XKMA(;:UFNI&RV M_[ZZV`Z/,<.\V!9]2!Z2XC>\K-^;]D>WKZI^\:L^GKJGY;[OSX^K5;?=5W79 M?6G.U6GXYZ5IZ[(?'MO757=NJW(W9:J/*XJB>%67A]-RLY[2OK6;=?/6'P^G MZEN[Z-[JNFS_RZMC\_ZT-,MKPO?#Z[X?$U:;]>J6;W>HJU-W:$Z+MGIY6GXU MCX6+1LFD^/M0O7?>[\5H_KEI?HP/?^Z>EM'HH3I6VWXLHAR^?E9%=3R.)0TU M_WLI]*/.,:/_^UKZ[U-S!_O/95<5S?&?PZ[?#VZCY6)7O91OQ_Y[\_Y'=6F# M&PO<-L=N^EQLW[J^J:]9EHNZ_#5_'T[3]_O\3QI=LLD9Z)*!;AE,',S`EPS\ MD<%.+9V=3>WZK>S+S;IMWA?M/!CG=I`H*4&1R#2S5P',C&!JA%&"E`NQ< M@/4+2]6%`D:$1%T M-0)\<8ELQ/@MCN3WL;A3)0H*C(BKJQV?1EDFNR%XJ64OH'%.ZQH1;%_0`R8SF.7$37FDCQ`RK6(HD)\=<` M@&,YEAA@JR$C$JE`&5&J&0I!V`"%8Y8-95B3J"I`91)EM"A$8@(2RV$T)Q^S M-DWDB0ZJ!XH2Q4Z(QP0\CN4010:FC94[!U0/+E9B-X5X3`1VY#A%/FPY9<6. MKQJ"K[9"H]!BDX#)L=;#(9(2D#2624IW)"49_P7JV!EM1E`(IP0XC66;F[%-3GF4@X4Q9<'.(JPQ<362NLOG@R@#51(8JPPK6&GDQ!RH;*7.=0\MVGP^4+QEFJ!(J.,1E!BXG,I<9=_M1G&2*(Q`ZOQ/1DDCFZVD+D%F+-AS" M*0-.Y2.,G'U,FI0S<<84*./8:?,A!%,&F*8R3#F%FB(E((/L(?9E:"B$4@:4 MRH$D9Q^1;-0>\F6)VD$VQ%$+'$UECEI8?2;&R4O]`G3#2QTI.+4AG%K`:2KC MU,*!`)%SRO;.AFAI@9;R,B.W/@==E"F1%F1!1Z%%J`5BI@I9;/#,$RB7RI2S MGU,.)(82HYD)8BNS9?COZ=SRLG20J'&V]W/PE6WK5,7;6OTW55M]@V;Z=^O`?Q M4F]78E]IO-:Y2\_-8S%?;'T4LUF?R]?JK[)]/9RZQ7/3]TT]W?"\-$U?#?:B M+T-_[:MR=WLX5B_]^#,9.W*^WIH?^N9\O:V[71EN_@=02P,$%`````@`'8?= M1B07''"B`0``L0,``!@```!X;"]W;W)KV$`*[Y0VRSIW]<7ED#$"YX9SCES MQI=BU.;==@`.?4BA[`EWSO5'0FS5@63V3O>@_)]&&\F<3TU+;&^`U9$D!:%9 M=D\DXPJ71:R]FK+0@Q-4!$P&\.HUW$*'B_:/T>DI_U"6?!`@BH7%!@?KG"$P@1A'SC MOY/F9\M`7,8W]>M/C#:]=YLQE&-31L$.Y-CR\PC7`(@I46-GY1 M-5BGY8V"D60?:>4JKF/Z\RV;:-L$.A'H%P))C:+-'\RQLC!Z1"9M;<_"">Z. MU&]$A6PLFC2]-VI]]5KNON<%N0:A"4,CYKS"S`CBU><6=*O%1*<+.MVF[[?H M^^1POW)XV!;(MP3R))"O!.[7(R;,>8UY^-*$+/94@FGCU;&HTH.*%W51G6_G M(XUG\@DOBYZU\(N9EBN++MKYDXW'T&CMP)O([@X8=?[]S(F`QH7PP<&PO=V]R M:W-H965T&UL;5/;;J,P$/T5RQ]0$X=TVX@@-:VJ]F&EJ@^[ MSPX,8-47:IO0_?OUA5!2\8+MX9PS9SSC8M3FPW8`#GU)H>P!=\[U>T)LU8%D M]D;WH/R?1AO)G#^:EMC>`*LC20I"L^R62,85+HL8>S-EH0,`;?`F\\[9S(4#*@LR\FDM0EFN%##0'_+#9'_.`B(`_'$:[V*/@_:3U M1SB\U@>^4@;C<7]2?8[7>_8E9>-3B+Z]= MY\UF&-70L$&X=SV^P%3"+@A66MCX1=5@G987"D:2?:65J[B.Z<\NGVCK!#H1 MZ$RXRZ+QE"C:?&*.E871(S+I:GL6.KC94W\1%;(Q:%+UWJCUT7.YN;\KR#D( M31@:,<\+'K6PF]F6JXL.FGG.QO; MT&CMP)O(;G88=?[]S`& M<\Z<\:6\:]<\.)$%OW()E]T`,H_Z?51C+G4],1.QA@321) M06B6?2&2<86K,M9>3%7JT0FNX,4@.TK)S-\+"#V=\0$OA5?>]2X42%62E==P M"O=79N%)BS^\<;TWFV'40,M&X5[U]`/F$8Y!L-;" MQB^J1^NT7"@82?:15J[B.J4_^4+;)]"90%?"MRP:3XVBS>_,L:HT>D(F;>W` MP@D>3M1O1(UL+)HTO3=J??56T8R6Y!:$9@R-F,L6A>BYE.MRWV MZ?D>/4\.\SN'^;Y`L2=0)('B3J"X'S%A+O>8XW]-R&9/)9@N7AV+:CVJ>%$W MU?5V/M)X)I_PJAQ8![^8Z;BRZ*J=/]EX#*W6#KR)[.&(4>_?SYH(:%T(O_K8 MI"N5$J>'Y8&LK[3Z!U!+`P04````"``=A]U&<>FW"*8!``"Q`P``&0```'AL M+W=O;0?@R(>2VIZRSKG^ M2*FM.E#0>)XRC;9K?`FVLZ%`BT+.O-JH4!;@9H8:$[9\^9XW@5$!/P2,-I% M3(+W"^)[2'[4IRP/%D!"Y8("]\L57D#*(.0;_YDT/UL&XC*^J7^+TWKW%V[A M!>5O4;O.F\TS4D/#!^G>.75(-UJ&Z4C"C^D5:AXSJF/_O# M1%LGL(G`9L(AC\93HVCS*W>\+`R.Q*2M[7DXP8G9S`CJU><6;*W%1&?+%NOT[1I]FQQN[QP^K0OLU@1V26!W M)W"X'S%ASO>8+_\UH8L]56#:>'4LJ7#0\:(NJO/M?&;Q3#[A9='S%GYRTPIM MR06=/]EX#`VB`V\B?WC,2.??SYQ(:%P(GWQLTI5*B81]$*RUL/&+ZM$Z+:\4C"1[3RM7<9W2GWTQT[8)=";0A?`CB\93HVCSD3E6 ME49/R*2M'5@XP?Q`_4;4R,:B2=-[H]97+Q7-LY)<@M",H1%S6F/R!4&\^M*" M;K68Z73=8IN^VZ+ODL/=C<,O^A=;`D42*&X$Z.V("7.ZQ>P^-2&K/95@NGAU M+*KUJ.)%7567VWE/XYE\P*MR8!T\,]-Q9=%9.W^R\1A:K1UX$]G='J/>OY\E M$="Z$'[WL4E7*B5.#]<'LKS2ZC]02P,$%`````@`'8?=1LSR3%RD`0``L0,` M`!D```!X;"]W;W)K&UL;5/;;J,P$/T5RQ]0@T/: M*B)(35>KW8>5JCZTSPX,8-47UC:A^_?UA5"RX@7/#.><.>-+.6GS87L`ASZE M4/:(>^>&`R&V[D$R>Z<'4/Y/JXUDSJ>F(W8PP)I(DH+0++LGDG&%JS+67DQ5 MZM$)KN#%(#M*R]?0+YA'V0;#6PL8OJD?KM+Q2,)+L,ZU< MQ75*?XI\IFT3Z$R@"^$QB\93HVCS!W.L*HV>D$E;.[!P@OF!^HVHD8U%DZ;W M1JVO7BJ:%R6Y!*$90R/FM,;D"X)X]:4%W6HQT^FZQ39]MT7?)8>[&X?[;8%B M2Z!(`L6-P/WMB`ESNL4\_->$K/94@NGBU;&HUJ.*%W5576[G$XUG\@VORH%U M\(>9CBN+SMKYDXW'T&KMP)O([O88]?[]+(F`UH7PP<&PO=V]R:W-H965TVF<3EI\V9[`(<^I%#VA'OGAB,AMNY!,GNG!U#^3ZN- M9,X?34?L8(`UD20%H5GVA4C&%:[*&'LQ5:E')[B"%X/L*"4S?\\@]'3".5X" MK[SK70B0JB0KK^$2E.5:(0/M"3_FQW,1$!'PF\-D-WL4O%^T?@N'G\T)9\$" M"*A=4&!^N<(3"!&$?.+W6?,S92!N]XOZB6H\J#NHFND[G(XT]^817Y<`Z^,5,QY5%%^U\9V,;6JT=>!/9W3U& MO7\_ZT%`Z\+VJ]^;-%+IX/2P/)#UE5;_`%!+`P04````"``=A]U&G!0(^Z0! M``"Q`P``&0```'AL+W=O+.IZ:C=C#`FTA2DK(\_T05%SJK MREA[-E6)HY-"P[,A=E2*FW]GD#B=LEUV*[R(KG>A0*N2+KQ&*-!6H"8&VE/V MN#N>BX"(@-\")KN*2?!^07P-R<_FE.7!`DBH75#@?KG"$T@9A'SCO[/F>\M` M7,]Q6N_^PBT\H?PC&M=[LWE&&FCY*-T+3C]@'N$0!&N4-GY)/5J'ZD;) MB.)O:14ZKE/ZP[[.M&T"FPEL(7S)H_'4*-K\QAVO2H,3,6EK!QY.<'=D?B-J M8F/1I.F]4>NKUXHQ5M)K$)HQ+&+.:\QN05"OOK1@6RUF.ENWV*;OM^C[Y'!_ MYW"_+5!L"11)H+@3*.Y'3)CS/>;PH0E=[:D"T\6K8TF-HXX7=55=;N&UL;5/;CILP$/T5BP]8$R=[:420-EM5[4.EU3ZTSPX, M8*WMH;8)V[^O+\"2BA<\,YQSYHPOQ8CFW78`CGPHJ>TIZYSKCY3:J@/%[1WV MH/V?!HWBSJ>FI;8WP.M(4I*R/'^@B@N=E46LO9JRP,%)H>'5$#LHQ:4/>^.YT-`1,`O`:-=Q21XOR"^A^1' M? MD1H:/DCWAN-WF$:X#X(52AN_I!JL0S53,J+X1UJ%CNN8_NQGVC:!302V$)[R M:#PUBC:_%^36CI@PYUO, MTW]-Z&I/%9@V7AU+*AQTO*BKZG([GUD\DT]X6?2\A9_0X/H MP)O([^XSTOGWLR02&A?"1Q^;=*52XK"?'\CR2LM_4$L#!!0````(`!V'W48, M]ZSQI`$``+$#```9````>&PO=V]R:W-H965T5HIRV#U[H`$K?A#;#-F_CQ\,859<<'=355WM M1SEI\VY[`(<^I5#V@'OGACTAMNY!,GNC!U#^3ZN-9,ZGIB-V,,":2)*"T"R[ M(Y)QA:LRUEY-5>K1":[@U2`[2LG,OR,(/1UPCB^%-][U+A1(59*%UW`)RG*M MD('V@!_S_7$7$!'PA\-D5S$*WD]:OX?D5W/`6;```FH7%)A?SO`$0@0AW_AC MUOQN&8CK^*+^'*?U[D_,PI,6?WGC>F\VPZB!EHW"O>GI!>81;H-@K86-7U2/ MUFEYH6`DV6=:N8KKE/X4#S-MFT!G`ET(]UDTGAI%FS^98U5I](1,VMJ!A1/, M]]1O1(UL+)HTO3=J??5<4?I0DG,0FC$T8HYK3+X@B%=?6M"M%C.=KEMLTXLM M>I$<%FMZD6T+[+8$=DE@=R607X^8,,=KS/\NR6I/)9@N7AV+:CVJ>%%7U>5V M/M)X)M_PJAQ8![^9Z;BRZ*2=/]EX#*W6#KR)[.86H]Z_GR41T+H0_O"Q25RO-+J"U!+`P04````"``=A]U&K>U;LZ0!``"Q`P``&0```'AL+W=O MP"'/J10]HA[YX8#(;;N M03)[IP=0_D^KC63.IZ8C=C#`FDB2@M`LNR>2<86K,M9>357JT0FNX-4@.TK) MS/\3"#T=\0Y?"V^\ZUTHD*HD"Z_A$I3E6B$#[1$_[@ZG(B`BX`^'R:YB%+R? MM7X/R:_FB+-@`034+B@POUS@"80(0K[QOUGSJV4@KN.K^G.N]V0RC!EHV"O>FIQ>81]@'P5H+&[^H'JW3\DK!2+*/M'(5URG]V6^-6E^]5#3/2W() M0C.&1LQIC=DM".+5EQ9TJ\5,I^L6V_1\BYXGA_F-PV);H-@2*))`<2.POQTQ M84ZWF/MO3"9?\*H<6`>_F>FXLNBLG3_9 M>`RMU@Z\B>QNCU'OW\^2"&A="'_XV*0KE1*GA^L#65YI]0E02P,$%`````@` M'8?=1I@SBU"F`0``L0,``!D```!X;"]W;W)K&UL M;5/;CILP$/T5BP]8$X>]-")(FZVJ]J'2:A_:9P<&L-;V4-N$[=_7%\*2BA<\ M,YQSYHPOY83FW?8`CGPHJ>TQZYT;#I3:N@?%[1T.H/V?%HWBSJ>FHW8PP)M( M4I*R/'^@B@N=566LO9JJQ-%)H>'5$#LJQ1->[4*!521=> M(Q1H*U`3`^TQ>]X=3D5`1,`O`9-=Q21X/R.^A^1'<\SR8`$DU"XH<+]I+"[;58J:S M=8MM^GZ+OD\.]S<.G[8%BBV!(@D4-P)?;D=,F-,-ILC_:T)7>ZK`=/'J6%+C MJ.-%7567V_G,XIE\PJMRX!W\Y*83VI(S.G^R\1A:1`?>1'YWGY'>OY\ED="Z M$#[ZV*0KE1*'P_6!+*^T^@=02P,$%`````@`'8?=1IX317*D`0``L0,``!D` M``!X;"]W;W)K&UL=5/;;J,P$/T5RQ]0$X?L5A%! M:EI5NP\K57W8?79@`*N^4-N$[M_7%T)(15_PS'#.F3.^%*,V;[8#<.A#"F4/ MN'.NWQ-BJPXDLW>Z!^7_--I(YGQJ6F)[`ZR.)"D(S;(?1#*N<%G$VHLI"STX MP16\&&0'*9GY?P2AQP/>X$OAE;>="P52%F3FU5R"LEPK9*`YX(?-_I@'1`3\ MY3#:18R"]Y/6;R'Y71]P%BR`@,H%!>:7,SR"$$'(-WZ?-*\M`W$97]2?X[3> M_8E9>-3B'Z]=Y\UF&-70L$&X5SW^@FF$71"LM+#QBZK!.BTO%(PD^T@K5W$= MTY]=/M'6"70BT)EPGT7CJ5&T^<0<*PNC1V32UO8LG.!F3_U&5,C&HDG3>Z/6 M5\\ES3<%.0>A"4,CYKC$7!'$J\\MZ%J+B4Z7+=;IVS7Z-CGU$5UOIT/-)[)%5X6/6OA#S,M M5Q:=M/,G&X^AT=J!-Y'=[3#J_/N9$P&-"^%/'YMTI5+B=']Y(/,K+3\!4$L# M!!0````(`!V'W4;OI7]"I`$``+$#```9````>&PO=V]R:W-H965T<.=X$OA@[>= M"P52%F3FU5R"LEPK9*`YX(?-_I@'1`3\X3#:18R"]Y/6GR%YK0\X"Q9`0.6" M`O/+&1Y!B"#D&W]-FC\M`W$97]2?X[3>_8E9>-3B+Z]=Y\UF&-70L$&X#SV^ MP#3"+@A66MCX1=5@G987"D:2?:>5J[B.Z<\NGVCK!#H1Z$RXSZ+QU"C:?&*. ME871(S)I:WL63G"SIWXC*F1CT:3IO5'KJ^>2YKN"G(/0A*$1/6Y M!5UK,='ILL4Z?;M&WR:'VRN'M^L"^9I`G@3R*X&[ZQ$3YGB-N?_5A"SV5()I MX]6QJ-*#BA=U49UOYP.-9_(#+XN>M?#&3,N512?M_,G&8VBT=N!-9#<[C#K_ M?N9$0.-">.=CDZY42ISN+P]D?J7E?U!+`P04````"``=A]U&K'./G*0!``"Q M`P``&0```'AL+W=O]2X42%62A==P"]GK=]"\KLYXBQ8``&U"PK,+Q=X`B&"D&_\;];\:AF(Z_BJ M_C-.Z]V?F84G+?[RQO7>;(91`RT;A7O5TR^81]@'P5H+&[^H'JW3\DK!2++W MM'(5URG]V=_/M&T"G0ET(7S+HO'4*-K\P1RK2J,G9-+6#BR<8'Z@?B-J9&/1 MI.F]4>NKEXH6WTMR"4(SAD;,:8W)%P3QZDL+NM5BIM-UBVWZ;HN^2PYW:_H^ MVQ8HM@2*)%#<".2W(R;,Z1;SOTNRVE,)IHM7QZ):CRI>U%5UN9V/-)[)%[PJ M!];!,S,=5Q:=M?,G&X^AU=J!-Y'=[3'J_?M9$@&M"^&#CTVZ4BEQ>K@^D.65 M5I]02P,$%`````@`'8?=1E1KV<.E`0``L0,``!D```!X;"]W;W)K&UL;5/;CILP$/T5RQ^P)H3L5A%!VFQ5M0^55OO0/CLP@+6V MA]HF;/^^OA"65+S@F>&<,V=\*21->[4&!5R19>(Q1H*U`3`^V)/N^.YR(@(N"7@,FN8A*\7Q#?0_*C.=$L M6``)M0L*W"]7>`$I@Y!O_&?6_&P9B.OXIOXM3NO=7[B%%Y2_1>-Z;S:CI(&6 MC]*]X?0=YA$.0;!&:>.7U*-UJ&X42A3_2*O0<9W2G^)IIFT3\IF0+X0O632> M&D6;7[GC56EP(B9M[<##">Z.N=^(FMA8-&EZ;]3ZZK7*#_N278/0C,DCYKS& M[!8$\^I+BWRKQ4S/URVVZ?LM^CXYW-\Y++8%BBV!(@D4=P*'^Q$3YGR/>?RO M"5OMJ0+3Q:MC28VCCA=U55UNYW,>S^037I4#[^`G-YW0EES0^9.-Q]`B.O`F MLH<#);U_/TLBH74A?/*Q25;0?@R(>2VIZRSKG^2*FM.E#J MN-!96<3:JRD+')P4&EX-L8-2W/P]@\3QE&VR6^%-M)T+!5H6=.;50H&V`C4Q MT)RRY\WQO`N("/@E8+2+F`3O%\3WD/RH3UD>+("$R@4%[I.75(-U MJ&Z4C"C^D5:AXSJF/]O#1%LGL(G`9L(AC\93HVCS*W>\+`R.Q*2M[7DXP`P-H@-O(G_89Z3S[V=.)#0NA$\^-NE* MI<1A?WL@\RLM_P%02P,$%`````@`'8?=1FBDH[JC`0``L0,``!D```!X;"]W M;W)K&UL=5/;;IPP$/T5RQ\0LUZ21BL6*9LJ2A\J M17EHG[TP@!5?J&V6]._C"[!L15_PS'#.F3.^%*,V'[8#<.A3"F6/N'.N/Q!B MJPXDLW>Z!^7_--I(YGQJ6F)[`ZR.)"D(S;('(AE7N"QB[#+*# ME,S\/8'0XQ'O\%QXYVWG0H&4!5EX-9>@+-<*&6B.^&EW..4!$0&_.(QV%:/@ M_:SU1TA^U$>6@;B.9_67.*UW?V86GK7X MS6O7>;,91C4T;!#N78^O,(UP'P0K+6S\HFJP3LN9@I%DGVGE*JYC^I//M&T" MG0AT(3QFT7AJ%&U^9XZ5A=$C,FEK>Q9.<'>@?B,J9&/1I.F]4>NKEY(^[`IR M"4(3AD;,:8VY(HA77UK0K183G:Y;;-/W6_1]`R-U@Z\B>SN'J/.OY\E$="X$'[SL4E7*B5.]_,#65YI^0502P,$%`````@` M'8?=1M#PQE2E`0``L0,``!D```!X;"]W;W)K&UL M;5/;;J,P$/T5RQ]0$X>D5420FE:KW8>5JCZTSPX,8-47:IO0_?OUA5!2\8)G MAG/.G/&E&+7YL!V`0U]2*'O$G7/]@1!;=2"9O=,]*/^GT48RYU/3$ML;8'4D M24%HENV)9%SALHBU%U,6>G""*W@QR`Y2,O/O!$*/1[S!U\(K;SL7"J0LR,RK MN01EN5;(0'/$CYO#*0^("'CC,-I%C(+WL]8?(?E3'W$6+("`R@4%YI<+/($0 M0<@W_IPTOUL&XC*^JO^*TWKW9V;A28MW7KO.F\TPJJ%A@W"O>OP-TPB[(%AI M8>,758-U6EXI&$GVE5:NXCJF/P_91%LGT(E`9T*^C<93HVCSF3E6%D:/R*2M M[5DXPB2@\J M7M1%=;Z=CS2>R3>\+'K6PE]F6JXL.FOG3S8>0Z.U`V\BN]MAU/GW,R<"&A?" M>Q^;=*52XG1_?2#S*RW_`U!+`P04````"``=A]U&Q4AE[-H"``#[#```&0`` M`'AL+W=OIJND%7475V4_ M]Z*K4EUL4W?R14?FTK9"_]O*1ETW,8O'B=?Z>+)^(JG*Y!ZWKUO9F5IUD9:' M3?S$'K<\]Y`>\;N65S.YCWSR;TJ]^\'/_29.?0ZRD3OK*82[?,AGV32>R2G_ MO9%^:?K`Z?W(_KU?KDO_31CYK)H_]=Z>7+9I'.WE05P:^ZJN/^1M#4M/N%.- MZ7^CW<58U8XA<=2*S^%:=_WU.CQ9I[
Q9^"]DC=R]B%YE^4@^K=XD:-_M1\551)A^>Z(;A/68[Q;`[(G'L=PF.2=S" M^50"#\^P\&S(,)NJ%P5.L,`(%@/!8JJ?IW")`V8+,<0BEP&1)2#@J`C$9+C( M*B"R`@0+5`1BEKA('A#)`<$*%8&8'!=9!T36@&"-BD`,L?%%0*28$JSQC8<8 M8N-]=9,J_N&$`M_Z&8C8>X96ZJ@#2G6-[_X,1&P_0\MUU`'UNL8-,`,1#F!H M78\Z&:#`/3`#$29@H?)GH+8+W`8S$.6#4`=@H+P+P@<01/D@U`08J/""\`$$ M43X(]0$&BKP@?`!!E`]"K8"!.B\('T`0Y8-0-V#34L]2P@<01/W;A?H!3P$% M[H,9B/`!#_4#S@`%[H,9B/`!#_4#S@$%[H,9B/`!#_4#G@$*W`J?X#4$L#!!0````( M`!V'W48Z,*VHY`$``$P%```9````>&PO=V]R:W-H965T7C,8B":^"]K1ME`CA+ M\N?C*TPE M;(U@P:FT7U0,4G%VI02(D4\WMIT=1[?S&$XT/R&>"/%W"N3.KH)4NBQQ1?C-"$B2WFM,1$,P)K M]=DB]EE,]'A!CWT&^0KQY'=(?`Z)*R)9\L/$+[#Q"6R\=DNQ*(O"9K3.PWV=TQV:T$$I])OL9L_";[.R;[E<#66\D:L[LQP8M; MRD#4]O5*5/"A4^9:+*)S@WB.S2V_B9]TXW#O_$LF2WM2PR\BZK:3Z,R5?D/V MPE><*]#)A0_ZG!O=VN8%A4J9Z5[/A7OM;J%X?^U=
P8``!D```!X;"]W;W)K&UL M?57-CML@$'X5Y`=8;.S\RK&TV:IJ#Y56>VC/Q)[$UH)Q@<3;MR]@QS$1R27` M\/T,3!CGO9"?J@;0Z(NS5NVB6NMNB[$J:^!4O8@.6K-S%))3;9;RA%4G@5:. MQ!DF<;S$G#9M5.0N]BZ+7)PU:UIXETB=.:?RWQZ8Z'=1$ET#'\VIUC:`BQQ/ MO*KAT*I&M$C"<1>])MM]XB`.\;N!7LWFR"9_$.+3+GY6NRBV.0"#4EL):H8+ MO`%C5LDX_QU%;YZ6.)]?U;^[XYKT#U3!FV!_FDK7)MLX0A42.@`F"SF`FD<-/$Q M#VYR^<1DZ0F0H(F/2<,FJR M0+CP/N9!X>WK?NAB-V\26;CT=Z`'M4^"+_7JXSW5+%S].]!]^?&L.7"0)]<# M%2K%N74M=Q:=^NPK<&UL=5/;;IPP$/T5RQ\0 M@Y=-JQ6+E$U4M0^5HCRTSUX8P(HOQ#9+^O?UA25L1%[PS'#.F1G/N)RT>;4] M@$/O4BA[Q+USPX$06_<@F;W3`RC_I]5&,N==TQ$[&&!-)$E!:);=$\FXPE49 M8\^F*O7H!%?P;)`=I63FWPF$GHXXQ]?`"^]Z%P*D*LG":[@$9;E6R$![Q`_Y MX50$1`3\X3#9E8U"[6>M7X/SJSGB+)0``FH7%)@_+O`(0@0AG_AMUOQ(&8AK M^ZK^(W;KJS\S"X]:_.6-ZWVQ&48-M&P4[D5//V%N81\$:RUL_*)ZM$[+*P4C MR=[3R54\I_3G>S;3M@ET)M!/!)(2Q3*?F&-5:?2$3+K:@84)Y@?J+Z)&-@9- MZMX7:GWT4NV*HB27(#1C:,2H]^]G<02T+IC?O&W22B7'Z>'Z0)97 M6OT'4$L#!!0````(`!V'W4:.768)I0$``+$#```9````>&PO=V]R:W-H965T M:,"* M'\0V0_;OXP<09L4%VTU5=;6[78Q*?Y@.P*(OP:4Y)IVU_0%C4W4@J+E1/4CW MIU%:4.N.NL6FUT#K0!(S\K]>$/+_4Q M2;T%X%!9KT#=\%*\5-^*)J,%:)F9(@0;_BRF18Q_CG=J9M$\A$(`OA/@W& M8Z)@\S>UM"RT&I&.5]M3W\'L0-Q%5,B$H([5.Z/&12_E+K\K\,4+31@2,*;7 M?TGPZDX%Z#:,CD&5&F08U%5TF&UL?53;;IPP M$/T5BP^(N2R0KEBD;*JJ?:@4Y:%]]L)P46Q,;;.D?U]?6`*1NR_8'I_+C/&X MF+EXDQV`0N^,#O(4=$J-1XQEU0$C\H&/,.B=A@M&E%Z*%LM1`*DMB5$F'H"QL[$64!9\4[0=X$4A.C!'Q]PR4SZ<@"FZ!U[[ME`G@LL`KK^X9#++G M`Q+0G(*GZ'C.#<("?O4PR\T8GQ`LA7@F/EH"=D4WS*U&D+`2?D7!'.Q+S M!Z-CK`^B0M(&A:M>)RIU]%HF:5C@JQ%:,+'%G+>8:$5@K;Y:Q#Z+A1YOZ+&? MGOCHBLZ8 M9#N!U&NRQV1^D_R.2;X3R+TF>\SC)Q.\N8(,1&L[3:**3X/MZTUT;>:GV%[A M#WA9C*2%GT2T_2#1A2O="/;6-IPKT$F$#_H\._WTU@=HD=.95W42E.E0$0WU(;G;[(\[CPB`/QV,9C$GWOL) M\<4O'JM#DGH+(*"T7H&[X0SW((07Q=^N MLJTSFR:D@IH/PC[C^`!3"<%AB<*$+RD'8U%>*`F1_#6.G0KC&'>^IQ-MG<`F M`OM$H#%1L/F36U[D&D>BX]'VW-_@9L_<093$A*".U3NCQD7/1;;[D=.S%YHP M+&".2\QF1E"G/J=@:RDF.EO0V3H]6Z-GT6&VI+-L76"[)K"-`MMEB;?I=8D1 M<[S&?%'D[C])=E<";#7)->9S)71Q<1)T$]ZG(24.*G3#(CJWP!T+%_\!+_*> M-_";ZZ93AIS0NN<3[KI&M.!,I#?.1>N:=%X(J*V??G-S'=]M7%CL+UTX_PJ* M=U!+`P04````"``=A]U&F3/QML(!``![!```&0```'AL+W=OA)GF,1QBCEM191GOO:B\DSVAK4"7A32/>=4_3L!D\,QVD37 MPFM;-\85<)[AB5>V'(1NI4`*JF-TMSF<4H?P@#\M#'JV1R[[6V9>Y?`$8PL[)UA(IOTO*GIM)+]2(L3I1UA;X= MC'S,!VIHGBDY(!5>;4?=/[@Y$/LB"J1]487N;5!MJY=\FR89OCBA$4,\YC3' M;"8$MNJ3!5FS&.ED1B?K].T:?1L2;N=TDJX+)&L"21!(%BWNEBT&S&F)^<9D M]X/);B&P7S598F[73=(?3-*%P*]5DP5F'W\QP;/;P4'5?@@T*F0O_,C-JM.< MW1%_NS[A>=;1&GY35;="H[,T]H[Z"U5):<"&B&]LJXW]$DP'!I5QV[W=JS`< MX6!D=QWUZ7N3_P=02P,$%`````@`'8?=1O&_63RE`0``L0,``!D```!X;"]W M;W)K&UL=5/;;IPP$/T5RQ\0LX8D[8I%RB:JVH=* M41[:9R\,8,478ILE_?OZPK)L15_PS'#.F3.^E),V[[8'<.A3"F4/N'=NV!-B MZQXDLW=Z`.7_M-I(YGQJ.F('`ZR))"D(S;('(AE7N"IC[=54I1Z=X`I>#;*C ME,S\.8+0TP'O\*7PQKO>A0*I2K+P&BY!6:X5,M`>\--N?RP"(@)^<9CL*D;! M^TGK]Y#\:`XX"Q9`0.V"`O/+&9Y!B"#D&W_,FM>6@;B.+^K?XK3>_8E9>-;B M-V]<[\UFFLE&X-SU]AWF$^R!8:V'C%]6C=5I>*!A)]IE6KN(ZI3\/7V?: M-H'.!+H0OF31>&H4;;XPQZK2Z`F9M+4#"R>XVU._$36RL6C2]-ZH]=5SE3_N M2G(.0C.&1LQQC;DBB%=?6M"M%C.=KNATFYYOT?/D,+]Q^!^!8DN@2`+%C4!^ M.V+"'&\QQ3]-R&I/)9@N7AV+:CVJ>%%7U>5V/M%X)E=X50ZL@Y_,=%Q9=-+. MGVP\AE9K!]Y$=G>/4>_?SY((:%T('WULTI5*B=/#Y8$LK[3Z"U!+`P04```` M"``=A]U&+>UL.*0!``"Q`P``&0```'AL+W=O;0_@T(<4RIYP[]QP),36/4AF'_0`RO]IM9',>==TQ`X& M6!-)4A":98]$,JYP5<;8JZE*/3K!%;P:9$$LE``":A<4F#^N M\`Q"!"&?^.^L^9DR$-?V3?U[[-97?V$6GK7XPQO7^V(SC!IHV2CU^H]=%KE1_V);D&H1E#(^:\QNP6!/'J2PJZE6*F MTQ6=;M/S+7J>*LS7]+S8%BBV!(HD4-RU^'C?8L*<[S&'+TG(ZDXEF"ZNCD6U M'E5XQZ_WX61T#K M@GGPMDDKE1RGA]L#65YI]1]02P,$%`````@`'8?=1DV^F0.S`0``%@0``!D` M``!X;"]W;W)K&UL?53;;IPP$/T5BP^(P>PFVQ6+ ME$T5M0^5HCRTSUX8P(HOU#9+^O?UA240H;Q@>WS.F3.VAV)4^LUT`!:]"R[- M*>FL[8\8FZH#0>T0` M_&8PFL4<>>\7I=[\XF=]2E)O`3A4UBM0-USA"3CW0B[QWTGS(Z4G+N=0 MK7-_H0:>%/_#:MLYLVF":FCHP.VK&G_`5$)P6"ENPA=5@[%*W"@)$O0]CDR& M<8P[AW2B;1/(1""?"#@F"C:_4TO+0JL1Z7BT/?4WF!V).X@*F1#4L7IGU+CH MMJ$)0P+FO,1D,P([]3D%V4HQTIT&5&F3HAD5T M;H%'$B[^`UX6/6WA%]4MDP9=E'7/)]QUHY0%9R*]&PO M=V]R:W-H965T0/*`YVKG(L-5U5W8>5 MJC[L/A-G?%'!>('$W;]?P(YK*NH7`\.YS("9K!?R7=4`&GUPUJIC5&O='3!6 M10VS M.;*YGX5XMXN?EV,4VQ2`0:&M`C7##9Z`,2MDC/^.FI^6ECB?W]6?7;4F^S-5 M\"38G^:B:Y-L'*$+E/3*])OH7V`L86T%"\&4^Z+BJK3@=TJ$./T8QJ9U8S_L M[.*1%B:0D4"^$/!@Y-+\037-,REZ)(>C[:B]P=6!F(,HD')!.51O$E4F>LN3 M79+AFQ4:,<1A3G/,:D)@HSY9D)#%2"/28.LG(]0Z%"7%O7H6;1 MJ2T]$O<8/^%YUM$*?E%9-:U"9Z'-DW;OKQ1"@TDB?C!_1FT:Y[1@4&H[W9JY M''K)L-"BNW?&J3WG_P%02P,$%`````@`'8?=1LFGR`G/`0``X`0``!D```!X M;"]W;W)K&UL?53;;J,P$/T5BP^H"1!H(X+4=%5U M'U:J^K#[[,!P46W,VB9T_WY](10J-R_8'I_+C/$XG[AXERV`0A^,]O(8M$H- M!XQEV0(C\HX/T.N=F@M&E%Z*!LM!`*DLB5$GZH,AM[%44.1\5[7IX M%4B.C!'Q[P243\=@%UP#;UW3*A/`18X77M4QZ&7'>R2@/@:/N\,I,P@+^-W! M)%=S9'(_<_YN%C^K8Q":%(!"J8P"T<,%GH!2(Z2-_\Z:GY:&N)Y?U9]MM3K[ M,Y'PQ.F?KE*M3C8,4`4U&:EZX],+S"7LC6#)J;1?5(Y2<7:E!(B1#S=VO1TG MMW,?SC0_(9H)T1<"=D8VS1]$D2(7?$+"'>U`S!_<'2)]$"62-BA<]3I1J:.7 M(GY(6Z M$>RMK3E7H),([_1YMOJY6184:F6FF9X+UX%NH?AP?4^61ZWX#U!+`P04```` M"``=A]U&Z^C@B,`!``![!```&0```'AL+W=OS=.?NI.H,M%+N8^S`E^LT(Q)'>:TQB0+`AOUQ2(-6[6]"P."^Q#`GLOL-^4F&]+])C3%G,;-LE^,,DV`G=!DRWF M/FR2_V"2KP62.&BRQ7S_77AU.SC(UC6!0I48>]=RJ^C29P^INUU?\+(82`M_ MB6QIK]!9:'-'W85JA-!@DHAO3*F=>0F6!8-&V^FMF4O?''ZAQ7!M]>6]*3\! M4$L#!!0````(`!V'W4:9A'P4I0$``+$#```9````>&PO=V]R:W-H965TR='D#Y/ZTV MDCE_-!VQ@P'61)(4A&;9#R(95[@J8^S%5*4>G>`*7@RRHY3,_#^!T-,1Y_@: M>.5=[T*`5"59>`V7H"S7"AEHC_@Q/YR*@(B`OQPFN]JCX/VL]5LX_&Z..`L6 M0$#M@@+SRP6>0(@@Y!._SYI?*0-QO;^J_XS5>O=G9N%)BW^\<;TWFV'40,M& MX5[U]`OF$O9!L-;"QB^J1^NTO%(PDNPCK5S%=4I_]O^-6A^]5$5.2W()0C.&1LQIC*FQ-UMB0ESNL5\3T)6 M=RK!='%T+*KUJ.*@KJ++=#[2V),O>%4.K(,_S'1<6736SGK]^UD.`EH7MO=^;])(I8/3P_6!+*^T^@102P,$%`````@`'8?=1@_\S^*F M`0``L0,``!D```!X;"]W;W)K&UL;5/;;J,P$/T5 MRQ]0`X$VB@A2TU75?5BIZD/[[,``5GUA;1.Z?[^^$$HJ7K`]G'/FC&=<3DI_ MFA[`HB_!I3GBWMKA0(BI>Q#4W*D!I/O3*BVH=4?=$3-HH$T@"4ZR)+DG@C*) MJS+$7G55JM%R)N%5(S,*0?6_$W`U'7&*KX$WUO76!TA5DH77,`'2,"61AO:( M']/#*?>(`'AG,)G5'GGO9Z4^_>%W<\2)MP`<:NL5J%LN\`2<>R&7^.^L^9W2 M$]?[J_ISJ-:Y/U,#3XI_L,;VSFR"40,M';E]4],+S"447K!6W(0OJD=CE;A2 M,!+T*ZY,AG6*?XK]3-LF9#,A6PC[)!B/B8+-7]32JM1J0CI>[4!]!]-#YBZB M1B8$=:S>&34N>JGRM"C)Q0O-F"Q@3FM,NB"(4U]29%LI9GJVHF?;]-T6?1<= M[M;T8K\MD&\)Y%$@ORGQ_K;$B#G=8AY^)"&K.Q6@NS`Z!M5JE&%05]%E.A^S MT)-O>%4.M(,_5'=,&G16UG4VM*%5RH(SD=P5&/7N_2P'#JWUVP>WUW&DXL&J MX?I`EE=:_0=02P,$%`````@`'8?=1C"0S(^G`0``L0,``!D```!X;"]W;W)K M&UL=5/;;IPP$/T5RQ\0@Y=LTQ6+E$U4M0^5HCRT MSUX8P(HOQ#9+^O?UA25L15^P/9QSYHQG7$[:O-D>P*$/*90]XMZYX4"(K7N0 MS-[I`93_TVHCF?-'TQ$[&&!-)$E!:);MB61]"P%2E63A-5R"LEPK9*`]XL?\<"H"(@)^<9CL:H^"][/6 M;^'PHSGB+%@``;4+"LPO%W@"(8*03_P^:WZF#,3U_JK^+5;KW9^9A2]73=YA+N`^"M18V?E$]6J?EE8*19!]IY2JN4_JSSV?:-H'. M!+H0'K)H/"6*-I^98U5I](1,NMJ!A0[F!^HOHD8V!DVJWANU/GJIBORA))<@ M-&-HQ)S6F'Q!$*^^I*!;*68Z7='I-GVW1=\EA[LU??\?@6)+H$@"Q4V)7V]+ M3)C3#89F_R0AJSN58+HX.A;5>E1Q4%?193H?:>S))[PJ!];!3V8ZKBPZ:^<[ M&]O0:NW`F\CN[C'J_?M9#@):%[9?_-ZDD4H'IX?K`UE>:?474$L#!!0````( M`!V'W48P"H8MO@$``'L$```9````>&PO=V]R:W-H965T[C12"6KL4K58#PIH M[4F"8Y*F.1:4]4E9^-BK*@LY&LYZ>%5(CT)0]>\,7$ZG9)?<`F^L[8P+X++` M"Z]F`GK-9(\4-*?D:7<\YP[A`;\93'HU1R[WBY3O;O&S/B6I2P$X5,8I4#M< MX1DX=T+6^.^L>;=TQ/7\IO[=5VNSOU`-SY+_8;7I;+)I@FIHZ,C-FYQ^P%S" MP0E6DFO_1=6HC10W2H($_0@CZ_TXA9UOZ4R+$\A,()\(.!CY-%^HH66AY(14 M.-J!NC^X.Q)[$!72/JA"]391;:/7,B.[`E^=T(PA'G->8^X(;-47"Q*SF.ED M12=Q^CY&WX<,]VMZGL<%LIA`%@2R38ED6V+`G+>8?=SD\(7)82.014VVF$/< M)/_")-\(Y%&3+>;QDPE>W0X!JO5-H%$EQ]ZWW"JZ]-D3\;?K#B^+@;;PBZJ6 M]1I=I+%WU%^H1DH#-HGTP9;:V9=@67!HC)L^VKD*S1$61@ZW5E_>F_(_4$L# M!!0````(`!V'W49%`(TO10,``$<-```9````>&PO=V]R:W-H965TF(76O`G M1U;F2ZQ(G3]+"GD^;L9_E?,JN=986]&=I5=<\3\J_ M"YJQV\Q&]GW@/3V=:S'@S*=.RSND.2VJE!5628\S^QE-=H@(2(/XE=);I?VW MA/D/QC[%S>MA9KO"`\WHOA8A$G[YHDN:92(25_ZC@CXT!5'_?X^^::;+[7\D M%5VR['=ZJ,_2VAU8(*O"/Z#@`<)6!'P6$*@",%82T01R(-`!@FA(H1C M+46*$(TEQ(H0CR6(G,O,N:,I;;)1A^+(*FEJ;)74R7Q:LIM5RHUQ2<3^0Q/. MXL&MJADM9>WR,JOXZ-<<>]'4^1*1%,9K,`L3$T.8M8'Q70BST3&H13C<9NO5 M`[TJ'YZA@2"-I8GQ(,S*Q/C@?$;$V>@8>%FV!@1"O)A"&,*\FI@`PKR9&`)A M=B8FA%/@@RGP9;GX>@KC`(Z`P0A81L"&AT[!!7)A):9H,#Z)PZ@['XG;=G"1 MVRT*B=OI.,]'?.H]SH,AYX'AO)/O4#H/-"7WR440:#L&M.L%&8;)D&&B&\:= M/4GD7B":3!"XK@OKA$,ZH:$#IN`M'*<3#>E$AHX'Z:PB70?A/IUX2""7P5W(:.'8W#+;12H MW7-!%(.)V':!Q(U""/AJ`#T<>QCUV8??#G?[1G?#H-A:@:08(@21GHV%X#9X MU_(-+;"+K17HWG8\Y$6D1VRP8R*C9>(8$ELBO<$`H:A':K`](;T_(;@_+9#>H/Y[$1-5E#HH1-U5=K0S44[+4W-NKZP] MNQ:U>#=JH^VWP;,GSE2=\06:K.0)_Q%F/KTD)_HC*4]I45D?K.9GMN9T=62L MIMR=^\17Z\R_:MJ;C!YK\3<4RRG/^?*F9I?[9TO[[33_!U!+`P04````"``= MA]U&D@NC,$H&``!*)@``&0```'AL+W=O]L?N>OG8]T]7JU5W^]@OIX=5]W1JZKMSH<-^!<:$U:'>'9>;]?G:U]-FW3[W^]VQ^7I: M=,^'0WWZ;]OLVY?KI5U>+GS;/3SVXX759KUZ+7>W.S3';M<>%Z?F_GKYQ5Y5 M$4?)6?'WKGGIDO\7H_F;MOT^?OGS[GII1@_-OKGMQRKJX>-'4S7[_5C3T/*_ MO;PZ7(^T\G9^;Y^J_MZLSZU+XO3-!A/]3CF]@J'GKM==.>+IZF[ACOKAJL_-L[; M]>K'6-&L@;-FFVK>%*NA]M`:J(BBY%M`K@6<;@+)30!?@>,J M<%,%CE2`U&28;F/2'*=>,`!H.%F5RDH'B+P;K[CQQ(VCS?C)C:=N.$V5:@QO M(R@V`K'A61LA:>*3M2ZR1HC*Q2B,4%3,Q,0,!M9+)%UB;<%:KE)94;H@1'2A MF"E(S_!NBM2-+8$?HE15&BGV2\5+2;RP_;\MDU;0E*R35`/@>2,C%T4GXX^) ME8*U,HO>!V7JA$@^02',(,MB[>(E95;DI]"LF8=HF-"6MV-)P$0A7BR+P(L= M(%W#CL!V%EU"QEG/QPS5&80@S"?+,O-BB4`SL$.QG4534\X*'819H:/QUQ(` M![:=K759L*$R;[QD2$.P)0P.[$!L+8&P16=9%%1$5Q8.I?'2:&P)CH,T*5B& MSLNDC20*)1<:^2Q%'_+]DE+-^\ASF*I*:5&P&OPLI9\PSU.T\?`C$F&I!(U] M0-G'+Y9`P,:SNJ(B-%%PH]$/4OH)JR58,D@@N"&J$(2Y!!K\@,)/L)-"#:WA MEP:JBDZ8!:"!#^AND5\Q@3`->1!#%OA``Q_0G2>_9H)CHY-8X274B`8\2($G M+)B0<@Q1ZA6B*D,AN-%@!Q1V3JA"@QUDP0XTV$$.[(!L]$PT/.VH#&R0!DG# M'>3@#DIBB'>3P3O4>($N1)U$0UI\U*:E&#"ZII[:5;:%Y;`A^_[V3#/E@PI$$&:WA;!_>"=S*.0KJ)$/9D2L)QDAJZF(1H@4K\'$0T;(>J`, MY8.%JBRB,-I>RQD]?ARYGF2#T5C^4<,[673"^NPUS'F*.<$0V;+9*"S01%84 M((6R^L:"LHY?H#W9V`F/H8E(S*F]QCM/><>OT?YCWA&)O$9[#7D^19ZP1GNR M8P,3A$E%7EQ$*4_R&O<\V=<%:2IHX/-9X`L:^$(.^$)*-%\XH5>HS%OI:6_0 MP!=RP!?()HE/'D,&^((&OI`#OD"0%OBGTQ5502EMR8(&OI`!OI`2S9$RCU^O(WQL MA)=0(QKL8@J[]XOU?`HDHC8Z\QD0(OIU=%;)$9U#U5-AYS>JMFLG^J'YJ_Z]+`[=HN;MN_;P_FTSWW;]LW@ MSGP>^NNQJ>]>O^R;^W[\-XX=.1UUFK[T[=/EY-;K\;'-_U!+`P04````"``= MA]U&/ZNS@5@"```)"```&0```'AL+W=OW=!.P M.>?^\T/<3K\?MX);%-/?"RH)>1-<.Y(4Y_-+WF/W;D8[>MF[@WB=>VW,C MU(17%M[B.[8]&7A+!X>1T]9]#C95KA23X$]+;MRX=Q3[@=(W-?AUW+J^0B`= MJ85*P/)R)7O2=2I(%GZ?,S]+*J-Y?T__,:U6TA\P)WO:_6V/HI&PONL7,FU$A04N"T9O#M,O;\3J/Q)LD-SJVN'3)-/[*[>" MR]EKB9*L\*XJ:-:$DV9G:H)%XDI@+!KQX.L3CS%<[< MXDS`CRK_FG/^I/*O7_S\.<$9&M,S3LR>L//4>KA3T\L@U/ECS"[=[3E4)^[# M_$YV/=VD/F/*8L1G\ANS&ULC9E-;^,V$(;_BN![U^+,4"(#Q\#& M1=$>"BSVT)X56XF-M2Q74M;;?U]].IPM.>$EMN27G)%4E9?V5%^2IGQY7'U6#SL]2D;%7Z?RUCK?D\'\2[WW=!%T7]\+W?E^3STU$?^9^[T/>;0T/V^]/[;.-S>_G/1EKOZ_/?IT!U[ MM^DJ.90OQ=NY^UK??B_G,>BAPWU];L>_R?ZM[>IJ:;)*JN+']'FZC)^WZ1>3 MSLW\#6!N`/<&*A,;X-P`WQO0.-+)V3BN7XNNV&Z:^I8TT\.X%L,S5P_89VZ? MM./-9DI7/[*VO_M]2WF^67\?.IHU,&J>7(VZ*]9][_<0X`LQ-P>G.?@"[)C" M^B.@+P).@T!W$!K\'9"O`YHZ()8%PTUFTS`FS674_*)SGV;'-$"8^ZUHP8IF M5BP/HRLUD[IA5:KVJ'5,!HO:;R04S M.3.CO&9R=\R&K#=_.U>%!M#XS1C!C&%33GO-&)891;G7#%/U2S`P?:U@QK+, M@->,=<+DBLBKVKDJ8TD%S`Q\#+H9?G3L^"?G+%HFA*/B@;SL6@(Q>!GR!U). MH'Y!98%`7H(M@8`%\C[MW2R:`J6!*%Z*+5$8QDSFCX(14234*<8ZXY^3BN*> MC@0RQ4AFC#^0CGLZ$J04IY0?F2J3\+VXX93*(91@"5.*<51R&H7)`!"3)D&G&T!\,-/U9P*S5Z) M@!!3J8&+-@"P`4-,EBH(;$4@$1!BJC4P40GBG,10B0\2`"&F8`,;ER`FRS,; MF,TH`1!C2C:,*]E0`AO&E&P85[*A!"R,*=DPHF1#J63#F)(-(THVE+B',24; MQI5L*$$-8THVC"O94"(6,F)E@36$7L@L__/G,?L)2EA`$[&?(%OP@<*1BU1& MH:1(5$`;L:6@N]S#A2.3(:6A?_Y)H@*E$?L*,2IDJ7^E<97"4&5-$CQ(1>PK MY,(#,DK]^RZ3*:-"&QU)D"&(V%<(6((R?Y7&56"SP`PB"4>$$?L*N3A"BX$9 MQ&0:E`E4)B2^5W/)I=(`D\C+I'F=DXY9YR31AK*(=4Z9E](L):PXHE"M1E)M M1'G$(J?\8R^NQ&H,O)LT)B]<%9PR6L*>5M*JGM].:R6F9GX_S57_GS5KY_"@*IO7\5"E M3?;UVZ4;WM8[=^\'-Y]A.'SXZ?Z3>MA-QR_OW6PWU^*U_+-H7D^7-GFNNZZN MQG.(E[KNRMY>^JG/VK$L#O>+<_G2#5_S(9W3(&ULC9?;;IM`$(9?!?$`@9D%%B+;4N.J:B\J1;EHKXF]ME&`=0''Z=N7 MH[MCS:YR$T[_S+>F\U*7[JRJ-5SX[67JLJ; MOT^JU->U#_YRXZ4XGKKA1K!9!;>X?5&INBUT[37JL/:_P.,6DT$R*GX5ZMH: MY]ZP^%>MWX:+'_NU'PYK4*7:=4.*O#^\JZTJRR%33_XS)_W/'`+-\R7[M['< M?OFO>:NVNOQ=[+M3O]K0]_;JD%_*[D5?OZNYAGA(N--E._[U=I>VT]42XGM5 M_C$=BWH\7J+.9VM57UO9WWS=1%JV"]R'1K,%1\V1JD%-LB2*[28)^`;=5 M(+<*,:T"S?A0\`D$ER":$@A21DP7F4QE3)IZU,2QL%`B!R4BE(2E1)^BQ`Y* M3"B24B;-$]6D/"1Q0!*2(&-+28Q2((E2X#'2@9$&)@Y#%B/O,):6I0Y,2C#` MMHQJD(=D#DA&$@BVELRH!:4$2\L&?[%RAH<&*&)!LV@A"6-T*8D=_H4$A!2S M?;L3)18..]X+!TD*R5>$YN2@N1Q*1)Q`I#21G)Y`42$E/&](R(( M+1R7&T!,4@!?46S.4(@H;"B7)X!I"H*W-R"F$`*DK-ENB2[-HL0V"2[W`&(? M@'R/J`):)2XV*$A%)"\AE(4`\!/CW%)@FDD2QI2)T>0@2#X&$ M[=R=R%(0NAP$B3D`/V^S:'DGVL8-71:"Q$*`?V$AL1`I+>]%=#D($@?!D.\< M%5G^M]'E'VA:@^`M$M%>.R#`$]NBM@CMV]<'F6K)2J-^15WGX6)UYWO^Q%4^6R>VP. M?GMJ>+X;C*K2IT$0^U5>U+/E8FC[WBP7XBS+HN;?&Z\]5U7>_%WQ4ESN9F0V M-?PH#D?9-_C+A7^UVQ45K]M"U%[#]W>S>S)_H5&/#,3/@E]:[;O7BW\5XJU_ M6._N9D&O@9=\*WL7>??QSA]X6?:>NIY_*Z?_^^P-]>^3]Z]MQ*44TF,Z_*_XR?13U\7L9? MTD"9X094&="K`256@U`9A*X&3!DP5X-(&42N!K$RB%T-$F60N!JDRB!U-9JT.=\S%S@;')--KDQ\<=9,LRQQUSFRT4C+EXS+HQ3WJ\_,N^L.N=>.[0V MX]SMIEG;M;XO(\H6_GOO23%T8%8ZPVB&,6N=(5?"[R1<=5!4A^J#`AT1UL<# M9&*,>81,@C%?()-BS!-DT)B_`B8,,.89,@0=.X?8-PYZ7F!?%,]"B&8A'&=# MJ&F#Z/"`W\RD>`I0;JJYNS9X`EI@C6.D9BD[<-P`*3MQ<="RD(`:0QLJ4QTM(8QF@6(R"' MD#3ZH"@:QU0GTXS%IHROG5UNK"Y!F+$MS!BLF!!V-3(KR#",69L8H"2Q*4G` MRL-'/-&'AV3TXQ10`ZZ#64`STWB[.MS8'((84UN,*1BE"!UMR,3H:)L8H"2S M*",,-5$?/P3'ITA%KUX$>#20_8UQA>'!6D@C>7`X+O?U-7(>B*H!-#0:JK M8=$8UI>=A+JLNRIA0!?%4Z)7?AKB.0&[@Z%0$>O60"*@!>UG34"!-G1C+.U3)RN2@@)O.%H1:]4BH&PQO(#> M0'@%-4+PP&XM7E0O7H8S`M5+$DT"\G$K4EO6#9DPXR'!P:>J"7:?,%1K1:3@ M#'DN]E_S7IY_9X#38^2'&:;O6N M5XO+?U!+`P04````"``=A]U&$]O-X'L$``"!%P``&0```'AL+W=OMY^O$$I72F-+H#M/]._TJD/6\B+YOGQ:EM+T]Q MW.Q.ILB:K]7%E-V50U476=L=UL>XN=0FVP]!11XS0F1<9.=RL5H.Y[[7JV5U M;?-S:;[747,MBJS^=VWRZO:\H(O[B1_GXZGM3\2K9?R(VY\+4S;GJHQJ M?*-/KV*0#(J_S^;66+^CWOQ;5?WL#_[_JAN?YAI#$F? M<%?ES?`9[:Y-6Q7WD$549+_'[W,Y?-_&*YI,87@`FP+8(X!I;P"?`O@C@`IO M@)@"1&A`,@4DH0%R"I"S@'@LUE#J3=9FJV5=W:)Z[(]+UKQN]]HDG#!LV+K6&88@,4*2;9VA(A4B[)L(H11J!:B4HW1;H*(DU2DF>X6R5#.* MCTQ[1J9!D24Z-&U/`Z45164;#:8!ZT:'VTD]=E++#D]1-ZG=?(G"O=BBA%!' M8?K_(Z>5_J)5&D<#4Q2Y$Z0H#:$413EW=\$".#6)QN%2EA!&T"D)=90RYK+D M(R?E`:R:B30*JYG(\3=`?=RDPC,U[^41LXF"3J<-E'&.3^'M3"92Z;#MHRP% MF)6NQX#B\=Y<,JBY?%BC*J2Y;,RD7&E';RE`"9ZZGJ:/1E2'M!8028JW%A0Q MAQD?BV@:T%HV:+XD'/V_W$`5)QIO+*`2E@JNBGS08@!:TD%@YH,6"X(6\T&+ MA4"+`1AI*02^CH"Z5&MG87S08B'0@B(IT,Z:B1RK">:#%@N`%H/0(O/%]KTZ M4*8YNCK90AEGJ:N&/F@Q""T']Y@/6BP(6LP'+18"+6;3**%$X<6;J5QV?,AB M(!BGM!-8K60$2%H_W`VLJQ MR``BREW3R<#P`>!\!SM2<0:4RSA1KF MJ+#XS+S>J2"/X,\A*./N.T/T_^N]!J)$S==]L;556)CZ..SJ-M&NNI9MW_+6 MVLJ/Y*ZN/Y[*)WJJVK8IA1_)0 M5:WIG).OW5P]F6S_.,C-H>U_JIX(XP[Q>-!6E_N&]V/7??4?4$L#!!0````( M`!V'W484?EPLJPD``.9!```9````>&PO=V]R:W-H965T[]9CS>/KZVR_GV ME_5[N^K^\KS>+.>[[M?-RWC[OFGG3X=!R\585Y4?+^=OJZN[V\-GOV_N;M M_?C1?FT7BSU3=^6_>]*?U]P/S/]_8I\>W.W,_S[?ME_7B_^^/>U>.VNKJ]%3 M^SS_6.S^6'\^M+T/!PL?UXOMX=_1X\=VMUZ>AER-EO-_CC_?5H>?G\>_Q*H? M1@_0_0!]'G"^#CW`]`/,SP%6'&#[`;9T@.L'N-(!OA_@2P>$?D`H'1#[`;%T M0-T/J'\.\.*`_9P?9ZXJO88Z3[:Z&#(^1LDAQK[-=_.[V\WZ<[0Y+HSW^7[] MJ9MN5$<^VAX^W1QCMPNS;??ICSL7[.WXQYZIQ^@#9I)CK*XI3)-CU!DQ[DPX MVZ%)._IKZ&R\IJ[P58.ECL)\RS&&0MPCBZ8L24!2"O:X!QDZDC;&R1[0V9O;:EYG(3$IZ,P*\Y1BFG M*-"W'!24H3RZ!\SEA!]YICGFVE0DZ+<P!B**A9^OB:O1,)$!930;A M#*F,#O2$16G"HK`='"\SB7FLV\L]]`B:1G&A][Z7,*42IEEDMPQPO990_9$K1TOZK/!2[M5J3]VD*.!/KFO:O*>1+$A_Z M2"=A)Q\A98GTNNU!O4W>>UH_IH`S/G1Z1OM8QI= MXLHI@A"OQ7.B;J&L:=8W.7;2&*]'Y*("PUF#Y^*<5M(^T="@I%RB MH47YT\,EZ;T&]:LB!7H`D*5!30E38IG0+5%'-9:;S(:4*R03R3F$.Z,QHH0: MK!#IW`HB)JJ:$*94PS0#$QJ<1)GS_Z:(*_%*]A>HN&OI@ M'U!&U_1^7L25>"YT351-BS4@/>4V5T0ZF0!(_E09;1%%TV+-1F<3%BHMYI`8 M0$SH65'$;"YB3#9AX)@Y4?MDI/6_M5;K$TN7QTW*]R1#'! MU11QI2*N&:"$0!5URJ).T5F%!65AL@H`*3;F"Z@23X6>B0IE4:'HO,+F8G'9 MQ'!RS,/28"9VF"BQ1.B5J$L6=8G.*RQH2>SDF4Z8$%='53&;0QE?DOC01U&? M+)ZO,JLRXAK1ACZHN,#51M&':(5\2>)#'\5JTV*U2><7%LYC/?-T$U`QT#'1 M%'$EG@M[.$1==U"^>J8J<+2`]OF%PW8J9G-WHO"YX6KQWM&2EB<7PY!F&)(8 M"+HC:J?#`I"QQ`Q;0D/0$E$U'99L]*;A[+`EH'.6FV11P%PN8$Q&X4!T:,T% MS#5OC*@Y;O@9W,3Y06.F@&$F>I@F#=/,&`CZ+"J20T6B,P@7"IP.PTX/TR2& M!CT2]<>A_M"9@XM#UDZ'(BT@Z1_"#1>1T&-(,0Q(#07]$ M/?90B'JF7O%B?ZTO:K#UHGSYX:+OWH,T!::A$%`F./H96!%7XKG0-5$-/99S MS&3G4F?H1Z$0#67Q'FY.;:H.S97H$B?1B<`V[0I3>`N`!K2JA2$=4,4$*LBK+D2_H[/10D='TZ!5!M MF3@K8$HL$W98BY(42OH[`YQ%TMT?@`F>CM@"HL02H5>B&(62KLV0:T07/$RF M!S#M:ZX3NX@M"6SHGRA.H:1C,^1%G'>:?M0Y!9A6-=T>WI2Q)8$-_1.KQU#2 MK1GRTM`9INT8416SW11Q)9X+?1,%/4`]&KCYIY6S3RP"*">76`11[X)4_O7O M[@20.PKR`!!-/\N0:$ZWEJ%!A^2W14H:+P,\DPK,(H6C06Z61;D,)6V7`3HJ M:5/PW03&%%&Z0D'/9:A+;@LV9C+W)8IZ$PL:+B.H!+UK`8:.N@*:)-'T;XH! MA(O,*,I1+&FRC*K`:S7L]3!-8FC0(U&`8DEK91P\:)P.0YIA2&(@Z(\H.+&D MI3+FV[]EFG4`U.7DM$\%3(EE0K]$L8DE;931EO@%=:&AGTN4,"66"?T22\>( MI:.G5NXD.CYR^K?U`$*^&-@,LR2&Y>C/.'LU>]EN7@Y?'[`=/:X_5KN]H&>? MGK^BX%>]?[7[XO.)NGE0Q.>-NID=OX#@)_W=[?O\I?W/?//RMMJ.OJ]WN_7R M\/+W\WJ]:SN;JU\ZFU_;^=/YET7[O-O_=Y];;(Y?0W#\9;=^/WVKPOFK'>[^ M!U!+`P04````"``=A]U&RIG4*O`"``"K"P``&0```'AL+W=O1[2H7SMRIK/G;W0AQ&GL?7>UKE_($= M:"W_V;*FRH5\;'8>/S0TW[2DJO2P[\=>E1>U.\G:M;=FDK&C*(N:OC4./U95 MWOR;TI*=QBYRSPOOQ6XOU((WR;R>MRDJ6O."U4Y#MV/W$8U61"%:P*^"GKAQ M[RCO'XQ]JH?%9NSZR@(MZ5HHA5Q>ONB,EJ42DH'_=)J7D(IHWI_57]ILI?N/ MG-,9*W\7&[&79GW7V=!M?BS%.SO-:9="I`37K.3MK[,^SWI?XC?T6`"[@BX)_1Q8$+0$8(+(;Q+"#M".)00=81H*"'N"/%00M(1DJ$$ MTA'(4$+:$=(+(;Y+4#77E?.'QD!]L=$5Q=-=TO;84R[R2=:PD]/HKHH3ZZW7D+J%)#@((-#3$Q/P(?!+V:H,@'7<\M(1)".M ME86*4C^`/9-[GLFW;X0I,<*$X?5KM&M4,N"L+X8H+8%F1%O,GVI-.KEPH M:[&00W;U>,\(/H]!;>-!WX^\%M>=FV?CW"O+,WH33=V15^;P6]MB]N^%-'0X MNL"=)][J:R74A)=GWB/N7+>DXS7M'$8N1_<9'`J0*,B(^%V3@1M]1XD_4?JN M!C_/1]=7&DA#2J$HL&SNI"!-HYCDG_].I)__5(%F?V;_/J8KY9\P)P5M_M1G M44FUONNB6:P^P! M<`J`CP`0;@8$4T#P)<#3RL:\OF&!\XS1P6%Z,WJL]AP<`NETA*86%-L)T(8;:(\;T8:":,L-I-V( MC$2#*`IMH,($P<`'=BGQAI38E!*MY))LF)'L,2/=4)#N,",U=]U'@=4,$P1A MN")%'1VK6M2B84>P0F$MV,D/`/88`JS5-JN`.RR90%.Z"8BMGBQ0L0_#%3E; MM0L6Q1LE*Q36DIM-"7>98BVZ607:8PHRSY#("BH6H#1=V^2M`@:+"HY7Z@Y8 M"V^V)-YEB;7T9A7)CE-U`NEL?>N9NH!\S<4S[JL>7\DOS*YUQYT3%?+J&^^I M"Z6"2"+_23I;R2?)8]"0BU#=6%FO+VD]$+2?WQR/AT_^'U!+`P04````"``= MA]U&ST+E@(`%``#H(P``&0```'AL+W=OR[%<_Z^KU^=SN6W=M6]UW71 M_ONUK)KK\UJLES>^G]Z._?A&MMUD]W&'4UV>NU-S7K7EZ_/Z%_&T"VJ4W!1_ MG/SK?'Z_2)S^=AZ0%R'B#O`X0F!ZAY@/HT()LJNZWK MUZ(OMINVN:[:Z<>X%.-O+I[4X-Q^U=W>;">[AI5UP[L?6Q/D)OL8)YHU\J;Y M&FN2BAU0A+LD&PJX5R%35:BI"@FJ4.D)5&H"/4V@P`0:%FFG94R:\TVCO1+1 M]T2R72Q3/@1CT^5HHAP=EV/S]`2&,,1P#+%$!98RQ$R&V&BE0;O`M57B.*?[Q,9*6P$*H M``N88*S')%.W-)F<8X=,IFZN0@J&';.(L@.1P$*H[$J078NM)9FZQ0[%LH-J M\329O,<:RC*$:GG0<8QPP1BB- M'"Q0I[W!5D4E67I@#.9M,H.+,8%CC*(ZG\H9QLRB9<$A;0M0.8%AIZ+RK`0P M12)34.BJ>.Q*PBM)KXLI,9=**],A`BHK)+8B*M5*`U.P%5'XJEC\JJC^IS@$ MJ^S#4RTB@850658.V*&1*2A\52Q^553_4QR"5>&Q'6D)O+*A$JQ!@BUV<42Q MJV:QJZ;ZG^:PJX[!U.0N?7WS68690B58*W",(%YI#L/HQP2(26`B58!V`'<@U@:$(UK`(UE`= MSW`(UCPF6$0""Z$2;"2P`[F^,13!&A;!&JK7&0[!&OW8CK0$%D)EUT!N16#& M4-QJ6-QJJ%YG.-QJW&,[TA)8")5:`U)KL:.#HE7#HE5+]3K+H54+.#2/KTW! M-EHLDS8HA,`ME5X+>%4@SEJ*5RV+5RW5[2R'5RT@4:D%8@O`VMPJY*>V5(HM M(%:!.4L1J^7MN));KJP]UQA'16Y-VA6@DMB6J:6R;`&W"N1*P%+<:EG<:JFN M9SG<:F,H=4(@IH"MUX!MB3DJT2X'IB`K4*Q`KG$\1;&>1;&>ZG^>0[$^1E3E5?I?%T`E%;9/Z*D\>Y!G MATU!L:QGL:RG^I_GL*R/056KI&@'1`(C%$]EVH/=5X&<63S%LY[%LX'J?H'# MLR%G6`)$0B'K"52:`V19Q-5`L6Q@L6R@.F#@W#D0%-Y[YKL&@.3S$9]%]V1< MBK?RSZ)].YV[U4O3]TU]NQ?CM6GZ&PO M=V]R:W-H965T]%>*[$2&RM;KJ3$V[>O9,E9CC$SYHU_Y$/R$\5S3(U6YZ;]T>VJJE_\ M/-3'[G&YZ_O30Y9U+[OJ4'9?FE-U''YY;=I#V0]?V[>L.[55N;TT.M09Y+G+ M#N7^N%RO+L>^M>M5\][7^V/UK5UT[X=#V?[W5-7-^7&IEM<#W_=ONWX\D*U7 MV6>[[?Y0';M]OC\JMZV%@W2BZ*O_?5N8L^+T;XYZ;Y,7[Y<_NXS$>& MJJY>^K&+N[XY7)LL%X?RY_2^/U[>S],O M/I^;T0U@;@"?#901&^BY@;YID$UDE_/ZK>S+]:IMSHMVNABGR MZ"X'VVFZAC/KAJ,?:Z?"*OL8.YHU<-$\Q1J@%!ND^-5)-@!\4@!%H2<*B-K; MD-,=:*H#,W6@X].`'$.ZZ30FS?&B44X92K2)1=J#IE&,@&(0BL*CV`G%Q"BZ M($4;+%(,BA50+$(!$L5&HUAO-8D2BWSPGD9Q`HI#*.0H3RX>Q6M/HL0B9108 MFJ406`K$8DB6(AK&%$9;2]+$,EU8KX'&\0*.1XN?QO$QCMS(F-IAE!*,O0\*;-HGA5'SMP&B<`PRT61Z72% M@01+SZ)I'))W@R2>N42;"UBH/,Y(RO MD0J&IY*1=76X3W*X%#,JI#@\W#=5+#&:,I[V-U*!\]R%DM(/=(*_ M([1LF&L4BR`PFSV0<@]" MBL,#FIN<5&V0:MCN,2M82]FG\P2'ZQQ=!,;A2%5HQ?Q=:BG_M$IPN$;YY\$Y M>C>,=2$O/&,I+66@A@2/:Y2!?KB1HN_IL"YXE7,73;S;U+!&_KXCX(+<$@4N)I MG^)J?Q^$EF`0*>UT2/%SG&,V+^CLO54Q.$9*.Y,G>-GD*3BW*@Y'2CNCD(^9 M&T(C5C;TV35\-7>5?AO/:5>7V\TM=O?;CQV(\\>FYX/2E;T[7 MQYR?SUK7_P-02P,$%`````@`'8?=1K0\Q)H2!@``S2(``!D```!X;"]W;W)K M&ULC9K1(#!JM;+=LI0M6`:VOW8:NF MYF'WV4FPDLW^_&`RCF^I6>`G!7,G7+>ET6_;\O=W_Z)Z;II_\VFYV MW>WTN>]?;F:S[OZYV=;=E_:EV1U^>6SWV[H_?-T_S;J7?5,_'!MM-S/*LC#; MUNO==#$_'ONV7\S;UWZSWC7?]I/N=;NM]_\MFTW[?CMUT_.![^NGYWXX,%O, M9Y=V#^MML^O6[6ZR;QYOIU_=316R07)4_+-NWKOH_\E@_JYM?PQ?_GJXG6:# MAV;3W/=#%_7AXZU9-9O-T-/AS#_'3G^?#VVPZ>6@>Z]=-_[U]_[,9KT&&#N_;37?\.[E_[?IV>VXRG6SK7Z?/]>[X M^7[ZIZF&2N!M_"/7]I#L>W)_B>PA%=SCZM@@D\]G;T-&HH:-F&6O<13$[]'XY M!6FG&)M3U)RT$ZQ`46J2*I;X4.HN6'/!IPMEN-"@=^"U#ORI`P\=Y.@RG"[U MI-D=-2)!TZQBC0ML!%023@2<%'@6.3D1.(LXTE2K6$4D&>EF0L),`#.E:B;$ M9G)7BFHF5A%S=&%@)D^8R6,SG*EF\MB,SUF/3*PB*3+1QK**59RQ&(-9)"P7 M8-FIEHOH-#ZHFE6L"2'7-%6L*:+%#F;+A-DR,BN2ZQT,M#67X?#CY^O0J<@: M33A@ECY^RU$T#F`N^BB#*K"!%:?2[>R&P`WK;@@F2J8.SPI41` M.?:Z&X[G$QG+$512L&4GQ4P'T&3U1$L7$]&+U^L*548$*U21,]:_2P'6(6&-"`)BC;D. M&G5U5J#Q%FU2<'5(5SU5NAB+XD15K5!%I9I<*E1QL!9-"K*N!--Z2AU%8_PR M=:&O4.2-*,`WENCYH@*-D;DH155"JNJI@$I<"'IE!"IQZO*N0&3, M34Y1E:%2-M+`*!KG@YX%0*.G+4."9E,U.BK@F*JY48N# MR!?."DX*O8SEKYX).%SC)A9)1M;D2\&7`;Y&(F#@JGYCP+AQ8)"*4UAEQ*J> M"!B8&7)CVL2JO#1N#$!5%L$RG<(K(UZ-`,9,+-3UL`(-Z2-1H8@-PSZ%5X]X MU?.!_Q2=*Y!P6>HA!E5@:Z/-IQCK<=]#3PC>?>XXEG@]>X'&6??^/E6/^YCG M$JP=U]2>K;]NTS:Y:^NO6$S>?QXT#\-L1`WK:#8RJ4]1VLL5"\G+YX8_E50@ M$6N,4Q#W`<;8*"*]2M[S&.=7C7$*F!Z!J:=]#YNHL5>(6JQB;^SG^A0)/9)0 MS_H^!I@/QO8DJBQH2`IS@IC3D[[$=,H+/30@\B%XPTT*88((TY.^N&O&U2^9&L!IQ`K M6"?K65]PBT*W#,_7/FZYC@^T4"363$Z5TA(#77)KG%2@CSE!`.A63I`4A04I MK.<$T>_1(6JP(Z`;"2D`!P0P:V%?AD2=.3XV!LE'([/HH?^VV3\=WY[H)O?M MZZX?'J%'1R]O:'REX:6!#\>7[J8ZO6?QNYO%_*5^:OZN]T_K73>Y:_N^W1[? M'WALV[XY>,N^'(+UW-0/ER^;YK$?_LV'*)[>MCA]Z=N7\\LCES=8%O\#4$L# M!!0````(`!V'W4;UI7]A)@,``,4.```9````>&PO=V]R:W-H965T^\QG'O"K:YD>J,GC%GP,?0CW80GQLZ/441W)SRT](&<$GB?<[N>@H8]@'&?1T'9C6%?SVLM45^3"^F[$+U-`+\/03O^> M<4^NFQ"$Z$K=SPQL1#5572+VW<#'FE'QF#"ATWX!!X;F`O(C/C=X2M5S@-! M?DO(F[CXN=^$L>"`>[QC(D7+#^^XP7TO,O'*?V72SYHB4#U?LW^?M\OI;UN* M&]+_Z?;LQ-G&8;#'A_;2LU=R_8'E'I!(N",]G7^#W84R,JPA83"T'\NQ&^?C M=;E3Q#+,'`!E`+P%@,P9D,B`Y#,@G7>Z,)OW]:UE;5U-Y!I,R\LXM^*=@\>$ M/[E=0.?%:7E4K[[761I7T;M()#%PQCRK&'!#1#S[K00TE9#A4`F'I@*- MABC-%1)3A6391*)MPD(Q-25(EP2IEN".)%JVL6#&&9.:$(V*2,PDD(,$TD@D M>HEL(8&4$B`K@0G4:"!46IY'YJ"2:512(Y7,AXH&0D5FII([J.0*%81R_E(<$29$:,8V&R5/+$P5&TUBY M``]]2)";BXHI,AL7H[NL7*#&!>EU4LE%!:$,FD#-72:+5H'1B%8RNA/E9C*) M#QD]4V$AXS(UD&IU+(X$C)8D>P<@G^8!+BL!F4?[@.S+_M$@L86(RTA`[M-` MN2;(V*S:W(.*T9)6*H5/_Q0^5`H/*BYS`Z5/^^@@RS\T=-D7C#TZXPYDJ^.R M)@@TT5OZ!AH=18H>0A_10Y@BEZ#V(BX/`"F'J*'ZH=+7A1& MI6F@0M&L3L;U@0.1A^PA\B&C@8!-*"Y?@IF'\'40BHU6?0>RO2:7-\'P)BNGB;OV93VS+?/69IJ[.[1'_ M:J=C-])@2QB?7>9!XT`(PYQ=_,#?VXG/E+>+'A^8.,V%X)&PO=V]R:W-H965T MU?D#$E)@6-@8Z-H#P46>VC/BLW$ MQDJ6*RGQ]M]7GUY.3$YTB6/Y)>?ED'PXDM;7JO[1'*UMHY]E<6X>5\>VO3S$ M<;,_VC)OOE07>^Y^>:GJ,F^[K_5KW%QJFQ^&1F41@Q`F+O/3>;59#]>^U9MU M]=86I[/]5D?-6UGF]7]/MJBNCRNYFB]\/[T>V_Y"O%G'MW:'4VG/S:DZ1[5] M>5Q]E0\[I7O)H/C[9*^-\W_4FW^NJA_]ES\/CRO1>["%W;=]%WGW\6ZWMBCZ MGKK(_TZ=_HK9-W3_GWO_?1AN9_\Y;^RV*OXY'=ICYU:LHH-]R=^*]GMU_<-. M8Q@<[JNB&?Y&^[>FK)?%!=JO=1,URLQ_QVJ6BZJ^\; MHV$=O_<=31H8-$^N1MX4<=?[+03X0DS-P6FN0?M";*DF\VEV1(/@-X(^(SB. M%=VQJL!(E*\#-7:@2+*0NC3C:$?->=`(?PC-A-#$HS^$=D)(DTDAA$^W)3I- M=<2080P98NC#`M&C(>,$4C[%UE6@WT3"F$A(XI4W*XD;0A@A0FDA0@P+=T28 M*"HDWE/&>TJ\:V\"4R>23KE(&1,IN\Q'#3?_^BX1Z_[230E2IN0>:*3!N^WR&2>"`%E>(](+T5G\Q2CQKM` M)]$8R[?L9O.N+@DO3Z)#8!:-].)Y]@[$>^)//'R.->EE[QR%P%>G_@RA$^4W MQ0Z)X[2DH/YPG*@I&!&94!P.UM*E=0=8_Z!<#*>8Z>"\$UZ#UEEX]!RQ)4&V MD?X)=8F<`K,:76'&3@E'<$D0;OSGB'2).U(P8(K"GC/%H5D2-IL`J(U)#!I MX@B(Y)[;J0UI%^Q-]Z*[;N0X@VK!QD(7(@I#ZX?($I6$\\(!!_6"S87ZT\U% M)*$G&ERMAV;!YD)#%H.Z7S5S+.NQJM*`G5P@HPO4%Y2''B47+"[%.%) MFH96$-&E*HP=Q6%'P8+MI<"[=]QY(I)0;KBR2^&"[:7<:DJCYZG$G!PB%")\ M4BCV*:1:L+T4*;N"3WF(+#',?'$X5$ON@Q6Y#S;!$Y[HL@SO+<7.(^[2UJ_# MNX(FVE=OY[9_6NQJ M;:MR>%K^4E6M[0R*+YW!H\T/MR^%?6G[?Y,^J>.[A?%+6UWF5R6W]S6;_P%0 M2P,$%`````@`'8?=1DYUQ@%T`@``&0D``!D```!X;"]W;W)K&ULC5;1CIP@%/T5XWM7$16=."9=FZ9]:++9A_:9F6%&LRH6F''[ M]P7%69F@ZXL*GGLX]P`7LIZR-UX2(ISWIF[YWBV%Z':>QX\E:3!_HAUIY9\S M90T6LLDN'N\8P:15VUY(4Y_-HTF/U[)C7M M]RYPIX[7ZE(*U>'EF7>/.U4-:7E%6X>1\][]"G8%0`HR('Y7I.>S;T>)/U#Z MIAH_3WO75QI(38Y"46#YNI&"U+5BDB/_U:0?8ZK`^??$_GU(5\H_8$X*6O^I M3J*4:GW7.9$SOM;BE?8_B,XA4H1'6O/AZ1RO7-!F"G&=!K^/[ZH=WOWX)_%U MF#T@T`'!/0"$JP%0!\"'`&]4-N3U#0N<9XSV#ALGH\-JSL$.2N>.#A\ZV6B7 MS(S+WEL>QVGFW121Q@0#YGF."6R(PD!\D'A2P%U%8%,!1Q7!7`7R[0301A". M!-`@`*;(>$QCQ+0#!@(_0394,4<%*%S*)EP1$QIB'AR+1C'A;)@O0>@#*ZPP M8""-T@4YT8JJ)^?FP&LNU^+`&"#'1JD<_7# MQRJA'3%@"00+*Q58Z\"DQRP$\0*%M1),KL!-KJSM7Q!N<66^-1,_#NVFS%$H M@&!!SMK^!>8&1@L4UGTWF1)O,L6Z\R85:$.)U2"]5`*8IM8::\(`"AXK@3<[ MQ#I\(;\PNU0M=PY4R/-P.+S.E`HBR?PG:4\I[RGW1DW.0GTB-0?CR3TV!.VF MB\C]-I3_!U!+`P04````"``=A]U&AGS5VMP!``"]!```&0```'AL+W=O"@0YM&=: M&BT(%Y6DK/3ORT6694/-1>0,WWNSB,-\%/)#M0`:?3+*U3YHM>YW&*NR!4;4 MD^B!FY-:2$:T,66#52^!5([$*([#,,.,=#PH M@(IQ'T3!U?'>-:VV#ESD>.95'0.N.L&1A'H?O$:[4VH1#O"K@U$M]LCF?A;B MPQH_JGT0VA2`0JFM`C'+!8Y`J14R@?],FK>0EKC<7]6_N6I-]F>BX"CH[Z[2 MK4DV#%`%-1FH?A?C=YA*V%C!4E#EOJ@*9$&5?$I*)D-P(Z9>$="*D#P3L2W&-.!%-BER*$4G_\WIB[TBT2TVK2Z2< M4_K^FE8HX[T4V?8YQQKP4XWB%>UB"G M)23-7M:S2-:R2'RAR3)&])\RTC6!U`ND=YUZR#+SI7H,]YT*-_$:Z'@/6E.B4"D&KFW/%MYY(E]C>TL>_`U$)R MJLU2GK'J)=#3:.(,QV&884[;+BCR,?8FBUQ<-&L[>)-(73BG\N\K,#$<@BBX M!=[;IA=0FK`13XQ-5%Z4%OUD"Q.FG&]MN'`?W9AM.-K\AG@SQ;(B2 MIP8R&(2D%4;T1HR>*$++QBDF>H"0+E.U=D=21)(LBNYU/4CZ0K"C2)Q3I:D-B+T:Z MJ$&2U,NQTD0/0+(G(-D*A'A/)EMN^L9_?.5*E*:;.Q2\^.Y[>H:?5)[;3J&C MT.87&K_W6@@-)E7X8KIJS,TV+QC4VDXWMFOWL[N%%OWMZIKOS^(?4$L#!!0` M```(`!V'W4:!>GFP20,``#T/```9````>&PO=V]R:W-H965TVBTF@6[9I)G`0-X!2A$`^'W\8^R?>W'7[WEV4,L%G737=-KP8FK:OI?3KJM M"].?MN>HN[:J.(Z-ZBIBA"11791-N-N,UU[:W4;?3%4VZJ4-NEM=%^W?O:KT M?1O2<+GP6IXO9K@0[3;1H]VQK%73E;H)6G7:AE_H<\[$@(S$KU+=.^M[,,B_ M:?T^G/PX;D,R.*A*'-!5-WX&AUMG=+TT"8.Z^)R.93,> M[],O*9F;X0W8W(`]&M#8VX#/#?BJ0329C??UM3#%;M/J>]!.#^-:#,^1!]#H9EA([.W&881.2"R!Q+U`@\+AEGPR8(! M"X$7X%B!>"K`08$$2B;3;4Q,,S*"2$XQ*@<49YSA,K%')K9DA("]B,DEMGKA M)$T(1N4VQ6(F*>XB/"["=N&HB[!ZR00A&>H"J)0(ATOB<4ELEP1U2:Q>:)Q* MPE`9@#&9",>4D1X;:=M(U$;:XT\(9>@`YA#C&9&X3>JQ2<$$QG52NQ_.T1', M`<0$P54RCTIF#TR*+J7,7B1,R@1?2P`C&4\2W&:(6V4FC4&)%)>!$/HL<5(`2%)>!$/HL\Q7$'3*^Y*0) M*!'C,A!"GV7NA*",+SBI!"70Z;`'D%B_>189%P1ET-Q6$H(PO-QD%)?`UL(+PD7%"4,:7 MFXR!$NB,VJ\@=*'D*\BQ!I@O-QD')?`UL((D+@,AQ^N-^7*3@;2CCCD#(.:8 M,Q!RO-Z8+S<92#N&O]Y6$)X.*VC]>HNLC&UL MC9C?;ILP%,9?!?$`Q><8@ZF22&VF:;N85/5BNZ:)DZ`"SH`TW=N/OZD=V99O M2C#GG,\VW\\N7EUE\]Z>A.B"SZJLVW5XZKKS8Q2UNY.H\O9!GD7=/SG(ILJ[ M_K8Y1NVY$?E^3*K*"`E)HBHOZG"S&MM>FLU*7KJRJ,5+$[27JLJ;?\^BE-=U M".'2\%H<3]W0$&U6T2UO7U2B;@M9!XTXK,,G>-S&8\@8\;L0UU;Y'0R=?Y/R M?;CYN5^'9.B#*,6N&TKD_>5#;$59#I5ZY;]ST2_-(5']O53_/@ZW[_Y;WHJM M+/\4^^[4]Y:$P5X<\DO9OO')D6VBCZ&0G,,CC'/:@S<(J*^^DT"31)S.BKI:!+8 M:A&968&:%.@T"*H-(C$7B$T%XJE`K!5(]4XFTS"FF'J:!>AE4K,.<^@P38?K M.FS288H.Q8Q99!*'3*+)9$:91)4!GE*S3.J025492HPRJ3IKG-A>#G?(<$T& MC"^'*S+]0@5(36%;/8QFQ#*YF:,[F=:=.T-/,<]J#&.6J1T6&:O*\%"1L94P MHCU3`>"#!1C177J!'F#,0=.L\@3`0C`8$5Z4J`<:<]"DQ!+KQ+I0A]@##E!A MCTEB$W*Q#LP##U!IS[+4XD=PT0Z)!R"@\@Z$<4"+E(MX2#W,?Q<46W1RE-/4Q/4P\5%\24^SB>>ZBX M`*:9C^,U@"T?:2YZ8^+A]YAXJ+CHC<'#ZUH02^\WDTCY"*]$!:BM-X.0)YP_(C_"M^LSOE1_,J;8U&WP9OL.EF-W^T'*3O1]X(\]#-[$OG^ M=E.*0S?\3(&PO=V]R:W-H965TS_S?[P,N1Z7? M3`M@T;L4O3DDK;7#'F-S;D%R\Z0&Z-U,H[3DU@WU!9M!`Z]#D128I"G#DG=] M4I4A]J*K4EVMZ'IXT3ZSQ&$&@])EMP#K]VEM3Z`JQ+/=74GH3>=ZI&& MYI!\SO;'PF>$A)\=C&;11][[2:DW/_A>'Y+46P`!9^L5N&MN\`Q">"$'_CUI M_D/ZPF7_KOXUK-:Y/W$#STK\ZFK;.K-I@FIH^%785S5^@VD)U`N>E3#AB\Y7 M8Y6\ER1(\O?8=GUHQSA3L*ELNX!,!60N(-%X!`6;7[CE5:G5B'388H5AFT=3+#`995F6_L?!BTL[ M\`O\X/K2]0:=E'7W/US61BD+3BQ]'%@U7!_1N:W MK/H+4$L#!!0````(`!V'W4;8XZUSH`(``'X)```9````>&PO=V]R:W-H965T M!X[7'"/V`L9 M\2#>G`CM$1=->O;82#$Z*E/?>:'OIUZ/VL&M2M7W1JN27'G7#OB-.NS:]XC^ MV^&.W+9NX-X[WMOSASRPE@P.Q:>M^QILFD!)E.)WBV_,>'8D M_)Z0#]GX>=RZOF3`'3YP&0*)VR>N<=?)2"+SWRGH(Z^070>N[SA&?T+7C[^3V`T]C2&3``^F8NCJ'*^.DOUMVC80RA! M;2D*2-*8DC@M8(H(HHCT0",S1[`0((8"Q#I`;`1($ALRU2/5DD%#@I+:DOB0 MI+$D(0R:K(`FUI3F=HY$DR9&CO!Y-%I3VYH4TC2V9J&JZ0IL:L$6(&QJ)$F+ M$(0U-4D$PYJ:+%J`S59@,_,3R$#6S,@1Y#!(;8F*")RBQA2%<;SPX^4KN+F! MF^8P;VYDB7R0UI+$(*LER6#28H6T,+^"!,38%68]\@0L6FV+?)C6%$5)D,.\ M(`))Y$.M$W^">S->`<-;8F\!=XP67^SFNNX<^_T+1Z39JYPA&X M@-FJK,C`->_B,I>Q&%H;G3XQ.5C)DNNCP>Z MP4-[U#0B$U_Y[YCTOJ8PZN-; M]N_R<3G^$5*TQ\V?^L0J3NN[S@F=X;5A+WCX@<9G`")AB1LJOYWR2AEN;Q;7 M:>&[NM:=O`[JSLH?;79#.!K"KQJBT1!-AB!>-,2C(?ZJ`8P&\&#PU+/+G2L@ M@WE&\.`05>X>BKF]*A,DA40?C>41Y]RU,09MZ;2#1J0JG9ZQJKHC`4 M:YODH$OBY*[Q..1$&MI((T4:&J21/4%D2Q"K!)&1(#8IE69O:H!-4YB:Q`X2 M+X#$1H+4MLA.UP1Q8(4U\ZRLL',:`Q8LP`(CP4-M$P6B-)VJK<\_-E6AJ\)4 M5QDPR0),HL,DOG7GDJ6=&U$2'07,HJ0+**F!8B^0J0FM!3(T@?5E.)AY9E[] MU0+LRD@06XNXTO8D`7-%U%4@G-VY]0<8@;&>S!\,XDR?Q1O<%\JR'%_0+ MDDO=4>>(&3_/Y>%[QI@ASNT_\=]%Q3OY-&G0F8EARL=$]38U8;B_M>KI_T+^ M'U!+`P04````"``=A]U&8.TT5\4"```("P``&0```'AL+W=OPI[A3]LXOA`CGLVTZOG$O0ER?/8\?+J3%_(E> M22??G"AKL9"/[.SQ*R/XJ(/:QD.^GW@MKCNW+/38*RL+>A--W9%7YO!;VV+V M=TL:>M^X@3L,O-7GBU`#7EEX8]RQ;DG':]HYC)PV[DOP7`6A0C3QJR9W/KEW ME/D]I>_JX<=QX_K*`VG(02@)+"\?9$>:1BG)S']ZT:^<*G!Z/ZA_T].5]O>8 MDQUM?M='<9%N?=*-WK^3?@ZQ$CS0ANM?YW#C@K9#B.NT^--([D4A\965^Y%%R.?I1IDA3>AQ+J&:29[90)1L*3ZF,*!*7HP]$D M'$$)=A:10T@U1:(DAUV$D(O03#25^L+!SY"N6<\OR[(^.C>5\O3(-M7N(JI8IR[(Z3A8]JY<3 MTV"B;0^93"A#>0ZZMK!0..8 M*=`;YU0I^]D=&SN7I#J-V;C6]7TZ3[D2Z8LKOA,?F)V MKCON[*F0W8QN/4Z4"B+=^4^RAB^R+1T?&G(2ZC95Q6T:-?,@Z'7H.\?FM_P' M4$L#!!0````(`!V'W4;A$RI'DP,```<0```9````>&PO=V]R:W-H965TY/Q122<<\^YD)Q,9B?9_NGV0O3!1UTUW<-DW_>':1AVZ[VHB^ZK M/(A&/=G*MBYZ==ONPN[0BF(SD.HJI%'$P[HHF\E\-HR]MO.9//95V8C7-NB. M=5VT_QY%)4\/$S(Y#_PL=_M>#X3S67CA;)I'V("JQ[G6)0EW>Q4)4E:ZDE/^:HE=-3;3_GZLO MAW:5_;>B$PM9_2XW_5ZYC2;!1FR+8]7_E*>5,#TP77`MJV[X#=;'KI?UF3() MZN)CO);-<#V-3[+(T'`"-01Z+R$VA/A"N!C#"8DA)/<2F"&P*X%["=P0^)60 M>`FI(:3W$C)#R&X(X?@YAH_Y5/3%?-;*4]".,_!0Z(E.IIF:+NN@&P;;<8ZH MS]FIT?=YFM%9^*X+&0P=,`L;D]`;8QY(((E,X$6)_O\AAQ09QYUM! M0^UL!H0$C[`E^@A`!)\)2P,R:XPYEQA!$^=L!T1.GF!**P,:E4CL5O)%$X&Y MP["ENC(@H^06\L43`?F4*+W;2FQ[_3?5,V@\IXXWO3R"#C)3[8?6V9E.+[K7J49E"L0EL7;__28D8N)$RXV0\+QOSDD.>/(C M;3_9CA#N?==5PR;^CO/].`C8:D=JS.[HGC3BR8:V->9BV&X#MF\)7G>BN@JB M,(1!CAQX@/_-/%6;G=<3@1%'O2Z M=5F3AI6T\5JRF?CW8+Q$DNB`]Y("#7UO33;X4/$W>IP3 MG4(J#5>T8MVOMSHP3NN3Q/=J_*VN9=-=C^I)%FJ96Q!I0=0+^G7<@E@+XK,@ MN2E(M"`9*DBU(!TJ@%H`APJ0%J"A@DP+LJ&"D1:,S@)X4R#/7)U<.'0-T!\V MN)`$JDJZ&GO`'!=Y2X]>J]Z+/9:O'Q@+E3#W6#?;JMH59<;$[%>1A5D>?$DG MS40=,S69)!JYF(7)@)X(1`A]')$S#KU&9.@CUPHSDTA1ZF(>3"9V$8^V"W0Q M3U8LSG2?;1OD8N8VX]S:Q8]IO_PJ59X*UMH.5P<7*JR MA6:<$+J8%XN)D8M96@RZDB^Z%2TRWTV0N'9UBJR=!RYF9C$P+R5S(\P";N<4@9\@+=.N@=&%:3.CT69I,'&47!Q48'^::M-NN>6#> MBAX:+BO3F.W[D_M(?M@OYJ=@/`>.^87H9U3[<;8O\CW>DM^XW98-\SXH%W\H MW:=_0RDG(NCP3E393G1<_:`B&RYOD2P_U82H`:?[4TO5]W7%?U!+`P04```` M"``=A]U&6A&&'AH$``!Y%```&0```'AL+W=O M:N7?I/S9'D2'AY73.HA,[.LV1=*\O(LGD65MIF;D7WW2^YAMH/Y^R/[276ZC M_Y94XDEF_Z6'^MS8.BOK(([)-:M_R-NKZ*^!MPGW,JNZ_];^6M4R'T)65I[\ M5J]IT;W>U">!TX?A`;0/H&/`.`X>P/H`=@]P9P/K M5%^,2])^_\BZB6J26U5WME2UVY19U9Q]WP:$;>SW-E//T(YYU!F7AA@3Z0P9 M";M1&#THZM&/0;5XBHWPI!/0$NZ.5^@VE\C'F%3(!. MVU\O>_=WF5A'7"_$9Y^AL\]4%3!]$.KA&5PT@ZLRN*".7.CIJ8M53*%&<9WF M#\-V.O:)L` M6`>H=:"-X9M+)`"5[;@F99`NY,;9#N>\0^`=HMXA.C>ZLDX08BZ0$"P'\YA1 MNGW6F:W;3^_:%!TLZJ%AOIEIO@%'.3?)`XY3U^R./TL'=_`PI01W)_J,&LUU MB@9F@CJXLH0XK@RA#Q<&4*^07FV>R"@?:`!K@RA$%<& M$'-P90@9^FPRVSL0T#PP0V%`R%`8$$+7*P80]ZE!>;9O(*!Q8.B:1Q,(7?/= M!/)Q90@%!N79IH&`KH&A:QX!2)\;H`PRN8;"@)"I,&;[!0(:!M=0&!`R%`:$ M#(4!(8XKT]EF@8)FP477/)I`Z)KO)A#Z18XGD.&'%IWM$2CH$3BZG-$$(K@R MA-#UBB?0]+YL:[L%N2A/W8Y69>WEM:C;'X?:V7'7[`MM=QLFYQ_)^I4@YR.R MCM6>V#W]=G-)3N*?I#RE166]R;J6>;&ULC9?1;ML@%(9?Q?+]:F,;L*LD MTI)IVBXF5;W8KFE"$JNVR0QINK_9^&?-.W%9IBB]=CRVAZ,R'=EJD=WB=FW/!]F* M(1GY?IE^1O<;5!O)I/C9\HMT[A,#_R3$LVE\WRW3W##PCF^52<'TY85O>->9 M3'KDWW/2?V.:0/?^FOWK-%V-_\0DWXCN5[M31TV;I\F.[]FY4X_B\HW/<\`F MX59TI1'\-29.>O=IK.TS7BWU2YW.8/Z"8`XI;`*JB`>4<4+X)R"S9 M-*\O3+'58A279+3%.#%3H`4!4!J@`0A0-A"U0Y`WU"I'@'9'4;5X>:,`^.\&#`4WMYL#,. MJ4,T0%4%84@$A@"8Q@M#0!5",*ZJ"L/0"`QU88AWF#5U*T#+I@KQ`"%&<),! MI#J"5`,DY$6JW?4I]:'^UNCX7IE;:J9NC[FVH<3I>FJ__758 M_0502P,$%`````@`'8?=1@:WJ/)+`P``7@X``!D```!X;"]W;W)K&ULC5==6B?B2W;3`"Y M(,?IOR\"@:7T4'@Q('9O5[K#)R5G5KW7!TJY]5GD93VW#YP?9XY3;PZT2.LK M=J1E\V;'JB+ES6.U=^IC1=-M2RIR![LN<8HT*^U%THZ]5(N$G7B>E?2ELNI3 M4:35WR7-V7EN([L?>,WV!RX&G$7B#+QM5M"RSEAI570WMZ_1[!GY`M(B?F7T M7"OWEC#_QMB[>%AOY[8K/-"<;K@(D3:7#[JB>2XB-L;*_G[DWD2AI,P)*`!\*@`Q,\2?`N!-](\"7!GTH()"&82B"20*820DD( MIQ(B28BF$F))B*<21,Z[S+D7"C%3AF2CR2I]NA'^0G&ZPFK+\B;EZ2*IV-FJ MNF_IF(I/%LT:5A/P.G>ZV%""/.@8R(( MLU8QO@=:?OQV:9Z^-_RL"9$8SI`'9LCK*L5313"!(_A@!+^+X&NU]F4JI)ML MARE;C`MK!":-0*U#Y$,:RT#1^.$AUW4AV$J#$3P"N]%@03@"N]5@B(S`[C18 M-(*ZGQ;L08.%_\\@Z-9\S(SM?CK*_*VBU M;X\MM;5AIY*+5JV,#D>C:RSVAU_&EVBV1L#XHSA*M?O)2_A%&PO=V]R:W-H965T?)1'QBKK;Y;FY<0^5M5IY#CE]LBRN'S@ M)Y;7;_:\R.*J?BP.3GDJ6+QK1%GJ8->E3A8GN3T=-VVOQ73,SU6:Y.RUL,IS MEL7%OR>6\LO$1O:UX2TY'"O1X$S'3J_;)1G+RX3G5L'V$_L1C3:H01KB5\(N MI71O"?/OG'^(A]5N8KO"`TO9MA(AXOKRR68L346DNN<_7=!;GT(HWU^C+YKA MUO;?XY+->/H[V57'VJUK6SNVC\]I]<8O2]:-@8B`6YZ6S:^U/9<5SZX2V\KB MO^TUR9OKI7T3NIT,%N!.@'M!WP\L\#J!=Q/X@P*_$_BF`M()B*F`=@)J*@@Z M06`J"#M!:"J(.D%T$]!!@:AY6SG7M`_4%QMI$J>=)93)"`0,Q<9CR(>%:C4(A9*%[`X;ZH80*(6:I,"*;MVV&O MOS>SD1&?1G#V/3#[7CL+/#EO`88C^&`$OXW@R_5'6D)H6^.6R1OF!\(4@F8R MA!""F+G,8.1"S+,2AT80LU`,!3#T(D.>CR%F*3,^\B%FI<2A(+-6#(4>F*&- M#%%ZIUADJ%A$6?3:D$AKETB]N!"Q_I;8P(3BDP[YI(I/#TPK-4@K-4DK-4EK M,&0W4.SZ8%H#Q6Y$/1*!R=4YY(/<1N,(Q01V'@XY#Q7G!'0>RHN.>*!KF2%N M`#J6&10$=^Q&0W8CQ2X%[49:`BD"Y_GZ"T?`>!N-"WSWSHP6_^7WK8NWTH=2 M*VK0_>&Z\H1U'UP/PF8*=H^:ZQ2%J&>=(A"UT(UA!&$O>C!PE$N-TK_U0;>Q MT"@(6G_Q!:9BH\<*[U00WC%=*ZAL=;`+5Q"951`951`951`951"951`951`9 M51"95%#W=:>":+B"CK3]S5AQ:(YHI;7EY[P2NQVIM3\&/F*Q?=;:G]!HB8#V ME3@V-MOM6_CI^!0?V,^X."1Y:;WSJMZV-QOL/><5JVV[#_5'Y%@?;/N'E.TK M<1N(KTM[U&L?*GZZGES[X_/T/U!+`P04````"``=A]U&1D9=`64#``"0#P`` M&0```'AL+W=O`4V,WV[VLN23UH;.U+".;,S)FQY]A>7W7[VIV5 MZH./NFJZS>K<]Y?',.SV9U47W8.^J,9\.>JV+GKSVI["[M*JXC`:U54(423" MNBB;U78]CCVUV[5^ZZNR44]MT+W5=='^W:E*7SG+<[ ME+5JNE(W0:N.F]47]IB#&"`CXE>IKIWU/QC(OVC].KS\.&Q6TB+[;K5E^#=IJ,2S',.7N,3>7V03<.ME.Y3&:=&7W?IJE< MA^^#HQD#(V9G8X!"Y`B1W2&A(7!G`12+>&(!MGW,:0%^,A,JYY\CDWC()#:9+"+))%88 MR66,!D*(\A\,4;2009U=$89/EHNZ%:< M07,Z9OU+<+$:$Z"Y8@.@V6(!^G*Q; M=6R8V=E<:]FGG2Q!?!*Z.!A$]E6^`+G(^+23">3"T5BV+G+),H=(,Y\P,HDB M.3H&@9AKNGVZQU+DPM$,MO+Q*&$.J;!A3((0#D(^A609(N1H!@QR-`,&.38% M\`DI1,@%O2V`K9"QF08@JX-@("/N6(#@$U)`\L?H#60!DF1U%B#'J09\0@I( M2%E&5\=62'S*PI%\"@E(UR"BT\8@QVD$?.('2/R`7GP+$+U/+4"Q@XQ/^0#I M%7":#`:1\I@O0(ZV!)_R`5*^Y5GA1@:#4IH,!BW%,;3N3I?BI'X6[:ELNN!% M]^8:-MZ9CEKWRKB*'DQ>9W,]OK]4ZM@/?^5P7)XNC--+KR^W^^_]$K[]!U!+ M`P04````"``=A]U&+&FNC0\#``!K#```&0```'AL+W=O5JC[L/M/$25`!9['3=/]^ M;4R(!PVH+P',.7/.V*-ADMU8^\'/E`KKJZX:OK+/0ER6CL/W9UH7?,$NM)%O MCJRM"R$?VY/#+RTM#AVIKAS/=2.G+LK&SK-N[;7-,W855=G0U];BU[HNVG]K M6K';RB;V?>&M/)V%6G#RS!EXA[*F#2]98[7TN+*?R')'8@7I$+]+>N/&O:7, MOS/VH1Y^'E:VJSS0BNZ%"E'(RR?=T*I2D:3RWS[H0U,1S?M[]&V7KK3_7G"Z M8=6?\B#.TJUK6P=Z+*Z5>&.W'[3/(50!]ZSBW:^UOW+!ZCO%MNKB2U_+IKO> M])O$[6DXP>L)WD`8='""WQ/\!R&8)00](?BN0M@3P@=:RF]7J@KH4JF[),I:GO[=XM]CJ(Y>GP^7J9Y[Z;N9\JD`] MQNLP:Q,3>"F&>088/,Z+B2$#PI$N!ZL>9K6WX0$)'Y/8>"`=@EJ%<3S4JHG! M,]X""(;80:$8S]C',O;UX?BFA!_@`0(L0*`#!,!!`EV&.E6-:3J,'Z5QXD<8 M;CO")>YX>S5N9^(\G\C$0]QX.&,\!,9'!Q!KXZ$AY"Y<@H&VWP'M)D'`;S3C M-P)U-RJ'2*M$A@IQ<8UX1B,&&J/Z3W3]Q^;FD\7$SB@B19'T!YW-V,VN=2;V%P(0AUO1Z") MVB=S_9($(`1>=".0CYN!H(F60N9Z(`%-,'"QIK(F9N\*IW*>:UTD`C*CG--> MQFQ>(5E,E?=<_R(Q$/+Q?,P.9GPS#71NAOLS& MZC`_/WEJ?AJMK\ERHZ?@1Y@\NQ0G^JMH3V7#K7A;J-U>=1S\+Z0;#+?;0?_E_D_P%02P,$%`````@`'8?=1DL'B&R& M`@``?P@``!D```!X;"]W;W)K&ULC99=CZ,@%(;_ MBO%^1D%%;:S)]&.S>[')9"YVKZFEK1F5+M`Z^^\7Q%IHJ-F;JOB^YSPHJL$CDVE0>'P:97A!9 M.RY'KV4>H2*XJD"C!@Z:E:F)8>[2K$T-F!2!))@PH`MC3`'-%!%PIC`UT*78 M6`HGY]9*A'(W:>0BC73!(JM@J3M`[`H0ZP"Q%2"S*9&>JM9T@^8%A''B4FTL M59PB9ZRMJ0(ABMW$R0QQ8A$_U#71Q(F1)4K#T"7:F**7)#-4%@N:84$F2^Q. M@XPT3L4662#ADX9-9SA2L]\?.73E5ZFU/A%TPEJB%"`W2C:#DEDE`7-HINC0LC MYY=FJ5YB!)('GL#8=5O"CL-YQ[V*7CJA]AYC=#I3WZ#:M1_&UV"QT2?C/4Q9 MG/&1_,3L6'?IJKD^'_6#H.?; M<3_]YRC_`5!+`P04````"``=A]U&24Y`+O4!``!/!0``&0```'AL+W=O&UL?53);MLP$/T50O=& MNS?(`F(517LH$.30GFEIM"!<%)*VTK\O%UFF`R$7D1R]]^8-R6$QP"% M/BAA\ACT2HV',)1U#Q3+)SX"TW]:+BA6>BFZ4(X"<&-)E(1)%&U"B@<6E(6- MO8BRX!=%!@8O`LD+I5C\.P'ATS&(@UO@=>AZ90)A680+KQDH,#EPA@2TQ^`Y M/E2Y05C`GP$FZE,2.^$S%;JG-FZOF.%RT+P"0EW%B,V M1QX?4KUS-9(V*-QVZ/)C>N#(=A%I-NHV@-5/F@ M;_G.0SUXR;_PDC^<2+R:)O?2Q$F\_90E].X`!='9WI"HYA>FS*9[T:7]GA-S MAS[%3[HM71?=9IY5R!=A<]:7N]?CB6!8%6F>E6 MSX7K);=0?+R]#,OS5/X'4$L#!!0````(`!V'W48&2O/QN@(``.0*```9```` M>&PO=V]R:W-H965TF].9RXFHKJ+)=V@ZW+.&]`'%QW7X M#)YV(),2I?C3X!LS[@,)_T;(NQS\.JS#6#+@%N^Y#('$Y1-O<=O*2"+SQQ#T MGE,:S?LQ^@^U7('_AAC>DO9O<^!G01N'P0$?T;7EK^3V$P]K4(1[TC+U&^RO MC)-NM(1!A[[TM>G5]::?K.+!YC;`P0`G`\B]AF0P)'=#ZC6D@R']9HCT4M1& M[!!'=47)+:#Z[5V0/"3@*15;O0^8FJ1Z?\56,#'[69?IJHH^9:!!`Y5F8VK` MI(A$]"D%=*48[-"P0U>"K:4H79*=*4GSTDV1N"@2O=#$6NA,@-05(-4!4C-` M%MN4N5ZJUO1*XU1L%Q4[4P%3F+M),P]I9I$".TNF2;-Y#JW8FHK<&61G2D`\ M0YI[2'.+%#I)\T524_$`\LS-47@X"HLC<7(4BQRFX@&F9>$&67E`5A9(Z@19 M+8*8"E#,[$?IP2@MC,R)42YB>!3#63<5,(:)FU26[UE4^=!@S9VL@\@':TD` MC&=0G+5T1+&*:5:X4<`RBBE)C%-@HSAK[H@"+925&P4NHYB2A[D3#9R%=T2Q M*F]6NE&2993$_GO%E)-%0OVY-IS^64U9J?&[1G*7N+;_$8V=*K'N(>IJPLZ MX=^(GIJ>!6^$BTY%M15'0C@6;/&C8#N+EG,:M/C(Y6TA=U$W87K`R67L*:?& MMOX/4$L#!!0````(`!V'W4;[#XL40`(``&0'```9````>&PO=V]R:W-H965T MO!DF=CYA\D$;A)CSV7<#W;D-8^/6\VC5H![2%SRB M@;\Y8=)#QK?D[-&1(%A+4M]YH>\#KX?MX!:YC+V1(L<7UK4#>B,.O?0])/_V MJ,/3S@W<6^"]/3=,!+PB]Q9>W?9HH"T>'().._N;ZP@#I4,:$`^7)%!]1U0H@G_CMKWE,*HOY\4_\NJ^7NCY"B`^[^ MM#5KN%G?=6IT@I>.O>/I!YI+2(1@A3LJ?YWJ0AGN;Q37Z>&G6MM!KI-ZD_DS MS4X(9T*X$`*P2HAF0G0GQ*N$>";$#P1/E2(;44(&BYS@R2'JXXU0S$BPC7FK M*X?*(%']Y:V@/'HM-B#,O:L0FC&AQ.QU3+`@/*Z^I`AM*69ZJ-&M"0X&8F.# ME#HD!AN[B\CF(E*%1D:AD5T@M@G$2B#6!9+`=`E4J0HS2(QO0QQT!+"*E#HD M\('=:;+B-#%*CSFAF- M!1OKM.J@]'$&/.TPZA$YRU.=.A6^#$S\M;7HXCO^86BSO^[3)&/ M\(Q^07)N!^H<,>-'I3S73A@SQ+WY+[RA#;_REDV'3DP\IJ+3ZA90&X;'VYVV M7*S%?U!+`P04````"``=A]U&;,)%NB`"``"'!@``&0```'AL+W=O/OHL18@@]*:K%R2BF;)82B*#%%XHDU MN%9OCHQ3)-62GZ!H.$8'0Z($^JX;0XJJVLDS$WOE><;.DE0U?N5`G"E%_-\: M$]:N',^Y!MZJ4REU`.89''B'BN):5*P&'!]7S@]ON4LUP@!^5[@5HSG0WO>, MO>O%S\/*<;4%3'`AM0)2PP5O,"%:2"7^VVO>4FKB>'Y5?S;5*O=[)/"&D3_5 M09;*K.N``SZB,Y%OK'W!?0F1%BP8$>8)BK.0C%XI#J#HHQNKVHQM]R9U>YJ= MX/<$_[N$H"<$`\&+9PEA3PAOA'"6$/6$Z(X`N]K-SFV11'G&60MX=]H-TA^5 MMXS4V11`F"#O#D3MG5#12[Z(DPQ>M%"/\0UF,\9X`P(J]2&%;TO1T_T1/8P7 MMA3;,<:W(783Q,+N(K"Y"+I"@TFA@5T@M`F$G4`X$4BG)CO,>HSQ0L^&V8PQ M4>+;,-MO8':/,)."HIF"HDE!"ZO9"<9]L&OQ3))X+)"XUB13S(,O+/F41,LG MAJI[WB=".N,J_?JNC:U]?T/IXL MMXDEODZ76]-SX4T^SQITPK\0/U6U`'LF57,P-_G(F,3*M/ND#JQ4?X5A0?!1 MZFFBYKQKE-U"LN;:]H=_3_X?4$L#!!0````(`!V'W4:8E>[%&`,``(<,```9 M````>&PO=V]R:W-H965TZ+MI_SZSBEX6/_&'@5WDX2CT0+.?!J-N5-6M$ MR1NO9?N%_PT];1#52$?\+ME%6/>>3OZ5\S?]\&.W\$.=`ZO85NH0A;J\LQ6K M*AU)K?RW#_JYIA;:]T/T36=7I?]:"+;BU9]R)X\JV]#W=FQ?G"OYBU^^L]Y# MI`-N>26Z7V][%I+7@\3WZN+#7,NFNU[,3!KV,EB`>P%^5$!Z`1D%*)X4T%Y` M/P5T4A#U@NA10=P+XBM!8(K5E7I=R&(Y;_G%:\W_XU3HOR%ZBM5F;CW1#;9F M!U6QA1I]7V8)F0?O.E#/X(Y9V0P:B4!%'Y?`T!*]'%MR#"VP=H@,0G(;H3'( M;&PFHAF<*8$R):88Q"D&A0-0*``U`:@3('*S-,RSS2"*7"8R)3-,TS$DO"Z) M@=8V1&]`N0U%),80M+&AQ(8)7*8<*PD$U82QTH* MU6N5W$["$.N[1`X33IKI1)JIDV8&5CQ]H.+IW8K?)7*8<*QD$U8RVTH*5FN5 MW:WX72*'"2=-W65OYJDGK4016','NE7T'C*IH#"$"^]2A!"P^`Z%[5BN,["_ M#-KEYA8+C)C.JODJF^BB:;YE`,I_NFU^T[ ML`Y&-6L/W1E6>%M^;J2.88V.Y^1GK`]65^,K])0C8%S94Q,$F%&IJ1ES2/M< M>CD_%0?VLV@/92.\5R[54:\[E^TYETPY"F>JZD?U53`^5&PO]6VBM\.RS_`U!+`P04````"``=A]U&&,NY1;`#``!Y$0``&0```'AL+W=O M,Z]W,LY^+&X\?:M.S/6!Q]UU73+\-SW MEZ5L7_7#:GN+NTK+B,)+J*H9)0N*Z*)MPM1C'7MK5 M@E_[JFS82QMTU[HNVG_/K.*W90C">>!7>3KW8B!>+>([[U#6K.E*W@0M.R[# M;^!IAXB`C(C?);MURO]`3/Z5\S=Q\N.P#!,Q!U:Q?2]"%,/AG:U958E(0^:_ M,NAG3D%4_\_1=V.YP_1?BXZM>?6G//3G8;9)&!S8L;A6_2]^^\YD#5@$W/.J M&W^#_;7K>3U3PJ`N/J9CV8S'VW0E3R3-3("2`'T)2!+0G0"QDY!*0GHG@-1) MP)*`?0E$$L@#(9Z:-;9Z4_3%:M'R6]!.^K@40H;@B0R+N0^Z<;"=5G!H=C>, MOJ]HCA?QNP@D,7#$K%4,N"/B(?H]!32ED'2HT*$IP49#4!-DJT)28L3L5`Q. MJ7FFR#13-#4#:&K9A&E&#$H>6S*! M-BHHM8"V*@@C`DV@G0K*5)!6.'84CK7"B9XEFXK"2A:8D@CD)MA&@^$\`L9H M6QV&(Y#I,#*5IL$0-E=&')4131/(N*3$8TF)MJ2)<2$V&NB+@.22JB`,H47G MF:.F3*LI,P?('4;)?8Q"'3.@+J/(CE&E3H!25>>:FQ5L_@"SM M!,9-=,X#/.0O08T$118M`N-6.B>"+C7*ODF0;%QB65Y@W`CG/-I.2!-S0&";0=DUKN+L"X]4@M`NPC1N#R."`><@2J[T!.;4)Q&0]D/H+40-2R&P.C M/^<\N8\@9!:LOCLB!,/32I@ZAE,X:N1P3H\XP`]=MZ%A%; M]UU^ALZ;]MPZXM4ZEYUAYB/)S+#R^WXYOHD?.>#3-/HJ$O9U8<[B<5._;B M;R9<.WT9F$YZ?ID_=-R_MJS^`U!+`P04````"``=A]U&UB)68_0#```\$P`` M&0```'AL+W=OLV^[,HTN9+=1%E=^58U47:=J?UR6TNM4@//:G(7>9Y MH5ND6;G:;OJQ;_5V4UW;/"O%M]IIKD61UO\]BKRZ/:Q@-0Y\ST[G5@ZXVXT[ M\0Y9('U5^P_LJYA/2('YFX-=I_1XK_J*J?\N3]\+#RI`:1BWTK M0Z3=X5,\B3R7D;K,_ZJ@]YR2J/\?H[_TT^WD?Z2->*KR?[)#>^[4>BOG(([I M-6^_5[80R(#[*F_Z7V=_;=JJ&"DKITA_#<>L[(^WX4KL*1I-8(K`EA*X M(O"),`FC";XB^$L)@2($=T)H)82*$-X)OI40*4*TE!`K0KR4D"A"LI0@UWQ8 M.6]&<8,I#"LQSSI&)\E%.89QXDHS$['P(1P.YF35D9J53J8KH,#J8,A'3&I0\
`YWETY3A9.3ZL,L5AH."S1@2K5`C,*\Z)@(0EI)8%,2X,G,T@R@G0X*`DZG"6UI0IR&DVEF M()_.$]GR1#A$0.:9@0QEBVUY8APB(O/HH-@TG<26)L%I8C+-#)10H#;IH:[!W#`L]HKF"U1O#1RI*=]0C^DG+[YHTXUOJ/D%<#!,_(:K&`/1;( M97]6J'*Z,YER67T6L(<"IULT_'.+ZI#8(,5JQ8!M%@S^![3/JGLMS(S6U,%6 M%X5DD6\E:`'HJN@8%E&85X0)`UHPLQHMFQFM*0AMD:IT#!:5CEG-C^'G)0C) M3F.Z&0&8;G7,:D:,VWQVS,279;):#//QI")#$+JKQ_(&R\IK;5<6+BJOWHN0 M,--VL+8CBY:4-](SQ8FA\9GUV8CAG@53$+IGQ_(FB\K+K7W$O27EY?0#"\YC M?1KAN-4@H?/`@CQ$-_89[AWV.\?:5AS=X^>W2G4_Y;CWYEWE:N_!A:A/_8>7 MQME7U[*5,;31Z>/.(Y/OT;/Q':S?@!COYK=^YQ2CD]9=Z;\3N??4V\TE/8F_ MT_J4E8WS4;7=NWW_%GZLJE9T,_*^=$4_B_0PG>3BV,J_D5R-X>/.<-)6E_%; MU?3!;/L_4$L#!!0````(`!V'W48ACYL3^P$``.(%```9````>&PO=V]R:W-H M965T-(SW6*HEOP`Q"F,\VBQ(B.KBCQ*:J58K=(@")8,!(?!K08R1HC]F>`O@RI MS0#7&1XP,]N(%0U&!*-=[E55K@KE*/+#I!LPZ1H&KLL@"Y,Z9;[M,J^HW6FE2Y"?)-TCR M-4GF_5=RITJ*T./>S?^*JXJ3&#[2`.VK-#'$!K8VJ;L/WW]8.P>)=PB?%XOL>,Y4D^ M&.TE8>@5JK;AZ$L:\*P?.(=:?7)E0N&E=Z**I2=(/AB08R&",)- MR'#3!D5N8\^BR'FO:-.29P%DSQ@6_XZ$\N$01,$]\-)4M3*!L,C#"7=I&&EE MPUL@R/40?(WVIPB:%)OQNR&#G'T#8_[,^:O9_+P<`F@\$$I*92BP7F[D1"@U M3%KY[TCZKFF`\^\[^W=;KK9_QI*<./W37%2MW<(`7,@5]U2]\.$'&6M(#6') MJ;2_H.REXNP."0##;VYM6KL.[B1+1M@R`(T`-`&VB@BB+`]OAFE,0C;IY"5-&:&F MGS30DL8(1S-XBM)E@GB)('8F8]_D=IDA66)('$/B,^S\,C?.ITMJ;=*7&"ZK MI"LJJ:&ULC97;CILP$(9?Q>(!%G,F$4':I*K:BTJKO6BO'6("6AM3VPG; MMZ\/A(6L%^4FX.&??[[!9%P,C+^)!F,)WBGIQ,YKI.RWOB^J!E,DGEB/._6D M9IPBJ9;\[(N>8W0R293X(82I3U';>65A8B^\+-A%DK;#+QR("Z6(_]MCPH:= M%WBWP&M[;J0.^&7A3WFGEN).M*P#'-<[[SG8'@*H)4;QN\6#F-T##7]D[$TO M?IYV'M0,F.!*:@ND+E=\P(1H)U7Y[VCZ45,GSN]O[M]-NPK_B`0^,/*G/@MQ0,4O=MKVYGK8)_D<$QS)X1C M0OAH0C0F1%-":#NU9*:O;TBBLN!L`-QN1H_TG@?;2+VY"@@3Y/9UJBP$$T*7]E/-4)7C3$]G*4G8>(VB%P&D86,EI"IVR%V.<36 M(5XZ9,LVK6B_$,7!4I/:7JRF,YHPS]PDR0I)LB3)G21WHLU2E%B49(82!!LW M2KJ"DBZJQ-")DCZ"DLY0H!LD6P')EB"!$R1[8'>R&4<,O_A.\D\DFB&?4C\E M;%;0-VM4(_EFV5[HQM(SY\LR^N'*-HR%[E1Q=%?)G\T&BOG9S$P!*G;II/ZW MSJ+37-Z'>K;=`$0R8Z9F3&*%!Y_4U]*H M$V5:$%Q+?9OIS\C.6+N0K+\=&=.Y5?X'4$L#!!0````(`!V'W4868'59<0(` M`&H(```9````>&PO=V]R:W-H965T'.`DJX-1VDN[;KXV!V-6$2\'F_^<;#V4FQ9V+ M#WEF3`5?;=/)=7A6ZK**(EF=64OE"[^P3C\YV M94UC(FGRYQ#TP31&]WZ,_J,_KDY_3R7;\N9O?5!GG6T[?9+'@PTV)(,AF0PHFS7@P8`?!C)K M((.!?#-$]BA](794T;(0_!X(^_8NU/R3H!71I:X"V6\*6U]="JEW;R6*"2FB MFXDTB))>M/%$DR+2X2=&`C$&>^+8$PBP]11+2+)S)21;PEE@*`ML3XI=!LG@ M``0*0&P`XIAF`8LYC!+'Q,#F(6+@;A)T7+9S"YCUF"F-S%Q#B! M,\HQ#UT0`D&#:CP0(D].A,!6,J+\7I(F,`HY MJ"?O!X'=9,0D/@:#G]B@`CY$GP1VC)&$?1(!O_A!];QVD=.16R9._6B30<6O MG3+MS=F=QN=K8CKZM_V-&:M]IW^$*8L+/;'?5)SJ3@9[KO2\Z)O[D7/%='[Q MBR[\60_^:=&PHS*W"_-&["BT"\4OXV2??EZ4_P%02P,$%`````@`'8?=1OF= M"VT=`@``+08``!D```!X;"]W;W)K&UL?57;CILP M$/T5Q`8L&$3QN$M\-&>&ZD#455&$^_8 M4MR)EG4!QZ=-^!:O]X5&&,"O%@_">0ZT]P-CGWKSX[@)@;:`":ZESH#4"=DB(1L) MV0,ALJ681NR11%7)V1!P^_%ZI,](O,Y4J^M`F""W_56M$"IZK6(`81E==:81 ME!C0=@::$)%*/VDD/HV1GCCTQ">PFR%6/LC>A63YRN\B];E(;:6IJY'E_@29 M+T%F$V2S5CD9#"BWM5I09T$PA@``OQ)<4((SI>2A9]`J04>BWEL^+AZS-'X5/'=>+#@OYB?<_]F*63/_ MUXF<6T4Q/YOQ)(*:73JICZ@3G2;@6Z)OY4-\JR:C'63W-%79HS/^B?BY[41P M8%+=>7-!3XQ)K.R!%]7@1LWN:4/P2>K'0G?>CC.[D:R_#>?I'Z+Z!U!+`P04 M````"``=A]U&=K##_"D$``"!&```&0```'AL+W=O7-NV^M3&#:'LZ[RYI.Y MZDOWR\G45=YVE_5;V%QKG1^'1E490A2IL,J+RV:W'>Y]K7=;\]Z6Q45_K8/F MO:KR^K\779K;\T9LYAO?BK=SV]\(=]OPWNY85/K2%.82U/KTO/DLGO92]I$A M\;W0MV;Q/>CA7XWYT5_\=7S>1#V#+O6A[;O(NX\/O==EV??4C?SOU.G_8_8- ME]_GWO\8IMOAO^:-WIORG^+8GCO::!,<]2E_+]MOYO:GGN80]QT>3-D,_P:' M]Z8UU=QD$U3YS_&SN`R?M_&7-)J:V1O`U`#N#81D&^#4`!\:A"/9,*\O>9OO MMK6Y!?7X,*YY_\S%$W8K=PB:X68]+E,HJIQHF,HP%D)Q(?]XIDG<0>H22<[T3JX5V1KH/8(Q2$4YW(?,PKLG42>X06/YSF M(/*Q+D2K)(X()>'\!F)=N"#6.>P1RL%)#<#'LU.*);%'*`E75P)5HTHWTDNOP$D-8A^]PKK4'!%*PDD-E(]>86DL9X5+4\X2%SBU0>(C65AZRUWE MTIB[S`5.<9#ZR!920N2J=!]BSE(7.-=!YB%=6%>=(T+?TCC58>0C75QZS%WO MTIB[X$5.>2A\Y(NDI'/6O"3F+GJ12ZHE>``XA]M48? M&2-Z(J$G$E=LXL-+MNO`P&K4RUD9.1>B\K$R+BWWV[G#O"XDY#(AU*]'CZ:#/TV$/ M$"7KV^DL4RY?D^&Q>)@.,TD(A7R@"1>'Q=?\3?^=UV_%I0E>3=N::C@D/AG3 MZJZKZ%,WO[/.C_>+4I_:_FO23WP\(1\O6G.=#_SO_^NP^P502P,$%`````@` M'8?=1@*CL/PU`P``D@T``!D```!X;"]W;W)K&UL MC5=-^A,)H?V3&S99@+(!3E._WTE)(CD+(HO M!HGW=I]6ZS?2_,J;U_;$F`C>J[)N%^%)B/,LBMK=B55Y^\#/K)9?#KRI+,%8:6,EV0H7(Y>.-K5A9JD@R\U\3]".G(MKO??1MMUPI_R5OV8J7?XJ] M.$FU<1CLV2&_E.*97W\PLP:B`NYXV7:_P>[2"E[UE#"H\G?]+.KN>=5?)K&A MP01L"'@@T,1+2`PA&0B(>@FI(:0?A-1+((9`[B500Z`WA$@7JROU.A?YGIW>U;/*9$=%J(^C76NJ83!ZJ6D&5L/%3*&VWC@8,J86M*Q> MK>M9V4V7:-2CBTK!5EH9D!8#[_`(Q)4+NE\O%]_Q+S0@T]085N)@1NP`@?;6 M2[GQ-S#/RJ"\18$AKA*?3:+T#C=`Z=="8(@KQ&>1B-QC!8C&1ZS.F#?S*S1;(V!>KF^VD6O\_$5JFVWT[2/Z M2+V.!=,+BE^D`UPDA>D85"R@U"OF>H,?670 M`\'/_0UHN(8M_P-02P,$%`````@`'8?=1A@3>8J/`@``R`H``!D```!X;"]W M;W)K&ULC9;?DIL@%,9?Q?$!5O$/:B9QIFNGTUYT M9F]-W=*#6S+6 M[3R/GDK<(/I$.MSR)Q?2-XCQ87_U:-=C=!Z#FMH+?!]Z#:I:-]^/FL:U/]]QC49#BYPYXG7ZEHR,>'E>V^).U<-;FE%6J?'EX/[!>P* MD`G)J/A5X8$J]XZ`/Q+R)@8_S@?7%PRXQB,"U[7(Q-_\9TKZ_YTB M4+V?LW\;R^7X1T1Q0>K?U9F5G-9WG3.^H%O-7LGP'4\UQ"+AB=1T_'5.-\I( M,X>X3H/>Y;5JQ^L@GZ3^%&8."*:`8`D`D34@G`+"#P&>)!OK^HH8RO<]&9Q> M+D:'Q)J#7<@[=W+H.-G+=O'**)^]Y\!/DKUW%YDF43"*GE518%(4FB);)!XG M6#`"$T8H,0(=(S5G"$T9(IDA5#*$F0X)91E2TDK(.(&^[YMTA:J+?0!4G<83 M67@BO:(/1+$DBI0WP1ADGXBDKE!U*0#Q*E%L(8H5(@@C(U"LO"@*([`&I.I` M"+-5(&@!@EJ+(#1G2"S;)MFT;5(+0VK9-E-/4J5685PEN6R6C!\P<.3ITQ3]1 M?ZU:ZAP)X\>7\:QQ(81AGLA_XO65_%BY#&I\8>(V$87+@Y8<,-+-Y\;E\)K_ M`U!+`P04````"``=A]U&1&9IF+8!```7!```&0```'AL+W=O,3=6!H.9&]2#=FT9I M0:U;ZA:;7@.M`TEP3-+T%@O*9%(6H?:LRT(-EC,)SQJ900BJ_YR`J_&89,FU M\,+:SOH"+@L\\VHF0!JF)-+0').'['#*/2(`7AF,9C%'/OM9J7>_^%4?D]1' M``Z5]0K4#1=X!,Z]D#/^F#2_+3UQ.;^J/X5N7?HS-?"H^!NK;>?"I@FJH:$# MMR]J_`E3"R%AI;@)3U0-QBIQI21(T,\X,AG&,;[9[R;:-H%,!#(3LML0/!J% MF#^HI66AU8AT_+0]]3N8'8C[$!4RH:AC]RZH<=5+F:7W:8$O7FD"D0`ZK4`S M`COYV8-L>4QTLJ"3;?INB[Z+$7=+>IYN"^RW!/918+_N,5OW&$&G)2B_^T?, M_#\N^=J%K%WRZ!)!,H#^[@0O=DZ`;L,!-:A2@PS785&=[\`#"3O_#2^+GK;P MF^J628/.RKKS$S:[4N`R=NZ7S@D-C_?3.9XP'-RZLZJ_7&ULC9K;(!%LVA9Z0M3%5,*I5 MM]6A;+[4I^K8??-2GP]EV[T]ORZ:T[DJ-]>##ON%S;*P.)2[XWRUO'[V[;Q: MUF_M?G>LOIUGS=OA4)[_?:SV]>5A;N;W#[[O7K=M_\%BM5Q\'+?9':ICLZN/ MLW/U\C#_Q7Q=1]]+KHJ_=M6E0?_/>O-/=?VC?_/'YF&>]1ZJ??7<]D.4W;=IMYS:;SS;52_FV M;[_7E]^KX1J@'_"YWC?7O[/GMZ:M#_=#YK-#^?/VNCM>7R^W;V(^',8?8(<# M[,+Y- M5W=E3??I^\IDN5LNWON1!I&]BAZQR'**-5$4'Y)%Y^##AN5LN)L-2VS$C!_! M<2/XVP@.C>`\-1ENEW&3'*^2X(`5K441<>(5)QX["?0D<'/BT4E,9DP.G&R- M97GA@^'-@&(&D!F?LV8`G<6!*5@K1-19YIT$Q4E`3J)GG00\+=8ZPUH)9%:B M8"4J5B+^A2)K)6(KIK"6M8)512;=^+EB)<=6V*E_S-%)+$3VCEIC$71W%.^D M4)P4R$D8@V"P4F`K,>=_'R("B+R5'K&BE_Y+Q`/@)V90#6N&B@((;EA& MWMU@N@&_B`;-\`/8&`,_.527%2X$P1&+R[LCRDMQ#!:8`W*-F\1#)& MSB]KX^DU%_QB(K)N^8,$7Z,!SX`2".Z&,,V$VX:74!\:[DQ(AP$3TCYX"?6A ML<[$=`0P,>V#EU`?&NA,GN:_R=,^>`GUH6'.%/2692/OHRG23G@)37DTR-DL MS7Z;)7T($NI#PYLU$\AO3=H(+Z%&-*I9.X7Z@TIUPDNH$RV9M"Y-?(LS19<5 M72K"F\$ZFW>108B(5B.M'9&6!XKUZ;GA)=2)!E@+U`F?/]DT8@4)=:(AU@;B M1)Q7%H_WPB.2,:0H:#6TV9S."`\WFX:;(*%.-+A9##.J0+!H1"S6D@=B,0"\C!E`V06SYN$QDX6T@(U(#L1MDF'RP=AJW)"VF5 MCV1&F".O0=G3TCKDPA@L1X>@Z6G74`J:7J.?I\F>$#1].MD3)-2)!CZOM0[O M/M+8$R34A]HWG-(XQ$#S_(U+-4)/RFO(\Q.ZACZ=X`D2ZD-CG9_0,_1IT@D2 MZD,CG:=)HA`:/6:8S\'S3%P3G01$\PA),XL4LCJZ@;+=D+9,.$OY4#SN24 M#6NB4W:L@[I1C+$H9)\!TT[LTE"5O&NM$3%@(DK[UI'>%M+&=22S(W5I@@;# MD$\!=,"84U)1HM-2T:#A,)"N(Y]W!;HK+/1KB$KNUT0-A1&C4$I((\GPI'X- M58G]FJAQ,%(."FEIQ'F>E)92D9261BT=C)BH0BR-.-,#8TP0[&"=+QQ^2((Z MTO@<1WSF`13)8SEBSX;(E)Y-U/`<1^GAZ%3#PT21[%9_[MD,CQ.-99]Z-@OT MO-:I?*W^+,^ONV,S>ZK;MCYNVZ@;+OG27N:W*S<>;??72]O_&_OIO M#ZG=WK3UZ?[,W<>#?ZO_`%!+`P04````"``=A]U&Y.`N@RL(``"..@``&0`` M`'AL+W=OCH-VFZ6IJK"[D['?M\_W#7OQ\UZ5_^^7QS>M]O5_K^?ZDWS<7\C M-\.!/]8OK\?NP/+A;GD9][3>UKO#NMDM]O7S_-\<_FH]_U/TD3AD^-IO#Z>?B M\?UP;+;#D)O%=O7W^?=Z=_K]$?D!@!\1^0)P,6)XO[NG6?%D=5P]W^^9CL3\OJ+=5MV[E-K8W M_W%Q.!WW,.[=$?#U+EZF[YHSM3'V1.09^+H$O$LCW]!2M><+8L>IS`]W<\/=>;@K$[!EEN%\ M00QD MU3O4":\*U'TX1IJ0[!SUJ8QR,IM.'W3.1\ME5G2&7`I!D>FZ'&"$@)G5G0'& ME##*;,R8C945#6I6-08H6T*9>2@[@@HV2E*@D,*(*Z&LA%3OQUE1-$ M>`E0YX;Y!N(.(KY+9'1.(@&#V"Z)T2])!`SBNF1&OJ1DN]/8;A#;3<4(F*E( M*$1F(XR$&5$U;/1=]!L(*S-"O#<&2MV0T9CW;IK/^51?RE--]7!(6CM3F3+2 M#V,9133V^@HT2#N,8Q31.`(&[4Z,9]30>'+U(2$RH812Q,S,JDROAB9>5T.# M],,D1@T-H1\&Z8?)C!J:7*Y&[;):I!^V8A31%OJA;^DLT@\KC"I:8C-@D2A8 MPRBB->2,$)FM9131$F2VB,S609GK=W1EE+*CLP3C+6*\]8Q^64_`(+;;P.B7 M'6\[8E()@'8>-C(29B.'A,3#IA+)*^>858;AH35?5S"'^.XJ1L%H3=!AQ2`]<8C3.C3<3T6D/ MK0[M)UQF-,YE"LDC>?%5B:1\J_I9X>@USLMUC?.(Y]XP&N?+\=HER>^WCTL-WI&N[PO9Q2B`H48[P.C7SZ04(C0/C(:Y@E" M>T1HGQ@-*Z,4#?-%R5')!5'>9T;#?+X^Y8#X'BI&P\)X.^'&B[=$0MN)((R& M!2F1%/T)2#["I)JHK+B`F@N!Z"X$Q/>`^PO#=%TQ7>T.(L8'JL,02L;KO0/8 M/."Z!\37=T!L#U3S()3=@\IJ=PDQ/E#M@Y!(*$3H0#40`D'HB`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`YFW"@Y.-2'*_H)M M@$(5_J4P`@:C[((%^P"%JOU+X004HXLJM@**HV1.B/J_S!L&+TA4!V`(&^9E M1/D>%NPNG-H+%9DK_(40#9)]ZC)49(ZR&6*?X=1HJ,B<,+T`$:(9(-B0*%0[ M0(0H'PKT(XJA.@)2.!)=BAH)H2-1#-44D,)LV()I6PUH-I32(MBJB'86U!@0 M0W0&!'K[Q#A*Y@IWGRYST.`GQE,R5UK\@,Q!CY\8JD,PA%U9IE`*#-4D&,(N MPA,U^D';H$Q]@XK,%<9!B`;)/K4/*C)G&+)#\Z!,W8.*S%FF72"6Z!<(=!B* MI3H&PG@,!9H,Q5)-`RELAD#FH,U0+.X;A`',O]R>EOQL'ALWG?'[IJ.CEY>B?QDNE?B)L<_R^T7 MF3MN;K_,Q7=SO_W:78#__ZQ+N_OL]%KC\F=:#W=OJY?Z7ZO]RWIW6'QOCL=F M>]^];??<-,>ZG6_U2SO=UWKU=/EG4S\?NS^[SLK^_+;D^9]C\W;?O_UY>07U MX7]02P,$%`````@`'8?=1NZ>2SZ5`P``P!```!D```!X;"]W;W)K&ULC5C;;J,P$/T5Q`<4/)A;E$3:)KUKI54?=I]IXB2H@+/@ M--V_7QL,M9%Q>6F"?8[GV#-S@KN\TOJ].1'"G,^RJ)J5>V+LO/"\9GY ME&56_[LE!;VN7.3V`Z_Y\<3$@+=>>@-OGY>D:G):.34YK-P?:/$"L8"TB-\Y MN3;*=T>(?Z/T73P\[5>N+S20@NR86"+C'Q]D0XI"K,0C_Y6+?L441/5[O_I] MNUTN_RUKR(86?_(].W&UONOLR2&[%.R57A^)W$,H%MS1HFG_.KM+PVC94URG MS#Z[S[QJ/Z_=3(PDS4P`28"!D/A60B`)P4!`D96`)0%_$;"5$$I".!#L^$CB MH[D!8DF(YQ(224CF$E))2.<21,J[Q/FS*4.NT8CB=472EM@V8]EZ6=.K4W=] M<>VW9QH4#'F M\9A#8#`&EFN"LB:.4E/1<1):,(\@+Y%(^AQ!(I,H"<-Y*?(!'H> M@8RZ7T;AX@&D'6!@/,"@RUR@'J"9CXU\W/&QKC/1=49=!O"070X*?-\W!PIM M@4(]T"C5'>A6`^'1R8:=F%`1,R$DL@F)]$-/3$(V*B@,`W.8V!8FUL.DIH-] MC)6]1/'4N2:V.(D6!WQ3G/M$B0.AFD`%]:2BHBG4BXH*T\EB2&VB4[T8L#'1 MJ5IU.)U2K<*P/ZE'F.NT(#&K'*,_D7%D=E'9BPA]WXS(;(>]#)C1CAN),O6C M>GX6F"[);#"]I,#:N+VD0,^"69`5U,6[T^,I'J!KMIH:PG/J"^'OG019/0V% M>M6$$XN8_:BOFFA&U5BM!L76JNFW&\_8KM5J4#+'PW74A(FC9(88JX6@61Z" M-!.9\I!G"TQ_E[&:"(Q,9"*98#41F&$B8#41L)N(/!F`[S,`5F<`NS/(["TO7V0`S_NQ`&O;@][V@$RQ'D!]49G^<0>#.;1!(LLKM=4. M(+:=>)^6T?O)^`?/4VX0):F/[26W<7;T4C&1-F5TN$C?@KB!C,:W:'&'3..P MN#/A^<87SQ`99KAF/M/>U;TO2>OE.3N2GUE]S*O&>:.,WY;:>\V!4D;X5OT; MGH@3R?;#0T$.3'R-1?5U%^SN@=%S__^"X9\6Z_]02P,$%`````@`'8?=1G#= MY1TD!@``9B(``!D```!X;"]W;W)K&ULC9K;7[&:,6$I!R7#4^'[)54W.Q>\TD)'&-;;)`)K-OOV"PHU9^%-W$,?[Z M@'YU2\(>O^7%K_(YRZK!G^/A5-X.GZOJY68T*N^?LV-:?LU?LE/]R6->'-.J M?EL\CT^&^: M'?*WVZ$87B[\V#\]5\V%T60\NMH][(_9J=SGIT&1/=X.OXF;.QDUR)GX>Y^] ME<;_@R;YGWG^JWFS>;@=!DT.V2&[KQH7:?WR.YMEAT/CJ8[\;^?T/69C:/Y_ M\;X\WVZ=_L^TS&;YX9_]0_5<9QL,!P_98_IZJ'[D;^NLNP?5.+S/#^7Y[^#^ MM:SRX\5D.#BF?]K7_>G\^M9^$@>=&3:@SH"N!M*$+/A3`R']M.AV7V>\!U+6"=8(0D5"MNI(OE4L897MS*V MT*F['Q$B:,8@T@I!721!F:)'`8I\H($T8ZAHHPB!1, M>,X@E4!/"RL<',8EAT((K1F4V'7;"<)ST@'4PX1$+&/H:L>HA)((ZZ%=>FA3 M#UPAV@@C\5W-3$8(!6?UW(0B7$,+QL1P=)::S<,`0FL34@'6@CF*[66JT\** M)F"X':-"TJBIW7%79NMC@D4NP2+>U."-32-3#HEUG3$H#&!US!FD-.YI#*(` M0DL&Q3%L1&L>KJ>GF1`)B4O(A.JU"-[=SH1T'&BL1^S2(^9ZP%8]C4WAM;;W MD9T@G(KP$,TM2N$ZXI3"'6O)J(A"Z&MM^4I@7AM&*<*UNS4ITA]V0)TNC(ID M)+$PB4N8A`F#6UO""A+6_XPQN`#FC%%PK!>,$7">+!D#I^S:P\TFX;)"(4Q& M:.AGQQA/ MY0EOTK@G>YO>Z65!L`JW'*(8WM[.RMQ8K;@@^-1[$80?>^$.?=I!ETAXR9LQ M2@B!H#F#R%YAN[,,]X0/%TN>5(2I-:-DSV&&02$^JFVY)PVA'4\JEGASP"AM M-!HN''Y*=<&2F$WP-),)F#.NCYC:E$;6P*86HI9T8"82M;6?P M+C<69<^\J-//HA"T^Y`7'(H[VU=?+W0^11#L,0(%6$'IIZ#T4E!Z*2B]%)1^ M"DHO!:67@M)'03NO'@6EGX+.IP[">NS0L\D7SF.R4-P)?"BS$N8)4`=!V!/* M>0(4FH>".Z658&>7).IY0B:<9Q=A'E[P,K<2;.,>&`<<'LBY*1?FKAP??U;" MW&2*0/4U7.]=R2V5?-'1L/Y&RKQ)_.PAW-BEB7$$%?)&?Y$R]_ MV-I6%/8VU&3@U=2DL_JE\&EJ4G@U->EL`))\FIID M&["8^IX\2_<7--*CJ4GIT=2DLP/(T*.IR="GJ4EG_4OET=2DXF/74_[26?Y2 M>S0UJ7FGH;[)YVP2,O)H:C+Z)-3(^)[WF!5/YY\OE(/[_/54-=_C&5>O/Y'X M1LWWQ-;UJ;C9"'!]*V[NVA]`O+N?C%_2I^ROM'C:G\K!S[RJ\N/YF^3'/*^R M.N_@:RW&J^3=JID7[,XCV396_7'[51_4$L#!!0````( M`!V'W48A;+_)Q@$``%`$```9````>&PO=V]R:W-H965TL1P*`/SH0^)J,Q\P%CW8[`J7Z0,PC[II>*4V.7:L!Z5D`[ M3^(,DS0M,:>32.K*UUY57\'N"14=SY+R?I'QWBY_=,4F=!6#0&J=`[7"! M!AAS0K;QWU7SUM(1X_E5_;M/:]V?J(9&LC]39T9K-DU0!ST],_,FEQ^P1GAT M@JUDVC]1>]9&\BLE09Q^A'$2?ES"FR_I2MLGD)5`-L+69Y^0KX3\1BA]TN#, MY_I&#:TK)1>DPE[,U&UY=LCMEVN1]D45/I=-IFWU4F<9^5KABU-:0<2#7F)0 ML8]I[H0V!+86-A]DS\?:@L0M\FRW18R)7-SUR/=ZY"%K'O-+LB]0[`D40:"( M,Q;IOY@FQCQEY2XU M39P$%7`6W*;[]FL.R=K1V,I-".8?SS<^_)C%277O_4%*'7TU==LOXX/6Q_LD MZ3<'V93]G3K*UCS9J:XIM;GM]DE_[&2Y'8.:.J&$B*0IJS9>+<:VEVZU4!^Z MKEKYTD7]1].4W=\'6:O3,H;XW/!:[0]Z:$A6B^02MZT:V?:5:J-.[I;Q-[A_ MIF20C(I?E3SUUO]H@']3ZGVX^;%=QF1@D+7M7]7INYQK2(<.-ZKNQ]]H M\]%KU9Q#XJ@IOZ9KU8[7T_0D)W,8'D#G`'H)`!X,8',`NS6`SP'\UH!T#DAO M#1!S@+@*2*;!&H?ZL=3E:M&I4]1-Z^-8#LL0[H69S$W4CXW=-(-FL'O3^KD" M8&21?`X]S2(ZBAYL$<44:T=18))'6\(%JGFR-2E'-<\N,8B+*#'E7FJF6,U\ MJIFZ/5RE$5.:2=2.(I$1@J=A@33,+H9@21Z8E02`"H&IUE5(K4"VO#.31Y@"9WIXFB M/+F=B!=9@>(X*K-IT3WWZ*A$QE*>;A2>>;A2I5R3/7DJK+,,UL0LF)PO9AQO#;' MC(4@J&SMRB@#SPZ$D&M#R+;//,Q9]#@,]/E:<@1SWSGR;/>3>X-BW M9^G8Q@P9P;W'55'F6SXA]P;;OCTO$[`=%P1+&PITLW)RA M<+:6[WWBRB#UF3,-F3.US?GZ93&?T&:-=X/-1S1'AFVPQ#J6'\N]_%EV^ZKM MHS>ES0E_/([OE-+2=$;N3)$'\S%XN:GE3@]_LZ'ZZ?-HNM'J>/[:NWQRKOX! M4$L#!!0````(`!V'W4:[:1TVW@,``"82```:````>&PO=V]R:W-H965T][^()")EBZ$&]O(W[_ZM1):P?*JRE_52U,UE>72K&[^GQ5.L&=[5T>]T^S651I:IP2GFX7WR&NRW$ M&FF)'ZF\5M9O1YM_5>J7OECO[Q>>]B`SN:MUB*3Y>I./,LMTI*;GWR;H>Y]: M:/^^17]NA]O8?TTJ^:BRG^F^/C5NO86SEX?DDM7?U?5%FC%P'7"GLJK]=':7 MJE;Y3;)P\N1/]YT6[?>U^R?RC(P6^$;@]X*^'UH0&$'P+F"3`F8$;*Z`&P&? M*Q!&(.8*0B,(YPHB(XCF"F(CB-\%8E*@Y[R;.6]N']!/-@PD;K=*VC7VE-3) M:EFJJU-V-\8YT?;)9@**^(*CD.-]1E[(X7[%84** M><%,1*;MPV%O/C:SM1$F8CK[`9E]UBV#`"^#P7A$Y[6#B@[RHIB"-@@"SF@S M;,H,PV8&B>.=&6;U$WEQ3$$;&PK#@--F^)09CLV07KC5C<]H*S;S3\1&\B*F MK`ADA5'I?Q!V-P%0S"-BA$\Q3XCAY'KX@A@0%/.,F(A"OLX(\X*8T"=GP69` M"'(6$..10]_:3.!']$2%4Q,5VA/%:;>AW8M@I-L0)<_:G)&5:,I*A)=O0(>( MIT+$.`2YO->QG5@?R'MV@R!RR%N$<#%2272]'#>L_[5O%(]T;"ASUP)I&#/D MR+>(&=MB@"["-\.X"C/2S-I0MQS3$[%!%"/WJRV.Q..1A05TP;Z9]O&Z"&G3 MOFV'T7DK78)>ZF-.644Z=@=%"@SS;E+#.#=CS M9#D"7(]&TAQ9'9&;P>9C9#N"8+.3A0]0Y1O6<7,HAG@JP>90C*"_$VP.'HCZ M.\&N]6B7R_+8OGZHG)VZ%+4^WENM_2N.S[Y^-!RT/\#="Q#M:_U*I'V4?`^_ M6IZ3H_PW*8]I43FOJFX>2=N'QX-2M6Q<>Y^:?)]DLN\O,GFH]<]03T3W&J.[ MJ-7Y]E:F?S6T^A]02P,$%`````@`'8?=1NXP0(!(!```RQ0``!H```!X;"]W M;W)KXW:G4E7- M25=!K?:OLZ_D94.3'C(@_CVI:V/]#GKR[UK_[!_^WKW.HIZ#*M2V[;O(NZ\/ MM5)%T??49?YE.GWD[`/MW[?>-\-P._KO>:-6NOAQVK7'CFTT"W9JGU^*]KN^ M_J7,&'C?X587S?`9;"]-J\M;R"PH\]_C]ZD:OJ_C/TEDPO``:@+H/>">!P^( M34#\"!#>`&8"V".`>0.X">"?#1`F0$P"PG&RAJE>YVV^7-3Z&M1C?9SSO@S) MB^@6(8S2%C:$88@T0*,\,)!(H9F-C9"+PT<38:-@XJS&<50&SB'$X(Z@: M0+%@&&9M8^9)[*#"/%08I")A&CY2878:EDB*H=8VBD82Y$]7#CDDJ!Z*DP4#L"@99A!C(NO3[2)A'7AD`T)RACG M*P$7=!DR"'*H+?')/YGH/ZH$*V(+>RQ145X#$*/H,F2PI]1%V><0!%J$X\A` M@$=(=(.N(4B@X\H`*'8=_:C/3&@$9QF7"VKK/U[%`((7,80XQ(WZ3(1.7@!P MH:"V.Q#<^"`&K:T,8.:IZSW!9S)T8C+XKJ.V>3CX/H5D#@@DZ[,?"NW'<<*A M\7.R3R$9@,QC%UV?TU';Z5SG(,J>LWT*R1P0R-7GP91 M4CJ.\M3G<73B<1,^YM6;`OOJ7G'0E^$:CHVKK7UKI+20`1Y^K'CU\^=__'JMI& M7]:K3?5?WCQNMT_OOONN6CQFZ[3J%4_9!GZY+\IUNH6/Y<-WU5.9I'OXC]]M_^D?O\.WN85D$'TL M-MO'"EY?9LOZSQ_3LA<-DS@:])-Q_<>;[`E^[-./H_J/+:/YTX=\DT7GVVQ= M_;>.QZ^SA[S:EBD,^2)=9_6G3HZO?SZ[CKX_OCBYO+Z*SB]..MHY@4F7Z0JZ M7V9?HO^:/3=:VI4E+LS[O%K`<[]F:8DK$)VFVT:O1T?]X=$PZ>CJ?;[*RN@$ MWGLHRD8_%\7F*%TL,G@&GECRT_6'W#;=/C\U>D_Z1_^U\X6KK,R+9>?(=?O^ MM__TG]HVT#5C5^$]?%F]]*3TV_KL^U_KWQS#JTM^?94^U'^]3U=58^2ZC\5Z M#91SLRT6O\71S6-:9E5TN=M66Z#X?--H2U[[)5NMCG[;%)_AU2RMB@VL_'E5 M[9I+?U%T-/%SL8+SEI:RP8U9Z@"%CJZSIZ+Y%4>5TOMPAC]Y&^2:Z?2QV M%2Q3HV-[J!OG]B2M'HF=+/"/[+_O\D_I"CM]U_GDJH_\6.V6AYMBR-@8=A(XWSSJ/=,ZT.1;JKH M$9O1/J*#']_?-#@Q/UAFBPRF#$-J#/8Z@YZ@&Z"":`W$]I`^9-$*WVJ2S7J= ME40<=[L*F&Y5=3VXJ>!Z`\/!47V>?HUZ+\ M+3KXVU__]?V/'[X_NOCU;W_]GX=1A1RD,8W%HMP!`>6;;0:,96N&6'_T3?@)NT7@>[PLWG#O@Q\A20&98_-;"[<[EP:.7 M'K1GL$$#&?"M^WP!9$6,949?$9 M%GJ-XVA?VE6>WN4K.J8=1-3]P-F__'1^V[AU@*#N,^#.R_;-EZNEG3"62V*I MT.U3FB]A1X#)/.4PC!82VJUW*V+0RPR6L;ERMR#653NX2"J^Q=)MM"BJYIDR M+?&2P`A!)'S,-E7^"9C&!SAAAR#1+(JF8,1+=`:G!FZ4XRUPQKO=%NDXVA8@ MFY2?H#DX(XNB?(JQB5X;W2U`$"R+U0HI24FKO:.,.GIQG]Q1;C[[=3?;58J7 M[&.V!3)=5:^^Z.K,VUP%T7V:EQ'<+;O&6MZ`;`,/G,(N`5N'PX'+^+2?F%[S M#LXB^OGW]@CK"@NY9$F:?\N4`9-HTY#=_]Y6]XA95BS;]UM4L<26[K:/19G_ MI3G(MJ?;I]/VY)XANE/7,`A/;^,R^-!V_7Z4._[H+EW\AAOFB/=5PDZ7I!*,I'.@ MV1=04*OF2!V[?RUWKW4K[3;8#\F&>X=V51:?\@KI]`69HZ6M*+V'ST#@KVW" MWL(=>R87(NA\T7TF"[(`LGQH-D]H MJRQ4?WS5*;31DP2?45FQ$ MM@ODV]8+OITN-LV%WKL7761YMGY:%<\9+"K^2X@5>0MF#^R*9.HGE(1W MZXX3O&E9C^8Q)JK_3K?[+H.]R?0P;-,O;3Q$?]-&HP-9NX:J$G!/6!CMYKNN M+6P^`E)0**1L:@)(WB&`O*:MUP@\(DY]%YVEY08E\0CX/I(/"85XO32)3)^\ M@B?)%A%#'U6^>,V#I_EJMVV[U3HOHE#\D_V18;LG_[@[BF7.12AS\D+S,M,9 MP($AC?SI^`[M=(MMPY)W\IAN'I#6HMT&>0S>^M&#Y3V6IT5I0P5O/6N^5:1- M/-S%W2I_X(NZJ2DO5J".L59#C,"QK(I8/W9#:]SLOD*SU6*R` MLU7?JCK2:7LF?M:MM;&D]Z>/V?HN*YMD9L7!KH>,'GMP)ZW'=KS05NLYG M0QGS54V^N,&=K<`]V*:@=3[?NA>@>UKKW[#E%L`YP6!.,_[KL'-?_W0-0XG> M%^7GM%PVNK\R%&\.1_VQ/R6--]L8D3!ZYB#[#M`M7*'5/4JEV?9SEFVBNF*+ M,L'):Q3=0&N/@-/EGUKTV->L0 M;V6T"L&(DB&M7#*C]^]W)6W2,ML"_WPEK^!+#O_A M\I>;Z/WUY`7M:AA)_ASP,NAJ,(_=: M08H&]/PO>U_ZV*;NA(;\5K/Y%6H$V5(LHH%>ME]/.B8+,NS,TZX$Y1`G)T;5 MO%Q&3VG9IM8?*,L^A-,HS!L.2_IZT_:Q70M:''@W4_*G+5.-A-T]>47,1#[I M==VASNYOO:/AHSUVC(X)%WL,],%E5G]ECUWYXK6'X"6.='[Q\]G-"QSI2C8] ME(_?12_[J$*">RIACOD3F:Z?Z;C'D1A`2:9=I*N5&")4"OZWZTY<>=ACK9^7 M'&N79?X@+*!J.3_>X]9J2XN^Y@A=N2DL@"_#IYW7%YGRVS]1.?C0"=!.I.Z55KMSY9XGEH=::_C4B\:A=R1.-A5Q%X.@\/! MV_)UA^/]^<7QQM!]]YJ+J,F:V>N39FX%^8Z:W6;YJ MIYTPON_\HK3QBLO1M04W6O$RG=)TT7>'4LA1EYF[PPAVVR:%M8H#+X[CLGQ( M-W+]-7Z[_N'XXOS_!%'U\F*/0<4V$4=>MM8+%33F"H;C;`W>?V9$[U.X6T'P MVH%\^Z?;[,LV^GX%;*39EQW2!;)F8@N%]XFTB9K1`0XE(E?,4;HJ-AG*9CG< M!*A[_.VO_XKZ;KIY_MM?_R?:D>$+C_-"[WPKQZ3-=W91K]"+H:DOH)#+`7PV\P/B+[+#H%3>LS]JJ#AU7JU8;P;?72 MB-_??!\AOH,@3]2'M(!FCMT&5;K3[%.V*HB7TS/2%R$=3DY.3]RHJ;$3$,GR MK3;V^3%?/$9Y%2T8KK1Z=A/H@5Z5\=K`!0*[N$[_7."%?,1C-=9Y'1/)J78, ML"+!2;"'NX33@F=PS9OZ/KLK=XBJ&O3[HYY?^Q@W(Z06^@H^?L[TKUWEMZS8 ME?B!K$65JKGR9H0T^$"*,1'.PNJC=O'-Y)$"483%V=)(D_EH)AX$.'_V"/"/ M'RS22^ZW$27BVUQ!R,XQ%C.(7>]RCM_U>/R&#.ST? MC#29TD@GP4C73ZN,V`+I1X7AB'P?I'M&K4?^.GC/'9>[;)&BJMYQ1)])+?>T MU0..%]UD3UNRNB$9#^.`]H36A3((#4A.PELZ">=N./291D'V8O@2:#1#P17D M&>*ZN+ADPZ$WC>?>6,^#FQ@;>5*Y#I7`C;GH4>?=L<7V'K&&^`+RVNC/P%_0 M)KX#V6>)(C=9/N_@E9UL97WZ:$TJE^2KHC-V[*U+-W@'I"7T?U(LO74?#?_OI_VQO$X>*P M4;B*V!NPI1L8FU&OG!C.@,,\EL7N@?G)'?KI'EN6'S?N?K?AU0\Q>D;&-&A! M/`/K?+ME:;+M-%X7WA47#;1]3)*!\#5QO]4P> MZ(R>7,CUDK/]GN\)^$'57#Z:CFE/R329Q'NO6+J#VJ0$7&J8-/,N_$.$N1,2 MAO&UTPSW(KHLT3+*)^4-M4G?O*%GPDN"?XGY*D`;(MYIJ^>8'RT>,EIQ:HA; M?7/(-(M?7=[?HR,>W2*/97Z_C6YV3^B<)T/4P9O+VYLWA[S\\*?R.G@11BM# M9!/4[@GY$/J6(M!S0"EB*6<$+Q%*[P>B=ONS@HE"M\*E8[ M=+YMGY]XD>#YE6PPFSM(<$;Z,1W&/`2@X/:>LR_DM?YD.@9M"*8$BQ>I:PNF MQCWPZ"KGA@^#[X7G=W?\UY$_[R#%@>)4DXE2XRG6V!!VV;E`RO,Z;LF^<*V#/;./9VYVFKUI>G M#!T5V6Q9E:&O2)!:/".9G)P@F5RBK^$3WPI#MOOSQ0"_HQV=U]/UZB@$?WY, MD>6RU9,>DM_DU*.I9IM7O"&KE8ZA1.9>>MMZ;49L4BO921`VR0_<9<[0FBV9 ML8N_[(\9.%+>!I6[S0,=]>@-+.+N;D5&VPWWQ&<:GRRS50ZD2#N,DP1V593^ M0:"Z-3+V):I=K@LA>CR>)+P"#]BMMBI^-+N#P5;YP\9(52'%/=*04:'.-L'B MP.[^\P[TFL%<"=F2:YGF.+*WXW&TSEU`Y&8Z$;FY>*I9U4QAZ MTANYP5L+A7B4&$%%MR4LE$H;&1USG,@G=.3L*C6F5TY^%0\57S>R(K1>/)[@ M*[@54MHPN[AP)-?I;RBAZ;/YYL]LI<..WPZG9MR>-`K9,0E02HC`3[.%RFVX MA^F&;^2WOHEF'TB<:V!XMG4>.YR]-"?GF9P^]IJ8":&$#(]M4SH>(8L63QK) MJ*@+;T$G7CCY!=4TQZ!PSSCG?XRQ-S$';;V$7XMA+O``@Z]R"8 M%;WH!F20%6^?/(_#@.%OZ19.-ZZ]V#$;BOK@\:Q!Y;_+_+RT-UZE4*$9A[(( M#*8R;E6X-E5)>D*#'9)/0L:E9`P;0C>=*#/5$URGO>@8Q"(X:GBIX;O$ANA5 MM#<`"MDMA#5L=G2(T3+E$<"&JP8+0MKM(![-X7_0'ZQ- M,IG$R22)PN'-[/"<^U_747@2+,#^Z8,J#,+.8#8QPQ%IN+E-^RC(J^=T\*'- M_BSN#^>O:'>HIM1AD)(#+$RA@8&2(*( M/+UD$EZ1C2[ZG`%O<]2^81L>,S9081$[H"`B4EVQC>7.72[W'&OXC%&)&4:G M(D`"*($1$OV$F;`"/+DS%LC1J9O"DYG`0K^MZ#)G'Q2C;U6?PXZ6*9]W,Z86 M$]X3L+@%2_(P?E3S_*CIAG,+1>O)5(MB\HJ>6Z=?\O5NK5QXB>3,=SW=`[+L M'J)I--E;UTU:&:D$N:.]T(:.J/2&R>GPHE4#W?`E+F'JMHQAO7"!CH8#U%T) M7*$[NPJF1J;$4!1JD09A6W#@R/S+LBBUBV`< MS9$"1_8274W<:!I2M-DXJ=$_R.SO5B0PLEQ#Y78$#*W!._1R(71 MMTY=Z*!$6A$K2Z:KB@`67HT*!\3VMA:@&5Y7YNNB!0F%URJ.D-5-?T!H&)7% MY2T\+D]D.+HJ2M0(['(":=?@0>YP,SSHB>"-Q9/S..1HCEM;GX,'#^GJU1;( M+68/?MFD#SS*.K%X@T[E71=TKE$H7Z,4P42R!C%V2VM4$_M9.[=X3QAPC$]5 MN\5CC&=TL=HMB1"8*O&.!ZZDRBR]J3N.$C"&J[\T*32D/:J$4Y(57)F8.Z`* MN7-O_4L-9]4.KE)U)]RPW2;=`=UGCHI7SV;Q@)^E#?S/S6Z]%G/F#:A`9)N# M+3"VNRMD<"UNO)N?/GX\OOXUNGP?W9S_<''^_OSD^.(V.CXYN?SI@E`-5Y+%>Z'.O5^HK!H!X;!$!K+&P25=X%7JW&6DB+[Q!'BJD'8NHJ]M' MC=5:F;&(RH%YF:(I`C^+=4O$>SPM;:XBD$KB=M=/=`PW<666GMPY:B-W)^191*P<_'!]?'9).QXWJ>7MQ.`A/<0R(M#.RHBR=GHG6W#5% MP]+%`5H5XS'$JI>RRLL&&+DQ^$ZOC$F.W#@V$M(1B@H;C<$&S-N/W-LNL$V4 MEC<[!7>HKJT7%#OP\<\-WU-``#(TH*\_T[B+@!ZZ)XM^269^R#EQ`D3V79'? M,;EVW(70<(S'$0<#N"<<<`QE'6MF)-'/16>&BY&C,DR9*$`L^N41X8MF-W>5 M#2B`AWWN$4$\PL3_XE131?C$JH6K+.'\B9VSC;SJ_KE$/HQJ>NN\FSJM$U'M M!0V[7*Q!_;?V+F;\*6HBP#VRIF<;K57`-5DB47>#]30LF!4$JW:\("^?2CT+ M4MB7^3W>1(8R\$)AY!0Z-0QA]%S."XD'"X8L=B,Z'7G%3)#==U_$9HT__7FW M?%"6*O>L(\1V0V3=Y?`M'MP'E).*DJYWLJ9OLX>2D&BELP%F7U(')958K5C. M"083D\#Y*<\^UQ4@E(HZ=Y]DBIP,!'!]<4J#YLZ[`R$B/!I,D1J$X]1W,R#1 MKR-%(P2_1(Z.^J!1.&-^)]([=!_9,^-/$H]A'8DA"79*61@T85:XMG>;5QBE MG(,D7Q&O`T:_R\2H\;22NX'MP86JJD)%9++M1>]AE.*=MN\P69FWF-)%5`2Z M4SG+T=%SI-&;'WXGK7)*.H$/L>=^.^G)"! M/\3N9G$Y5I8^[!2/=;YE=3-V&B3['^%:61I&4#W"&(Y(!S;,@!>J8*3ERL(V M:87+#!.-4'(H)#DX.3U'K+876'M_;]-72*+%)CM:`K7S69,C\-KIN%5(PWA' M370A0@%[OH22ZEX@]D$0WR1AQYH;*[0G\6/N_B?OP)HQS0PIC#X3R=SA)0-# M(".N8W^L^)(`$32D/08F02+0-'`VTUZ1E+6*3:HN67914S M#Q+JN--@C,T1X:#]B'`NB%GATNP>T(]J`Y5-RMQX]YTBX MZPQN5R"\3^*B9G\"2;HLR*'GYH7QK=&?.Q%9R)8+,VW-30ZO>\MAWPNGC`O5_7(RIH\B^:M M=$516R+\L(R:FTA2VJ7_OB/W`YU>?`%5EX5TA#OHGHZMJ`M<(W.C99+I:HBB M6$$S6Z6EF4A`XJRMX,S0T,G'A?BE0\&LO"?<7%BXOT*M:Q5"-VABHNNC245" M:W584O>>\+53BPY6Y)LXF=1(LW&H@]#$AD+G;L$`&A+EG!@'U)@O@9KR>V8S M&8MA&5N$+301U^>1147X)Z7K0-(LP0OX7KES7)MF!#N,<+E"=Q.AXNW`KC8M3% MP9OWQS??OSF,'C!;#-QI<!/WK5+$40VM:?/+:G&VUO663LK*?K8*FLB95(W!1!O=)MO,;( MOE7^&\);R$J'+];@"BB!LO,_,`H0O\.GW%"<$X.9M@MPXZ/B)^,GS\M%@B!? M#21&9'%AY
7NW=GM(V<@R""GO1*7MVC-&ZHD!7ZH/LJ:0QO$1&$F?&9F'O+/BA M=BHE.J?.Z05<$@;OZP7B%M,J29%$IBZ4K2BFD6_O7L0!1S]J\,(-GGC^#ELE M669=?&):"L,':RD$Z-;EG;$!D*"`B*:HQ)B2_M?S??I@Q+HNWZ$/R)K*8SXA3C=R`<7[-Z;%\AD@"#U'TWGJGPJKDRR/9 M9`KN%/7,#ZG"L02JN_+VI4J+U"A3?M4F)KFQW9.8X:TG(G#AR43EULMKWJK% M^UVLB@="2PHQD"\45AA$%$0=&[^89R)^"C0#MD*H[P(W@\6W6GP)KT=;_\_. M!E"?UB>.*3!2'/&.O(2+`_WD"Y01?JR]0@*1F*G,F\X"6Y!M2%2WF#PFC!MQ M!CJ*(%\]XYJI&6KIXM!BX9=^P]%N">/<,,).B)M-PAL%W:"(@#&KFRV_R(=9 MQ17ZBA"1\!JL=R4(^\WR.U0]B7!X_,1#ZXM8Z:F]=E&Q43W_9OTD[3843F0@ MQ.F*#1M/JQUY9!S_5*T@=FJ9M6)W;CB:!3+T0&^\",``/IYOX4,BZ2C7`G`; MS[B,4TX/B4F+?\&>Y!-9T:$S^.,E!UMT=^2&_^*H=;'8?$5*4Z:69K$1L&1F MXZWN(]:;G,)$'G?1/59PY3C3$.4_D#51[2L\ORP=G$O=$)*5E3GRP?"I"+/6"!TD* MN8;F(@]%,0UF<<<*%UE`^%(D!ML]ZIBO-)VQ1LF#K$5-\NE7U![ADF#[2.!O MY)0#VM#%=Z^1V&HZY4`>E/Y9IZ0-8DD`1K\5A+2&H;*0:!%-#6:#"^;1#U5] M3#$:BS)^EQQ&Y%BI*HNR,9J\K*GCJ`B"JX^>#5R@A`N:KH4(_"@90")#3:/(3@W/Q]3"(Z3N'YP M=MMPJNZ.)?4L>V``8%8MRN(SJ1H4/N!(*I0(8G=-AVX\W%:$<,"TZA=RC.NQ M9[7\G43+%2QYF[;D4*LD\CK-D"CIM2M&S@QJ[!,K9T(LN37GF3GQT;/;+K>C M+$9`?#5"L5@!K]B2XSPUDI@L-'1V@*VBY^5IE1E"1BENM\U7Y$**[LKBMZS4 MR"?D'D\@Z!>;0_.&M]R3;(]0XRVI2,%P`WDWK63H;J,*CWY)+8TW)WB_6ZW\ MV[(6JE5\S=Z@I\6V+\.$,[,0"PFO@X^+([B'IT9'(LITC'?FI>WZ2CH*TZ5_ MT'/U@5RE'UCJ.GAS_.'#AS>'3-D47K-P-@5Q'N`3X4&)Q2P4A./A&Q3A#F(X MAJA<,7#1)&UCNG[5L/!!X!S[VA.6LLI(#M*0C),3[,?!GQ**B>E+-'=+#.'- M":(*MT"BBRH:C?M'@W[T!D=!Z;I@&Z%O$&(X8&28](\2^-V8K%!-)AL)!@91 M5F2_7ZCUTP1[;\B"N,J_8K7$S%&%!G$V-]8V*(3#Q_*JDF#-?B!P#FD%I9U/ M^1+O5A1L5MDZJO*M^(_Y4L/#+>B35+/NEJ%MGB3"FA?6F,R3+"G<:H25!3@:;:!2!D9IPSPO)GWZJ4!_6(XK MB5`1,A%5'H.1;U`:(DIV83K.1.SV*!PA2T\6*:1(`2?$HAC`&ZT$CK.BMT/$ M"*^H!QIAO,NNPBLMERO;]J,KR]F%!-!4R%_`]]DLQ(+\PF4%=9O0NNC.J>3" MTG7R#`I@<$Y.,(DT#'_2>9$4@&@8`8V7&9&BV(O16+U887DC-&.PJ=;%:9;U M-MU^N:-.6TR(9X:I<@>(F-B@&D)=*)+"FZUI7.@40*<:&9R$H-@3R=ID0"`! M+:0-TA1QT+G0_0WAS';D"<\VJ1AO4A4@G/_:2YPO<'EE\HZ_&D:JAT`(B\B8 M\L0$DX'^'XMU@2-`FGXJBI7)%65,68\Y:C!H-.0FE*.0)<(PBPWNH)K+,2W. MI[PL-H1T7H5L"(EXZW1N%H3(P82#$,1^.!R4O^F.Q2)/G'V@S-[!W?K_1,G1 M*'H/O`FV$#]^1,_HO?]LRKE0#9@SQO/P3QM.=(#L`K_X7N/:68G'KVZ^/S:? M.+OF@:O\@DMP"5N[+--[A\RM#LT,<*IJC*VRAQ*U`8U*(9'.N9)HFR30F(RO MF.@+.[V"OWDL*"?!%#[B#LJ0,99`W$WT^;0``@$YT=N=2#WCA:Z"A<;-PSYY M:WAG`E70A#?7Z-3;$IWLYK>.>O4<"WF&(2%[2WW*4SI'Q6^8I=_=EZ*@\!&L M4Y\Q?]X],PZ83^)"BHB1(_@+,GQG)88WT!::/C@.9^T$SCK`W@TF.*-2:L/$ M89@]AN,@<[A$ZNQ0[*V-1YA7Q8YH^1"'"^P6UMF][W5/.ANF2(GVUOU.D`+3 MNOZVK(1Z[ITAD$6T:.(T0?YY2H@\4P=?W$XACL:BA+2Z!"[V5:D-2P MQ,&2[RZN=<&T*.TH]A#?E_/3(I>ZW8HO0W@UOQX4Z]3%3 M\KKU\^%31XN4=5;293UP8>SJ\-`]M'@1=4_@T:4Q3A#BBR+,<3@ M>KK22D]%3@8/746)!B+`Q*X4?;SE07?D\\I3?JQ621L*5]-1G#15L:'>;)CA ME-Z&H/'A%<<""KO"A&#H[Z4Y.R]#$'IS!ZOXB!X18AIKM-K4K_,,:3@399Y- MOS*P#0EW;#>C:Z'B,&3.9T.Q]6*#A"Y3%7]8C.+U3==L[JGP(;3V&H.L,ZR@ M$$:V]4=0O#!G%05H9VNZ@TETI"0&S(G)^@K48,R>R4#AE&YQK+M-4VK8\`2# MQJTHJ84(TRZ[1FC@)Z.0E\F5/_RHX\V;,U1POX24M04 M]K98MR)5?4EH10+[H5L40T\:/\<\V9%,BSQIM#O#2A:(@0:ZZD7?"]%88=A< M>RK!Z]JO$-L!PKO:Q/5JY=Y'X\ECHW8@BC#D`/%&26/Q2[$AI3`9V+>9SF^K0,1R(Q>ON)][QRWSM"? M<"2#P-Z(XFS2L_4`5N*+>-(H+WR'_-]+O`ZMSFX4:C(2((Z=4&4.B<3JM7J! MX@"KH)*(G30HRH.F!4YE=5QH#@4'<-L4<':@+ZS^GZZ1^B*S?4(,^KVC%7M-XPS$ECF":7DUMY44>9WT,[I#1>\Y?0R+0Y MU[W6-4G*T.*FT(&>^!]_9C`(=#-CAI!]`;F;>*6_=QCO1Y<]ZB2E%QH-IJ]F M('.LE.Z;VILXA.`+Z'\N_;L>F1`0L%-N>%:+S,>F41;XK8^36X&6NA*VX*Z( M,&%2;6`>>1NR`T?`.6=Y\P<#CI>.YCV/!L9]H]IDEPV%;S<-*`BN4YBW'+IA)="_KL7C!%B,&=81WHIDWJT(76X46.B]>[AEQ7AN0 M<>K54$GL<29KZ-Z1N'@I?&E7.8G2Q:A(AA?%T[.)0"5KX]=D7Y4,>:E@(>N% M)2@O$2B1@"R"1,)(XRF#&MCJ4=&-=_MU_B6'([$0O73S;67DN@`O'^.U<^L? M*^YP"B0`"\LG]]X_("L?\I.AY[7FJ;1@.=((FLQ!88$N)(>N^L5C48@(;H7W MMOT3E5?]36QK/+I[/J)>&5QZKZ910R_.-XC/Q20H/FW=D_IC)S_K13\(0EG) MIK+'@"R6G2\+AOIC4/.1#[R06.#$9*KWE"7 M9QSS@J(*PXZU#A>*W%0"KE8`"_( MTV*.2#9N:.<_4W;G76C&B?*[&&$O8-;BY:I"A[9XQH@TR7,NR>9H$RG+/R6@ M):D8O_B0D"N,2J_GO^!OG7;KA&XEB=U&00X*W<&>;5`=S\UE>A11 MT6&OG`#GSG_Z`,S-0]0=%;.%CFG!^_L=ZD:?:V`V")`O3\-%Q!Q[SJ\H`)ORL;;."V!K#\]"#TC85J&7FR@C=_@X6[JX??SEX M;J<7Q88B=]*[(DBR36O1`35JX!D"G!&I[VS/66B,M6X#:DN8&18#?Y51A&@> M&XN`2Z4D:*`;>WM2DWC*45$=H`>5!S22P88(T&I1R`/["5L2"?OH$KZBV+@( MS*RQ,A0J4'K;G!_9,@`)8]HS.9>G>"ZOW;G,ED(C>"[%GX.7F[`Z^IN/B\]? ML::K1@-Y`2LNHH3 MV&>0X%[$RBEA2?8N%GH[PFB:@I\/.&Q(?EQJC>]^,R7>PTZQT$5H=\J'JJ?6 M7T#\.HD*$NOQGHVX70)0VTIMFL$W7H)1S$36$F3I;!@EIA\F7(G@>+EO,NUY MUN1$/HX[(;">MYWRD@GDR@3QY8$N<7HMQY=#0-J!RTP_6T0NT\F6VSUKA25U M;)7XRUS0"$P,X4_;J,J_.'OF=1;D&,(]^@7V(]W`6JAVV'3=8&$$9Y*'#W.S M*8JEAW&@SUCLL=`)BT4HCS:3CE-$OBZ2RR>AT?(7J03%:[EQ6[.`Y);W%Q^/ M66ZY=8V0#XT;+B)\P*^6\^66P?1Y+)]Y_FJKYL:T'7*[4&YG#G''Z&+"'9]M MMAR]=?##S5EU:&Y3,76\0/#,1L$>#;`TDL=LG055*TB:$,-GY38YPIPH5LES M3!D+'&(=&)3-.I4)TSX[H@O)C(U&'Q]>9^O4";61HQ+N$/(TBFV37Y,QYIDS MO-C^C#6/)+Q$FU5`&)T,MV4.LB/SCH,53#E" MC2V>XEL(3=M>!',X&[XTQ2P*&^4WA_@W:AS/F0G>L`>3)@"#LV<&E*'?^+!0 M2Z!GY.N*N?8JC!FO@K4C,X;/MT;_K#FH:#\U0&@T%B?=32$V?79D!K)JWJ:]/^*Y15U5YUI!3W]_2G\ MW578DV5=P]+3`;N/5IQ[TF43(=]03ED$@.KU3Y1_T'XI(8#WNW+#YZC1/MFU M@:@ITTGXEG3"$E.86G1/Z=->M+\RJL9:Z\QV/C$%7_5EFC\\;H\(^5C/9N)Q M83:I18;(+@IQ>Q=]KXL12591-Z$HZ>,V#L82)_Z^!KN!DH M`MKU?R^A5!HCK^F!:7WA/G(@QY@,9+GZ._,-VQE\X[0V8D.6K-_NQI8$?2I\ MB(2G8`V?3>E'=-:2GXWQ=.LE0HI347-",^N869K>'$U:+E2B*[X=2CE!+*-LEN?S\H,FQTY%*;X;7#L6D<_T MZ&U!]QI!W)V$H!?]@@$B@7\Y;-+$Q83-Y-;&S36_?4K9<61+?5'L,64KKJS* M@_>>`<,5>+DYX?V&TEOC_*_Q9%:<`%02VTMV94ER4+E'-6=E&>9T8*CHL4]H MZ0SCM10[%I5Z25GFK@VG31=")W?/3OX4O_,RD\LGSW8D$9B?@QB;6B(#`1&* M;JN&KD;,F;RFX#$:B&#SB4]ZOJ0Y;RA`&:ZL,,^=#6%V\E0COZ7[VBF\+JN/ M@W0@X&+KRO`%BQBF#PA2&+NL"T6X#&$^AS;'C[A':0=#:RVS!%\3BFL8;;P] MP,6:V5`,YX=W&!3O):S8*O-3,1!IDG'<2-2VA8JX77T,S-:PQ* M+2$:*"!5VQ`6)TS;-J(QU"S?KMG]E[K0?S&6(:.^;DV[JL'9LB^:((B6R\EL MB#HP$D-9S]IB"@NBZI.6DA_8WQ(=J4WVMYQ6I@5;US003]7*TY)IJ.$BF8[Z M'`GFVZ*Z6W@UK2F+1FQD`[Y>;!K<9^D[^VJ-D=V-Y.KGW;!LTEGEU45 M'U1:6!5D2"AZF02XMC.)\<:-I&FV9,JMXV21)/"HF_GI9BBOJ5Q1O=+J?#8? M)A=Y3+^PUE':&@5RQ$-0QB88FF37L4$Y,%Z&`0HS]U0O&Q0*1NPUL.$@&58I MY5!J6K-?V,-I\AQT+8[:P.'225MMO/<2$Z1*AN&->*UKKBC!#"@C<`'3DORQ MK65.D!2D@@E@?<\.1QL5+DZXUWU@:MNOQ/H'-)82/"0_*X78A=+.[B^O?PIJ3] MPP`48IZ$6;$7Y&^?SYI5/< MEPP3[MJ[FY$"C_E=[FKXPL7(MY+L);V#4\#4SIR%R68[UO)6<'MA4;BM"C*! M2[&K.B<\:Q/L27YYMG+@2?09@7WF>>F<5O:!+/W.^>&!,&[D:%O+HG-$02;1 MD8><'X$XINU0=[9LYU'G@/&;(U?7BB+=[*%S.EZ)6A,N2XXJSSV/(A2NS)28/_<@OU51`4G>$O,0EH->: MLP>0TA-DO,PDX^65N,VOJ*C-;;!#6HK(I";R/E65\DDWC.N2%PM9!*\IQ5R/ MAL@@_([B2SZC1506'9-I.K`#7WP!7DX4-YLIJ:9X"+2-7:I"*S;LB')6+REM M>5I*>M9/#`=6JSL%V<`%1GZ+$%VNGFB.7G/!8HIH+#.0%,F[2E6I6.H*\[,& M%O0J$VP/GCLS2$E1M-GLR`M&YG0V.FC8@<$`U(HG*AX"LRW+LCVE6X3CTM3* M;>HQYCA:Y#92_(#VZ8%6S*6 M)BYK.IGD=9=H5^4;MCPUBC580B;+RT'>RWJQM\2XJ#1#/([&G'SJ$26!2O52 MV>_#NF7RSA6ZEK-N\H\>`4/J11CY"W67AF) MAWT@*K?9$&;[F9E*/^DN5F/RM MR?D#D>.QY\1CW(*Z=9RZ#^$Q+@^QF!.HZ)QUS/DR.?'-S_!2SWZ]:@/#[SQ63M1&.P"^)$R M$60%.@A0OJ,^\,;ZXO+H/9[&FK9/+'1I&;D4"L[XSGA"LJ2^]Y;LWAO1;&%' M>1N@RQ+3DW/21C2&'(G;<\&.7\I+0Z,I0Y,Y!82'GGF15>GG>P8G;`/TI\=\ M!$@A:Y!U%FNM))_*\2Y*(P:UHJ\6N@HU5,4B7*R[YY<[=PY_M0IQHMRZ8\!# MG"DCR(*::U9"]T:BZ,]`#!5&=1*9UNB),"X.5\=6(1)(1#<3C085\7SM%#:1 M[L)'X0`]Y!N2#1@*X[-?<;7BL1@YM)AB<4^C,2-!0<')69A1F5+`N=*'Y#I: MN`Q>7H+].B1)X:M>HGO#6:#)\U'S2+G*2ZA&)$D3*("%7K;%T3T"6EH0:7:K M]V\L@^H8(MR1W>)MTIMKJ>Y&A_ ML2G'M;7,%EP*R?AQ73@OE1I"=\66\>",4<`..55MD-J3U(*"U/J<,#[YMJK] M2E9*-FU2N(C:U>0XP?,KU;[Y607)UFRLF9V!E.`M3.;/G"L^T#-2E8@GHA$, MF7@2M!$-7':UCFIA:2XYPYZ%UGCFH-B.Q'+&/G&F5.ZQT:,&>FN95FQ6`S.@ M2Z0T(U.9^-UJ]\@;,QQ@G,K18%Q3!@W!W`65.B1?#T8K^*5YYRO%M%3\08VG M4\3?I);Z!',Z(8@]F\-_X&_[P/%_9K"9\3MKQ0N<;JZZJ@O4T,N^`Q M)7T>4TN;]04PKGAD?9O"CJF]!$J7/]]#81@$02H/C-S?U;;R@DV75@=4OU!H M9+-LJ6S4&-0[K`HI/?Y08DX$4^;$U\MYR_R:BQ97Y%(57Z0DAWP/0SNBD.%: M?1ZL@?#.R46ZSW[L[RS.=S\"^6TTCL?3,?P[A_\=C*?1(7\WF+;`9UP3IF8J M['D\[8\14G20#/!]^&(\F[T2`@T/S^&4#)A,9'0M9)/T!_%@V,=_X94X M&?$BP5^S,5<+`'KZ*/3T!^WK,$[Z_6@P'-!`A_$0_GK=ALSBR7@<37GA9_$4 M7N29-2A_ST8D23R%5H;].363#.(^K&[;8OH-QK\[>H+FYH.!;6XP3.1AT^M; M>'`4)T`!;Z,1R%)O_7+C3\-XA-OT'XUAC/Y0AA']+V`8\RFN,.X$K/"PKSQC M,AF_FF<,XF32YT,T!LHXQ"T>SR>O9QJS.5/.P6@R8:XQ`I(0KC'W7&/^"JXQ MC_O3F9QH."G".*:CY#6,8PP$-^:7!_&3.4;HR[CD\.H_'CI); M"&@^`DH?R@OQ=(J<:38'5I7\VS&.Z6@8#09C81SSR6LY^1A6<2X+,4-.#@.> M3WX'\YC%,SCL.`1I"+A0*_<8]#WWP+\[NH+M'0U-#ZYD$KLS7\"EZ+5I_\V2=*U3P_%,[DX;:MT2H?FZT:S;)HED1*E1%W#QD*% MRERS$!8L'BT$Z6_RLQ3&>COHS9PD^T+;+C@K%B\L6>#0C"^EZT"/!M:A^Q!I MJ(HM_YDNV1H8RKG4FW-=H!IRR^:T03]6*Z://##E23"-0X;$,`/I6R.2I>:4 MB2>]%0"@*=][.8A#[L4,3N9`H*Z`M^RDOH@V,8/-V><.+9BVR@; MYX3EVRJ08K&Q269,+N3[?>-2EV7!>/A7LV4:GT0*8IJEZDAC&-$]R?955)B_ M/NZ0)OG*:YO>^_'#QQ,91BG%2"F8P8P#[DP,_>D<)Q2P"2:-TZF.31R'H4DM*5BW%B4 M5EVG,*?.;V9BUXY_<,B\JS`3-;*J]8"$:6 M/MI\W:9KD^"^N"//ATMDPN50VVP2SD+TM,J6#R&1$P<<&'M%&F3!(4.D%.7Q MR&2)0WB51E]C8`(<[I3,R9+5!DCMH];83]IB#_^W_\.A7`"?0BUK/^C()0/`!1N_G-RZ(Q6Q-`U)_# M_7XPZ:,@-9C$(Y"`1SN,A_-:4[`Z20R?9B98]CV>D/YL/G6)SU36().[/ M^RBA@S0WGWOU<)K$H]&@3214DXBT\-:W\59;"=1,;>G?FXA'_S\EXH/A8,`; M`?*K[`T>::+YWM!%NW2">#N1DH9&AS]_QS-[JW$*M#/3C_HQ6]N3ZF!P488PH01#F M(!6G=3$.T=SL"[N/@"AJTGG+46M>$U;B'8XZY5Q*06]N_-\3@LF5`-K/RS-[82"" M`&O=KGM-EE9G?QU.!!?PQ!#=EM+(&.%%$%-RP3J$DHD@"#,"D9XI0-TX@)MS MU(;4-(GK<74AWV=`9UZ)"P9$0$V*VFR1'WNY.>DYR`SA,P_?KQ#@D;KX3QOR MQVA0BFFQ^8U('=.%$%B8+F'LH]@E^"BCHF1R#6I)$I?!5G(CNG5GD5P"5OW& M!$&W4A&5=@6'C5&Z&DJ8G0N\FZ``GS83$: MH.;\4V9D_7JMF@8#\)DAY)B(>D-'X\$=C6^-1BL#)+>O3PJK^><1:+6N)?VX M`W$^^V2`Q%6K]%%2H1U=2=UCBTJB;39E6]A@)98)52-4_V'`^Z.FQS&39G2D MNS=$&[%ISCCC2KWT8[IYL7RY8N@$RVT*Q9(,W(% MZV/-Z!6`]-OB5SQX6S%U=`*EL)&%4E+M<;-2SX(@$\W8Y=^6/3'SL!#*X=!Y6JN;!32KWS$@T*DJ1-HZ]KMX$!60]; M&)Y[$*[7X7XMH M*POSP%11-MBXI74;6*R@>D?K;'$3NP;S-Y0B<)R4T$7K,0OS-3APR2),1,SI M4-W>VN0!"LXFTQ)02L[V#6]$A2YVFVKQF"UW*P+SZ2^]NJ[CO77D@S/JRB\: MHW4LL4J_$KJG38OQVI;6[V#'^W#H_NWW!N/HF^B2DF:R%>T>"9YMV@FHTK.$ M_QE&(,O-X-GW^2?_,,I88O^>QM,DP7^&\Q$\"ZK\-]$Q%[YQ#X'B,@8E'72* MZ70,#TW@&>^[9G=UTAOCD'ZLR?[ONCJ>@((_A?^.QL-HT`.EOZ5;`B",H=,9 M/`)2_S?DK26/[UOU]<*[,)PZ%JQ>93Z.+K)M='!1;+/#QK.7QQ>A3I/FQ;?8S0]MGM"RQ#,_+Y-9"(@LX2]+')'TQ*G/<_ M;:T[J<9(:KI-\TS@+?V-_T.].>'PWB$YUP&-N,V@U('R-YC(]B?Q`#_.X:,M MCC(?QM,9D"-^/T)JGJ-H_XTMK&(1DK'H!5/:;1PG M_6F$7X\)-X%_N7BX:3^>3*$;I'LX0,EH'DVE`4+FHO(Y&K)C"SH9SN0OUG#K M\X_@S,:C"1S8/E+Z$#1T](KQI^/E$GUFV3K?K5$\X9<'Y`.>CZ?$,][YR'8. M2Y"]=%%%%5/`P9C@-`\,KTV>E$CQ"L5L>V6ORM#L/CECDH?OTWR/M5M,A0./* M28Q/3<::L-%*HR!8>/V=WB('8BV7[`02[8'EY#`E,<+):8(-?BM9A&[MS5`.-1'W(,$3.-@#ZZ][G;([E6M_YW$?9#A#J-$O!/D M%F'/Q'`V(R`2?!@"#T7#Z!DC]OTL04J:H9%[/!S1)P2Z()0#)Y>@($G_80[? M4H]<1A$V^R[,_!YF[C)4@JLXB(9CO)J&V.>LGV!_0Y#I\2 M6*KI1""`],\8UEX*^'AAJ[E*@PD!6LE>/.WCK02R;#P;)WP_T3T%U_R8%FY$ M:PDR=9S,A[]W;9(Y2.5]%%<&R0QZ&Y(4S7U-QO$`MAO[&4TF\01F]?O69!KW M0;@&<0(H91!/!NQ1&,=#H4B"JK9AEOZ#,)#1?VP&,IHC78R(@<#^S6>.@8`0 M.D92&1!OZ=,AM"QD$,^`7.&%\93E0O0,`;\<$7,P+`3/K3B"4*X<`8.!@PZ< M)GD]#T'Q<`0\@J6]&7J2#K`Q_"?&`>`?*`,>C`:3-B;R=:SRCV8C`X)[#X!Y MPFAG#(Z@EXKX#?S84+LEX@'A/PYG,G?R4OZH!N#PC,"MH$:.#0V3*;2 MUP#U9%BZX30:3J:@9H]^Y[*`GC0=("T!@8*`/QL)+^DCM!]]_N/^W\M)_B[T MHNX`IO-PIU6Z%.,)TZ<[D+@Q\0R8HCV93F$^X.L<3P4=RD-T*\Y)93+G$X5W MB0(V^4ML32N^[_G$#N'$FV,:JEEZA\LIA,]#BI8P$Z/$(,&4^.9N3*TM1(B6 MRHBN>X)*@XH`BNZ;],96?!X,S&<6GRT`L"X:WYI,'B]20)6U#8'RY7S1#(=O M:^)\4I?F![WAR\)\IRA_KBX?,1XC9&D\&WO4)G0YA??<9UX"@VGB5`G^?GM% MM['8M(-H<-Z@HK$KZ-;<8@*)EPHHH#54"U)0:J'V$+(6^C"H6I,3G+YRE1SG M_6B)M:=MZ2G0AC&1`M9]H!Q3^PU4];*/+;OE#/0-4^M^&Q1;'B2UA_`T\NJ8 M/LF_\.[KK%'#>#(9D0UC"'S="B`@8J,ED]ADA\T)8AJZ[F;]TR)#DZ-6X^M MJUE`9B,N#;.L^WH-XX?E1)I#E% MFZ+HLQ1CX"ST-;&TO;XKURVYJ"_O,N.BO$O$*=>B*H=#!$50[>FWL[WV`M+4 MWR8#RYC:$""N:DICE[A8KE8LLEDB'LC5NS3EBZ0@[@,E>6A)))9KN8\E.[B] M=47S+9-[)E_L5@P*T?R4G`<#FUB;`FC6U\+M^MHZOOQ-O?193PC:S[FY;,1> M8&D'@;'&+*)+>R^\*2`+]C4_*]"$YN4\/80L6#F.R?'9'2S3U9J21>1F?L>; M9+UIJT]39\+D?JPM#R_&/"1"G3^LBK]P6Q:CG<\7LB:U92/P(76/9#\Q@;M2 MB\3.KG?7,&G^`WF M+J)BNV@51NA8L:%TQ/@U&[,QWXQ^=5KL[K;WNQ5G+`:2@.]02^OA9^Z,2V%@ MX\SG3!U[D"A@?A5G)7N6W,8NWE_@!I*5_=G$\L?&&JTUYM$R_I#;>LGD.BZV MV<+E+7KVB#A[\+%AJ1X)V9?V_`4OG`AL*(G57JED MHB%IP_J.M!*>@2[2MDHV9DY['*R%)VY)EJ.4M7I6.O(P+9?]N4#DZ6?"=E-J M"EH:H"KL":64=9*V!LM9'2VS>TH2 MK$M)4HQ?UYCW[,]9\831B7^1PI9TA(+%19B.G`ZMN8&1)*5-"[:D(MV+K0`H M)&Q$`4Z^EJJD+N:E9F2:=G*/F3TD<$9<1HX^PIU0GB*S%7"4H9A\@_*35JE# M\C/K9/?180W3)0J2?FHPFX4?OVE:N<,Z_.,]_:.[` M#WV4D$(Y-\N@N`H:,W)0:)8YT[K(F)W*?*]-=;*9B7R)/)?$RK/KE>.;O-DU M>87)Y5F0GT[!@/5V8U\*'1'AA+9!D@[0P)6O" M/FD)%OS@*;R0F.F5TZ^K/)0K%XYD0PJA\D86\TI.ZI)3P3DC7&`LL!Q*$M$: M[*C(`U3YFFC+*R9Y%=1@K^ODO]L@S\R8BFE=E06F^\7.ST7D@>:.M0C/#PBF M>#X:/M]#9Z.OI[/^;!#6:Q'UVWLQ&E.?%V.[[\036K8V@@$@& MDH$D'LP;!#5'H!ML"8>TQ_/Y['<2U,N>A7\S@NK/Z="\)8]"C:#8&I9X>@O:+-0(T%3SHPC=E.K38W[:.&3#=#CL'XWGT2G: MJJZPN5-H;M(_FM6_@^D6E&4RJ_W`\W0?3X23\M?OW<"LNZC5FC@B6Z)Z#M$C MAX;]/KF&\`2/V%DAA],>!LZ-,"*KXTAXEO!"83I=N+AK,$(5W(V$[_M9$@V MZSE;CN$H)^3!UG-J*6LT&DE.#K1DXRTR@N_BV2A1[M-!6;`EL*&#.=+4#!J= M4NZK9-Z/I^B<%(;U(F7UY;\!925#-I(#S0Y&T0`HHS]5CN=H:P#_ER#0!H9! M?$?H"H9#L9U`5PG3TYS7942MP0-3:'`X,/[8%L+RHG].>7E%16KZS)Q*X?,6 M>U&957C6Y$PQG;V.#Q.O$U0TS7PM==]!<$$W2Z1KAM-&A?2XHPHZ)0[L+'^. MZ46>?&R-B28`O;?DU*%>-U>-G$$A'!ODH>5*#PY2"F@EHO*"T1(E`9=$ M47\H6BJHQUQE1?6<5"LR\21\7]X@OQ`)C1W/6@;L#YX#@SN_:AY6JW(DE:M1 MAN>3USQ!H9?'S!%IF&.%7)TS'2+KQYB+FJ3.I@VW#;!^K?>#24'[$P-/K]Q: MJ'/^V)]RCT?Y^UOX!;D(YC3JIL4.#^4@GE*:NV'<[T^==#$9$O)O/I1O+,_JO9`*;#D!L220EHV/!;F;)`*^HP9"00CX8`.X4_!]<,2-R$O-_$47D!!Q&W<$? MH"_058PHQ;>*H8$_$/K!5S9BCO:*-[5;2&W$'A#=N)GT:-8/EHGAVP?$Z<`+ M2`6O_2]YM$X].$2&K8?!N7_/&V/[MWGT]Q\TV"-*(Y%,Z0-2'\KJ]&&0D)@: MRNP#40"GH"K"2PBJZQ2FH/$I88BG,4+>!B#^@_XU@94@F=]'S:4F.@;9NN,1-K1MV@VCQG>S+5BLGW?L0 MS27)9+XDDQCZN,99772#/SFB4>!R+1)AHZ7[=&&]4"Z&E]+:FT)0I$K1G9_9 MC%>XY"BY";S!+1@M%E>9L]9H"W&@\B:-13%1NP+U\6X?N[+L%T7GND^@5RM) MT:@ZY4^$>4>,_?@*_/]P[/REZOF'A8)NQ("[2AN#X;V-_;?>S!0F+`<.W=$;'RN@9D[J/G`RZ-V\Q#G MH.'#*".V81Y>5-4#);V00)[:^?`HM-#E04N^9%,^":Z?,SRMU+>K$=%Z,>$R M-I#G'\-."X>?<1V\=-75;KD+5X^16[HJLZ.`/FW5A3;SQ!7(\4=V6%[$M$]! ML\%#M)W-=^GK_XAC:KEQZ#(8H4VI1X&0^N\`!+)I-`.^/NY1V.:H-YGO"?>$ M1_OTOTEO@N_+/_9J(;1!(GLIW+P9]Q50AB\D)8;.X MW"%,%M?4?<-(+9T%N<`VF4(;HK'H M7MEG<_!(*,'H=9Z]6M+:?<#7VG!=3B,"`KJA$2#%UCQ>9O-GEG@4+K%Q]G:M]L3@W]KA:$X8 M0B)!>8"HENPS?WI&+8_]XKTR]%KL);9`YA(/GD:*TPW`R5$D M='PPBOO)@$+0YN0C.HPN]Z^8YAF8QGVJ2S*-9Z#IGN[M1C$L2,2NVE8]0J-J MMVRPHN/`HTD8=)*$02=A$9X@I*1.3,>B&#FKA/?F=!'_OE>Z27_O6WNH_?CD MY/JGL]/H_.+V[/KLYM;F1JD1>5W)ZW:9?06!US,Y4+C%<$K_)L/YOA250$?P M_^>UM&Q:Y(C'>(12CL$^#T?C"`^(Y-?<,R.RKL[(LA"/Q]/ZNIURV:FJ:Q?= M[]U;)H]$'Z3Z51ZDB-E?_^ST[.KRYOSV)M)&G"V0Y9E:D?@VLT#UTJ9UJCB2 MW.4*9&_QI_)RNCDW$B!=HQ#U.U]#_$%C.T&'9=8X[L=3=!CV)HF(^)@Y9HR1 MU@,L1#4:NZ_/ZXTL'K,%U6\;]F.47\>]V3CJ]Y))!`QK,`5UI#>=\!F.F"J:&:>]P83_N8C7,?/FINCDA?%9@'"P(PBY@>S7C*# MY]$VC=EGT8(V[O6QB=&$BH^Z7.2P4%KD;-#GY+7#:6\^@$?G0_@*;7[3:-3O M]3$!%(8J\9G!>WNI:XNGBAK'Q$\ESKB=< MZ7D\Q`AF\PMJ831EFLF6">4_K[;_`'K; MKR#;)$<#^!=$L\'1D/\8_N_\+\^3NFD08O^;Z`@7=8[3G4WB)*&L"K`YG#^A M3Z[U>3RG:$R,R"7_P(`3:27X=D)OPRV'Y:P&&`2&:2-B3(H`_P6M<#J#&W00 M#><]:'R`KPSY%4QUA.Z$T7P489XA_!^\,8Y@JT?1B).U4B);J\?"+R&X*X'; MG0V@@QB3!5$-C]F4U%.@U`'Y((2*W$ZV&6P"6=I:`KOVE<3-/M>V<7&"#PJ-4&8Y0I0T\3&R9OO8N.04%812[S2A']\PZ$7SC`_`5&X\/Y2N!K MLDR[QVZRIRV7"77/CN();-\E"+A4/=0_&PQY@FF()^-)T/.$`7+9,Q8^GF`Z M*`.(&B/E]/U-+!7E45ERQS&`POU],='=;`UHEEP3B.0:#1P/(S3J"K1(-[.M3`I]ACXQA1NXBZ>A*D"$&$T'R*4[7&\?WE]?7E+R"$?;R\./NUI0P' M*7K'DAP(ZRD_[8`XTLK:;FA;?_#5*F@`/G-Y3U,)^21##2FA)AYT9(QL*V'V M>H%/3W+T*[+_LQK[WRLX[/V1>@!.^(TXO>%FZ^/?6/L/:^#AF>WWAL!'1[[\ M%I>,2IKNE&Z,B7Z<#^F^'-!'?/?, M86K(F@2'?]!+X"%)&ZL9T9`%H-JC]8?OE?-Z'<=EID;[@2LF'U&Z7&.\8+L' M10>^0$V$-,^7:4YU> M8QL*Q.-BLO#0[HGRI_4>3S6#;H#V9K8HN8I=<=.3%#NL_6[R-+1D>$:0;647VK)I2"W M^V>CIAS89';UM&$;JP4=$B2'E)[/F.-:XH?:C4;FZ(<+PF\Y,T_KVC#^YBFG M+/&T/B&U&//5L)8UPJ]@2DALA6&:OC1UFEF+VKPY.8,-QFY)>,]&P]8"M^3] MU@O.H%L<[#9Q?/<+!:T$"X0EFU;DFBTI$O&VR>&U5C5*2EQNR@') M'`C5M\_).W"H^5*-V[P?WF:6B3;ASCU M%#G'#AAE/&8\G,PC++-(&(ATIQ/ET$O0_ZPZ%0V0N+0Z%Y&59=8"L?GO!2S\SJ65EA\=22R]1F:"+$+\M2 M#1*:Q5)`@#`W:-9)B8RPWS4WO*0D`?>-=W$:)PABP9!42F+/_LV-WZ87)B':KTLL>)&'"Q>3I3]F-\11);(4,*)*8]7AF*3AG-SA8"2'4`4 M.X_D]4F*/<+\"T'@A%XY619!]L`EMRNS@)6+3S@X]ZP]]^=&-BQ32JX09#H@ M.1#&]8F6#L$Q>NN7RY7I?*.2?%*O=)12X^WIZH[$C+'DN%+CM% M.D"]Z-3?84#-:('HOL0&)RZ_J5*#:PE+X"&'_2FQ-83QE1275)BVU=5#SY1W$]U\6Z_:R;JF_ M&F9`VR?ES;].ROLC!C=X[>#&@]TWB^:+,B"/Q^BY;HWP7_V]CCHS?&-\)^/*<@PR)B<>.)ET-I"X+7# MUU_+<,PR3*?RQV1.*>-_[S(<>PFKEE,EW"/<]/:=& M_Q][ZUP(GOXV_?):NV;0\"V%**V?B@W76;G7D(0M-*B\8>\1#&R,+UO%&XT? M@(R3W>?;PW M`X,]!'*3DOS1\FZ]%!/*`V(8=T)D-QYUU)J#$>&/]'KU^V#+EM\3',9X@V0C3&'J"W\]!_1HB! M?."]Y0(:BZ!95T1%>\2NI`<,J!CWL.@DYG$=])((,S?WYM$/C$:+[A1A*LF' M#H8$@$$-1+>#`8$H)_#+'M0U3_LZ/=4_7=\?+/.T5F M3!'6V\<$?^AS.H"EI\*E�"3$EJY6"!'_2,XP.S'LUPALRN^[#Q$1L,>U(P MAFH##V$7#K^1(S?$YK]I2@""$"*\,Z:;JKP9/L4\N!,OGK0QJ%>`+`/C/IJC MWDZMW8W+>*AAU9>]<[$(7P=N=2&<+:O$GEDC<-E!(5W\&PQJ^)I!X0:U#@HI M]/6#@G9_RS:J]HN>X?5;Z)3-ZCVZO$P%,)>=R5=P\^7K)`3A@=PV:%K'ZGPF M9$4JN(A+LM$9<93@^Y7!^7!2L7I%.WW3.M9>XU1SM8!P?IPP[-V>8C^$61=H MTW`Z]*]SAD`,F9;J00E5HL#T"[7TJ5ZL!TXT&457SK+%.!>2^MSYQ]*ZHQ$A M/OVYHXQ@5.8.QO>9LJ=(8;)QC.&:6**'K?45+9_PT4$\P'P`<3(=AWA`1&5, M@6=]M!9^,P9XY,?W-^),P&P<&#O[4ZU>+$57[BNZ/!K-T-?=GPG/FH^FT1AZ M5BA38R,02X0%&NB?>?B$07Z]4XF%3#WI_3W=V%DTF298&=JYM[O>-P^V#(*W M$T-.IP1NZL/Y:KLO#N210\9LSL?[F@.Z;SN,MH3\Y8;Q&8,Y,84DM'$YPY&U M'.&Q)+%'"_*R0DW/1B`>/3Q0?K/4L`6*,"\T%M[>7R+M:"J@Z!J-/9AKHU@" M*_M!@>-Q\])C!Q[GY'22$\9SD'$'^,MF/S'#&CVT2P)BVC%QJ7>[?+4]RMWY MI'S&=H*8'[7$57^!%_?-Y.KSFN?+ M&@A3FF*3LY%A"^0%,FPU&QW,`W^:RSD4YHDT%A^FB0ZIXY$L516%.%#B-\F_ M'X2SN*R"]9&2RQ#D!P.EIU1]K72K5[NWTW7,'UL=6(N]LY'YU!%=D'V_P,L: M!07$PZAED3J?=N5344D=@G"QAT.SA3&]Q3%0>]X9#T#VLE8:?(OR4^YY:30U MN^K+%3M>*9$#N#P2VB&CCV5`=)&3:8W9',%4J1V@8LR"2J;R3RD7/55$&#%# M7LA!GX0%+BVI7PU'3;H%U6JW47L0[IJF_:S"9U,I-HOQ-/DR3TN]E\U!*\MA"4D#,23NHRS%IC/H58P'$N;?/9E]0Y^="LFGZA>W,'=[Q<-VJ>0`(C M,[ZEJOX,"=I.45.E"V.A4ZP*2[&!CIP?WF&GVO+/'5'-V?'UQ?O'##;QU M>7,#;YU=1R>7'S]>7D0W/QY?GW5`1-FT(&B7S/5,-9A#YJ"^4AP)!J9@A-'! M!M."H"_@T)F+&X8Q?9$1)\9R=[#,-@7M)+Z/!^4.I&C*#K-@X3M?[2'_E7E^DVK9LW4+X-RE`W##JBAH**`A3R%*/,AWG%AI0;[@!Q ME(>4P6`@13Y/1/IQXO5563R4Z3IZ/GA].SZYEL*D[O]%;.6P)94*F%0)QCRE96$202U0&'7H&:`?CD? M&7^RX$;R#6?"S[E>ZNYN!?M22!NHN28CT%7&;K?O`U81$U*!E4`0=/N@'`DW M5X:+3Z$,&[.W_ZG,%VHJ,>>UKM*M$S*$][@.W# M5D.7/FZ!)%W#)!ARV9%KG*1!AZMJR]M&31YP7#3*&!N.0J>W87FS5?Y`6:@% MN%U(.*X6G`D1DIK;`Y8?!/6[C#6N%8L,DA*,XE@]XL.C=%I64(`NC"8-8#1M MRRW%$'QM&$E9;FO/UN=C2\E@[#K\1;A*L4>))J91T*E#M%0&MB:IU9[PD:W$ M(2+0S(,]9&M5I"RXID,(R)3!LH6+P0Y81X0DMT6ZPXI;6]9<.4D]*XZ*!+C+ MX':7"FM'(,<5ME#7JU\K"E%JA2K M?)'[PP3ZBFBC'GOSP(GMZ311%`K*!GSFWY^>G[BVV.2G2MX=(6F:S2@W3"E5 M*:S!#N]NE'M1$ZX8OX/E>3)U" MF%:-X3SX6RP1Y`OMR/[Y,`2?'`".!(:&>+-[PH+4 M[KY0[>U)BU^Z!3\MELNC]R4AV!=PMH_7B.QQI:CAPI54U+A,(7=%"*;<$.)7 M(]!&XBBN9:FPVU%O3*#TME6)!7"LQY\659J3UK55Y%Y^6V11;5?$Q$;?X(.3 MS@[%Q>=)X2Y;I.O,N.:"8P9S_><4V$_I8J&(++&MJF*0:F3JFG_K&0K7NU@\ M\W)>GIR0D1V])'1TN*2IZDJTHP0EL&V\F/ M"OV3&#-1?*GL@-L\*HZ`TE,;)5/]2E?:,@IJM'/FJ4V&F3M@!7HU)U`L%72P M6DG)"9=V2R[WH)8JF#SJGUM"B2#K?"A2SN1$]U6VX?(`]\9*N<7RZFK80$%! M5L6SM<8Y3+>^=(PY4PV7%:57?^)$WB."E2F,$ M+ZPUA[2802G>3[V'DR*PD MIER/B>-?M(3XT_P;B1W@N[N-I^FC&$L#7(8C]`0\F)C;E5<`_>ZK_'[+5_,% M9D4@\4>=Y_O2;)B308.7SY\>@72"N[[4F>&N`E]9X!>UOUA2;PB])4.:>N2#^YHHSJ:/`B"7D-N!K M4WR![7#VP/+OYZ';&\YC67S&E&99BK:EMT-OX!2Q"??0(2<=SO2%=M(-7RQO M.YJ[==;BI8^=P@D'0U^R24AL9G(9:G]DYV6#*6=D>P#.Z>VPE''0CXE/JPZ` M,DL;]G91<&(<%E1!HD'A#MV7&V_2,V&\C3&::!<\TU1%BD4]=DM@R#T+"$[> MEJ-!'D&7QZ87W3R2R&G>O:N5N5+\26S#9'1((H2[J;F4A+10?(/)6V1^>W'6 MNMI4ELBJ'8$,BOF6&P*'ODHLI!>]Y\I9]7>9QYNW%[0`OI+5_:[<1"5K2OFK+0U):\[T7B3V0E3^:!<2O1D^5K^P7H2 M1^S34:&;_9(M/QR$-K1#1?1<$X]ZY8?KYNWQ%B.N,>D]L4\"?N@7R/3:OYAB MMM`9LU%$+NZ1^0;PZ'P((+^[WYO..-EEB^FFB1B.J$$08-^+QF\L,SC:3R=8N8.6KS1/$;77S)L M_2A+.XMGTVF4<.^4Z6""&X-=8YSO:!I-J=]&2BWB4R^P1T^)]RM3=+E;R M3HL:L"Q5!%K?[[:L[>N.C7+[DE#=_L@6^*OKLQ_/+F[.?SY3T[RB*IL&>0Z, M$$`T.8\I(!?5,`^]E$P^+G437W&+8+!BLV33L7/VHY?C%4FC'9-I&-&;!+YG M8YH,"JW9.X_7>$`A4T8:1F&U(#C>8H7W*:'F,/Y_2D4B$$@W0HC#\0OK0=[] M_4V\,-4A9CD@_18SDT4>&O98AM6\9I_;D*^5Y0,U^Q*)56HWPJ`/T!2S=9"0F=Y4==2Y9')79L2F M;[SE?+8?N21=/4'"L7;T`3LZ-QV=V/$&?.O2C[<307:=U8K,&N`4H0K2E>`" MG`.I!1T5L(JW$6:WQT"/'Y!,D3XEAK+^PDN=6\,IZNE"C4]PDH(>D0#A0"8C M))LSD,Z*YXQ!Y_"&-^2)I[:22[.L]>[3L4C."Y[(P7B.-+J'J_=J/X:T;O+I M;)IN.6/T\N2+$C5B^DG[%L-ZX*YA.U;LDKYN6M@#8?_X&._G#XR`#@\\E2K5 MP*PZT,(-D`S1>Z;>GH+/W1-[";CJO'G=HM?M)"^=\G!PSMS1LGCU52/,JD7/ MM$K8FR83S=I:LLBD5R34=`3]O2`-O&?MQ)(X7C"=:>E.ZH?A.MNJ0&8=?GNE MFJ"!QK"X_[U@@X]7'RY_/3N+OC^[.'M_?DL)-LF/2!(/B#O'M^>7%]'5A^.+ MF_#BK&\W`:E2*AQ**$#T"*',JO5P%95A>49$)7+(^@DJ'WJB.%X^+;"*$FX1!FS&UD#_Y*)[)VH4(IIVZ+G#4I*RZA1(K*=DJV7U(ELT@IFO) M.#MA^,Y=80#=:JT0DR1UDU:.:;.QR)I)A$&A3ONI$U'7)MTSR3 M@3`9E)#76\YB_O<@_4\<)K@Y]'>.!?OO%#]@1C?9=KN225&\T'3<,2X3%QN` MQOTH2&N_2=L>=]LL9C3,575JHG+#4OB<: M*FXERI,JE/DL^#4)1\2P;/EW"(-4.TA2+`3E/.MR(/FJ=20O2X4=Y>.W-@#9 MXB-U#%IJ$6T3,,^>2QH*2A<"L4`4N*+O3:&2U*4+S=U#K)N#:%CM4O8G:8#' MJ)\<_';HW2O+C.,64!9WR"I=^P"U9ARZZW2[>,RJFB@K)"`]$-DX6!RPD6_8 MR9\=4319\.8Z75+-\$`:EYR$J1.),:W/-S(B8.JP9K%%\Y]?WYC0%N`/NO<$ZO&7S,0JT:&3FC?!2K5M+$44/*:K>T+DT;;5B4?V M;Z!;9M4LZ?+%+:2L.-T#$T\ED4^X-Y\?,P$EF0&M"4*3OC2Y'N4\=SU*7CM# M.5Q3&".%T(.*Q$-Y9F@9B/.$R9!\`AM:+!H-EZ5`";9.A,0C)-70+?DFWFMM]!S7YHI)>N#E0>*[5GP:Y>XQF?HT.0\G.."R*H:F.\<1;(QPI)>&1%K2 MG?MV*0E@R%=-5<%3!Q(D3L^)>TQ=YFL68YRMA>+A/EY?43P<\RA$K),S>"FX M1ZEZAZ`N3$>8+]BHC%>5J>CDN5Z`STT&A,\=>VU(Q@?=$"Y"HJ%F=,.,C;:/ MS'G-MY"R6`$;$/%4C=%*P1NOJV*A:+P@X4/Y_,(TN.2.GP07L/*8AX7C`!:8 MAQQVBPQX5QC4_SG$Y[E6S\.*+8[RL[ZA?Y$R$F$#^Q17A!ZO>Q MCB&H(?/H:EA2QD?/I76_^`)-PU7@#'JU[:9Y.]DAI6D?$16@YC/0VU%R7"SA\GOD M"D>5N+2D5+9,5YHU]S(%_2CH'-ENL/\R&H=/;^+RR4(CREN8PD\KR##GW19: MFBGERDPRHB!RATN.^KK8=&2NC+0E7]HL?5[[P@@'9Q6*H[<#4PJ-JFI,3/:% MM`J27]2,/\U*.K6".!K[\>1MTPZ'A4PMM)BI5([?$AY(O<(S9%^XB!98J5D&:24VEZ3TAF(/*+\ M@MO/MW'T6'Q&$$EFS6WD61IHG\E M+$W9"?8-(A$;@%#;7#.*HK)4HZU(9::ES5.0#$KH!`$.`I"2_=3_X<[+/-R7 M^6G]2^Y9W8_'`H*2JJOFUIA)V!B+A_OQLY_O4(NTP;Q)U_XLQA[">L<`%@P1 M#NFOTAX0FSDV2.-C67+6D1W[D]YQZ%%IXSBWS+N@:K!50X.?>0,%W=W0>J6: M7,[:5?A(RYS]Y(@@%H'8$D+KE=%JN5L],#/J7$=5SEQB(8)JO0D`!HU48FZ/ MO=UHMUEC<'5-Y3\-A9%7KINQA20)1TCC&IJ''B4B[M!? M3PPI_7PK.11;0?08V0-Q'4@V1! MJ>D:PI*ALV'PTF*QPD)-G6/#1H8]6">>B8<)(PVM>.:EW]'?P[]\=R1QH4`O M]!L':=$R$N4K>%\'R++!R@57A-91%X?X*P;D&*]?U$=;]\64YI-H>>686_8\ MA[?A=[1GM2'+L2?`=[ULHE>9!,F\G/<(DK_9ANT9J'.VP.HTC-;@S-"UY"NS0=#:YTE^ MP#[OK=LFY4S*>@=V/QSP-]C]?]177-[M&HY^,S;0>:`O80.%W>="1KQXLO5E MFTM]GG5UACK6J.)3>4KU+#>^X."C2,STSO'=NW1F59Z$H,!;?T*0:M)DA-'8 MW6N:T;LV(K&7O;:VCVPE$K9A]3T?1GXB)$*O<5'>+:X7+2`N/@VNED^1(C6P3PO$$.L(0BTC&]"Q8 M[_^)BTH?8%#H-1]09%?#*R*+9WE8AT3_&HSJ0#;5&8.9[,<=^D46<31'U-2V* M<3*+9OHU*S`R]Y-H`>VV4S[4QS?>=P39@S^^X$@!RG;N;F<,=>[6XJ1^DQJ'+ MM`Y[$I74Y!&#\#F6I"19'A7C;!H]*6=8TY),9OHQS>G0M.`#0:$"&L#:%!"& MV%^5?\$2FH3(`8^=EGAL64ZC!`DG+68()H[?Y2,GV3)U,8V\#_AI:V7$W`OL M`Q->W5-WT'9$24I0D'Y!$B`PC(F@0+K<5EL??+5N7W&U-:[F=5E=_7Y\<04J M&$I,OAAJ\MRRZKI>4@S\W@6$7:)%!]K(IA@\#DB9"GUNT'T0-G;0N#W^_V6- MY?R4K6]_EFP#[X*T?_0Y!DB"'2^"/?1]7Z);D&MMD5[#S#V?RL89LX-_QAR^ M=]Y]T$UT)4TYL(.M"W'OJ8-01ZP7[SWWNR,)#>Z_0Z`_7V&C&NVJ(GAYK/AB MWTM/[#5"4E0F;M+O*5>`88IG&1V.@PB,'>,W$\4:;(;K./I%E*J%-0/1_*N, MHE88CXIH,YV`X7K59Q*!WNMTC2-"!FFYY$T<\O*^SR/_I2Z:=SK'.%(*S6++ MF#5ER<"28-VE)*@X+5($83N!8^&P#B7-#^]')!>ZP;&'D75CJY7/V9(45.*Y M\RH@>FT?H.PWZ_[]Q-U;;+YAQRE/F\I@*W=/Z<\QYXGVX`2GY`-6*)+AG/(] M)QV:57[@)?:DE2->WO+^@C/+3MV_>OWSST]F;TY=G%]$IPP>?UYSD M:NX8PO"P9GW/`41-U$1C9+,S1?VP=X\%$PCLP;K>,CJ#Z-0K7%5T0N\VS/\< M!"RBJ.#13&ET>0(:%4`IJJ38@4B\58.8-]1*DF?HW@OQRZ`^97L=D]AX(U&UJG M'B*:QR7HOVBMO0II!RVJHH@0^G`2O:H1?\;^-04-/>7.W46,+1*>8`I(DA7M M,82K3UFF!H=I3?/(&6S*4X9ZH7U:K)<&Y?H>'X5S0()<#;]O:1W&P8"\$D'I M/3>+/^`,BEL:R#.4$+69+2!JV5%I,;X,0Y$1;4E!HJY00??Q8(X[MH[O0,B MV9C.)C1!!"VL??(8"Q8;B[-#R'8H$=QPOYZ35Q+82@65/0AVTM#7Z34A;AD MCJQK1IE&Y`RJP)8U^$&!P`F#C<4"JU!54Q]?WA_C.X<-`W!<)!#?A'9]J2"\ MV'V@OJ4"-L7+,"V.V5U$E-(HNHOC%BY<%X)S\]]K#Y+MIGJ'8H$XU5B[O*/A M*I/"!_]3=7OW+]&OU0:5H/L`H]YTKI/X!.A.N8O+M_H*.E9]'27'.5ARM[P$ M"#VU(F#%OL[(:P<\4OF44`T+OZF$_[G!GPCR#(X<$[E>O'E-R.8\]7P1[I9, M%UY'>(#W51+/0O_G)I@$'LMGG@/%<>:+Z77P[)^H$381W<4="D,,\5/[0%*W M?KHX^Z$Y"M)>[QFP3R#UR`OLFHJRX.6[M"7/)8.Q:?8")FWO';##@C00D/Y6 M`5AGM+V_`X6::Z+\P!"]$(_:K:A2PO)@6\^._^[HD?_[CK)9J(0+*=!R M!NM-JVQM82!3":*GO0C-N"TD7P5$2L3^%H<`+'IQJYZS5JDJ.OJHM&962%-> MM&ZN$2_HNM&@#3:S+.7R9BY_)`/M,WI3X#IPQ!$ZKF24SEIVU]`9D>&,,BRQ M>6"`A1]@7KA:!GL9524I\A),N+NQ9:E$BWU#T9A/ MB_IS+*>YXU&VT%+SSFFN%BN?5N@VM5P5Y2:?O_5:DU1J MDASW+AO"Z1( M4$(`[B(R6Z/T*$J2DHYM%XKCWU!I_`;#4LK/)U/Z=.XJ]E<#^!8-U]"J]>'5 MP*H1$&`'(L-JG&EJ-*:AGW:/P33M=AO0,2B^./S`#C_'IUVJF\37.9D^*WB2 M^-,D:_H2H;]0M+G&V=>=_MJF:6J,7XN@`<:3Q%3B]X,5N$9;@WF.`Q4W'@5Q M%:J9^I3(@')EIX/Z^B*8FZJZO`;_&F*'Y-"ZO@* M-KP0M[W(,_T1/F&39^HH-W&]Y2;X8XGAK"R5'_'3>U>5$&4Q0M%3]6#,H/3) M!$RIU(^"OSJQ3BY2V"SQ@_Z9.%@@`C[AE#M1+G=8W8:4_@H(;8EH_)A7@[5/ MX^@%@>)A.@YJ=XO;NI7:*CEIHMK2@HG'!Z4?Y@9^1GV^TXZ$O+9U(ZX;PDU< MTMWO_-V1WY)6+)KE8N,>"8PTV2@L[#!&3DV(J/X"P3K5T43.5+6I1ZBP*'5C MOJVY&V7A2`CDK4XJK'#BVVH M&O^:,.1M_&&!FTFKI5BNR3HXQSC+MR4'>E`SNA(;DFPS_W#L=`911'50L2AY M6`:Q:QC:C[8EKP`:1`AJ["330]-!)H.;$)D'1@[4R8TYOK[@UML(I;M=\ZIC M*R)"RT3+-APU^^>1Z8'L)N<6UW@V9AH989#FY*9N-6=NPQW&;L1^M,XD6-\! M;V"K,(#*)3D/,F5G;$84>315BG8H9:+62N=.WEA45'/E[35'?Q4O5%,WNT*) M4UVH>V.(RS1<>`'[E*$8-:_#3]!J[<=P[?NY-SZ5H@M42AK00K>-@`DW%IC7 MH>2TD#^#,?4X4Q';X#U,]564%Y,XJ+>4*H(G&:
@0I[KZ3)N[X]>G(O1? M*`KZVE?_-M'0[P.>_A_7P6O3X[N?CY_(R][<..?7,#[\7?CPXS M=).W*P'XE=Y'_94#?MKFZ82C-S'JOQV4<`Y--29`'!M?EU3I*2#SS::ZK3]C MLR><;-Y#N^YK3S\CK&--=:OCTP(6PM7141H,)STSPY[ADJG)!2&Z7(WC-UBA81' MA0''6P3[-,OV$;ZC>G8?N^S,!;4)^SDEGRZN*>_\XR8!Z^7ZPSU)X/^^6TM%'JI%(Q"\@EG#0%_LG+MB!(6: MN:?M?$K5))2](\T]QV8@Z:$#48L]'`PI;`O0Y"O?2]7LM-[;*X0_WU/!V->7 MJ/A5MMBTN]BQ;DN'T"9H]/Q-^O&!`-U6*T$-(DF&'0BUOG\HVF-G)7O,\NQ6 M9NRDM!IX"PTO>8(PVX6Z(_8,Y3_^_7\VRJ.T&2:**/4A^+$X$O7.9><"`)I# M\X_1TU'QQ>>)M(/;(P:YSWL6HY3M&4_LNECH`@^S6LMC>1_W6M8.OBX.8?QM M5U\CH'YH]@'NPBL;YTFU>:UXZ$01P%*"F,6?K6TYD0IQR=AD?_;"DR/#+3MK;VX=0U MSZ87-R2A7'(+<_,D2JE[%KZ^-$%P#[%WTH$X?.JN#;+BZGYXE]F.+WDO\=R"]IT"!I?W83^]E7,@M^=.AU#XOXSQ)<3SX:9KT MT[H<]01H-^>O,X)?\QDN-^3J1P4O$.6BH;1Z5GE_3[^XC$:+<3V.(T=\JCC= M#M+82SLW>QL5A'FF M&$EAI6YWQPD%+57!JR!M5%\2[0*F")J8F$NG8MA39`U]<@JW*%K("@U5)]PW MDCTF?^PN#V5;#"P%9S9H1XBJ`SSLQ^`?@M4EBBK26HRC9Q0EH40U[OD30(*P M-MAT%+\`S8R:FK.&(JG/+EDYR);>3_-X"Z"4IXB;T#$+PN;0TJG0ZMUQ<"G, MI/"PE:)<"B/61^M1Z\;1RQN]L=IM_OX4'+-PU>Q^TY(?N3]C%5FL00Y0VZ9OC(`;`U^W#4%D%0.WAZL`+AHE=-+'FNND\HB>0&C3+-W0OO M9)+>T`8-S%VV.&ITBQ+*:=2L=YLK,Q\5NB[(*87)642E)CU."URW#'M$I!U' M]XL:.P;N-N0"#7(!,5^0JPGQ&>I+G7'6@B5UI`%]O+IN@DXMW$".QF1"W+$^ M(OGH;6S1N@2NL7O.LO%`U[>(786#H)OJ]%DJ'R/@F"X&+:L/>MY6JQ7V@R*K MWJZ'1M>N.!2EH6?.&%-:H1TMM,"5A7AW(#F2 MO]5FO3.F= MI*'L="TIM>80C\3IHOK9:Y*:5#],J'0<1B=6+P)LH_D.]Z+D)O%1OGK>.W86G#<9 MN"K;H:U0GLC7[*O9:^T30!CB80;1/]9]]OA@',PL:#OP):)D* MA%&?8'7/;/163.3@??]U?6B>N=I-H>[81A:P[Q)W4Y+$C!]_]F#^V,JB^9%: M#]3-$6'!:4:[MB4`R_&E`/PTT8_1R"`#@^WGV/-V_>,(%;XC][@2@W=C:CV/ MAT7>-QZGGUJ3XD\HSKM:]L60\7C!_6+RTC>+X48Q_"6?R4=GMUTX)G#.1@2: MJ:,"H:+55$-'S:A(NJUR'EB-[.]Q-?)OOAKY@ZM13/QJ)'8URH?68H9Y0!.[ M%K@Z,X)+/L*9XOV*7-1SS;BHM:N=)*,PO4CGO`KXII+IUX5:?" M@RQ<7\9OF9!K"Z/),TY+66RN=K>"@Q2-ZO&'L02@5&6IJ=R1!=D"N,UB@]B`9&*S4X9]Q+;K!P]F[K5.26+CN$*4?( MJY323#5MF+D#CRRL5-)2>JH4,4]@1:Z%FKN'M>OQFU9%BW-B"'_V>?:;('3/ M9I"FPOD'V=97'U<+S)8.R_]LJW)40D%?YY:WZNQQ?DYX,-!MR6PQQ"%+"*RS M&@_2CNGNA>9`C;5\U9540]C<<;)/7;<#9U61]8Q$HRB42_7<:@JGUC(09C?J MX=S#G;.@N&W-8G4LT>:KVAY_I&XE(Z=];YH6Y;(W6>G7+Q=AX^"1BCA&CQ>V MG>W,2^Q_=M/BDU"TUPT\,1>^,KI_<$^P"AK7Q"?0``3^56W8@:VW+Q4JD)9& M0]N3D?3V1?3BY9N3-Z;'I$BU70,*\DV&/NP6G&#G@[9CPX M*8ADU8V:4MR3R0Z<;"WU0^X<*0?RI:P4=R$N[=OCX-,LA-6<]LAT.;%.XA0ML8G9CLZ[3UEVY'9U"75#5*_M-M>-K1V\KJF/ MMN@78/MP8*3M_U;:J['85]3U_@?WOF53D"`2MECTME:NE=I_J**6%]ID;H)$V?Z>ZN1=/)]):ZQ39 MBPNLH&B`&:;I0R=$7)9I[P>O<)]['#RZQ#3&SEG\2JW%W*>+O1U)-6E$WULY M)2_^].J9X-IF9''Q*Q>&Z"=S!]*LM^MC%SQ*$&\TQ>+Z5),,_$>M5$3N2S.7 MS^8Q]M/+YT6<%W.?@R#?^TP$-BOYE1PO[I/V\?*;TM\IC6?S1%[Y+/TTG"F" M[C7\;]UM?FE-$?;3Z+FR.5B\=!;/J$57D6!'K`GA'I3QO$07'Y!ZG$XS[3S& M^.I:A(J3#UON3?TY^@T3HZ<%):/#VUPRH\Q')MC+]68#6AK&+%8U3/\\SB<9 MOI4Z_?YCRSGV#[OA$@2$+_*!3]]^STGNBKR%>2W!AH.-**^\X?33O@U7$@H< M+/),+NT^=79;-D^IQ3J^3R>YHVO]WK?;V%?`KYRJI)_V[[:BF,FK[%'YM&>W M30OZ;QVJ!^PVV%G9=$H^VXQ8#U6,P@[DW3:-DZ(X;+<5#.I89'%:\N28CP_M M-JW+\Q\=!=*',T.!O4+8P9GU$JW5=:SW5IIHF/`/2%@-15_65X@!@B+\GG6` M.G+-7+0C$$>9QY;8:<"#@]RT=H496G/HV-)P;!X")-!;6KJ/JI)!&D+;_\'U MA0_UY&[V;*B@W#]4TLE>@&ML7(+&XL8&FCN9,^T3^O3[L(K$ZV&LP#]P/9N= M;_/'NHF+>U(#JBL"&*"E@7U(,Y2-*:82S,R>*[B%'5N.]M89>+YS;=BP&[5+ M.H%PEAQA273$8>E8P!R9"B'%2@+\;5HE9PCWS91JA&9HP,SVSCWWZEIYRS8K M#58*H?8D\XAB]@;&AH(]L:RE.F/85J@4?U773_RP6EE#(`Y@LPK/V;3SGS@M MB&NXFP!XE9"E?&6SK)_,.!ES!B>`]76N<+'V?M0BN(PY`< MP$/`REBLF9?*K`O=N$I'3*^*/FSJBHI1";B-G!(4)>,4'#(%/W(0W]65"J,A MLVNAEI]^4%CKNJP-#^S?38 M/ZD60)'2;^&JWR\0'N?(]R,8=M+__?CH55-RW7Q;O*8C9LD3W-*N!C0`SCB1 M`O#*9YX%6;#C/9'L+K,;3F->-"UODV5[%%(1>G77,FX%YHJ]P?"0/0K1M)%\ M?0948S.DV,'O`PXW%?P^/X/LQ*X#*S&1Y>Y2L["9!VH/,E/4 MJ0U?*;ORE@8PF.)#/$.&,*C!]3DX@;2N%DAR1W1R8.IL7FI),+$SDF_H%P@)PB+-T! M"=*6G]8ZN=&35VU\!CDSGQL1G"R1T<"5B+_RQ*XUJ#,8MIZU,T"JL3_`QQ(#_M`-B MOV!W=O:KB+!1O+S.D2?G+T^>O3J+7KYY?W9^=O$^.GOS_N5[Q`(>#M8-7/Y^ M;Y!NSYW>!QJ?Q4(1J8S).[LMQBK>;[`][X6!"+DS2GLPVDZW%+SABPC!,;NT80W0T!-DW'NQB"[8VT3OJ.1#RM0 M@(/K^;P&P;*ED*UTAQFX0?^/:(DP!CO=?N4,!0HV?=A5!$!>:U^HSO17 M!`++:33+$$QWS]P8^/(M_>(X!!=&2=Y\_SV#P%;/1D`.C6V*[F%N'/9*4$Q( MQ''Z_!3)(;;$2UF"5RABD=I047#IU73B`M5B]/'6,$_KV\65A7O'Y_RAUHX3E...$(;W+BYL)66IP^?_$R>H%E$.1=@]'' M]$H11%1.M$1\5$$8^KR6/.8A)5S3HB'#>J?*H\;BO/T_*S1QJAV;DQ!"&6B M8'D0E9OXZP`)HU79J)4C#-$#N-G[_/)2[J.5.?S09P+C/D1(),@-?R/T.LU" M4*1$`WDC/066#.WG(WLR)&?ONK&)%T60<5GB\/[DB"JK=5>,:Z0&4B/`8,M[ MHTK\T',:U'?0_8<+Y"[&5 MK,K^NOJ#X`8MDCZY,@982-+*$11^3"A#_RUYV!@5E%R7,;$3E. M&'4P9VRM)(^3N12O^X_Z?Q;/X1A^I=/AA'B&IY5T-L6XHGGKG#R9R"N=DT4% MGC&)"SD#/TYG^D:_$#B25G0ZY3/S.FII"&IG#G)6R#CZXS/G$=3'$,6IQ)>Q(_S5-_\&(HXF9;X M.I/G+O6Y9_E41T_A>'ZSSYV4";VF=&8ZB:9I@;%Z-V-IG")F)+_9,^>S@EYY MQM*D[\Q9HF_]9S+A8RKRG&HPDKP4HA*20,0*("8*4R>@RT[;I.@71%)<13ZS^DP0[ZJ7A;6>G'$K>10EF?QD6J!FI* M@J5.&J-T!7I2E%:71KW&MK9AB#6Z@.4?3Y+@+'&V48&Z:!=4D0SLCQ0E42:8 MIXO<^$P)=DL<)F^:8=.$ZAOKX@;N#O:-O^7'*G!_BO)QD!JS M:`;5&(?IJ!,X5DC_Y_65ZU7KT0HMX>!<:N6X#;4%"J.$911B<9"ZW'9`>_7) M=#QS],$ERQ\%ATUJ'+U-XWONB)7+(,KH`8_]4$3XUZ(X=K0-/%"'\T/C-Z2# M9<&69W94W'])P;<)N'MU;->BI4!194%KJ<@7W/*X/F1VXA`#< M%&\_E,O;B\)XS88*G7%%`QU`EO%C((;3K2D^UTS[K8G8V>!JI4F M!='B\R9,WX4'$=5T[$W]02JIM7B-]/%/ZT6'F!64$GLE;:4=L$*&!#31`('> M$A]Q2C^R85F<>^GF03S98496Z(4!&C9LF_>*!^0>]W0)H3L8%C,I<7AMGM,6 M59ZT]?$\!W?3-W*R@)6QXZ0\$KGY]6M:AZO:_*V6M?GAVRSKR>X#*M_89[6[ MLMN/BTUG85.[L'"%/U>K'4H2N`3G;@1=SM,O7D7:O*`84BEE\E4KV/S_=PF_ M5$%*T^.T^!KE2&MU0@6I#R]_VP5E-M?I.'HZ\8&_.(`G+S6?8Q7!`*3QX/'# M,8*^4VS7X7VA@K_\?'+^_NS\U6^FEN?YR?N3:/3SFY.?G[]\?_;\J*\DN<&J M,21,0SJ[5;6[7H2]\ZA@@EJO[38&[,I`8_>T7[71)W=;BUGB&NI07'M3NT:Y ME+WC*IN)TKB]K#W;.T#J95.S;T^A>#A>X1(;2+7OAQ?WL!+8,\C7@<6*N$&8 MR"L*'2O`OZ^^#D[PC;)HIW/(+6BV(?NY#[?%3VJGE_58&\M(LPH7+A9^HM!B MFEAG\V="0)/VF9*0P'=L]S.)41T&-HI_!DY%Y9)(!G_>K6KL8J?P`LIHW4]. M@+H09&L[OC"$\M*K2X2LP'WQYO1>E!-Z9XA"^)U:RH<-/Z)162)LP0BK!1!Y M($9L!_P.YO\1M918M&Z14V9L#I?'CN1ID=(O<_)]$=:.)'HIHY[-)]$,+IK$ M29%$&0SFC>T$E=-XG228O^)*;ZB<8YHDWEXK!OT-"YR0DJ8PM-F\F%>\H=I MBH\B4!/(@=UI"3[3J.`SZ7FS1)Z2E+T1#^8(\\DVB\O=5H/DH$3W*L:C!*^5 M()1FP2X*GC&Z=?LBO3&C)U%"9^D.]X==FWFUEW( M-(#3?/ZX9J2'`!"<$ZZPV^<.>?%2QT8Z*U[#M"RWS7F[]=L329R1D4BS.9?3 M2S5MVAP:<1,%-EKPEYQ(QAMIUW(SIG%K/K"F#-MWLA-&VUBZ4;-FHA/%W2Y( MUDL&$66DL*-68KWP."#/%UJ"=R/3OO!;PL>AW[O;5(UK_\BQ9ZO*9\[$=NT] MN`?.TC0:K]R2:0;-DSP+NXB3T4@ZJ?)=J@:TK<4O7&7Q\CYL)V!$Z25L5KR MF>NL03%E-P2;*&8@I`QZ)"PWN'/6FTTW)[;RU;I(3VY_+C&CDC,GK\6DIV6&G4&W M<6(;'6*SI#C.)MW68BTWR#5HE>1IP]:^\!BUM(_SKM*-Z9?5)2,,- M*SF1;<"I0P1TUA7064=`]_W2[D.F8P:1XX'Y7QBR[Q/D!4F&(BZIB](TQJZ< M_$KB/,MZQ#D(\`G)P7(VX[?2OLV'I7HQG5R]EJP?S4F@%B!N8"!%*J^C;()`1WUR/Z7F4B#W9]B'*J58#;_.09[W2W]0 M:>83EO5%2<\UBXL,8:U&HNI_Z'%# MG>Q[)JWW_'V=[!'#!)E!OW$(2]MWP4-;W)^<_W)V'CT#R_'M^3L8X)O3<70< MO3LY/WOS/CI]^_K=R9O?HK=O7OW6/O."VBK2-K+A7H..\$[[>H_T4V=^GI&E MAUS6G1;S>3`E\KYG].[TAQJ_A\;8^X\'M(H/DG9=\G.[JY7SU]K&7#^T.K!1 M+0"'](^[/=E<<(.J-VV"$OSEQ<4S`JK;WM,?QK&D_%`R#/Y1DDSICY@]%&0C M$!/09`7W##14#X9KX11J!&)U2I2?(Q<@>'C:_,6<;<^70I*E:!WJA(2P;M`, MJ$B!JK$<^0AD*+HJ1C^=G+P[(G\?7U15X0>'$]MRFX5/"6+PX-]MKC:I0^WF M/95TX75YI%XHF^R,-O*(3SY5%;HSV$"?Z>V/2:&[3_5*(85$!C1M"*AA^6$*'(X7%YEUAVMAG!?^QTC(VM23D7>C`]`AZJAZ!+>(X M5@/2C&&ZH@0P:YJ;4W,.5M,UPM MJM!_2/H2_NE?=]G<=?*%+J>RXE;K=Q2>BR]A9KBU=NA8 M!\+9<%4(4!5NA`]@V*V9?+("A.5'/O$XA=OV/'2=]B9S?JU[:4="Y[ MSE:[7NI9;4CB&\9E]G1T[SI(2C(G=;,4$"%W5#<>,%C9_AC%91B@X44W7]ZG MX-NJVN%R>55<&'-*I17ZM6B/2Q71FMJ%PC[<[J0@5'TM7#!$'=L]T/;ZNG%L\[#S^T..X6:C";M%:3Z\U M)Q\%.W=K"IC.!?W1]&;GCI#>I8)SKB"13J?PI6\>^,D7-,,0*O3_.);*+B*N M_;874EWEW^H-BN_556TURT^$$$\#:&`;-M21L6\\OOF+PPYHDR$#E]"FOS`8 M]X?3L6D<9(H!?D6-1%-A*`[3UUZ(41A1"$GJJ`*4]1_>ABJ(^^`-UI0BQ/U\ M+_85['>!#U;7MJ"W0@%+V7+L#D23:N'QH"003-.*KBLD+\G\-T%53`]F?BDBU#]ND56(LQ?SJKW--!'F@3M$"_?AVL;LUV4]7(*6=&B8EJXVI,*&. M,,?
?)$?%I\R)LHFZ^=(\P,L;+BW:/[E^6?8U::AZ$2M,C;-7_L*T M$DK$H=!W`XB6L#<+F2SUMMP'4:B1D%E38'@(RX0V& M$(+R;`AMK'6^]]GSOKC;:93=PWS<"R1&\T-8;CX$S?'-,#D.!N,P).YPJ"\Q MQ,#;A?BOZPZQO.\K&-.>L*25:,?U6BH\>ZA(:*W=#&5X35B,[3SN^@?$76>S MCM4NBYRM\:70,RZ9"(U3-YVJB9DFA`IUPVQ&:R@Y%F.X'4,6/P!@D>!<=.9,LY_8B?J(D"!L_*>P,NI#U)$SU;8R[0Z+L7)Q?/OCMR M&)RQLD.I&,1FP#BB8\2J.$:,C?6&*F<<5KL%="*P,8K4;Q7PYK,Z/HE@]M'=$;>>1K&K1[=1>]4-JI,33^S)\,;ZHIG11 MWF9MP*=P;)P&Y-U)HMU)'PZC'/9ATE#>G%">KPP)@;67]YYC^4?@ZC5RRVB^ M(RX&ZXJ,>^+2JKX$$^<3.=3;C:*#7AYMLA'M2_QV%E!'7=($'*)V9]R&>\*1BDGWX,)K]1=RM@IT81U#8Y0"_+'=:F>%F@%D[LJRU,U&"0GM!E M(GF.3IV1&EB:3G%B;#7U0A&RY MD1O^@Z/6R6)W(1F`M7KV%?:XX2P1G1XD1;8!G?%G(<41)]P@:K#&QUM0NL@% M[$$0#T*,:F]RB:"*WEECU=NFZJKW/@2&3W8DX)_J^ML]2,NX-HA+K"A:]^]7 M/+.7C7?+ZHJ%.FAH!'DEH:M=XU13=@/<57`!]'B5D^BZ8B1XTA\YY\H^7X"\ ML.'KB"H4M#22]%!!4L.N&<)Z!"P$GN*2C4?RYK#,)?X]/.J8):8KO1$4+VT( MZE+[2:;"XM#"DO'22>H`VM#)=Z=I#R2]*8V(+!FVCVF!6-&`T6^EL$AQBECA M7>^V!'!C`HRV)Z%!4:^:]IABZ2C"><%$==0RP^;J&:^$S*ECV%CE(:0A5`P.[Q$!L0]VG MR&6P]9Q).Q^8:\%C;C[5S7XF]9BXD4!;5 MRJD!O8?9E#IRX;N3".]2H(A0[9`V@'A##DB(RB^)5QPX%[&I_#%H:=+8YD!> MG'HVC]`5%[^<$'*%4^A^[WYCW__GXU@4DJ=P9$YPTQ+H960/ZQA3H*^>DD>@.'A'NUEC\;#`?OM@+SZ`$2C`UL#.RC-JDM?/F.FA8 M>""PKWW7$[ZVK$D9DR`I1KC7)M4ZR2C_?"J"JC-HS*2]V%UNL;J\B?)B$2B'5M1AEMAWC,&<3(X3^+OQ`:(K@)Q.6E/WTA,-@=?@`XZ_(Y>L+8U[ M<+9<*5`086#_;6N!0HQ=VQB,M+W0(2,Y/'(5DR",VM6ROHV:Q=9#XDI#8DDY MJAS<71CL(+6T%7HW/DCG=$9EYQ,Q'P,)C%GWC+3#[@BBAVIY+VETV`]HA?;[ MU;US@PJN#SN@L1"AVE:QR21:^YZZ;6/8L^_853M;?T87M[0]">JC[$QV9>;5 MA/1-=@)IHRT-S95<2SH5<:B^;!R1B!HK(J<;<7U)<%F';F[7B"0S\`!'5'ZRV=R@S4^\<8"-6L)IO.YNS4*1\@JG$T/ MT_00ITFC+B+-;83`\:E,\[DS/@Y`X$HRX9[ M*CF"XM`NF[0!@02T4'5(LRTN14=U.0]>8GRI*!R^HG-^4C)$O=(^$7J22Z% MP2O6#\@1%2..@QM6K=M,H61QHR@*E)\NN/_']>T:1X"[YFZ]7C9:&Q"X$C\N MT%"CUBYTB0!KV;"C%=*(Z7^^^K38K%=44[(,&9V`2JZLY4HQ01R$E#>%PT$S M@Z3X^_N[FE$L-_53D-[_*TJ.\^@%<#\@$OSZ&H/9-_Z[QZNE?&(,0N-6X#]1 M0@^;__C#,]3`T0)A70I_NGAV8KXQ1O`(3]S=2N'*6UC:ZTUUXU+`FR/S!/BH MZM)N:L'Z)'.630I?)DS+)/6NY,+&GB=XTW?PF<6O<05ER!?,0`$#I;"K7'K=CQ"Z0S>J$L3;^V4"+T4WJCRF>%P M.;HZK/[-5EPN>G?<3`#S$-`C!MBW/?>,EYN&5@*U(?V3U(8J'Y2(HC0RP3I(*X6N&6E>^* M@HH:SV]URUZM=C.-P'^$:AZY(CZ":?<)M5S$8JUO20:3 MW235C%HW.39H25Z%;5`G89.\F_N&JU)172<3BQJE!'$,\GUYK5_YPY]TO#WM M0K1F1(IW^W6-.-!)<`1.SP"-0!#IOZ&D?/A&BLNFW$GMH(.O<(Y('F@;K^5;2Y`5CUW!BW[MG5 MA"=%DDT,]A`[Y7'M%10,_3NA*22+-*:A+$L<*_$V85J=SV,T9J3V4_H,?ZE7 M,:^S;-_>@4B6DPI?R6$8'+<^H=_A2`:!6Q75V60RDAESLM)\1S*(O@ M&L5AT)O=GT5N""R/H$1`ESS&!KP&N^(@XT.%..5.22?HVD/GXX#K%N2,V2=A MNMA(G4S_5-W>_4OTS@TW.AI3=PD_4G2K?:+J+'5$$/:S[HV65\(`:W=+U%JA MG;;9W_96^6(S.%+=!A(X=UMR%)W1N.YQY%DPL%+\$S]PE>!>^6=>_E-%ZM'+)9)N6,0;*45P_Z\D\E--)`#;/!1 M]-H?!?3)R(0=>1],J,X_PD5FW6?=Z[_C!HU]T1@=Z*G_ MXR^<4@.WF0M,ZQ^@=Q.O]'*'4S1)V*--LO%*HTG#;+G@'"OEGMSAF3B$X`>X M?RGW=W=D0L"TI\V*G^JJ]B6/Z#2JM[[\<@E6ZE+8@A,1077%NC4PGRP=L@-' MP`(KY3?&B#K+T&A>\&B.NDZ:"[4NO\1+L^]L23XB6:D5*D'$I>N0(4I`OGI% MJ1C<'ZI%M][3[2KNQ)*S89X'/#L2`,#\7G1+UTT8EVS0H^B5U3TC7K0&9+MX MA9EB'*8G[^W>D;BB/CQIUSC]U!4]D5:*.0O::*W=7%">@@-\,N1K3>"RH6O* MY29R5ZA2')Z45FD7MU9O<4$`>D10SB7?V+3):H5.-*-@5_1(_>,@=QQ'/TF*NI)-8[*?.F+%K!S6RT.(;MF9,UZB0)+`H$# M(1^1>Y)=KXG4IM"4.>N2&R8TZQVQ/RYXY$&`E'J`TW#!J!3JN)Q!A#HJ)@QC M[U*E5M?."$3L'G>`+T[]N*A=UZZW-\!,J#S>Q?N4 MW?F0GPGZ?!$C'`?,6J)R39@%()$\(DU*-UCO+A$5G1:1.LSNKK;DXV!7\OOG MY]1LA=)]N"RAC5/%OSI;V:GP2A*[E6:&:+X3P2F:*DU^MH6V!Q+%TR6L.770 M[7_7!"@.>0+[^Y@6?)*$2U72XSJ)+E21(4?'\D#D=I=4-BV]-VM,#H#US8." MCF_@\[#5M/A42R637Q[-_.L,S^=K;.RE`B//B(PP5\+5!3CQXX6#YW8J*%94 MNE5=KC7=G):2YF(@/ZN3!!(D9YFV*%<*!*#+@+;7%B^\_NS*JL,4*%N,@E.E M)&CR7?;>21WL`CX[D"FB^H"6LM@:$9HMJGGAN.;+[D[TY44LHEQ7YL[,4*W( MQGOZ+"RN3=Q^7,;*>]W#U`SEW.[A1^1C#UT%?N&[(R>0>!2*4V&N])DWJ(=U MN5U?:^(_^T4H<0!])=I72V:V#]5D'7;RD^`9J?)-(^FGV/L9F[9>FW(8#N)J M33?5+32V<*G-1+">\WK'NSNL\[SB1F*F9#9H5@`K13Y`\2QU.]&RBN:R,L?1 M6S9L+!2T@[?=V)DV\V4T.@T0-\2:%!-!68L1W<&UN`Z7<%.Z"&5JV^F5MUZ+Z\S:59)W5/7ZWPP&T3Q]3VN]-[DFO3,T"F97'U$ M.97>]\M3)IEQIFYT$5@OS\\C[=B.)EU_?CG3SQ83S&EGBSY1]R9N#2R5Q/M< MZ1`\&":(8=>P/]0?VV9$YW6`Q(5+]BLU0("I4?/T2Q,/#KEV-\J5(BBA1B^X MQ8!;?ZVN@$?&\+JXKJFABF0/N';12\?$";]"U\,ANBBVQ)M*("1<4^H3:4^B M'0E?O'E]PDK9>W<1"C?RA=<1'N`7QH6]-\'C\U@^\_.K6Y\OIM>A"!5Z.U<, MX("U\Y2)?N;`VG^Z.&N.C*H@$0Q;C`JWU3*<+:4%J0O`QP:1."XW&'!W^6)- M_M4^.:8+XHJ"LN(&YM-D MC(O:^:CL_8SC\V,5:BI5:UWLLMP[F7#CRUI-=QW#+!Q-K&_:>X3(3Q1"GE0A M:>Y6X&6>B$!J<.@,$#:Q7+T"\URJ4WDO5"6QD*#:']G@;O-8!+:F7;G.FJE! M>A-0/(DU&X7$Z($>QD%S06Q'V-U*RKHT_N`=2U)PI)?5[#S:&6[)7':3/'<< MS&#%)9'L')8P3!@%\-J>2TEB^2P>9%@HOS@D*M"@CG>3`Q7`X04EZ3%UBIV3`TB' M5L\KGB!NMD6=ZWT;"9QPO!^B:AT`:6LVSHZ7S2_Q^J$X"^/ M@)4*+@7#Q`O8[I>>"6JDI-MP3*[`NT:V+):K<^*WP1A#8(>&\ZXXT]&#"0C0 M`49=K_12K@G\*>$]G*A;0)&R,3A,_M%N%&OP/MN/%NNY%7/"[-8P"=7$$W0T M/S0!;%H'Y:ZS7.]$DX-U65827T(,BSLV9`]?+/8P17(]#6RZ2XD'2C5'_7OM M_L[+=0M+2OSE)EH24)V'"J(HXH(@0F#3ZT?4--$W+36Q-[O-BME(Y_H4`8$] M33!&X5ER$]9-0[AO$!ZJS9A25`&,>[[OSPY(09]LYU%G6-/95-B[YYBR<-M0 M13Z#T"+6U)@#2#6?3Z-G.AF1('V[!$^FT`>:2$@$"\&)R7#X_2P5[VS`S^# M8"3$`7?_&ZDM5``,1=VG^05Q[-)A8W)^+C0ROEBQ#\E?G.9&X@/Y#G3'0%%5X$1@U MJ:@Z=)S?6X^2)LX#&2(G)2+J/T)\\;FL=DBW9Q2>RG/)4? M-$44&W0N=&5@+`JTN:-W&]XH`,`P8,DX^A4+L(+$AO"2INXLO,S"AD/@D5KM M78S4Y]I^ZBE@NSKA238+$YA(AR[?2[,NW@,7KC'RVC8N/!$,V0?^_)5E71%L@$M2S=SJ4[@T"UF$[.@@Z\"9%I.'OZQ$,'N^A."RBL:SS[Q.VW#+/[ MBW/E8Y33,V:2!2,"8=3@-(11-7WQ4R&T%?A!UD6! MU&BZG,*.J3Y&^=JTT:U,#S0THJN-8+T[@3L$`;7_RE4S++*E)<3[ZH_'H73J M67`W:^"H?[,'UJT3CISE$ZX2]=>*_^/?_U^RDF$12@VNAK+9XN+?N\"TWU] M+:0ORY'V7FO8,6^&=:6@J>C8(>H<>3B9HQ"LQ9X(A.YDH/=>-X'[^E+["`S@ MN1,@DY,M'H^7/,ZF)1$MI>?F+B*A'J?F8PVS@EP-56&#B&YO)B`42`WTF#W0 MZ>T,=Z0KY!?F^70QE&$UKM_]QKH@+$`R^>GA)FRW;FPK)N$383K5*AB:0)G9 M@CT8+R?PBD3P6T<6*%14.4)G"[E`)[YBM8'G[%?.)C!`+$.3H]$?D%Q5;W1# M&^&I,6D8+.I%"LPG^3G*31RB@R#W]EV9T>@"**P@(??>9GPG]SS4W4!3H3'3'621S@MTVC\EIO[>P796C`>_KFR9D M@5ONL[,.QF2T(%81.F8:"C&@\"4W-+4(BAT`&CFE(P]<8YUW\-07J+Q_M_6\N5U`]U)/0\YPVRG=P45P/ M+HUSQ:.83(A7QV!D>/!G3A1H,'8\XDP@WJZQV(YK+>VA7;)R3<8%2T0I.@S^ MZ7/;%#N?3&?O'_8(:=C9?=V76MH#QOH8W>+=1CDP8>+S()[C.M>([VZU#8VJ!'<.(*/6XJ]*BQ3VDR'O\`#TOGF*;:;\@4)E+GKHT^38L9U M$AW[\I9CT$+U.FS3[N[02*0,AN/!`>,O\%=Q.5!^R`+6YYK=IP07\`E3]HD* M&PXS,2\&;G8;S8__*R@M2QN7N3@CQ(ZW8`%0;\0REE;GH1^5$7;AR9X3TAP7 M.:_6&*H0*>U<,A]A1Z(-HE&,030%,N?@\;AU@[(;U=7#/H;88Q.DRYU@4X8) MB=X90BD%.ODX&"G\=^Q#:PLE_=!TIW"BS<%H&1Y"^].2XY(;J-QV^>_[#2E[ M]X<[S5IGN*]\UY;I3&:BT*=O>BQ]PL6'1,9BL(FY)6+7<2TI,U2L33;A.[@\ M8L-+EACZL[_>9:*WH:O9_8_A!\W:\2!U/FU#;3*RY..VBLO:+.4,;B1,AY[] MH$*92O`^8XA!:`4AHET&%VL801*PF-D6,Z]E)DJ^+F=M"(G;RDSJ['!-#4.J MC8".?^**"8VV41TB:`H4KPP+<#39A0M\73VMIFG#VNPVE,!!74Y9O0U1QX/( M65-+PB*R"S-(`:OC1MH21F,*T,HLDV8DLM:W2N64*T,G=]46*Q;HT3;;RI?A MX&B124K;(5JG#S1C#DA=T5"EW6SC/"&2WLX78MO4.;UZ_/\7\"IW&`YAG^Q1RF_FOEFXE.MUQ]6R=0#TPK5P5NIL/Z]IPUT1 M6B_=D^%9KL0UVY.%]U#5;;@DJ#"=YS93WN`H';FEV< MD1_8$K&P8$1-GK1M8=?@,PGHDF-?[&M8$>OL278+()^C';]*#.,^-VLCU`-VM6 M'"5P_`BG)5`-%^V=,PYV;S.(-\#P?X.M>X)-G&'HP";_7(&<`WI&`/_8JP%B MC)U<_`PGC>FOQQ,XX#L#@P_J]IY\ZR8$H!L%!1KY!"1`>]%X]#Y;T(9;3FT. MZ'7DL'1^;2PZ3=9B.'BWB\]H"_(@;9#`15&HMPO[NV36C++7F\9Z MI;/0RAF["B?K\O[AF[MT)G4R,NY\.UCEJU,(&NJ*+F*(//)2BSDY'4+C'$Q=Q$O\[BUEGGHL.&A\+&_+!8D0;$B7X>:+'@ M>*OXS+1_^?J&1F-&@NJ0TR:Q00%!GF+[IIJ4LX7LL57+`'Q#S\4\_F!V=YP<)D6459@Y_2,SY[# M,-@VRV>@\_T/^@\?WQ,AWPX^=Y3.XK1(HR*/1ND?LF2J8RNAVR2 M21JGV03?X908V\WC8\*G><&=.(">7@L]?:-US>)D,HG2+*6!9G$&GPY;D'D\ M+8IHQA,_CV=P(C]9A_+W+$22Q#.X2C8IZ3))&D]@=OLFTR\P?AZX$URN3%-[ MN31+Y&!SUR=P8!XG0`%/HAP8ZQ,_W?BG+,YQF?[>&$;^31E&])_`,,H9SC"N M!,QP-E&>,9T6!_.,-$ZF$]Y$!5#&$2YQ44X/9QKSDBEGE$^GS#5R(`GA&J7G M&N4!7*.,)[.Y[&C8*<(X9GER".,H@.`*/CF-2QI,`4\W+_O(G:NM9=PE'%K& MA:/D'@(JZ03SSWP\\"M8'G3,KQ>.>MG'Y,L3J=(W'@T MRL-X`HN+Y%V"@`!6V`D=44\B"ON`,4\*F-]Z+[07F,_'?E#+:2DTY/8`<^"V M(M@5=;"2OE=?"WRP>0;778U#98=Q)#<\'S-CVYB##\JM@$^U6!"I.\3"X"7K M93KO=*0PA64.KQG,?HF\&=A?`2R?&1ZW;YQ'!5PFF>7RJZ0,T?K2:Y?HW?7I MH'@NHME>E?A`9GYN7[:SJ%&A)\['KVRAO3Y])T2!H4 M-&0EM4_RR0E=A?1&&D]'+?0\O(O_1BE:JP_UYBEE;[0LU)/,U16%84G@>?$:0%6DV#U4?6,+'J#ZA,N*&>("&\@77")I["S4F2?\&S_9 M$WVV4,D`=6\R'_:K@-+O/=3HB#48,CH9T7/T"WV5GJ'9-&$B\R@TBX[V[^^N M%(K99=EJIMYJW>9F?[3XL%I3G;IB-5]1SR!.W&1H@",)LKK3\,98GFW3LGNN M;E.P-:#MV@B3CUSC`N2FQ80K&B?5/6I7//S;(HC!"BP933SC*[D^2[;$1`.C M%.@$#D')I;;3'MQBMVI$![GV2%!P@Q:7:OG6#*/Y5=/$3B1=ZC=J!]C'?SR? M5'AA]@!EF7N?C$$=_CYZ2R@\C!)P@[Y=UA(3$(+SA-]`>QNG*3/Q@Q M<*2U,-A58)G#6P;:8#(&(?Q]=,*XW.X@8#D%B%?@!K-9`0=-X1CO1&&_23(N M<$A_:NW:IT,WGH)HGL%K7H!U,P9QW7-;\H05<-,Y'`+[]7MR&Y#KX8DZ'>!< M&,Y#O3[CZ$V]'7246OU2&P7$&,9!TO9(.%+)@_4VOF?HUVYLA<7P(Y68^V"[ MSMC`AK6Z^VZM;=#:[BWQW:5<#*9\[S^H:AX.[RD27=L9CHL!3!.8:SJ514KB M%+^6\-4B+)=@SLZ!:/#W'&FN1!7@>XO.;+WIR1P(!-2B#(\'U0S4,C1)Z`33 M'P),?K`V\>>"W&SXR26ZS2;Q%.S@!*D3R#S)RV@F%Z"H#HK-/&,K!6Z2S>43 M2Y#V\T>PL\#SA4*1I_Y6I-^C;1X\TV M[O-HVT21?3TX2RU,3:W3O;']6!@DS$/JN):&/FFD98"[^$)K,_5L$;L)!MJ> M!"3MR-?1*2_K("$\C9ZYT-PS"2<]04?S#*VK;(*:31+/L\+98`F%"9Y$<])F MD79.33.)Z=S[X=@KED<%^!C&3%JR)S8&V0!K$13Y!7X`D ME.)@1^>*8[V^.0KZW*$.#0(+=%TQHLAZ8P,JF\_)_0=?,B!%U-_..&CFGQ)$ MPAQU\2++Z1NZE]"]@0^7H-2D%]XHP]WVPLL^#7'SPF)60R4XBVF4%;C#,[SG M?)+@_3(04\DC[A:@>P[>#8WD!*9J-A7'.[T5,/<"INRW5'>6P#C&,!*IM;,) M;FX0W/&\2'B;TW8';EG0Q.4TEZ!`Q$F9?>G<)&`?`'D`UT^3.=PM(Y6![S4M MXA26&^^33Z?Q%)[JR^9D%D]`DP"N#)22QM.4#9\BSH0B*4#4-IG_CAA(_O?- M0/(2Z2(G!@+K5\X=`P%97B"II,1;)K0)+0M)XSF0*YQ0S%B\H@$+_#(GYF!8 M".Y;L5=1/.?`8&"C`Z=)#N8(>V'@*#.9;,Y("V'F9`M?FN`+Z\VGZXRDL MQ`&\!`-&Y#4&+:X@WSRJ9V`,""]!XQKX39DEQ'Z)>$!7*F%/?B$OF8`A`'IC M#FP#S0VX6);,Y%XI&@4P==DLRJ8SL"GR+YP64#=G*=(2$"CH2?-<>,D$`^KH MFBPFZ3[K(51WSGV:9Z_:$T>GIOGCF_5*4]K^VNK05T45E`JPY,)Q#+FE6*N\ M1QQ30.*(Y\"8+7?PS198I<"=28SA"#TP)6F_AD>@121)AJ;&Q**2L\[!7",# MKF-81:@QJQXAG`"^9Y0G81Z,BC>"1V+MH?UH^VAA8,G?("Z"`!]>,/#AU]J0 M[?8./)#!:PH[/8K^9*-;OE>)?$I1'J^<]9>\_?9S!F,73:4YF1@8\PPHW M4-_0)4!;<,`LQ+#2#.5^FGLY-Y\FH'YE7MX1/Q.IUYDAX.5@?1;L1RB*P84D MPNN%L"+W&6%9O>!&6U^8,'5"M^CXY@@IR8+,4,G&AM-.W4X/(#)M4JQ4)`F. M!([2M::[E*8>?@,`P%.-8]X4WIZ['*^+#)PK`\].FNL;@ M)`[KB>J+J)^"`9!/C'XZ3>,JO1E"3DC;-$U*=6@3%K#GQY.1T/M3G M.I5\"++[?%=_(P^TEJY^UFP]-MG]'[3W4:;FP@2%N0H7&W*\QDF!=CN:(Y@FF<7)'`UX MX#_H^Q3&UVK2&U(W\T1^=3O8Y1:F&?T'AIG#WX5OMD0WO^89.PD<&<;3A-T\ MV8RWRKS(2)[/:4;R60ZF?V&<%W];RNI1N?YN*"O-<2;G<[%XIQEI9"7K1<`; M$K+]=>-;RLKS7#)\4$]#L93#;_$<3%9A9P.4!4L""YJ62%-SN.B,X@%L?6XB.P2J+]V.3(,@#6)S MPYZ@7T_0YT*A6UQ!".6=$()!`,AF@:D)\QLAB:]\;^@NY%KWS)C38P(PN.@S M<(B=0&F'K51Z9M5CM?RJC[H'D)8*&8F8/:(N6LTM6N%^(]$UJBI!>P)J<]*# MRQ\SOHA&PRM%.^*'\/?R+12N1(5D\ULAMK[Q,U`'G<<]ATT]<"2%<#"D0M72 M-E1_Y_K=SX*NSK#2YAF1AAFCRV&(Z1#9:,9\$%*+NQ5'?1'8\_@UU_A5^0BJ_4^6ARPY]-X1FG^63R9S)RV,LTH!E-F\HN5 M("EHG/B_S=T'-9(Y!H[I53*A9RFH08F4I#A!D,?%=`ZOTT)J+5`D35*YME$P MG"XBJL:O@GISX#/G9!.@RRJ)T'^%PB'#9/QB3M[5T*>1@KJ$MFQ)X1N5FO@* MDG#@D3'AG?Y/X3;S)$61EV;DL_71;9!1^!]$5DXN%7Y%?ZY3F#C^`1_`H"'1 MCO&B)^+-Q`_H`&,5`+V_>]6EEA12\!_?Y:PCF71KMC>6*6#>YXYT#A':,R*? MLDC0L?:?Y'V6[6P'&;9NAI=L?UU#OWRC09K1'F'R8R^(/6A[D]?TH34 MWM`&2,5"G8$M"R=A>&-0.8.+SRB:.XLQ^)"".0$&XA1F,BOZ=;*LS-1"QLA> MYBDS(Q\N#@E&"3?%+`G0_8"6D\=N-2SI@`M,@%/@\PZPDV!*H&GJ_8H'1!M)62W@FMIQ;\TQ$`M MSJ<^5M*LZ]IWLME^KI?8QAVS>UWU<.\NQ3W="8B&G;:H#)H:U?D;/+3O6UO^ MC8-EXRN]V]3']LF">MP^VP^!B8[ML+R\M4?!98.#"$6G>R[]_/VZ`KYI0`Y_-!!0^F%>[LS M'&@6@JU0+;B>:?U0#X;`!]%IQ#L8W'N%EX%9(M])0DK&PD,0MUH3Q)A3/@=3 MN1SJ.#"G$M,9)6E2[P(T_6(_SM@`02EIP.>W`[ MAVB4YO$D22G<7Y)7Z>BAKA6:&C>+)U1Y/0--;M)):Y.F>TZHFQS0?7\;(HI] MYSR:)#H=`0==4H\@AW;F(P7KLAF])Z#8[\GQAUF'?S9/WJ^UCO'X$ABX0:3/ M\B)"NZU(6J#?_) MH):M#H\/+<*@U))LW'?`3L7_R-/C'J&35WZ.K/8+3WMC&G>XY;FN;YDQ%!/0 MH3)-Q7KB?7[8O@O\'X,-=X1M7T:3&>X"7R*2$8L0CD6.^UK'(ZX6J>;#8& M"VTR!CTWG:!..P-K0.B=:YU;W"5T<@W4Z#OY3=)/?7OGH"@]2M!W%K_3!E7[C:AMO@DE<# M>=J35R5#!'@/RVW_P(B_K?-.$J.4WAOQE%ZG/&'[/_B=YX_ MNDV'P"??1\>X6"5.XWP:)PGEA<*BT^Z(V5#^%F'$=C6@KC_O5C6R'/X!,Q6!(R3P,]F*[K"+^F[+*$;NV#R>`F$H M**TY-ACR%"O)IL4TN/.48^KU/4+'3;'BP,10"Z3)CG+QL@/#O?+\Y.$EVGMZ M$(O_NLRO8;8.>XM<#QA*!N-<>3CAPB]WEPTYK3!%/"W*?JZ-59(%\,T9:!9# M/!F3,C$B66:8RY'G_?PWFT283SJCG$H\<#[),6X*0N`=09MS%W0L8[NGN,GU MIOK,?N8A\AU1XBA565#F&"]G!SS]"=V2@V@SJFK.T/717JYGW&CZ6B;BD*JD M_K96<71R_:GBS@J7]]$S!!+^J)VBN.71P\3CFD')I;HJ34N7&:@:[,-3.5S; MU$T<_88RY:PE4_9J.7O_2'<`]OJ]>*!!#$_P,P(1(2`/;M?).`/FG'LL$,:O M2+J^:?AQSB8'E:IA50R(>+@@EC]AX9'],AG/2`Q-]6N9D7!/\>N^Q29?T%<# M&6@AI?78>L`*03P3NK)MOE19K5;[';,/HT](NJ9U8DB(3](K\;)/F5@=];GY MTIF*J!`>/USL+@D63ZQ`F*00+`3D\B3K^4#T0&&0:NMTEO9]<;5(TP)%[WNL M<<2WO7=,0>JC%R1X>UW]L;C=W1J1Z/NGM28"\4?9/=8S'#,-LYE\F)94B_6E MTW""2/5_<.1-MW;5LT8W`L79'1*(SY2*0T`SF5/&$F*&9-]F2!VVLW'+)NI` MWZ!`6TMHO>8Y+4)QR++-_7IE8YC1COH4-"G2FS82>:3.A MPS;V57#!GC8L>[=FP'8?ENK#K8^>NMR28R>#/-(4%\ECE84_ZH)]?5/.QD]F MI1.6>QHL/:$3GA`B&U)71V3:N3YS:0%FGFF/H_-S=046/7.[+TJKWH37D)BT MRV#023"/0W2JF+06I-+G+[C#'F"H#T2M0JM^_]<+UUNI9\A]*X"QR"P?8RU:O@LNZTF6]HVT]`\H:&/T@,C'E/ATGB`26CTOM7A1= MJN=7F@^-,O+AY6-.T<P=03'`=&MH!C"?@'%K^C>P,/F(_I">?("8=W'.^S-!M+ MF38AWH#U&AU]S_L.%GKPJV*3(AWLL,K'IW.K>AY$835`&>4!DL9C"^"3Y'\V\REQU0 MYK.HF,V<=[-+I1@-@(/HK0R/,,3[5$4)(914-S?$_VNPWA-$SW$6W]#YYL"> M0?!R8I;%C/R=$^`G?=QG)(<<<1"C+/9=#NB^K]&;@=D:[,LE3;1<>ZY!#:?O MC*#MUG\[N6PHHVK0I4@"NZ:F2VW6X6E[NMSH)8?L^`7-:;NQ@I'Q.4,THR'Z&# MY8A2%U*!J]!>3X[)O-NL/VRJV^B[TW?OOHM\KRW?8,N:S#T#>FA-4)\^>)"_ M#BU6I^L:#.?_D:7)XFDYC;.BE$^HPN*G(IZ"67,FO21O?".UU^?O](HIF!@% MPHT0&,XC;Z_TP+=%%Z-\*J;T:4;P=@HE7+@@M#E)_E#:MQCKD*1Y^4)4C/'T;A/C]23?X< MG_W0+V9J]6&?H/,9,_R3"4;;OC<_%+CLO3_,,)4)A.QT/$,K^?5B1>X,O:9I M0X"2;`:Z22[)(!.0L`5\*^C;-)ZE,TW.R&!?P9:=\[>S/P@:/T_CO$C@$!I; MCKF))0Z54SM)QFAH@-+>]U6F=A[/02E*^.X43IKB MP@@"$NI#,[IO)Q6&E*K3H)^4*$:B`1R(H.5R-1Z^XA=616`G9_%S^F:TU!,I MZ%_U4+EZ]0#$^1-" M9R1[EQ`Z%)`2-^=1L#9]\T%J^/Y+//"H662;[47>J'W,%.1?.04)Y1XY1Q77 M[1S9!VM=7\T/;0;H&X2/B@G9[3-R7&".+8<%'IK)4.=Y$A44>9;+T$"F`ANJ M8WJHVQ(J$X_87W^=_ATVFE!=XHC4A1QT:V([ZA!BZW.Z[@E6X@>.4B[/&']0W_J M9L[V<.287X`5(Z`JS)]!$4RG/A&2JL?P+].DW;.326Z*?/.9DA5%B!C_EVKR MCZ*+>KM=RD.1"Q;LM/YQF3BD]9R89PP+_,QJ/&5TU[X_=9!Q6D^+13R"D]O; M354JI"<,)XRV.Q$@%2H4>=^3]SXVSL<$O?A[!SHT!2\"0K-_TXQJ0!C=U/=*WP"23*7DOW99; M*L`#PMD59BT$HDAC`5C#!HMRMK>=KM#YA%R!"7D$AR?!8Y0E5!@TZQ29!,JY M:<'[MDXQD: M53@49/Y5_TCIZE*Q:GKV2=M.FJ@%=0[YMYI%YFH-D!0C36F$9',UC)YOG[`^L M)2&_(R;Q_]6.]9ZZN(=[Y]RSIIACBC+6GE'A9%&,"8A*OF8%TM5/FXK*V=O) M0YY0^<;[CKC#`LH?04F]J:DP.>%LI3+'+&OL+I!%:3X=XRQRXM%\,BXGX4-8 MSI[Q\/&4>=^SR)/(T!PZ@";+4%EO2C6W",B=IB7-J(" M6.=('F#.4BSL\$W2;T1]^<[I]S2$.9Q/W;.8]7:_F36,SDF-P1!,0.P-3U9? M&8!+['NUN.E!K6]MFJ'+M`Y[$I64IHQR,T=_7P)2LAAGT^A).4.'(<)WR\O`F M8%+NN+ZX7>G=AGLVWZZOZU#&':C^=_`@I`_J!V0*#/_@6]<)7@9U1I?#Z;@( M\H0:3"^I$L>S3/"X/A?RE-YNZE0KJQ"#^ M_V6-OGIRF=B?17A?N]B0_:,7V4AL9.O;R3*'=O+;U[>W"U-:A)HR/'0-1DW= M1/O_.F05VK,.6VT*'V#36!OF6=;\?M4:A`6?L+K$H_,-[#BW:[((VZV)J>B8 MNP(6\:R8])YSYNI521B?5B':WTG7VGD44,!B%Q(:`<8<)L[JK-0:K*8S`+ MUG>$Z$&WDH9M+]Z\/I'&Q1YC5$08:J<.WB98:,S$\#`E6A;607OB0KH&"R01 M"!9NA3ZB%=9/+V[;I6'B_D3I2J8BR%O&U42%D$NQM"@/U0*LCY0Z/9W%ZQ]O MJVO$+5EC]2$><63@/QR,B[N&SH@,9Y2AR?C```L_P+RSL.I1<44BWA<$PA6W M-K5/1DGY)8$]QCT%HRMPHV"Y\D$WE%Q2P>3N1WYK/>OYWNLZZI5;Q'M7=#YC M4RY`M38748S:%#MPEG1LNXT7_@WWY3<8EJYC/NF`6075!PS;I%&J<[SG4K$% M69B\=9E%5`Y\R,+2@98SC>7*&@CVAIS)6^*KXRTUP?V2RAXP%/#A`RI;M&E] M8C&B9F#+&NFI'<7XM7!?J;81D^;T![RT06QO`OR1V".0Q#BS=PI[#U\33 M;F72-CQI5BKP4Z+BO%JOCJ^0>["O5QZ28N9P.C49)S)1Y0PGA6Y'A51AKR`J M;48#@E4"[KN33M)B*!U8*R[P>#_\UF)?($R%0S)!LI22JB0NBKEQ0N`WJJJ` MCUQZ(9^HH`(!2Q0P!#]1006F2"IP*WY*L44T6#S2+)D_O4=_/I==9'$F<.7\ MB<"8$1/$C8*^=@I=?#>FU][$#]K!!;\?5)?CSHV'\B+EFL1HS]$5OV%<<@3: M^#K!1D4_/@GLXP(V"2S??:SN#DJA1/EUJV.H0LBR%2<\RY@8S:J73;A09RQ! M&+FPS:+DL,CM7;6Z_Z$9")`T!A@;J`H.NG;]!>'\AI5A=:[V+$HG62..?FZX M`BT@ZK_LUGAC,7<6*S;I:LE/9`;R\AK!7G&CR]*-,(-@&0%+M#XOCK&]O40V M2O/_GX=$_K]9#1V::1F@?3A4W/(>U^@U;HF'#S)3R=/#5@'N9,.A) M)PSZC?H/,^`B`HOZ3P$2LR#BK*%6GL M7"R!'TWB/$;[FQ]'W''DR.(_N40K[-W6-#LNF/LQ&IE`(9:?@/EX@S;\=OWC M"*WA(_>XHA2Z,;6>QT=)]XW'M4!Y2?!Q3'K8)K(G\?)B:(-?<%Y/7OJD'D[H MX2^Y0DZZO>4)21R[R$I&U-;5%?.",!T523>EZ8'5R/X>5R/_YJN1/[@:A*,O MJY'8U2@?6HM9(87T;BUP=;B^WC0:Q&03+R4\:K!+!+J#?5NQAWN[N.U&R`9D M*C5A\7KOUV+3>[W?%AEYH+Q]VC=:?O]'`_];ZB/][2\U5X.;8-IO+WN`MRL/ MY"GN%BK)(;R2EB*/8*RE>^9P3P:;_]HRB*^Q:&NY*&W[YR M8;C-NKX_M#!8QEF&W_8PGV#+6OK99_GJ*LHJ@*?L!L?IAAFC["42O+M/>#IT>"@EU0 M<(PN@=5*N;Q2;IS[=+$W%]JUYY;WEJ5*8`H<#<^((?$K^];TD[G#QU9[;VW' M+Q`"&KSX7Q>Q'DQ]Y:-?._;\LQU^954!??I9`]&(",$\BN?I9^& M[4]4"/&_51#]T@;EH@YB3JA)-/ M27&?H]_6F]\5\@/>YN)O,1^98"\5.^B6L(,$1P/>2IU^_W%_Q^]_G`V'/7** M(A_X].WWG%C$\A9:R\&&PTXG_,H;3C_MVW`E)3'`(L_DTNY39[=I@V]\GTYR M1]?ZO6^WL2CE5W:`Z*?]NZW`[J7T*GM4/NW9;0@K/O5X#/CY@-TFT(AH963$ M>BBH!CN0=]LT9OS:`W:;P`LA@&4I?3[]QX=VFX8VW,>VY/T%TR29>&6^SF"7 M;/2`,0 M,:86:!O!4(.J#0X`8ZU^ZYDNWIU%(UC+'\#$E;SELS^`9#!H^?/JIO6+6N\N M=Y<*)K3`32ZCA8)$JENQRC>46F9GCD=K&5)I:HN%.U/B5!IC>-%@)X.)CWFQU04]+2?D6/S2AE//S`X%/\ MM>?@T^=G47)Y`*GAMV3YN(/]1_U/\)J3N253I]0J^4)PF\J&-L\ MFK?.R9.)O-(Y6(X]H>B"G($?IS-]HU]X2(2I@*]3/C.GITH\\!M^Q'9I_.;/ M1-S7";TF?&8ACSN5]UE4$IJ<&P-\G`'CE#?Z14:/W;7P=<9GSJ,IC@$XC\@6 M_$@EG?3FQU!0?C>\SN2Y2WWN63[5T9,NQF_VN;%[%[ZF=&8**D9:4.-3?6[0 MV3#FRF_VS/FLH%>>L33I.Q/DC[SUG^D`;Z7U8I*70E1"$A@$`6+BMF[)+)ZV M2<\'F$%5SB@4-LU@9CNEZG_AMJ?+>R-*GB-,`O[!_U[Y/PPQXY]7U8Z;`O5= MTR9X?GT%JR0R[-PMO>5%&`_4='>WT::N,!)3%(=%*B:9Q=2NM]"MS)"105_6 M-:8OU7?5QJ-C47VI%JN:"D'W@F'$6L'JDUV*I2 M2W;K>HK%QBN_7)H2-!%.`@VT7BVEPS'0I]\`K_OEJ+UHCR44\G2Q>1^'0=0!F1UASY0C?$L%92LA8*LRUX*5=LN?G-2T'"Z/2>AID49<^CK4J7LV M!T:?4#^_`C1E&(Q%*->K@H&%/5N`V>,K,HN$D(R"8]V@IW&1DZ-Y"D^;R8=Y MR1^F*3Y*'R`>E>V."CZ3(<@2>4H2LR,>3!=N9;5>4>;GFKO`N0&-DAE!DH&< M*IAE&J24`S%;N."'4P,2\H>-$FII[A!WVI`?_RS8(@CT02UJ)F-J94R(YH0# M,F%@-480>>"P?VXAL''GMMK>G,D7'^&0@ME%HZAJH"6N>H!**=N6O>976AR' M2LUU?4/M";58QQ:M1MQ#'ID&<)K/']?LEC"0$9\/VSV'@*7P.-CA22J.HYLN=N#= M;@,J)N:YOG>WJ1I7-)*%ZFX1J-JDI.V_+>-[6IPJ(VQ`O/L]3Q1)4E M(&,VUX[OPE%>]*'$PP[-F-B[VB[OX^"600M+#G7`LN#`8?R@V:\W>HM6A6%[ MI)3H5PE##^_A'P9KJCFL@BE_7`"(CX2^+_=(])_$&,X9I6O9AQ.1P=.LMZB6 MS3JLM`^OV:F[QXUQ!1L"2..@0&VRB$)(3V$=7VU80 MRB#2$3R6[D^JS][=4?6Y9/U+EQF.A3JQ?7)Q"C*@.,XF/!,AQL\:RPH:D>U4 M9$`8>0H+P+&TS>+#8B6+B-I)/4!.0J8+G/M/5*`E'O-VO/X0`9UU!736$=!] MO[3SAG7,('*46HZ,(,][!7DQY;X')65%3D&1SN65Q'F6]8CSA/IMH`"?S?BM MM&_S8:E>3"?8%6U:4(="?079#M)M],ZF.A_YMJ`M63^:DT`M)@5UJT[E=911 M"7.?W$\I613D/F+=Q"G9COPZ!WG>+_U!I9E/6-9S:Z#1+"X(QW8TIQZ-]$N: M9P-JP(Q5'5(&_,N<1]@GYRUB`CYER2K21&4__9]^.6P;&TT9+?,(RZ@(460N M:%ZCV;2TZL`0$)A7"DB+`/%>&C&/Z&`"GP*?DI9^<-`9G1J!X&GH88[?500A MK*SN+:K^AQYW&!H9".L5;NLPG/:%-7Z=A._!@AUQBY.+VG=F8.'<@,1:7"_` M9B!HT#R>SDI^G]H&2GCIX%!$E/K_BKNZW49RY?PJ?;$3>`!9J]:/;25``(\] MWN,#>SRQ/'MP<)`+66[--(ZLUFE)XW&0B[Q&[O(L>90\25A5_.MFD6*WY)V+ M!6:M9I$L%HO%8M57L*?[>!V^LP%,1\/DM%>/QSI-9>VFDU-$PK0CE'5&9!WC M[8/!A)?NGH'YQSEI=H`A>%5"6AFBV(T0'G:JP#KMX(@4B\]3T4@:J?TKUBP= MX%TD%;H,,,^MX?W??_VW.G9&0NL(?HT`A?R,(00S6_--'9;$B8Y4"L:`;2L] M?\4XL3K@3!12MUP=\:4%;X,G?TV:0!]2"7/\G]%)JJ,`28.F"21$CJJ`P;`J M8ZSWA_&+$L%\[9X80I:MJ@%#H<:&(W$0G(KE@@QX76=-8;9HDS@%[YQ0I0`T M.S'(CYHPX"WWH8*8Q#G&SZ$*IPJ]4A^"C^E,",!X,-3Q5:3B'K-Y46:6W2H& M`[D"$CL2D",9_6[[&5V5S.%/QDD-;OTK,%E^CN#H_M?)%KN_CFYP7LS;WOHUW%)FL]:/\%^(A)-N7GZ=+G7)RDNJY/@^.4Z^3"Z3 MHU]@K_VJ,&0QHC,'/R=N\@>UR>LT!Q44L_JOX^"O8L&[^@H2^M&!8!!WGJZZ MX#@_WLTV7:@:$OC1@^R`9/OC4,MA)TG'8X>U"J":!)$0"CH8EE/Z&KCE/WS:U*M04_HGL[!@PX([0!H3I0=U/`-.CWE#A?\2MEX5LP8Y` MLBBY)+\<%10TS9GQ./LEA@[J7W?$L,!KJ?JJ*R<7GQ,UKU34EIW<(J83%Y9' MWPKL"&TJ@HLOU&M98YB+Z.&534BOV":-_13]-PV*N'9>O-ST'&NLG?I@,1FR M(0G*BJ^%NN]+`TR2.HT_U2-P_!-IU+0"'_:G@BHM*#(K3)=$$EH(VH7ZD,#?`;SHM%7K38].)FX3<(SJ\F M%O'Z8/Q%(:I'SD3BDP8W::L=?5])?]F/!*7.Q,TDL%-]F_J6V]0QLVA"@)\# M+UJUFBQR9:NX1I8N:2Y9.]A/6#U;T;BNF)//$KV_0S7A$?8@[4N[5NAB!?_` MZK_#=EN!#;:5V5MTJ^<(UNE-L?P*5\*WGVT5&MGJ^FUGZZ<>/`C?2FX.V6FT MU.S?:0N9V;_3%A*S?Z=O/2G_V"VM:5&J-*]*'%;[=.UKEHQO0!S%J#%&33?I M&*)Z_?:DV4D8FG%\W7N)^#-.IS[(*U'5BJ="4)9]RA4\AE=P"]!-B]?!ST,, M"I:'//[A$SB,:YKD`/>IJ'Z::/Y.F+S,K+\35TCP:'MJ/->[Z77[(Z=L2=.9 M(>#1PTLAUH2";:YRP,=Z"R9ZNFI]@CH=$"(2<-'N@1X)(GF:=OMGA^'I)/^A MA_&0+=^0I4Y/A^8H](_"$O?DHL-MM&>A"-Y=NIN MHF8=QZ[-"5,[G3.Y\)G[*O^Z+6VG0F+X&$7WYOJEXW#S?R.+>Z))LXC4[&W='KD18U!IXKM(>1^NAG*+KN;7G MSL#7P.ZT;'W;-:ZR]&1TQP.$=42XYL">UWZR9GXZNU=P;DM/'WE]+8>VXTOF MX!XZR1V"2.#SW")[^HHIA.*06D!4;CE==*IX5W6BG[88*EKUP&$86:V4F;_A M[8<)V\)"$O5>5`V5J<+2;DO**\@3O#FH6Y__TN<\?@LKUI7*D[/NF?O7>J*T MCM&<>HMV[^=`=Z*$5.P<`!%M0/II2'COU/$.]R:.)?349II*Y-U[:V+H".[L M.NRLU1!
2A]>5:]WT`)K?8:ZQ#8S^+ZG&^?W<:+N1JM^"?@79B;,00?Y\PGIH,BB<9XZX6QUC9@5D MX,VGSY#<10@S?[O%T&UG1?HG')OZ8^ZOM]O%)I=4;X)44[9]VN?^>F&@W>$1 M`%Z"P4'VV;S99%\I",W3V8#M;)3RG:&&FY%W*CR''8-%*?`V'G&M3WU#0BS[ M($%6FH_2]__[/QJ!;)65:WP*Q!5WMG%%7V!?-VWU1<6L"=HJ00,D:'EX#JF* MKNDDU5E=$*R_G%?PS=_EAMYULKVP*\6IE1T7\[GOQ(P?3$?G#1Z`%)S!"LL[ M^4@`CQF59B%?A!H`!!2E"UJ,@6>4V?/(WH&>- M'I$@G+%),85*+U`'#4A"3^'$W^$[CI/Y."+2>` M'@>1(`!Q5/B/DC"1[2/&L@'H;"L"E\7V<3/?+MJU_K)QN"L0/#QQ M<:BN6M+G+RA[#-A+<(]!HA$">`PF!\/*K7E3^V?0`^Z/QLGE]'6MK:$]")X@ MP;/#$?Q("`J%,(XR<-Z1PVO<.U@'!R!QL2VY$'X-E'MS4$-6DPT9<_HCWS0( MGT!;Y(W;.VQH2.'+$LMJFXII,EFX(1E34'/?`>FT2[K8=2@/B>H'W2+X;D." MZ*3[5+B\/@3[`L0/Q%GLX>W&_L8#YUES.&D)=/(V@O3VLSG(5'A/PT-90%VS M)WK_1/Q780MB*M#A].)M\83@D+*.;.,+?:6]&+=^A;F0`6AMQH%.^6/[3S'+ M%4>X6&\:4W:JU6*!V1543[`H.0[I[BAU/+A_X4E!)$B(UK![,G8?D+APE#,N M"(WU^;-.T-BWAJQD8W`US<5-WXWR0R+B_[3]'GU+\E`V/54/97LUNR' MK!.!SZ(&8%`#^WA<9NP[92/OFMKCUK:]08RGI>V6NN$<[$;6:1(K99$*.^L) M[*RBI-?&]28'%$&@Q60,VNG,`!U6<>0%'L.>FK0[&@S@"=*%\H_9,TU4);!Y M"=AFQJQ_N+SG!T7OU#!VZVM,<>>_M!P0G>2J`*2I`A*Q"<*$2H_`>QG(L?F[ M?]DJ#HT2DM.Y1W;SO9X(5D>1[%ZS'DOX]$9]>AYT;BYK8H2P!72H(`J<.Z*[ M^1S0V,R0*:'R']M\)1VJXO20'ZV"'S4_162GKT*3+J;R*503#9X?P9;R,=C9 MNA!.7D4,$UI7E25#C#)Z;V65YHX>&4?M#7SBNW%^V.84[`$?Z?\1DE\6WV65 M$U]35#R0EQSW^=6V7.:(P4F/[C\VJ(V]_H`&\A#^")5_F^=!LRK.PYM$9M?J MU;K;AWYK]XIB^0`<%65E!\/4"PDV0UT?/V;34NL?)AW-&2'#A`)QX/4_"!K0 MJDG?[NF5J&&I%0A\"#\#.?.ALMSN^8TIH46Y5HA/H:,&=!]"V^BI!=(H*\VL M$275$>E^0>'YQC#NGK@F5-KK#ET3I]KO=9T-E\(2%^?PS$Q!='OIZ7;4/7,[ M&'9/W7C"?7KM))/I=S#FG0F>L<$4XV[_T`.XQSMH%1G MZA5L,_\NBB,&H;'<[HYM??$MF_V=,4E[W=1=XUBB'J'N=?MNVD$LS9"[8%;RTVPM<^NR.C\FH]1!/NR..^*G[Q[A9N8-GD@'$'UU6 MZCUK(K#Q?F^89/&HS0DWJU+2VS1D3#[DSYG>4N'$L.BF*AVJ88-O9>;8`MXF M,F0>VE#0?*BE[T@VY[']M;.8[XZ%A([?6=85<-AG1([Z7%Y0^DXL8]J`S&#< M35T9ZK\['C0@(A2]JX6'[\AL^XZQS3%DM$QZ-O0Z^27M47T-=54WTAN6V
*HZ@"G%__^L_;Q:O]L8NK[UP&9IL"?K<:57'V0P.B"@V/ MV6OA'BH^)KJS]ZZ#*1=D0!KW4!SRI"'8L\7VT0USQF/C&8^-9,V?2_4Q"15R M]Y?$Q$#;1X_U9X0EE?W[M^MRNMA0W0>QUQ=4L?FIG+Z(K0LYNC6./O$;^8.J M\T1#@5)1QY_^:@I(MNOA`F@&M$MQNYN($+]M^CWPE&)O:4261E3NY# M]0L,P9R376?:7N21SS"?YE0_E.(?W[""*!0PHY\=@Z2RX.XRG;KG1=H]<0V= M7<-Q?)[I^^3C?$XAI.1GS]=)OYL.WLE"`[K*"\"M(\#G\TK(NZJM8/N6U-]4 M)0&$#,]0@Y7Z94;,60-2.N6>:]O8@B]N\9;3;F5D,4783;9B`D^R5`*\ M.P4_T'/HA->X#V=_\SE(S$]2H)2'KRJ)60A\D)4$4-NX,P!`<0E0P(PCP M,@\R7+4#E`H#SG\5MA]YH4(P@LZ8%2E[S-`15$$XZ%BKZEG][N[0,>.9Z9ZY M>KC/W63<^7G>V*:YLQ)"FER_Q*";NN-AMYS^7W1V;J9?#P5Q>A($,;42(7HN MG+>5)>$`BEK)6CTG2P);IJ?\C\A8`V`7.-'U3DX6^;.XLYBBE.],X4.'YVR. MRF[A^RU;XA\V\?@QDK== M_G0O*W+C#V;L`!!S#(=`O9.U+=%/,+.<`#-)BAQG=?Z/+=0;PG<,FK5#@7G/ M\$"LZE&Q.KO:[NCS])7T#Y:\("\$![3LD+':P3O;5MPJX/T1;J-8MM%"#O6F MK,HRDBKKM"/C(B:K,IMB#2)=6Y0[2`;='N/Y];*EHF5V\2C_C@IG,9T1!#JS MH+8O/UG`4Z6Q9H90S)@Q.4_,3_JVV-Y.XHA](,#_]SJA M%Z3?*O?E5Y8REX\F-C.^DXG+.9 MLC]U^(&RF#H*-G]?D@:3X.-RBDMT.&88VCIS#[Z5M6)^Q_PY6!H[KH[M4C<' M>:%"PB^09"EV..($(!4H^=UHR+71TA%V;A?=W)^<$/O3_A.&&6 MCE[G^!MRQ\&A9-S3Z8A#*1"W:/>/P^YXG]$Q>\0SI*,A1+XY&F7(>7R.!MT! M\^UA]IEO?/U^'\;B])H.1YQWZ`TWIC."'INHWC_E4'G.>L"[]GO:QYYT-`3Y M<=ASE`YP'.U7R[MO/4/I<\`<1P-$YG!7C]L)376*I:;QA#UFTM,:](_^@=M MT\I[(%&7D7P8H&P5#K33P/?HBJWGX+;'ZH%VM*>VW2/:?E:WMG-3^]*(9-3@ M37TF!+U!^!;!A)=IR44O>68O4[HKC3T<,+6)+NWJ.11>B6A)"K,IJO<::$]& M(9HN0'WH#LMQ)6[QUIY(Q\J7EA!W:G7VK$J.X&&?SW$_[QACA1[;/03_N8/M M*"RK[_I@F?H.%G:J$0<2VXX)S:RHE,K_*#]>E!:QKUVH*=*)]XSZZ\Z7N--89V MQAV`4LV^/0#%"T8&3,%20E[359@.Y4B^!*R2#$OY[BC1!`ND2@O28*9*D5'5 M8U-&559%JE-P'NM,N+NL^V,].)"W;A9+0Q5B=0D%CIS`@%0Q)F9:7?@OC'*OB)%;K_6D$`E(YC=:R)W0:LS(GI`(8&,7,DQ[PUB(DP5 M$YKJNIVK*)C"+6./6T=F">(X%MTP>J^..,X=@O`IQ_VF1$ZZITP&0*^;NF'X MU86-5P%,!Z<Y:WV':G": MHI+.]>#B(GG":PB^IY!ZT-M!GUY@CN]HB@J_%(MP_(@2%&Z+OBEPL0A+,5NN M+?^1-"RK[I=S*R=O=]OF%M=NFH$(VR9CZX2QJBU#55^'Q.VA\7`;=K/GE#[# MGV6")'T.:>]EMI$63R)?`C$O2*:Z?C1[CJM'R3PAY@]]7P"J4J':P/>'-O"'!8PW",G@&W2E<#-7LX%? M+ATLQ(IK'(T*,]5/G(9HMD9&G1>P+W=,6,SB8 MP,GIJHR.SGFI#%&]J_GARVO]QLZQT;\;D/"94V[XE.WX3+3;H9%#&)_OP&M/ENGV??SP# MG/JZ*<9SD!]^@1O2D'V!Y_*@]D3Q+2D%4)=]9)/%TL M9`7;-8#KK05)0;S,Y@M\IY\F*?I.TI'XFY@+Q*BC>E@+_;^1*7TOX@C(=`B4 M&+;*A^Z?\MDUS33^]1)PRN@O4-BY1'U#PRB8<\"O\04E<9,-4PJI[E_&D'T# M7:2]8?=LY,V"__E*]U[7)[ZPJA(_,$DT(\I12(:J)/,8D?3^,!EMN%=^Z0_5 M(O1'P460>2)B/G)B:9^=F:`S4A1/QB&**5),=/'JH8?>F:8W#M)KY8#P?;3+ M!Q^Z_@RCT^A.ZC_:F7+^']/QV`%!V%NBHOPF]OU;79GD#1P2M&??]!Z1'WF# M-/>GB/7VX`O7'N=2CF0C*^#DMX+>>=;H4YL#TB!(!&@[)J'UE,T5#$Q#Y>B> MTP6@^H68G9+7?5BT]O%(=OH[0.A0A)?G+;;/3LM$E'GE2@9]_B$&F`X)@D,6 M;41W;Q"S,94]QTLBG414!.$KM!%_@VT%RP^%'<3IRCIC5)(@A-#))6+*#RZG MN2?33SGU#(>9\X]]N%1DO<<#(+7(V,(*>TVQA*83;2`Q M\N'4J@4J/4U8-4"?E)\*C$3-GGRVG*F02.XJ2F)3U3CM7YN?"G9K_].?A#7, M*"QZ9MIXW?WR@_KOJ,S!32/S43S1CC?99@-J1']9O07SR4)!-C7CJ96%"P%- MX$R/13!BF@9`'36Z_$KM;P+:S#!GMQ!2E\P6T]PM<'EG?H+GOJ_Y$@W!1QZD M'J_(Z*@AD$C3C<-Y`OM4L) M_EWRR^*!V%_@=\)<\1'%MXU8"*=4)?S7+TA$,OI;MR@@ZUUZ-0-*8`-_%$H,*Z&7P%P^@F#P1S MLJ45GKDN%@"'@(:'PGP'`@8+7GST1';"%'P!,Q6/8@`^%^9! MQY&OY^IYL5A(X0]?#0OMSXC$3WZZLMHD7?RB!7 M;81=;K,82,1H@AHSZN&EX-&O6I#R@R$V)W8%);$.0>L!U"FB->[%_=V-Y6UJ MHJ0>4106*%/WV?=L&4/#.Q-<^OMB@9F0!Q8!1=8+'Q;>-N@BF-?K3/@3=Q1. M!19QGVE2KYWD:?HL-"&=IHOIRWK+0/'9K_!"@<"U0UAT9`D`_D@+:`E-L:.> MXV\%YQ`$C*J*R`X0X`32SHI'T(UXI%XO5]M-'><@^%`C6N:$SX)Y/)!&;@^` M-31_`ZS,)5KZG[`+*,JG#@Y!9U;,5"[H^=6D$JI@`D*<>3O0.9KDA3CZNVUH MN:.[D%9$P\%]F236I,]10"`EV9/(1[<`.S@JOBN5/Q0W46NM<.TA_$#L[D62 M^HL`>-OT6[091+11`DQ;5@JU"K\28BVQ&15!DQ2XW^ZIXCN**\!VA;>G*WWT M:^4(\<6[7>/!4$OY#F>G@09BB>QQ6MRAVD_NEJ[#IW1B[LC M7S!8[0.S[[?+BH7F];N`%CRJQ!Z_3QAR]^#H=F^;&E[`ZNZK8`]I<&7-%^(+ MXROXQL0?@86GZ]0#LN):]SR#:ECS1?%"-/&]7HB8A&K?Y,^N`>83T;I6A\3H MYW/9 M:K!H.36Y?>N?:X$4EY'-2R:NN0NIH'#E2?&$CM6YM6%M5U(+7P]("%H,\`_P M3@E5PWEQB*/^DA\>F#<#O>D+DK78P8IB,:1NN*\E^>SAX#_268M M=H.,%[)EM!D5#:AF\+J$\812_?OUQQ;+;VY`%G`+0G/ZB^21C^66SS]$3\=QK^["S\\SCX!O7"G#1ULOF"^0_9B192,T:4;2J;T^0L.(7M;@57I"50C^ MW$S8)XX9$M"D[G'<(-QWIC1FVN-_[/$_GJ^$KNV?\<_=B-OJD;WKI'A9NFJ1 M@ZOXE+U(\/NUC=N"+T?L4U<]'>]\0^^J"I/``C!!>"8/=,V_;:?BZ`3,?&-5 M7$XWT\3[PX'`%ZZ-7(!CQOMSQOOF/MD.19[$)\;GZ+!2F&Y"V@I$@/B>B[&* M"6N7J6\[0(U8=5.R$G-\GS?GL1+S=E8=RJ*PP.")`&X'W>//4TS/`<BR]K=)Q1ULQG.AW<'-AZ*!H%E,84Z,._(V@]$`<*+``VL[R:[-S[!=3\UC M;=%[DT5465.-U\U%G/6;\N3;D1_Z@&=EXA:>$54VRLQ$;Z;8-;NUR1+()?$% M9[=.())=E5_,5-"5BDMG7_=)%GVJ@OKT_'B0]<)KV)4X$5LLF8M04]\VU#6S M0!+TZ\D&_:)7&U^-QD"3A3_9!X:(4\0GMB=ZSCW"Q(9\^=X""/)#8^\@07LY M3.*AQ.N]3&K7:%+G,T+:Z&`2AZ=^.'2/;I6CK>IR90UDKL&]I][NO7?NC@PD M3JY=&#;_"ABD-G@MH)Q-+U:99^&F#763Q`Q=NK<@!W1<]0C9R'2*B"WDUR7( MDV/S2NOYO5(UXM?U>O.O_P]02P$"%`,4````"``=A]U&T(_SMX8"``#R.@`` M$P``````````````@`$`````6T-O;G1E;G1?5'EP97-=+GAM;%!+`0(4`Q0` M```(`!V'W49(=07NQ0```"L"```+``````````````"``;<"``!?&UL4$L!`A0#%`````@`'8?=1CSH$,,_`0``:0,``!$``````````````(`! M"0P``&1O8U!R;W!S+V-O&UL4$L!`A0#%`````@`'8?=1IE-G(E$L"```M"@``#0``````````````@`&X$P``>&PO MD MG(4"```K"0``&```````````````@`&_'0``>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1@\+\?(,!0``:AD``!@````````````` M`(`!>B```'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%``` M``@`'8?=1C?'6F]6`@``@0<``!@``````````````(`!/BT``'AL+W=O&PO M=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1B07''"B`0`` ML0,``!@``````````````(`!J3H``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@` M'8?=1CJY'SFD`0``L0,``!D``````````````(`!$T(``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1IP4"/ND`0`` ML0,``!D``````````````(`!I$<``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1JWM6[.D`0``L0,``!D````````` M`````(`!-4T``'AL+W=O&PO=V]R:W-H M965T$T5RI`$``+$#```9 M``````````````"``>U0``!X;"]W;W)K&UL4$L! M`A0#%`````@`'8?=1N^E?T*D`0``L0,``!D``````````````(`!R%(``'AL M+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?= M1D`]U^:G`0``L0,``!D``````````````(`!6E@``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1L5(9>S:`@``^PP` M`!D``````````````(`![ET``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1G7_UC6D`0``L0,``!D````````````` M`(`!5V4``'AL+W=O&PO=V]R:W-H965T M&UL4$L!`A0# M%`````@`'8?=1L_@%]ZR`0``%@0``!D``````````````(`!%&L``'AL+W=O M&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1BWM M;#BD`0``L0,``!D``````````````(`!TG```'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1LFGR`G/`0``X`0``!D` M`````````````(`!M78``'AL+W=O```>&PO M=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1@_\S^*F`0``L0,``!D``````````````(`! MCGP``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%``` M``@`'8?=1D4`C2]%`P``1PT``!D``````````````(`!/H(``'AL+W=O&UL4$L!`A0#%`````@`'8?=1AIHJ?K0 M!```Y!H``!D``````````````(`!RHX``'AL+W=O#0``&0`````````````` M@`'1DP``>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1A/;S>![!```@1<``!D````` M`````````(`!:)L``'AL+W=O&PO=V]R M:W-H965T&UL M4$L!`A0#%`````@`'8?=1K7P\4=C`@``!`D``!D``````````````(`!(ZT` M`'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@` M'8?=1K0\Q)H2!@``S2(``!D``````````````(`!MKH``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1DYUQ@%T`@`` M&0D``!D``````````````(`!<&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1H%Z>;!)`P``/0\``!D````````` M`````(`!1]```'AL+W=O&PO=V]R:W-H M965T&UL4$L! M`A0#%`````@`'8?=1MCCK7.@`@``?@D``!D``````````````(`!H=D``'AL M+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?= M1N$3*D>3`P``!Q```!D``````````````(`!#N(``'AL+W=O&PO=V]R:W-H965T&@0``'D4```9``````````````"``;3H``!X;"]W;W)K M&UL4$L!`A0#%`````@`'8?=1BTROR+D`@``1@P` M`!D``````````````(`!!>T``'AL+W=OH\DL#``!>#@``&0``````````````@`$@\``` M>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1D9&70%E`P``D`\``!D````````````` M`(`!.?<``'AL+W=O&PO=V]R:W-H965T M&UL4$L!`A0# M%`````@`'8?=1DE.0"[U`0``3P4``!D``````````````(`!V``!`'AL+W=O M&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1OL/ MBQ1``@``9`<``!D``````````````(`!"0@!`'AL+W=O&PO=V]R:W-H965T[%&`,``(<,```9``````````````"``=<,`0!X;"]W;W)K&UL4$L!`A0#%`````@`'8?=1AC+N46P`P``>1$``!D` M`````````````(`!)A`!`'AL+W=O&PO M=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1H5H7YHB`@``608``!D``````````````(`! M:AH!`'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%``` M``@`'8?=1OF="VT=`@``+08``!D``````````````(`!S2$!`'AL+W=O&UL4$L!`A0#%`````@`'8?=1A@3>8J/ M`@``R`H``!D``````````````(`![2L!`'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`'8?=1N3@+H,K"```CCH``!D````` M`````````(`!,C&PO=V]R M:W-H965T4=)`8``&8B M```9``````````````"``6!#`0!X;"]W;W)K&UL M4$L!`A0#%`````@`'8?=1B%LO\G&`0``4`0``!D``````````````(`!NTD! M`'AL+W=O&PO=V]R:W-H965T&PO=V]R:W-H965T&PO=V]R:W-H M965T&PO XML 20 R70.htm IDEA: XBRL DOCUMENT v3.2.0.727

Income Taxes Components of Income Tax Expense (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Federal Income Tax Expense (Benefit), Continuing Operations [Abstract]

Current Federal Tax Expense (Benefit) $ 0 $ (35) $ 149

State and Local Income Tax Expense (Benefit), Continuing Operations [Abstract]

Current State and Local Tax Expense (Benefit) 166 137 179

Income tax expense (benefit) $ (31) $ (62) $ (57) $ (16) $ (8) $ (16) $ (72) $ 166 $ 102 $ 328

X

- Definition
Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Current Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6509736

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I.7)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section I

-Paragraph Question 1-7

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_CurrentFederalTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I.7)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Current Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6509736

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section I

-Subsection 7

+ Details

Name: us-gaap_CurrentStateAndLocalTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StateAndLocalIncomeTaxExpenseBenefitContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 21 R55.htm IDEA: XBRL DOCUMENT v3.2.0.727

Credit Risk Profile Internal Grade (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net $ 483,193 $ 389,956

Multifamily Loans [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 94,706 47,525

Multifamily Loans [Member] | Pass [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 93,218 46,028

Multifamily Loans [Member] | Special Mention [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Multifamily Loans [Member] | Substandard [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 1,488 1,497

Multifamily Loans [Member] | Doubtful [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Multifamily Loans [Member] | Unlikely to be Collected Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Commercial Real Estate Portfolio Segment [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 185,851 198,101

Commercial Real Estate Portfolio Segment [Member] | Pass [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 181,340 184,850

Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 1,890 7,129

Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 2,621 6,122

Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Commercial Real Estate Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Construction Loans [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 5,076 5,070

Construction Loans [Member] | Pass [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 5,076 5,070

Construction Loans [Member] | Special Mention [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Construction Loans [Member] | Substandard [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Construction Loans [Member] | Doubtful [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Construction Loans [Member] | Unlikely to be Collected Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Commercial Loan [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 70,599 26,931

Commercial Loan [Member] | Pass [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 62,419 20,638

Commercial Loan [Member] | Special Mention [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 1,065 1,295

Commercial Loan [Member] | Substandard [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 7,115 4,998

Commercial Loan [Member] | Doubtful [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

Commercial Loan [Member] | Unlikely to be Collected Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 0 0

One- to four family loans [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 126,527 112,191

One- to four family loans [Member] | Performing Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 122,689 109,890

One- to four family loans [Member] | Nonperforming Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 3,838 2,301

Consumer Loan [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 434 138

Consumer Loan [Member] | Performing Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net 434 137

Consumer Loan [Member] | Nonperforming Financing Receivable [Member]

Financing Receivable, Recorded Investment [Line Items]

Loans Receivable, Net $ 0 $ 1

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes loans held for sale. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph a

-Article 9

+ Details

Name: us-gaap_LoansReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_MultifamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_UnlikelyToBeCollectedFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 22 R78.htm IDEA: XBRL DOCUMENT v3.2.0.727

Other Comprehensive Income (Loss) Reclassifications from Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Statement of Comprehensive Income [Abstract]

Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax $ 8 $ 552

Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, Net of Tax 0 1,148

Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax $ 8 $ (596)

X

- Definition
Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount after tax of reclassification adjustment from accumulated other comprehensive (income) loss related to net period benefit cost (credit) for pension and other postretirement defined benefit plans.
+ References
No definition available.
+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax of reclassification adjustments of other comprehensive income (loss).
+ References
No definition available.
+ Details

Name: us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 23 R46.htm IDEA: XBRL DOCUMENT v3.2.0.727

Investment Securities Amortized Cost and Estimated Fair Value (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis $ 102,230 $ 94,233

Available-for-sale Securities, Gross Unrealized Gain 102 0

Available-for-sale Securities, Gross Unrealized Loss (1,147) (4,772)

Available-for-sale 101,185 89,461

Held-to-maturity Securities, Amortized Cost 11,922 9,029

Held-to-maturity Securities, Unrecognized Holding Gain 309 225

Held-to-maturity Securities, Unrecognized Holding Loss 0 (283)

Held-to-maturity securities fair value 12,231 8,971

securities amortized cost 114,152 103,262

Unrealized Gain on Securities 411 225

Unrealized Loss on Securities (1,147) (5,055)

Investments, Fair Value Disclosure 113,416 98,432

Government National Mortgage Association

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 5,575 5,972

Available-for-sale Securities, Gross Unrealized Gain 9 0

Available-for-sale Securities, Gross Unrealized Loss (57) (307)

Available-for-sale 5,527 5,665

Held-to-maturity Securities, Amortized Cost 3,100 3,743

Held-to-maturity Securities, Unrecognized Holding Gain 232 225

Held-to-maturity Securities, Unrecognized Holding Loss 0 0

Held-to-maturity securities fair value 3,332 3,968

Federal Home Loan Mortgage Corporation

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 10,705 12,160

Available-for-sale Securities, Gross Unrealized Gain 10 0

Available-for-sale Securities, Gross Unrealized Loss (127) (564)

Available-for-sale 10,588 11,596

Federal National Mortgage Association

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 10,925 10,897

Available-for-sale Securities, Gross Unrealized Gain 35 0

Available-for-sale Securities, Gross Unrealized Loss (103) (466)

Available-for-sale 10,857 10,431

Held-to-maturity Securities, Amortized Cost 8,655 5,079

Held-to-maturity Securities, Unrecognized Holding Gain 77 0

Held-to-maturity Securities, Unrecognized Holding Loss 0 (283)

Held-to-maturity securities fair value 8,732 4,796

Other mortgage-backed securities

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 47 49

Available-for-sale Securities, Gross Unrealized Gain 0 0

Available-for-sale Securities, Gross Unrealized Loss 0 0

Available-for-sale 47 49

Mortgage-backed securities

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 27,252 29,078

Available-for-sale Securities, Gross Unrealized Gain 54 0

Available-for-sale Securities, Gross Unrealized Loss (287) (1,337)

Available-for-sale 27,019 27,741

Held-to-maturity Securities, Amortized Cost 11,755 8,822

Held-to-maturity Securities, Unrecognized Holding Gain 309 225

Held-to-maturity Securities, Unrecognized Holding Loss 0 (283)

Held-to-maturity securities fair value 12,064 8,764

US Government Agency Securities

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 58,464 55,155

Available-for-sale Securities, Gross Unrealized Gain 48 0

Available-for-sale Securities, Gross Unrealized Loss (662) (2,966)

Available-for-sale 57,850 52,189

Other

Schedule of Investments [Line Items]

Available-for-sale Securities, Amortized Cost Basis 16,514 10,000

Available-for-sale Securities, Gross Unrealized Gain 0 0

Available-for-sale Securities, Gross Unrealized Loss (198) (469)

Available-for-sale 16,316 9,531

Held-to-maturity Securities, Amortized Cost 167 207

Held-to-maturity Securities, Unrecognized Holding Gain 0 0

Held-to-maturity Securities, Unrecognized Holding Loss 0 0

Held-to-maturity securities fair value $ 167 $ 207

X

- Definition
securities amortized cost
+ References
No definition available.
+ Details

Name: carv_SecuritiesAmortizedCost

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleSecuritiesAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of unrealized gain before deducting unrealized loss on investments in debt and equity securities classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of unrealized loss before deducting unrealized gain on investments in available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount before other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.
+ References
No definition available.
+ Details

Name: us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of unrecognized gain before loss on investments in held-to-maturity securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingGains

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of unrecognized loss before gain on investments in held-to-maturity securities. Excludes write-down for other than temporary impairment (OTTI).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Fair value portion of investment securities, including, but not limited to, marketable securities, derivative financial instruments, and investments accounted for under the equity method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Trading Securities

-URI http://asc.fasb.org/extlink&oid=6526789

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 35

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=27723805&loc=d3e24584-111560

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Available-for-Sale Securities

-URI http://asc.fasb.org/extlink&oid=6505594

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 1

-Subparagraph a, f, g

-Article 7

+ Details

Name: us-gaap_InvestmentsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfInvestmentsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The increase (decrease), resulting in a gain, in the difference between the fair value and the carrying value, or in the comparative fair values, of securities held at each balance sheet date, that was included in earnings for the period.
+ References
No definition available.
+ Details

Name: us-gaap_UnrealizedGainOnSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease), resulting in a loss, in the difference between the fair value and the carrying value, or in the comparative fair values, of securities held at each balance sheet date, that was included in earnings for the period.
+ References
No definition available.
+ Details

Name: us-gaap_UnrealizedLossOnSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesOtherMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_OtherDebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 24 R33.htm IDEA: XBRL DOCUMENT v3.2.0.727

Borrowed Money (Tables)
12 Months Ended

Mar. 31, 2015

Borrowed Money [Abstract]

Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]
FHLB-NY advances weighted average interest rates by remaining period to maturity at March 31 are as follows:

$ in thousands

2015

2014
Maturing Year Ended March 31,

Weighted
Average Rate

Amount

Weighted
Average Rate

Amount
2015

—%

$
—

0.40%

$
27,000

2016

0.34%

40,000

—

—

2017

—

—

—

—

2018 and after ⁽¹⁾

1.50%

25,000

1.50%

25,000

0.79%

$
65,000

0.93%

$
52,000

Schedule of Debt [Table Text Block]
The following table sets forth certain information regarding Carver Federal's borrowings as of and for the years ended March 31:
$ in thousands
2015

2014

2013
Amounts outstanding at the end of year:

FHLB advances
$
65,000

$
52,000

$
58,000

Subordinated debt securities
$
18,403

$
18,403

$
18,403

Rate paid at year end:

FHLB advances
0.79
%

0.93
%

1.63
%
Subordinated debt securities
2.99
%

2.99
%

2.99
%

Maximum amount of borrowing outstanding at any month end:

FHLB advances
$
65,000

$
77,000

$
69,011

Subordinated debt securities
$
18,403

$
18,403

$
18,403

Approximate average amounts outstanding for year:

FHLB advances
$
28,299

$
32,825

$
31,531

Subordinated debt securities
$
18,403

$
18,403

$
18,403

Approximate weighted average rate paid during year:

FHLB advances
1.91
%

1.84
%

2.53
%
Subordinated debt securities
2.98
%

2.99
%

3.11
%

X

- Definition
Borrowed Money [Abstract]
+ References
No definition available.
+ Details

Name: carv_BorrowedMoneyAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfDebtTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of advances by federal home loan bank by branch.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6479336&loc=d3e64711-112823

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13,16)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 13, 16

-Article 9

+ Details

Name: us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 25 R79.htm IDEA: XBRL DOCUMENT v3.2.0.727

Other Comprehensive Income (Loss) Other Comprehensive Income (Loss) text tags (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Statement of Comprehensive Income [Abstract]

Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net $ 3,700 $ (5,800)

Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Reclassification Adjustments, Net $ 1,217

X

- Definition
Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax and reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (i-k)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 26 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 27 R73.htm IDEA: XBRL DOCUMENT v3.2.0.727

Income Taxes Income Taxes Text tags (Details) - USD ($)
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Jun. 30, 2011

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

INCOME TAXES [Abstract]

Income Tax Effects Allocated Directly to Equity $ 0

Income tax expense (benefit) $ (31,000) $ (62,000) $ (57,000) $ (16,000) $ (8,000) $ (16,000) $ (72,000) 166,000 $ 102,000 $ 328,000

Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount 741,000 $ (204,000) $ 795,000

Stock Issued During Period, Value, Issued for Cash $ 55,000,000

Operating Loss Carryforwards 900,000 900,000

Deferred Tax Assets, Net of Valuation Allowance 29,200,000 29,200,000

Deferred Tax Asset Reduction 5,800,000 5,800,000

Deferred Tax Assets, Net of Valuation Allowance, Current 23,400,000 23,400,000

Deferred Tax Assets, Operating Loss Carryforwards, Federal 33,900,000 33,900,000

Deferred Tax Assets, Operating Loss Carryforwards, State and Local 52,700,000 52,700,000

Deferred Tax Assets, Operating Loss Carryforwards, City $ 47,200,000 $ 47,200,000

X

- Definition
Deferred Tax Asset Reduction
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetReduction

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Deferred Tax Assets, Operating Loss Carryforwards, City
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetsOperatingLossCarryforwardsCity

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Deferred Tax Assets, Operating Loss Carryforwards, Federal
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetsOperatingLossCarryforwardsFederal

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
INCOME TAXES [Abstract]
+ References
No definition available.
+ Details

Name: carv_IncomeTaxesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (b),(c)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

+ Details

Name: us-gaap_DeferredTaxAssetsNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards expected to be realized or consumed within one year or operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e31917-109318

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e31931-109318

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e31928-109318

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e31958-109318

+ Details

Name: us-gaap_DeferredTaxAssetsNetCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible state and local operating loss carryforwards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

+ Details

Name: us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The sum of the tax effects of all items occurring during the period that have been charged or credited directly to other comprehensive income or to related components of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 20

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=18498875&loc=d3e39076-109324

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32672-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 20

-Section 45

-Paragraph 2

-Subparagraph (d),(e)

-URI http://asc.fasb.org/extlink&oid=18498875&loc=d3e38679-109324

+ Details

Name: us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to increase (decrease) in the valuation allowance for deferred tax assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32123-109318

+ Details

Name: us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of operating loss carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

+ Details

Name: us-gaap_OperatingLossCarryforwards

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Value of shares issued as consideration for cash for development stage entities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 915

-SubTopic 215

-Section 45

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6472370&loc=d3e38297-110927

+ Details

Name: us-gaap_StockIssuedDuringPeriodValueIssuedForCash

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 28 R89.htm IDEA: XBRL DOCUMENT v3.2.0.727

Commitments and Contingencies Lease Commitments (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Commitments and Contingencies Disclosure [Abstract]

Operating Leases, Rent Expense $ 1,558 $ 1,500 $ 1,800

Operating Leases, Future Minimum Payments Due, Next Twelve Months 1,515

Operating Leases, Future Minimum Payments, Due in Two Years 1,543

Operating Leases, Future Minimum Payments, Due in Three Years 1,130

Operating Leases, Future Minimum Payments, Due in Four Years 1,032

Operating Leases, Future Minimum Payments, Due Thereafter 3,364

Operating Leases, Future Minimum Payments Due 10,142

Operating Leases, Income Statement, Sublease Revenue 0

Operating Leases, Future Minimum Payments, Next Rolling Twelve Months $ 1,558

Operating Leases, Future Minimum Payments, Due in Rolling Year Five $ 10,142

X

- References
No definition available.
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of rent expense incurred for leased assets, including but not limited to, furniture and equipment, that is not directly or indirectly associated with the manufacture, sale or creation of a product or product line.
+ References
No definition available.
+ Details

Name: us-gaap_LeaseAndRentalExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of required minimum rental payments for leases having an initial or remaining non-cancelable letter-terms in excess of one year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInRollingYearFive

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of revenue recognized for the period under subleasing arrangements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 55

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6584307&loc=d3e41620-112719

+ Details

Name: us-gaap_OperatingLeasesIncomeStatementSubleaseRevenue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Rental expense for the reporting period incurred under operating leases, including minimum and any contingent rent expense, net of related sublease income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41499-112717

+ Details

Name: us-gaap_OperatingLeasesRentExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 29 R57.htm IDEA: XBRL DOCUMENT v3.2.0.727

Impaired Loans (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, Related Allowance $ 556 $ 1,631

Impaired Financing Receivable, Recorded Investment 16,512 22,502

Impaired Financing Receivable, Unpaid Principal Balance 17,195 23,328

Impaired Financing Receivable, Average Recorded Investment 14,732 25,805 $ 30,351

Impaired Financing Receivable, Interest Income, Cash Basis Method 461 667 825

One- to four family loans [Member]

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, with No Related Allowance, Recorded Investment 2,752 639

Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 3,007 893

Impaired Financing Receivable, with Related Allowance, Recorded Investment 4,295 5,833

Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 4,541 5,958

Impaired Financing Receivable, Related Allowance 286 520

Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment 1,669 1,541 1,215

Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method 17 12 47

Impaired Financing Receivable, with Related Allowance, Average Recorded Investment 5,158 5,290 5,363

Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method 104 142 57

Multifamily Loans [Member]

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, with No Related Allowance, Recorded Investment 237 0

Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 237 0

Impaired Financing Receivable, with Related Allowance, Recorded Investment 1,251 2,240

Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 1,349 2,240

Impaired Financing Receivable, Related Allowance 181 92

Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment 222 729 308

Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method 0 17 5

Impaired Financing Receivable, with Related Allowance, Average Recorded Investment 1,255 513 0

Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method 24 0 0

Commercial Real Estate Portfolio Segment [Member]

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, with No Related Allowance, Recorded Investment 1,880 3,972

Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 1,880 4,147

Impaired Financing Receivable, with Related Allowance, Recorded Investment 741 4,812

Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 741 5,023

Impaired Financing Receivable, Related Allowance 76 255

Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment 1,670 7,941 9,865

Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method 83 227 235

Impaired Financing Receivable, with Related Allowance, Average Recorded Investment 0 3,991 6,302

Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method 0 43 133

Construction Loans [Member]

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment 0 393 1,230

Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method 0 0 53

Commercial Loan [Member]

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, with No Related Allowance, Recorded Investment 4,568 341

Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance 4,652 402

Impaired Financing Receivable, with Related Allowance, Recorded Investment 788 4,664

Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 788 4,664

Impaired Financing Receivable, Related Allowance 13 764

Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment 3,903 1,508 1,136

Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method 215 14 41

Impaired Financing Receivable, with Related Allowance, Average Recorded Investment 855 3,899 4,932

Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method 18 212 $ 254

Consumer Loan [Member]

Financing Receivable, Impaired [Line Items]

Impaired Financing Receivable, with No Related Allowance, Recorded Investment 0 1

Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance $ 0 $ 1

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableImpairedLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of allowance for credit losses related to recorded investment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(3)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableRelatedAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of average investment of impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income, recognized on cash basis, on financing receivables, for which there is no related allowance for credit losses and are recognized as impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of unpaid principal balance of impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of average investment of impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income on financing receivables, for which there is a related allowance for credit losses, recognized on a cash-basis method of accounting that the financing receivables were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Unpaid principal balance of impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_MultifamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 30 R76.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity Stockholders' Equity Text tags (Details) - USD ($)
$ / shares in Units, $ in Millions
3 Months Ended 9 Months Ended 12 Months Ended

Jun. 30, 2011

Dec. 31, 1994

Dec. 31, 2011

Mar. 31, 2014

Mar. 31, 2015

Oct. 24, 1994

Stockholders' Equity Note [Abstract]

Common Stock, Shares, Issued 3,697,836 3,698,031 2,314,375

Common Stock, Par or Stated Value Per Share $ 0.01 $ 0.01 $ 0.01

Share Price $ 10

Proceeds from Issuance of Common Stock $ 21.5

Tier One Leverage Capital Required for Capital Adequacy to Average Assets 9.00% 4.00%

Capital Required for Capital Adequacy to Risk Weighted Assets 13.00% 8.00%

OCC directive Tier 1 Leverage capital ratio 9.00%

OCC directive Total risk-based capital ratio 13.00%

Tier One Leverage Capital to Average Assets 10.38% 10.85%

Capital to Risk Weighted Assets 20.12% 16.78%

Tier One Risk Based Capital to Risk Weighted Assets 17.55% 15.10%

Proceeds from Issuance of Convertible Preferred Stock $ 55.0

Proceeds from Issuance of Preferred Stock and Preference Stock 51.4

Proceeds from Contributions from Parent $ 37.0 $ 7.0

X

- Definition
OCC directive Tier 1 Leverage capital ratio
+ References
No definition available.
+ Details

Name: carv_OccDirectiveTier1LeverageCapitalRatio

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
OCC directive Total risk-based capital ratio
+ References
No definition available.
+ Details

Name: carv_OccDirectiveTotalRiskBasedCapitalRatio

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Total Capital divided by risk weighted assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_CapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Face amount or stated value per share of common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The cash inflow from parent as a source of financing that is recorded as additional paid in capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromContributionsFromParent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from the additional capital contribution to the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

+ Details

Name: us-gaap_ProceedsFromIssuanceOfCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from issuance of preferred stocks identified as being convertible into another form of financial instrument, typically the entity's common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Price of a single share of a number of saleable stocks of a company.
+ References
No definition available.
+ Details

Name: us-gaap_SharePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityNoteAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Leverage Capital divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 capital divided by risk weighted assets as defined by regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

XML 31 R86.htm IDEA: XBRL DOCUMENT v3.2.0.727

Commitments and Contingencies Commitments (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Commitments [Abstract]

Mortgage loan commitments $ 30,972 $ 5,750

Other Commitment 8,963 0

Line of Credit, Current 5,355 6,140

Letters of Credit Outstanding, Amount 234 245

Commitments and Contingencies $ 45,524 $ 12,135

X

- Definition
Commitments [Abstract]
+ References
No definition available.
+ Details

Name: carv_CommitmentsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Mortgage loan commitments
+ References
No definition available.
+ Details

Name: carv_Mortgageloancommitments

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.(a),19)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 450

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14326-108349

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.17)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.25)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 7

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 25

-Article 5

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 17

-Article 9

+ Details

Name: us-gaap_CommitmentsAndContingencies

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The total amount of the contingent obligation under letters of credit outstanding as of the reporting date.
+ References
No definition available.
+ Details

Name: us-gaap_LettersOfCreditOutstandingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The carrying value as of the balance sheet date of the current portion of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Line-of-Credit Arrangement

-URI http://asc.fasb.org/extlink&oid=6517033

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.20)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 19, 20

-Article 5

+ Details

Name: us-gaap_LinesOfCreditCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Minimum amount of other commitment not otherwise specified in the taxonomy. Excludes commitments explicitly modeled in the taxonomy, including but not limited to, long-term and short-term purchase commitments, recorded and unrecorded purchase obligations, supply commitments, registration payment arrangements, leases, debt, product warranties, guarantees, environmental remediation obligations, and pensions.
+ References
No definition available.
+ Details

Name: us-gaap_OtherCommitment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 32 R81.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans Net Periodic Pension Benefit (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]

Defined Benefit Plan, Interest Cost $ 0 $ 61 $ 106

Periodic Pension Benefit Unrecognized loss 0 34 45

Defined Benefit Plan, Settlements, Benefit Obligation 0 1,180 100

Defined Benefit Plan, Expected Return on Plan Assets 0 (106) (176)

Defined Benefit Plan, Net Periodic Benefit Cost $ 0 $ 1,169 $ 75

X

- Definition
Net periodic pension benefit settlement charge
+ References
No definition available.
+ Details

Name: carv_NetPeriodicPensionBenefitSettlementCharge

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Periodic Pension Benefit Unrecognized loss
+ References
No definition available.
+ Details

Name: carv_PeriodicPensionBenefitUnrecognizedLoss

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Glossary Expected Return on Plan Assets

-URI http://asc.fasb.org/extlink&oid=6512136

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 60

-Glossary Expected Return on Plan Assets

-URI http://asc.fasb.org/extlink&oid=6512171

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)(3)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)(2)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanInterestCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (j)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedBenefitPlansAndOtherPostretirementBenefitPlansTableTextBlockLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 33 R87.htm IDEA: XBRL DOCUMENT v3.2.0.727

Commitments and Contingencies Repurchase request (Details)
$ in Thousands
12 Months Ended

Mar. 31, 2015

USD ($)

Repurchase request [Abstract]

Principal payments received on open claims $ (30)

Open claims, beginning balance 2,075

Gross new demands received 129

Loan repurchased/made whole (129)

Open claims, ending balance ^[1] $ 2,045

[1] (1) The open claims include all open requests received by the Bank where either FNMA has requested loan files for review, where FNMA has not formally rescinded the repurchase request or where the Bank has not agreed to repurchase the loan. The amounts reflected in this table are the unpaid principal balance and do not incorporate any losses the Bank would incur upon the repurchase of these loans.

X

- Definition
Gross new demands received
+ References
No definition available.
+ Details

Name: carv_GrossNewDemandsReceived

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Loan repurchased/made whole
+ References
No definition available.
+ Details

Name: carv_LoanRepurchasedmadeWhole

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Open claims, begining balance
+ References
No definition available.
+ Details

Name: carv_OpenClaimsBeginingBalance

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Principal payments received on open claims
+ References
No definition available.
+ Details

Name: carv_Principalpaymentsreceivedonopenclaims

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Repurchase request [Abstract]
+ References
No definition available.
+ Details

Name: carv_RepurchaseRequestAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 34 R77.htm IDEA: XBRL DOCUMENT v3.2.0.727

Other Comprehensive Income (Loss) Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Dec. 31, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Other Comprehensive Income (Loss) [Abstract]

Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax $ (1,045) $ (4,768) $ 1,064

Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net 3,700 (5,800)

Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax 0 (501)

Pension plan adjustment $ (432) (716)

Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Reclassification Adjustments, Net 1,217

Accumulated Other Comprehensive Income (Loss), Net (1,045) (4,768) $ 563

Other Comprehensive Income (Loss), Net of Tax $ 3,723 $ (4,615)

X

- Definition
Other Comprehensive Income (Loss) [Abstract]
+ References
No definition available.
+ Details

Name: carv_OtherComprehensiveIncomeLossAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Pension plan adjustment
+ References
No definition available.
+ Details

Name: carv_Pensionplanadjustment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (j-k)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (i)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax and reclassification adjustments of other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669619-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax and reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (i-k)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 35 R71.htm IDEA: XBRL DOCUMENT v3.2.0.727

Income Taxes Reconciliation Expected Federal Income tax rate to Effective Tax Rate (Details) - USD ($)
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

INCOME TAXES [Abstract]

Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount $ 240,000 $ (250,000) $ 337,000

Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount 41,000 (16,000) 49,000

Effective Income Tax Rate Reconciliation, Tax Credit, Other, Amount (32,000) (32,000) (32,000)

Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount (1,568,000) (1,068,000) 0

Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount 741,000 (204,000) 795,000

Deferred tax asset write off section 382, Amount 0 1,132,000 (1,363,000)

Effective Income Tax Reconciliation, Other Adjustments, Amount 743,000 255,000 524,000

Effective Income Tax Rate Reconciliation, Other Reconciling Items, Amount 1,000 285,000 18,000

Income tax expense (benefit) $ (31,000) $ (62,000) $ (57,000) $ (16,000) $ (8,000) $ (16,000) $ (72,000) $ 166,000 $ 102,000 $ 328,000

Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 34.00% 34.00% 34.00%

Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent 5.80% 2.10% 4.90%

Effective Income Tax Rate Reconciliation, Tax Credit, Other, Percent (4.60%) 4.40% (3.30%)

Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Percent (222.40%) 145.50% 0.00%

Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance 105.00% 27.70% 80.30%

Deferred tax asset write off section 382, Percent 0.00% (154.10%) (137.70%)

Effective Income Tax Rate Reconciliation,Other Reconciling Items, Percent 2.20% (38.80%) 1.80%

Effective Income Tax Rate Reconciliation, Other Adjustments 103.60% (34.70%) 53.10%

Effective Income Tax Rate Reconciliation, Percent 23.60% (13.90%) 33.10%

X

- Definition
Deferred tax asset write off section 382
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetWriteOffSection382

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Deferred tax asset write off section 382, Percent
+ References
No definition available.
+ Details

Name: carv_Deferredtaxassetwriteoffsection382Percent

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
INCOME TAXES [Abstract]
+ References
No definition available.
+ Details

Name: carv_IncomeTaxesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h)(2))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Subparagraph 2

-Article 4

+ Details

Name: us-gaap_EffectiveIncomeTaxRateContinuingOperations

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of domestic federal statutory tax rate applicable to pretax income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to changes in the valuation allowance for deferred tax assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to changes in the income tax rates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference, between reported income tax expense (benefit) and the expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations, that is attributable to tax exempt income, equity in earnings (loss) of an unconsolidated subsidiary, minority interest income (expense), tax holiday, disposition of a business, disposition of an asset, repatriation of foreign earnings, repatriation of foreign earnings jobs creation act of 2004, change in enacted tax rate, prior year income taxes, change in deferred tax asset valuation allowance, and other adjustments.
+ References
No definition available.
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations applicable to state and local income tax expense (benefit), net of federal tax expense (benefit).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other tax credits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to increase (decrease) in the valuation allowance for deferred tax assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32123-109318

+ Details

Name: us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations, attributable to increase (decrease) in the income tax rates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32059-109318

+ Details

Name: us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Subparagraph 2

-Article 4

+ Details

Name: us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

+ Details

Name: us-gaap_IncomeTaxReconciliationOtherAdjustments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax exempt income, equity in earnings (loss) of an unconsolidated subsidiary, minority noncontrolling interest income (loss), tax holiday, disposition of a business, disposition of an asset, repatriation of foreign earnings, repatriation of foreign earnings jobs creation act of 2004, increase (decrease) in enacted tax rate, prior year income taxes, increase (decrease) in deferred tax asset valuation allowance, and other adjustments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

+ Details

Name: us-gaap_IncomeTaxReconciliationOtherReconcilingItems

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Subparagraph 1

-Article 4

+ Details

Name: us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other tax credits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

+ Details

Name: us-gaap_IncomeTaxReconciliationTaxCreditsOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 36 R25.htm IDEA: XBRL DOCUMENT v3.2.0.727

Quarterly Financial Data (Notes)
12 Months Ended

Mar. 31, 2015

Quarterly Financial Data [Abstract]

Quarterly Financial Information [Text Block]
QUARTERLY FINANCIAL DATA (UNAUDITED)

The following tables set forth certain unaudited financial data for our quarterly operations in fiscal 2015 and 2014. The following information has been prepared on the same basis as the annual information presented elsewhere in this report and, in the opinion of management, includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the information for the quarterly periods presented. The operating results for any quarter are not necessarily indicative of results for any future period.

$ in thousands, except per share data
June 30, 2014

September 30, 2014

December 31, 2014

March 31, 2015
Fiscal 2015

Interest income
$
5,758

$
5,590

$
5,265

$
5,714

Interest expense
(991
)

(992
)

(1,013
)

(946
)
Net interest income
4,767

4,598

4,252

4,768

Recovery of loan losses
780

713

1,151

365

Non-interest income
1,202

1,562

1,408

1,394

Non-interest expense
(6,547
)

(6,753
)

(6,789
)

(6,622
)
Income tax expense
(16
)

(57
)

(62
)

(31
)
Net loss (income) attributable to noncontrolling interest
(17
)

147

151

—

Net income attributable to Carver Bancorp, Inc.
$
169

$
210

$
111

$
(126
)
Earnings per common share*

Basic
$
0.05

$
0.06

$
0.03

$
(0.03
)
Diluted
$
0.05

$
0.06

$
0.03

$
(0.03
)
* Difference in total earnings per share to Consolidated Statement of Operations is due to rounding

Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter results. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30. The table below provides the individual line items as originally reported in the third quarter and their revised amounts:

$ in thousands, except per share data
June 30, 2013

September 30, 2013

December 31, 2013

December 31, 2013

March 31, 2014

(reported)

(adjusted)

Fiscal 2014

Interest income
$
5,569

$
5,942

$
6,004

6,004

$
5,733

Interest expense
(1,009
)

(977
)

(979
)

(979
)

(986
)
Net interest income
4,560

4,965

5,025

5,025

4,747

(Provision for) recovery of loan losses
(831
)

505

1,052

1,052

(300
)
Non-interest income
2,130

1,577

1,210

1,210

1,889

Non-interest expense
(5,280
)

(6,599
)

(7,535
)

(8,251
)

(7,243
)
Income tax expense
(72
)

(16
)

(6
)

(6
)

(8
)
Noncontrolling interest, net of taxes
(93
)

(90
)

147

147

146

Net income (loss) attributable to Carver Bancorp, Inc.
$
414

$
342

$
(107
)

$
(823
)

$
(769
)
Earnings (loss) per common share

Basic
$
0.11

$
0.09

$
(0.03
)

(0.22
)

$
(0.21
)
Diluted
$
0.11

$
0.09

$
(0.03
)

(0.22
)

$
(0.21
)

X

- References
No definition available.
+ Details

Name: us-gaap_QuarterlyFinancialDataAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e765-108305

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)-(j)

-URI http://asc.fasb.org/extlink&oid=35737889&loc=d3e1280-108306

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e725-108305

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section G

-Subsection 1

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-K (SK)

-Number 229

-Section 302

-Paragraph a

+ Details

Name: us-gaap_QuarterlyFinancialInformationTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 37 R50.htm IDEA: XBRL DOCUMENT v3.2.0.727

Investment Securities Text Figures (Details)
3 Months Ended 12 Months Ended

Mar. 31, 2015

USD ($)

Dec. 31, 2014

USD ($)

Sep. 30, 2014

USD ($)

Jun. 30, 2014

USD ($)

Mar. 31, 2014

USD ($)

Sep. 30, 2013

USD ($)

Jun. 30, 2013

USD ($)

Mar. 31, 2015

USD ($)

Mar. 31, 2014

USD ($)

Mar. 31, 2013

USD ($)

Schedule of Investments [Line Items]

Income tax expense (benefit) $ (31,000) $ (62,000) $ (57,000) $ (16,000) $ (8,000) $ (16,000) $ (72,000) $ 166,000 $ 102,000 $ 328,000

Available-for-sale $ 101,185,000 89,461,000 $ 101,185,000 89,461,000

Percentage Available-for-sale Securities 89.50% 89.50%

Held-to-maturity Securities, Amortized Cost $ 11,922,000 9,029,000 $ 11,922,000 9,029,000

Percentage Held-to-maturity Securities 10.50% 10.50%

Trading Securities $ 0 $ 0

Available-for-sale Securities, Change in Net Unrealized Holding Gain (Loss) before Taxes 1,000,000 4,800,000

Proceeds from Sale and Maturity of Held-to-maturity Securities 0 2,800,000

Gain (Loss) on Sale of Other Investments $ 41,000

Financial Instruments, Owned and Pledged as Collateral, at Fair Value $ 42,200,000 $ 42,200,000

Number of securities with unrealized loss 23 34

Number of MBS with unrealized loss more than 12 months 8

Number of agencies with unrealized loss more than 12 months 10 10

Mortgage-backed securities

Schedule of Investments [Line Items]

Percentage Available-for-Sale, Continuos Unrealized Loss Position 31.20% 31.20%

Available-for-sale $ 27,019,000 27,741,000 $ 27,019,000 $ 27,741,000

Held-to-maturity Securities, Amortized Cost $ 11,755,000 8,822,000 $ 11,755,000 8,822,000

US Government Agency Securities

Schedule of Investments [Line Items]

Percentage Available-for-Sale, Continuos Unrealized Loss Position 68.80% 68.80%

Available-for-sale $ 57,850,000 $ 52,189,000 $ 57,850,000 $ 52,189,000

X

- Definition
Number of MBS with unrealized loss more than 12 months
+ References
No definition available.
+ Details

Name: carv_NumberOfMbsWithUnrealizedLossMoreThan12Months

Namespace Prefix: carv_

Data Type: xbrli:pureItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of securities with unrealized loss
+ References
No definition available.
+ Details

Name: carv_NumberOfSecuritiesWithUnrealizedLoss

Namespace Prefix: carv_

Data Type: xbrli:pureItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of agencies with unrealized loss more than 12 months
+ References
No definition available.
+ Details

Name: carv_Numberofagencieswithunrealizedlossmorethan12months

Namespace Prefix: carv_

Data Type: xbrli:pureItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage Available-for-Sale, Continuos Unrealized Loss Position
+ References
No definition available.
+ Details

Name: carv_PercentageAvailableForSaleContinuosUnrealizedLossPosition

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage Available-for-sale Securities
+ References
No definition available.
+ Details

Name: carv_PercentageAvailableForSaleSecurities

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage Held-to-maturity Securities
+ References
No definition available.
+ Details

Name: carv_PercentageHeldToMaturitySecurities

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the pretax change in net unrealized holding gain (loss) on available-for-sale securities that has been included in accumulated other comprehensive income, a separate component of shareholders' equity, during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The fair value as of the balance sheet date of financial instruments and other positions owned by the entity and pledged to counterparties as collateral, including: (1) mortgages, mortgage-backed and asset backed securities; (2) US government and agency obligations; (3) state and municipal government obligations; (4) other sovereign government debt; (5) corporate obligations; (6) corporate equities; (7) principal investments; (8) derivative contracts; and (9) physical commodities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6467456&loc=d3e113888-111728

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 50

-Paragraph 1A

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=34720971&loc=SL6224234-111729

+ Details

Name: us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAtFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The difference between the book value and the sale price of other nonspecific investments. This element is used when other, more specific, elements are not appropriate. This element refers to the gain (loss) included in earnings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_GainLossOnSaleOfOtherInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount before other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.
+ References
No definition available.
+ Details

Name: us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow from the sale or maturity of long-term held-to-maturity securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfInvestmentsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investments in debt and equity securities and other forms of securities that provide ownership interests classified as trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26626-111562

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.4)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Trading Securities

-URI http://asc.fasb.org/extlink&oid=6526789

+ Details

Name: us-gaap_TradingSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 38 R42.htm IDEA: XBRL DOCUMENT v3.2.0.727

Variable Interest Entities (Tables)
12 Months Ended

Mar. 31, 2015

VARIABLE INTEREST ENTITIES [Abstract]

Schedule of Variable Interest Entities [Table Text Block]
The Bank's involvement with VIEs, consolidated and unconsolidated, in which the company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE is presented below:

Involvement with SPE (000's)
Funded Exposure
Unfunded Exposure
Total

Recognized Gain (Loss) (000's)
Total Rights transferred
Consolidated assets
Significant unconsolidated VIE assets
Total Involvement with SPE asset
Debt Investments
Equity Investments ⁽¹⁾
Funding Commitments
Maximum exposure to loss

Carver Statutory Trust 1
$
—

$
—

$
—

$
13,400

$
13,400

$
13,000

$
400

$
—

$
—

$
13,400

CDE 1-9, CDE 11-12
—

40,000

14,186

—

14,186

—

—

—

7,800

7,800

CDE 10
1,700

19,000

—

8

8

—

—

—

7,410

7,410

CDE 13
500

10,500

—

10,567

10,567

—

1

—

4,095

4,096

CDE 14
400

10,000

—

10,034

10,034

—

1

—

3,900

3,901

CDE 15, CDE 16, CDE 17
900

20,500

—

20,711

20,711

—

2

—

7,995

7,997

CDE 18
600

13,254

—

13,282

13,282

—

1

—

5,169

5,170

CDE 19
500

10,746

—

10,922

10,922

—

1

—

4,191

4,192

CDE 20
625

12,500

—

12,219

12,219

—

1

—

4,875

4,876

CDE 21
625

12,500

—

12,271

12,271

—

1

—

4,875

4,876

Total
$
5,850

$
149,000

$
14,186

$
103,414

$
117,600

$
13,000

$
408

$
—

$
50,310

$
63,718

X

- Definition
VARIABLE INTEREST ENTITIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntitiesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the significant judgments and assumptions made in determining whether a variable interest (as defined) held by the entity requires the variable interest entity (VIE) (as defined) to be consolidated and (or) disclose information about its involvement with the VIE, individually or in aggregate (as applicable); the nature of restrictions, if any, on the consolidated VIE's assets and on the settlement of its liabilities reported by an entity in its statement of financial position, including the carrying amounts of such assets and liabilities; the nature of, and changes in, the risks associated with involvement in the VIE; how involvement with the VIE affects the entity's financial position, financial performance, and cash flows; the lack of recourse if creditors (or beneficial interest holders) of the consolidated VIE have no recourse to the general credit of the primary beneficiary (if applicable); the terms of arrangements, giving consideration to both explicit arrangements and implicit variable interests, if any, that could require the entity to provide financial support to the VIE, including events or circumstances that could expose the entity to a loss; the methodology used by the entity for determining whether or not it is the primary beneficiary of the variable interest entity; the significant factors considered and judgments made in determining that the power to direct the activities of a VIE that most significantly impact the VIE's economic performance are shared (as defined); the carrying amounts and classification of assets and liabilities of the VIE included in the statement of financial position; the entity's maximum exposure to loss, if any, as a result of its involvement with the VIE, including how the maximum exposure is determined and significant sources of the entity's exposure to the VIE; a comparison of the carrying amounts of the assets and liabilities and the entity's maximum exposure to loss; information about any liquidity arrangements, guarantees, and (or) other commitments by third parties that may affect the fair value or risk of the entity's variable interest in the VIE; whether or not the entity has provided financial support or other support (explicitly or implicitly) to the VIE that it was not previously contractually required to provide or whether the entity intends to provide that support, including the type and amount of the support and the primary reasons for providing the support; and supplemental information the entity determines necessary to provide.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5747-111685

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=28200181&loc=SL6228884-111685

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5728-111685

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Variable Interest Entity

-URI http://asc.fasb.org/extlink&oid=6528138

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 5A

-URI http://asc.fasb.org/extlink&oid=28200181&loc=SL6759159-111685

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5710-111685

+ Details

Name: us-gaap_ScheduleOfVariableInterestEntitiesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 39 R75.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Stockholders' Equity Note [Abstract]

Tier One Leverage Capital $ 67,244 $ 66,648

Tier One Risk Based Capital 67,244 66,648

Total Risk Based Capital 74,738 76,429

Tier One Leverage Capital Required for Capital Adequacy $ 24,793 $ 57,771

Tier One Leverage Capital Required for Capital Adequacy to Average Assets 4.00% 9.00%

Common Equity Tier 1 Risk Based Capital required for Capital Adequacy $ 20,045

Common Equity Tier 1 Risk Based Capital minimum capital requirement 4.50%

Tier One Risk Based Capital Required for Capital Adequacy $ 26,727 $ 49,382

Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 6.00% 13.00%

Total Risk Based Capital Required for Capital Adequacy $ 35,636 $ 49,382

Capital Required for Capital Adequacy to Risk Weighted Assets 8.00% 13.00%

Excess Tier One Leverage Capital $ 42,451 $ 8,877

Excess Tier One Leverage Capital to Average Assets 6.85% 1.38%

Excess Common Equity Tier 1 Risk Based Capital $ 47,199

Excess Common Equity Tier 1 Risk Based Capital percentage 10.60%

Excess Tier One Risk Based Capital $ 40,517 $ 17,266

Excess Tier One Risk Based Capital to Risk Weighted Assets 9.10% 4.55%

Excess Capital $ 39,102 $ 27,047

Tier One Leverage Capital to Average Assets 10.85% 10.38%

Common Equity Tier One Risk Based Capital $ 67,244

Common Equity Tier One Risk Based Capital to Risk Weighted Assets 15.10%

Tier One Risk Based Capital to Risk Weighted Assets 15.10% 17.55%

Capital to Risk Weighted Assets 16.78% 20.12%

Excess Capital to Risk Weighted Assets 8.78% 7.12%

X

- Definition
Common Equity Tier 1 Risk Based Capital minimum capital requirement
+ References
No definition available.
+ Details

Name: carv_CommonEquityTier1RiskBasedCapitalminimumcapitalrequirement

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Common Equity Tier 1 Risk Based Capital required for Capital Adequacy
+ References
No definition available.
+ Details

Name: carv_CommonEquityTier1RiskBasedCapitalrequiredforCapitalAdequacy

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Common Equity Tier One Risk Based Capital
+ References
No definition available.
+ Details

Name: carv_CommonEquityTierOneRiskBasedCapital

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Common Equity Tier One Risk Based Capital to Risk Weighted Assets
+ References
No definition available.
+ Details

Name: carv_CommonEquityTierOneRiskBasedCapitaltoRiskWeightedAssets

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Excess Common Equity Tier 1 Risk Based Capital
+ References
No definition available.
+ Details

Name: carv_ExcessCommonEquityTier1RiskBasedCapital

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Excess Common Equity Tier 1 Risk Based Capital percentage
+ References
No definition available.
+ Details

Name: carv_ExcessCommonEquityTier1RiskBasedCapitalpercentage

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Total Risk Based Capital
+ References
No definition available.
+ Details

Name: carv_TotalRiskBasedCapital

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Total Risk Based Capital Required for Capital Adequacy
+ References
No definition available.
+ Details

Name: carv_TotalRiskBasedCapitalRequiredForCapitalAdequacy

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Total Capital divided by risk weighted assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_CapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount by which the company's Total Capital exceeds the minimum required for capital adequacy purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_ExcessCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of excess Total Capital divided by risk weighted assets which are assets that are weighted for credit risk according to a formula used by the Reserve Bank.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_ExcessCapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount by which the company's Tier 1 Leverage Capital exceeds the minimum required for capital adequacy purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_ExcessTierOneLeverageCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of excess Tier 1 Leverage Capital divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_ExcessTierOneLeverageCapitalToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount by which the company's Tier 1 Risk Based Capital exceeds the minimum required for capital adequacy purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_ExcessTierOneRiskBasedCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of excess Tier 1 Risk Based Capital (which consists of the types of financial capital considered the most reliable and liquid, primarily Shareholders' equity. Examples of Tier 1 capital are common stock or unit, preferred stock or unit that is irredeemable and noncumulative, and retained earnings) divided by risk-weighted assets which are assets that are weighted for credit risk according to a formula used by the Reserve Bank.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_ExcessTierOneRiskBasedCapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityNoteAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneLeverageCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Leverage Capital divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Risk Based Capital as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 capital divided by risk weighted assets as defined by regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

XML 40 R97.htm IDEA: XBRL DOCUMENT v3.2.0.727

Variable Interest Entities Text Tag (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2013

Mar. 31, 2015

Sep. 30, 2011

Dec. 31, 2010

Dec. 30, 2010

May. 15, 2009

Mar. 31, 2008

Apr. 28, 2006

Entity Information [Line Items]

Variable Interest Entity, Funded Exposure, Debt Investment $ 13,000

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 0

% of Carver Statutory Trust I owned 100.00%

Cash $ 6,700

New Markets Tax Credit Award $ 25,000 $ 65,000 $ 59,000

Variable Interest Entity, Rights Transferred 149,000 $ 40,000

Carver Statutory Trust 1 [Member]

Entity Information [Line Items]

Variable Interest Entity, Funded Exposure, Debt Investment $ 13,000 13,000

Variable Interest Entity, Funded Exposure, Equity Invesment $ 400 400 ^[1]

Variable Interest Entity, Rights Transferred 0

CDE 10 [Member]

Entity Information [Line Items]

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 0

Variable Interest Entity, Rights Transferred 19,000 $ 19,000

CDE 1-9, CDE 11-12 [Member]

Entity Information [Line Items]

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 0

Variable Interest Entity, Rights Transferred $ 40,000

Stockholders' Equity Attributable to Noncontrolling Interest $ 6,700

[1] (1) Excludes any proceeds realized from exchange of equity interest in CDEs as detailed below.

X

- Definition
New Market Tax Credit Award
+ References
No definition available.
+ Details

Name: carv_NewMarketTaxCreditAward

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
% of Carver Statutory Trust I owned
+ References
No definition available.
+ Details

Name: carv_OfCarverStatutoryTrustIOwned

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Variable Interest Entity, Funded Exposure, Debt Investment
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityFundedExposureDebtInvestment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Funded Exposure, Equity Invesment
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityFundedExposureEquityInvesment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Rights Transferred
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityRightsTransferred

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: dei_EntityInformationLineItems

Namespace Prefix: dei_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_Cash

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount of the equity interests owned by noncontrolling partners of a limited partnership included in the entity's consolidated financial statements.
+ References
No definition available.
+ Details

Name: us-gaap_MinorityInterestInLimitedPartnerships

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_CarverStatutoryTrust1MemberMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde10Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde19Cde1112Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 41 R37.htm IDEA: XBRL DOCUMENT v3.2.0.727

Other Comprehensive Income (Loss) (Tables)
12 Months Ended

Mar. 31, 2015

Statement of Comprehensive Income [Abstract]

Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]
The following tables set forth changes in each component of accumulated other comprehensive (loss) income, net of tax for the years ended March 31, 2015 and 2014:
$ in thousands

At
March 31, 2014

Other Comprehensive Income

At
March 31, 2015
Net unrealized gain (loss) on securities available-for-sale

$
(4,768
)

$
3,723

$
(1,045
)
Accumulated other comprehensive loss

$
(4,768
)

$
3,723

$
(1,045
)

$ in thousands

At
March 31, 2013

Pension Plan Adjustment

Other Comprehensive Income

At
March 31, 2014
Net unrealized gain (loss) on securities available-for-sale

$
1,064

$
—

$
(5,832
)

$
(4,768
)
Net unrealized loss on pension liability

(501
)

(716
)

1,217

—

Accumulated other comprehensive income (loss)

$
563

$
(716
)

$
(4,615
)

$
(4,768
)

Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]
The following table sets forth information about amounts reclassified from accumulated other comprehensive loss to the consolidated statement of operations and the affected line item in the statement where net income is presented.

For the Twelve Months Ended March 31,

Affected Line Item in the Consolidated Statement of Operations
$ in thousands

2015

2014

Reclassification adjustment for sales of available for-sale securities, net of tax

$
8

$
552

Gain on sale of securities, net
Reclassification adjustment for termination of pension plan, net of tax

—

(1,148
)

Employee compensation and benefits
Total reclassifications for the period

$
8

$
(596
)

X

- Definition
Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss).
+ References
No definition available.
+ Details

Name: us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of accumulated other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

+ Details

Name: us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 42 R52.htm IDEA: XBRL DOCUMENT v3.2.0.727

Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses $ 7,233 $ 10,989 $ 7,233 $ 10,989 $ 19,821

Allowance for Loan and Lease Losses, Write-offs 1,286 4,540 5,903

Financing Receivable, Allowance for Credit Losses, Recovery 1,540 1,210 398

Provision for loan losses $ 365 $ 1,151 $ 713 780 $ (300) $ 505 (831) (3,010) (426) (3,327)

Allowance for loan losses 4,477 7,233 4,477 7,233 10,989

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 3,921 5,602 3,921 5,602

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 556 1,631 556 1,631 2,311

Loans and Leases Receivable, Net of Deferred Income 483,193 389,956 483,193 389,956

Financing Receivable, Collectively Evaluated for Impairment 466,681 367,454 466,681 367,454

Financing Receivable, Individually Evaluated for Impairment 16,512 22,502 16,512 22,502 31,022

One- to four family loans [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses 3,377 3,496 3,377 3,496

Allowance for Loan and Lease Losses, Write-offs 687 2,887

Financing Receivable, Allowance for Credit Losses, Recovery 380 534

Provision for loan losses (1,081) 2,234

Allowance for loan losses 1,989 3,377 1,989 3,377 3,496

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,702 2,857 1,702 2,857

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 287 520 287 520

Loans and Leases Receivable, Net of Deferred Income 126,527 112,191 126,527 112,191

Financing Receivable, Collectively Evaluated for Impairment 119,480 105,719 119,480 105,719

Financing Receivable, Individually Evaluated for Impairment 7,047 6,472 7,047 6,472

Multifamily Loans [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses 308 408 308 408

Allowance for Loan and Lease Losses, Write-offs 0 98

Financing Receivable, Allowance for Credit Losses, Recovery 83 31

Provision for loan losses 143 (33)

Allowance for loan losses 534 308 534 308 408

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 353 216 353 216

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 181 92 181 92

Loans and Leases Receivable, Net of Deferred Income 94,706 47,525 94,706 47,525

Financing Receivable, Collectively Evaluated for Impairment 93,218 45,285 93,218 45,285

Financing Receivable, Individually Evaluated for Impairment 1,488 2,240 1,488 2,240

Commercial Real Estate Portfolio Segment [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses 1,835 3,298 1,835 3,298

Allowance for Loan and Lease Losses, Write-offs 0 574

Financing Receivable, Allowance for Credit Losses, Recovery 256 0

Provision for loan losses (1,062) (889)

Allowance for loan losses 1,029 1,835 1,029 1,835 3,298

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 953 1,580 953 1,580

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 76 255 76 255

Loans and Leases Receivable, Net of Deferred Income 185,851 198,101 185,851 198,101

Financing Receivable, Collectively Evaluated for Impairment 183,230 189,317 183,230 189,317

Financing Receivable, Individually Evaluated for Impairment 2,621 8,784 2,621 8,784

Construction Loans [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses 0 0 0 0

Allowance for Loan and Lease Losses, Write-offs 0 0

Financing Receivable, Allowance for Credit Losses, Recovery 0 149

Provision for loan losses 99 (149)

Allowance for loan losses 99 0 99 0 0

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 99 0 99 0

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0

Loans and Leases Receivable, Net of Deferred Income 5,076 5,070 5,076 5,070

Financing Receivable, Collectively Evaluated for Impairment 5,076 5,070 5,076 5,070

Financing Receivable, Individually Evaluated for Impairment 0 0 0 0

Commercial Loan [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses 1,705 3,759 1,705 3,759

Allowance for Loan and Lease Losses, Write-offs 320 966

Financing Receivable, Allowance for Credit Losses, Recovery 816 486

Provision for loan losses (1,388) (1,574)

Allowance for loan losses 813 1,705 813 1,705 3,759

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 801 941 801 941

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 12 764 12 764

Loans and Leases Receivable, Net of Deferred Income 70,599 26,931 70,599 26,931

Financing Receivable, Collectively Evaluated for Impairment 65,243 21,926 65,243 21,926

Financing Receivable, Individually Evaluated for Impairment 5,356 5,005 5,356 5,005

Consumer Loan [Member]

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for loan losses $ 8 $ 28 8 28

Allowance for Loan and Lease Losses, Write-offs 279 15

Financing Receivable, Allowance for Credit Losses, Recovery 5 10

Provision for loan losses 279 (15)

Allowance for loan losses 13 8 13 8 $ 28

Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 13 8 13 8

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 0 0 0 0

Loans and Leases Receivable, Net of Deferred Income 434 138 434 138

Financing Receivable, Collectively Evaluated for Impairment 434 137 434 137

Financing Receivable, Individually Evaluated for Impairment $ 0 $ 1 $ 0 $ 1

X

- Definition
Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

+ Details

Name: us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of recovery of financing receivables doubtful of collection that were previously charged off.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(4)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The balance of financing receivables that were collectively evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The balance of financing receivables that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_MultifamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 43 R67.htm IDEA: XBRL DOCUMENT v3.2.0.727

Borrowed Money FHLB-NY Advances (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Advances from Federal Home Loan Banks [Abstract]

Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due within One Year of Balance Sheet Date 0.34% 0.40%

Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate, One to Five Years ^[1] 1.50% 1.50%

Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months $ 40,000 $ 27,000

Federal Home Loan Bank, Advances, Maturities Summary, Due in Year Five ^[1] $ 25,000

Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate 0.79% 0.93% 1.63%

Federal Home Loan Bank, Advances $ 65,000 $ 52,000

[1] (1) Effective rate is 2.13% which includes the net impact of the amortization of the termination fee on restructured borrowing.

X

- Definition
Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

+ Details

Name: us-gaap_AdvancesFromFederalHomeLoanBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AdvancesFromFederalHomeLoanBanksAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Describes the weighted average interest rate applicable to the specific advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6479336&loc=d3e64711-112823

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19(b))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from four to five years of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due within one year of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section VII.3

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 44 R61.htm IDEA: XBRL DOCUMENT v3.2.0.727

Office Properties and Equipment, Net Office Properties and Equipment, Net Text (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Property, Plant and Equipment [Abstract]

Depreciation $ 1,052 $ 1,079 $ 1,172

X

- Definition
The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_Depreciation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 45 R47.htm IDEA: XBRL DOCUMENT v3.2.0.727

Investment Securities Sales and Calls of Available-For-Sale portfolio (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

AFS portfolio Sales and Calls [Abstract]

Proceeds from Sale of Available-for-sale Securities $ 994 $ 38,991 $ 31,567

Available-for-sale Securities, Gross Realized Gains 8 513 174

Available-for-sale Securities, Gross Realized Losses 0 2 0

Proceeds from Sale of Held-to-maturity Securities 0 2,814 0

Held-to-Maturity Securities, Gross Realized Gains 0 43 0

Held-to-Maturity Securities, Gross Realized Losses $ 0 $ 2 $ 0

X

- Definition
AFS portfolio Sales and Calls [Abstract]
+ References
No definition available.
+ Details

Name: carv_AfsPortfolioSalesAndCallsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Held-to-Maturity Securities, Gross Realized Gains
+ References
No definition available.
+ Details

Name: carv_HeldtoMaturitySecuritiesGrossRealizedGains

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Held-to-Maturity Securities, Gross Realized Losses
+ References
No definition available.
+ Details

Name: carv_HeldtoMaturitySecuritiesGrossRealizedLosses

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
This item represents the gross profit realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossRealizedGains

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This item represents the gross loss realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with the sale of securities that had been designated as held-to-maturity. Excludes proceeds from maturities, prepayments and calls by the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 46 R9.htm IDEA: XBRL DOCUMENT v3.2.0.727

Summary of Significant Accounting Policies
12 Months Ended

Mar. 31, 2015

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]

Significant Accounting Policies [Text Block]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of consolidated financial statement presentation

The consolidated financial statements include the accounts of the Company, the Bank and the Bank's wholly owned or majority-owned subsidiaries, Carver Asset Corporation, CFSB Realty Corp., CCDC, and CFSB Credit Corp. All significant intercompany accounts and transactions have been eliminated in consolidation.

The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (GAAP). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated statement of financial condition and revenues and expenses for the period then ended. Amounts subject to significant estimates and assumptions are items such as the allowance for loan losses, valuation of real estate owned, realization of deferred tax assets, and the fair value of financial instruments. While management uses available information to recognize losses on loans, future additions to the allowance for loan losses or future writedowns of real estate owned may be necessary based on changes in economic conditions in the areas where Carver Federal has extended mortgages and other credit instruments. Actual results could differ significantly from those assumptions. Current market conditions increase the risk and complexity of the judgments in these estimates.

In addition, the OCC, Carver Federal's regulator, as an integral part of its examination process, periodically reviews Carver Federal's allowance for loan losses and, if applicable, real estate owned valuations. The OCC may require Carver Federal to recognize additions to the allowance for loan losses or additional writedowns of real estate owned based on their judgments about information available to them at the time of their examination.

In addition, no assurances can be given that the Company will continue to comply with all provisions of the Order. Failure to comply with these provisions could result in further regulatory actions to be taken by the regulators.

Cash and cash equivalents

For the purpose of reporting cash flows, cash and cash equivalents include cash, amounts due from depository institutions, federal funds sold and other short-term instruments with original maturities of three months or less.  Federal funds sold are generally sold for one-day periods.  The amounts due from depository institutions include a non-interest bearing account held at the Federal Reserve Bank where any additional cash reserve required on demand deposits would be maintained.  Currently, this reserve requirement is zero since the Bank's vault cash satisfies cash reserve requirements for deposits.

Investment Securities

When purchased, investment securities are designated as either investment securities held-to-maturity, available-for-sale or trading.

Securities are classified as held-to-maturity and carried at amortized cost only if the Bank has a positive intent and ability to hold such securities to maturity.  Securities held-to-maturity are carried at cost, adjusted for the amortization of premiums and the accretion of discounts using the level-yield method over the remaining period until maturity.

If not classified as held-to-maturity or trading, securities are classified as available-for-sale based upon management's ability to sell in response to actual or anticipated changes in interest rates, resulting prepayment risk or any other factors. Available-for-sale securities are reported at fair value. Estimated fair values of securities are based on either published or security dealers' market value if available. If quoted or dealer prices are not available, fair value is estimated using quoted or dealer prices for similar securities.

Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and are reported at fair value with unrealized gains and losses included in earnings.

The Company conducts periodic reviews to identify and evaluate each investment that has an unrealized holding loss. Unrealized holding gains or losses for securities available-for-sale are excluded from earnings and reported net of deferred income taxes in accumulated other comprehensive loss, a component of Stockholders' Equity. Following Financial Accounting Standards Board ("FASB") guidance, the amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Bank will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss).

During fiscal years 2015 and 2014, no other-than-temporary impairment charges were recorded. Gains or losses on sales of securities of all classifications are recognized based on the specific identification method.

Loans Held-for-Sale

Loans are only moved to held-for-sale classification upon the determination by Carver to sell a loan. Held-for-sale loans are carried at the lower of cost or market value. The initial charge-off, if any is required, will be taken upon the move to held-for-sale and absorbed through Carver's loan loss reserve. The need for further charge-offs is periodically evaluated if the loan remains classified as held-for-sale for an extended period of time using the valuation methodologies identified below. Any subsequently required charge-off is processed as a mark-to-market adjustment. The valuation methodology for loans held-for-sale varies based upon the circumstances. Held-for-sale values may be based upon accepted offer amounts, appraised value of underlying mortgaged premises, prior loan loss experience of Carver in connection with recent loan sales for the loan type in question, and/or other acceptable valuation methods.

Loans Receivable

Loans receivable are carried at unpaid principal balances plus unamortized premiums, purchase accounting mark-to-market adjustments, certain deferred direct loan origination costs and deferred loan origination fees and discounts, less the allowance for loan losses and charge-offs.

The Bank defers loan origination fees and certain direct loan origination costs and amortizes or accretes such amounts as an adjustment of yield over the contractual lives of the related loans using methodologies which approximate the interest method.  Premiums and discounts on loans purchased are amortized or accreted as an adjustment of yield over the contractual lives of the related loans, adjusted for prepayments when applicable, using methodologies which approximate the interest method.

Loans are placed on nonaccrual status when they are past due 90 days or more as to contractual obligations or when other circumstances indicate that collection is not probable.  When a loan is placed on nonaccrual status, any interest accrued but not received is reversed against interest income.  Payments received on a nonaccrual loan are either applied to protective advances, the outstanding principal balance or recorded as interest income, depending on an assessment of the ability to collect the loan.  A nonaccrual loan is restored to accrual status when principal and interest payments become less than 90 days past due and its future collectability is reasonably assured.

If the Bank determines that there is an impairment dollar amount, the Bank next determines whether the amount of impairment is permanent. The amount of impairment determined to be permanent is charged off within the given fiscal quarter. All other amounts are recorded as a specific valuation allowance (“SVA”) reserve. Generally the amount of the loan and negative escrow in excess of the appraised value, for the fair value of collateral valuation method, is determined to be permanent and charged off. The amount attributable to the expected cost to sell, is recorded as a specific valuation allowance. In the event the Bank is using the collateral dependent determination for the dollar amount of impairment and the Bank does not have an accepted appraisal (for example, the Bank may utilize a broker’s price opinion), the Bank generally will treat all dollar amounts identified as impaired to be other than a permanent impairment and the full impaired amount will be recorded as a specific valuation allowance. For impairment amounts calculated utilizing the present value of expected future cash flows, the dollar amount of impairment is recorded as a specific valuation allowance.

Allowance for Loan and Lease Losses ("ALLL")

The adequacy of the Bank's ALLL is determined, in accordance with the Interagency Policy Statement on the Allowance for Loan and Lease Losses (the “Interagency Policy Statement”) released by the OCC on December 13, 2006 and in accordance with ASC Subtopics 450-20 "Loss Contingencies" and 310-10 "Accounting by Creditors for Impairment of a Loan." Compliance with the Interagency Policy Statement includes management's review of the Bank's loan portfolio, including the identification and review of individual problem situations that may affect a borrower's ability to repay. In addition, management reviews the overall portfolio quality through an analysis of delinquency and non-performing loan data, estimates of the value of underlying collateral, current charge-offs and other factors that may affect the portfolio, including a review of regulatory examinations, an assessment of current and expected economic conditions and changes in the size and composition of the loan portfolio.

The ALLL reflects management's evaluation of the loans presenting identified loss potential, as well as the risk inherent in various components of the portfolio. There is significant judgment applied in estimating the ALLL. These assumptions and estimates are susceptible to significant changes from period to period. Further, any change in the size of the loan portfolio or any of its components could necessitate an increase in the ALLL even though there may not be a decline in credit quality or an increase in potential problem loans. As such, there can never be assurance that the ALLL accurately reflects the actual loss potential inherent in a loan portfolio.

General Reserve Allowance

Carver's maintenance of a general reserve allowance in accordance with ASC Subtopic 450-20 includes the Bank's evaluating the risk to loss potential of homogeneous pools of loans based upon historical loss factors and a review of nine different environmental factors that are then applied to each pool. The pools of loans (“Loan Type”) are:

•
1-4 Family
•
Multifamily
•
Commercial Real Estate
•
Construction
•
Business Loans
•
SBA Loans
•
Other (Consumer and Overdraft Accounts)

The pools are further segregated into the following risk rating classes:

•
Pass
•
Special Mention
•
Substandard
•
Doubtful

The Bank next applies to each pool a risk factor that determines the level of general reserves for the specific pool. The Bank estimates its historical charge-offs via a lookback analysis. The actual historical loss experience by major loan category is expressed as a percentage of the outstanding balance of all loans within the category. As the loss experience for a particular loan category increases or decreases, the level of reserves required for that particular loan category also increases or decreases. The Bank’s historical charge-off rate reflects the period over which the charge-offs were confirmed and recognized, not the period over which the earlier losses occurred. That is, the charge-off rate measures the confirmation of losses over a period that occurs after the earlier actual losses. During the period between the loss-causing events and the eventual confirmations of losses, conditions may have changed. There is always a time lag between the period over which average charge-off rates are calculated and the date of the financial statements. During that period, conditions may have changed. Another factor influencing the General Reserve is the Bank’s Loss Emergence Period (LEP) assumptions which represent the Bank’s estimate of the average amount of time from the point at which a loss is incurred to the point at which the loss is confirmed, either through the identification of the loss or a charge-off. The Bank generally considers coverage of one year’s losses an appropriate benchmark for most pools of loans because the probable loss on any given pool should ordinarily become apparent in that time frame. In some instances, the Bank may be able, however, to demonstrate a reliance on an LEP less than 12 months coverage based upon adequate management information systems and effective methodologies for estimating losses. However, in some instances, such as in its Commercial Real Estate, Multifamily and Business segments the Bank demonstrates a reliance on a LEP in excess of 12 months. The Bank also recognizes losses in accordance with regulatory charge-off criteria.

Because actual loss experience may not adequately predict the level of losses inherent in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be adjusted based upon any of those factors. As the risk ratings worsen, some of the qualitative factors tend to increase. The nine qualitative factors the Bank considers and may utilize are:

1.
Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (Policy & Procedures).
2.
Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments (Economy).
3.
Changes in the nature or volume of the loan portfolio and in the terms of loans (Nature & Volume).
4.
Changes in the experience, ability, and depth of lending management and other relevant staff (Management).
5.
Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (Problem Assets).
6.
Changes in the quality of the loan review system (Loan Review).
7.
Changes in the value of underlying collateral for collateral dependent loans (Collateral Values).
8.
The existence and effect of any concentrations of credit and changes in the level of such concentrations (Concentrations).
9.
The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (External Forces).

Specific Reserve Allowance

Carver also maintains a specific reserve allowance for criticized and classified loans individually reviewed for impairment in accordance with ASC Subtopic 310-10 guidelines. The amount assigned to the specific reserve allowance is individually determined based upon the loan. The ASC Subtopic 310-10 guidelines require the use of one of three approved methods to estimate the amount to be reserved and/or charged off for such credits. The three methods are as follows:

1.The present value of expected future cash flows discounted at the loan's effective interest rate,
2.The loan's observable market price; or
3.The fair value of the collateral if the loan is collateral dependent.

The institution may choose the appropriate ASC Subtopic 310-10 measurement on a loan-by-loan basis for an individually impaired loan, except for an impaired collateral dependent loan. Guidance requires impairment of a collateral dependent loan to be measured using the fair value of collateral method. A loan is considered "collateral dependent" when the repayment of the debt will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment.

Criticized and classified loans with at risk balances of $500,000 or more and loans below $500,000 that the Chief Credit Officer deems appropriate for review, are identified and reviewed for individual evaluation for impairment in accordance with ASC Subtopic 310-10. Carver also performs impairment analysis for all troubled debt restructurings (“TDRs”). If it is determined that it is probable the Bank will be unable to collect all amounts due according with the contractual terms of the loan agreement, the loan is categorized as impaired.

If the loan is determined to be not impaired, it is then placed in the appropriate pool of criticized and classified loans to be evaluated collectively for impairment. Loans determined to be impaired are evaluated to determine the amount of impairment based on one of the three measurement methods noted above. The Bank then determines whether the impairment amount is permanent, in which case the loan is written down by the amount of the impairment, or if it is other than permanent, in which case the Bank establishes a specific valuation reserve that is included in the total ALLL. In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.

Troubled Debt Restructured Loans

TDRs are those loans whose terms have been modified because of deterioration in the financial condition of the borrower and a concession is made. Modifications could include extension of the terms of the loan, reduced interest rates, capitalization of interest and forgiveness of accrued interest and/or principal. Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full. For cash flow dependent loans, the Bank records a specific valuation allowance reserve equal to the difference between the present value of estimated future cash flows under the restructured terms discounted at the loan's original effective interest rate, and the loan's original carrying value. For a collateral dependent loan, the Bank records an impairment charge when the current estimated fair value of the property that collateralizes the impaired loan, if any, is less than the recorded investment in the loan. TDR loans remain on nonaccrual status until they have performed in accordance with the restructured terms for a period of at least six months.

Representation and Warranty Reserve

During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”). The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSEs). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.

Management has established a representation and warranty reserve for losses associated with the repurchase of mortgage loans sold by the Bank to FNMA that we consider to be both probable and reasonably estimable. These reserves are reported in our consolidated statement of financial condition as a component of other liabilities. The calculation of the reserve is based on estimates, which are uncertain, and require the application of judgment. In establishing the reserves, we consider a variety of factors, including those loans that are under review by FNMA that have not yet received a repurchase request. The Bank tracks the FNMA claims monthly and evaluates the reserve on a quarterly basis.

Segment Reporting

The Company has determined that all of its activities constitute one reportable operating segment.

Concentration of Risk

The Bank's principal lending activities are concentrated in loans secured by real estate, a substantial portion of which is located in New York City.  Accordingly, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in New York's real estate market conditions.

Office Properties and Equipment

Office properties and equipment are comprised of land, at cost, and buildings, building improvements, furnishings and equipment and leasehold improvements, at cost less accumulated depreciation and amortization.  Depreciation and amortization charges are computed using the straight-line method over the following estimated useful lives:

Buildings and improvements
10 to 25 years
Furnishings and equipment
3 to 5 years
Leasehold improvements
Lesser of useful life or remaining term of lease

Maintenance, repairs and minor improvements are charged to non-interest expense in the period incurred.

Federal Home Loan Bank Stock

The FHLB-NY has assigned to the Bank a mandated membership stock purchase, based on the Bank's asset size. In addition, for all borrowing activity, the Bank is required to purchase shares of FHLB-NY non-marketable capital stock at par. Such shares are redeemed by FHLB-NY at par with reductions in the Bank's borrowing levels. On a quarterly basis, these shares are evaluated for other-than-temporary impairment. We do not consider these shares to be other-than-temporarily impaired at March 31, 2015. The Bank carries this investment at historical cost.

Mortgage Servicing Rights

All separately recognized servicing assets are included in Other Assets and measured at fair value.

Real Estate Owned

Real estate acquired by foreclosure or deed in lieu of foreclosure is recorded at the lower of loan carrying amount or the fair value at the date of acquisition less estimated selling costs. At the time of origination of the real estate owned, the real property value is adjusted to its current fair value. Any subsequent adjustments will be to the lower of cost or market. The fair value of such assets is determined based primarily upon independent appraisals and other relevant factors.  The amounts ultimately recoverable from real estate owned could differ from the net carrying value of these properties because of economic conditions.  Costs incurred to improve properties or prepare them for sale are capitalized.  Revenues and expenses related to the holding and operating of properties are recognized in operations as earned or incurred.  Gains or losses on sale of properties are recognized as incurred.

Income Taxes

The Company records income taxes in accordance with ASC 740 “Income Taxes,” as amended, using the asset and liability method. Income tax expense (benefit) consists of income taxes currently payable (receivable) and deferred income taxes.  Temporary differences between the basis of assets and liabilities for financial reporting and tax purposes are measured as of the balance sheet date.  Deferred tax liabilities or recognizable deferred tax assets are calculated on such differences, using current statutory rates, which result in future taxable or deductible amounts.  The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Where applicable, deferred tax assets are reduced by a valuation allowance for any portion determined not likely to be realized. Generally, this valuation allowance would subsequently be adjusted by a charge or credit to income tax expense as changes in facts and circumstances warrant. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Any interest expense or penalties would be recorded as interest expense.

Earnings (Loss) per Common Share

Basic earnings (loss) per share (“EPS”) is computed by dividing income (loss) available to common stockholders by the weighted average number of common shares outstanding.  Diluted earnings per common share includes any additional common shares as if all potentially dilutive common shares were issued (for instance, stock options with an exercise price that is less than the average market price of the common shares for the periods stated).

Preferred and Common Dividends

The Company is prohibited from paying any dividends without prior regulatory approval pursuant to the terms of the Cease and Desist Orders to which it is subject, and is generally subject to regulations governing the payment of dividends. See Item 1 - Business - Regulation and Supervision - Cease and Desist Orders and - Capital and Liquidity. As previously disclosed in a Form 8-K filed with the SEC on October 29, 2010, the Company's Board of Directors announced that based on highly uncertain economic conditions and the desire to preserve capital, the Company had suspended payment of the quarterly cash dividend on its common stock. There are no assurances that the payments of common stock dividends will resume.

Treasury Stock

Treasury stock is recorded at cost and is presented as a reduction of stockholders' equity.

Pension Plans

The Company's pension obligations, and the related costs, are calculated using actuarial concepts within the framework of the FASB guidance. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected return on plan assets. The Company evaluates these critical assumptions on an annual basis. Other factors considered by the Company include retirement patterns, mortality, and turnover.

Actuarial gain and losses, prior services cost or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in accumulated other comprehensive income (loss), net of tax effects, until they are amortized as a component of net of periodic benefit cost.  In addition, the measurement date (i.e., the date at which plan assets and the benefit obligation are measured for financial reporting purposes) is required to be the company's fiscal year-end.

NMTC fee income

The fee income the Company receives related to the transfers of its New Market Tax Credits varies with each transaction but all are similar in nature. There are two basic types of fees associated with these transactions. The first is a “sub-allocation fee” that is paid to CCDC when the tax credits are allocated to a subsidiary entity at the time a qualified equity investment is made. This fee is recognized by the Company at the time of allocation. The second type of fee is paid to cover the administrative and servicing costs associated with CCDC's compliance with NMTC reporting requirements. This fee is recognized as the services are rendered.

Reclassifications

Certain amounts in the consolidated financial statements presented for prior years have been reclassified to conform to the current year presentation.

Impact of Recent Accounting Standards Not Yet Adopted

In January 2014, the FASB issued ASU No. 2014-04, "Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The amendments clarify when an in-substance repossession or foreclosure occurs, and require disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for annual periods, and interim periods within annual periods beginning after December 15, 2015. The adoption of ASU 2014-04 is not expected to have a material impact on the Company's consolidated statement of financial condition or results of operations. At March 31, 2015, Carver had 11 loans secured by one-to-four family residential real estate in the process of foreclosure for a total outstanding balance of $1.9 million.

X

- Definition
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_SummaryOfSignificantAccountingPoliciesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for all significant accounting policies of the reporting entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18861-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18726-107790

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18743-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18854-107790

+ Details

Name: us-gaap_SignificantAccountingPoliciesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 47 R62.htm IDEA: XBRL DOCUMENT v3.2.0.727

Accrued Interest Receivable Accrued Interest Receivable (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Accrued Interest Receivable [Abstract]

Loan receivable $ 2,337 $ 2,139

Mortgage-backed securities 99 99

Investments and other interest-bearing assets 345 319

Interest Receivable $ 2,781 $ 2,557

X

- Definition
Accrued Interest Receivable [Abstract]
+ References
No definition available.
+ Details

Name: carv_AccruedInterestReceivableAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
For an unclassified balance sheet, the amount of fees and other revenue, excluding investment income receivable, earned but not yet received, which were recognized in conformity with revenue recognition criteria based on estimates or specific contractual terms.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3

-Article 5

+ Details

Name: us-gaap_AccruedFeesAndOtherRevenueReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Interest, dividends, rents, ancillary and other revenues earned but not yet received by the entity on its investments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3

-Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 4

-Article 7

+ Details

Name: us-gaap_AccruedInvestmentIncomeReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.8)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 8

-Article 5

+ Details

Name: us-gaap_InterestReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount of interest earned but not received (also called accrued interest or accrued interest receivable) and carrying amounts of assets not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_InterestReceivableAndOtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 48 R43.htm IDEA: XBRL DOCUMENT v3.2.0.727

Quarterly Financial Data Quarerly Finanacial Data (Tables)
12 Months Ended

Mar. 31, 2015

Quarterly Financial Data [Abstract]

Unaudited Quarterly Financial Information [Table Text Block]
The following tables set forth certain unaudited financial data for our quarterly operations in fiscal 2015 and 2014. The following information has been prepared on the same basis as the annual information presented elsewhere in this report and, in the opinion of management, includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair presentation of the information for the quarterly periods presented. The operating results for any quarter are not necessarily indicative of results for any future period.

$ in thousands, except per share data
June 30, 2014

September 30, 2014

December 31, 2014

March 31, 2015
Fiscal 2015

Interest income
$
5,758

$
5,590

$
5,265

$
5,714

Interest expense
(991
)

(992
)

(1,013
)

(946
)
Net interest income
4,767

4,598

4,252

4,768

Recovery of loan losses
780

713

1,151

365

Non-interest income
1,202

1,562

1,408

1,394

Non-interest expense
(6,547
)

(6,753
)

(6,789
)

(6,622
)
Income tax expense
(16
)

(57
)

(62
)

(31
)
Net loss (income) attributable to noncontrolling interest
(17
)

147

151

—

Net income attributable to Carver Bancorp, Inc.
$
169

$
210

$
111

$
(126
)
Earnings per common share*

Basic
$
0.05

$
0.06

$
0.03

$
(0.03
)
Diluted
$
0.05

$
0.06

$
0.03

$
(0.03
)
* Difference in total earnings per share to Consolidated Statement of Operations is due to rounding

Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter results. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30. The table below provides the individual line items as originally reported in the third quarter and their revised amounts:

$ in thousands, except per share data
June 30, 2013

September 30, 2013

December 31, 2013

December 31, 2013

March 31, 2014

(reported)

(adjusted)

Fiscal 2014

Interest income
$
5,569

$
5,942

$
6,004

6,004

$
5,733

Interest expense
(1,009
)

(977
)

(979
)

(979
)

(986
)
Net interest income
4,560

4,965

5,025

5,025

4,747

(Provision for) recovery of loan losses
(831
)

505

1,052

1,052

(300
)
Non-interest income
2,130

1,577

1,210

1,210

1,889

Non-interest expense
(5,280
)

(6,599
)

(7,535
)

(8,251
)

(7,243
)
Income tax expense
(72
)

(16
)

(6
)

(6
)

(8
)
Noncontrolling interest, net of taxes
(93
)

(90
)

147

147

146

Net income (loss) attributable to Carver Bancorp, Inc.
$
414

$
342

$
(107
)

$
(823
)

$
(769
)
Earnings (loss) per common share

Basic
$
0.11

$
0.09

$
(0.03
)

(0.22
)

$
(0.21
)
Diluted
$
0.11

$
0.09

$
(0.03
)

(0.22
)

$
(0.21
)

X

- References
No definition available.
+ Details

Name: us-gaap_QuarterlyFinancialDataAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the quarterly financial data in the annual financial statements. The disclosure includes financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income (loss) before extraordinary items and cumulative effect of a change in accounting principle and earnings per share data.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)-(j)

-URI http://asc.fasb.org/extlink&oid=35737889&loc=d3e1280-108306

+ Details

Name: us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 49 R29.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable, Net (Tables)
12 Months Ended

Mar. 31, 2015

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
The following is a summary of loans receivable, net of allowance for loan losses, and loans held-for-sale at March 31:

March 31, 2015

March 31, 2014
$ in thousands
Amount

%

Amount

%
Gross loans receivable:

One-to-four family
$
125,020

26
%

$
111,220

29
%
Multifamily
93,780

19
%

47,399

12
%
Commercial real estate
186,443

39
%

198,808

51
%
Construction
5,107

1
%

5,100

1
%
Business
70,679

15
%

27,149

7
%
Consumer ⁽¹⁾
434

—
%

138

—
%
Total loans receivable
481,463

100
%

389,814

100
%

Add:

Premium on loans
2,233

957

Less:

Deferred fees and loan discounts, net
(503
)

(815
)

Allowance for loan losses
(4,477
)

(7,233
)

Total loans receivable, net
$
478,716

$
382,723

Loans held-for-sale
$
2,576

$
5,011

⁽¹⁾
Includes personal loans

Allowance for Credit Losses on Financing Receivables [Table Text Block]
The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2015:
$ in thousands

One-to-four family

Multifamily

Commercial Real Estate

Construction

Business

Consumer

Total
Allowance for loan losses:

Beginning Balance

$
3,377

$
308

$
1,835

$
—

$
1,705

$
8

$
7,233

Charge-offs

687

—

—

—

320

279

1,286

Recoveries

380

83

256

—

816

5

1,540

Provision for (Recovery of) Loan Losses

(1,081
)

143

(1,062
)

99

(1,388
)

279

(3,010
)
Ending Balance

$
1,989

$
534

$
1,029

$
99

$
813

$
13

$
4,477

Allowance for Loan Losses Ending Balance: collectively evaluated for impairment

1,702

353

953

99

801

13

3,921

Allowance for Loan Losses Ending Balance: individually evaluated for impairment

287

181

76

—

12

—

556

Loan Receivables Ending Balance

$
126,527

$
94,706

$
185,851

$
5,076

$
70,599

$
434

$
483,193

Ending Balance: collectively evaluated for impairment

119,480

93,218

183,230

5,076

65,243

434

466,681

Ending Balance: individually evaluated for impairment

7,047

1,488

2,621

—

5,356

—

16,512

The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2014:
$ in thousands

One-to-four family

Multifamily

Commercial Real Estate

Construction

Business

Consumer

Total
Allowance for loan losses:

Beginning Balance

$
3,496

$
408

$
3,298

$
—

$
3,759

$
28

$
10,989

Charge-offs

2,887

98

574

—

966

15

4,540

Recoveries

534

31

—

149

486

10

1,210

Provision for (Recovery of) Loan Losses

2,234

(33
)

(889
)

(149
)

(1,574
)

(15
)

(426
)
Ending Balance

$
3,377

$
308

$
1,835

$
—

$
1,705

$
8

$
7,233

Allowance for Loan Losses Ending Balance: collectively evaluated for impairment

2,857

216

1,580

—

941

8

5,602

Allowance for Loan Losses Ending Balance: individually evaluated for impairment

520

92

255

—

764

—

1,631

Loan Receivables Ending Balance

$
112,191

$
47,525

$
198,101

$
5,070

$
26,931

$
138

$
389,956

Ending Balance: collectively evaluated for impairment

105,719

45,285

189,317

5,070

21,926

137

367,454

Ending Balance: individually evaluated for impairment

6,472

2,240

8,784

—

5,005

1

22,502

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
The following is an analysis of the allowance for loan losses for the years ended March 31:
$ in thousands
2015

2014

2013
Balance at beginning of the year
$
7,233

$
10,989

$
19,821

Charge-offs of loans
(1,286
)

(4,540
)

(5,903
)
Recoveries of amounts previously charged off
1,540

1,210

398

Recovery of loan losses
(3,010
)

(426
)

(3,327
)
Balance at end of the year
$
4,477

$
7,233

$
10,989

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]
The following is a summary of nonaccrual loans at March 31, 2015 and 2014.
$ in thousands
March 31, 2015

March 31, 2014
Loans accounted for on a nonaccrual basis:

Gross loans receivable:

One-to-four family
$
3,664

$
2,301

Multifamily
1,053

2,240

Commercial real estate
2,817

7,024

Business
861

993

Consumer
—

1

Total nonaccrual loans
$
8,395

$
12,559

Schedules of Concentration of Risk, by Risk Factor [Table Text Block]
As of March 31, 2015, and based on the most recent analysis performed in the current quarter, the risk category by class of loans is as follows:
$ in thousands
Multifamily

Commercial Real Estate

Construction

Business
Credit Risk Profile by Internally Assigned Grade:

Pass
$
93,218

$
181,340

$
5,076

$
62,419

Special Mention
—

1,890

—

1,065

Substandard
1,488

2,621

—

7,115

Doubtful
—

—

—

—

Loss
—

—

—

—

Total
$
94,706

$
185,851

$
5,076

$
70,599

One-to-four family

Consumer

Credit Risk Profile Based on Payment Activity:

Performing
$
122,689

$
434

Non-Performing
3,838

—

Total
$
126,527

$
434

As of March 31, 2014, and based on the most recent analysis performed, the risk category by class of loans is as follows:
$ in thousands
Multifamily

Commercial Real Estate

Construction

Business
Credit Risk Profile by Internally Assigned Grade:

Pass
$
46,028

$
184,850

$
5,070

$
20,638

Special Mention
—

7,129

—

1,295

Substandard
1,497

6,122

—

4,998

Doubtful
—

—

—

—

Loss
—

—

—

—

Total
$
47,525

$
198,101

$
5,070

$
26,931

One-to-four family

Consumer

Credit Risk Profile Based on Payment Activity:

Performing
$
109,890

$
137

Non-Performing
2,301

1

Total
$
112,191

$
138

Past Due Financing Receivables [Table Text Block]
The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2015.
$ in thousands
30-59 Days Past Due

60-89 Days Past Due

90 or More Days Past Due

Total Past Due

Current

Total Financing Receivables
One-to-four family
$
464

$
—

$
3,574

$
4,038

$
122,489

$
126,527

Multifamily
—

434

1,054

1,488

93,218

94,706

Commercial real estate
1,150

936

1,102

3,188

182,663

185,851

Construction
—

—

—

—

5,076

5,076

Business
—

—

123

123

70,476

70,599

Consumer
—

1

—

1

433

434

Total
$
1,614

$
1,371

$
5,853

$
8,838

$
474,355

$
483,193

The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2014.
$ in thousands
30-59 Days Past Due

60-89 Days Past Due

90 or More Days Past Due

Total Past Due

Current

Total Financing Receivables
One-to-four family
$
244

$
888

$
1,863

$
2,995

$
109,196

$
112,191

Multifamily
444

—

2,240

2,684

44,841

47,525

Commercial real estate
3,133

292

3,891

7,316

190,785

198,101

Construction
—

—

—

—

5,070

5,070

Business
—

131

993

1,124

25,807

26,931

Consumer
2

2

1

5

133

138

Total
$
3,823

$
1,313

$
8,988

$
14,124

$
375,832

$
389,956

Impaired Financing Receivables [Table Text Block]
The following tables present information on impaired loans with the associated allowance amount, if applicable, at March 31, 2015 and 2014. Management determined the specific allowance based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the remaining source of repayment for the loan is the operation or liquidation of the collateral. In those cases, the current fair value of the collateral, less selling costs was used to determine the specific allowance recorded. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.
Impaired Loans by Class

At March 31,

2015

2014
$ in thousands
Recorded Investment

Unpaid Principal Balance

Associated Allowance

Recorded Investment

Unpaid Principal Balance

Associated Allowance
With no specific allowance recorded:

One-to-four family
$
2,752

$
3,007

$
—

$
639

$
893

$
—

Multifamily
237

237

—

—

—

—

Commercial real estate
1,880

1,880

—

3,972

4,147

—

Business
4,568

4,652

—

341

402

—

Consumer
—

—

—

1

1

—

With an allowance recorded:

One-to-four family
4,295

4,541

286

5,833

5,958

520

Multifamily
1,251

1,349

181

2,240

2,240

92

Commercial real estate
741

741

76

4,812

5,023

255

Business
788

788

13

4,664

4,664

764

Total
$
16,512

$
17,195

$
556

$
22,502

$
23,328

$
1,631

The following table presents information on average balances on impaired loans and the interest income recognized for the years ended March 31, 2015, 2014 and 2013.

For the years ended March 31,

2015

2014

2013
$ in thousands
Average Balance

Interest Income recognized

Average Balance

Interest Income recognized

Average Balance

Interest Income recognized
With no specific allowance recorded:

One-to-four family
$
1,669

$
17

$
1,541

$
12

$
1,215

$
47

Multifamily
222

—

729

17

308

5

Commercial real estate
1,670

83

7,941

227

9,865

235

Construction
—

—

393

—

1,230

53

Business
3,903

215

1,508

14

1,136

41

With an allowance recorded:

One-to-four family
5,158

104

5,290

142

5,363

57

Multifamily
1,255

24

513

—

—

—

Commercial real estate
—

—

3,991

43

6,302

133

Business
855

18

3,899

212

4,932

254

Total
$
14,732

$
461

$
25,805

$
667

$
30,351

$
825

Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following table presents an analysis of those loan modifications that were classified as TDRs during the twelve month periods ended March 31, 2015 and March 31, 2014:

Modifications to loans during the years ended March 31,

2015

2014
$ in thousands

Number of loans

Pre-modification outstanding recorded investment

Post-Modification Recorded investment

Pre-Modification rate

Post-Modification rate

Number of loans

Pre-modification outstanding recorded investment

Post-Modification Recorded investment

Pre-Modification rate

Post-Modification rate
One-to-four family

1

43

43

12.00
%

12.00
%

2

747

867

5.51
%

4.69
%
Commercial real estate

1

860

860

6.60
%

6.60
%

—

—

—

Business

2

788

788

8.25
%

8.25
%

1

844

719

6.00
%

6.00
%
Total

4

$
1,691

$
1,691

3

$
1,591

$
1,586

X

- Definition
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract]
+ References
No definition available.
+ Details

Name: carv_LoansReceivableAndAllowanceForLoanAndLeaseLossesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of impaired financing receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name: us-gaap_PastDueFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3, 4

-Article 5

+ Details

Name: us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524

+ Details

Name: us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the nature of a concentration, a benchmark to which it is compared, and the percentage that the risk is to the benchmark.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 275

-SubTopic 10

-Section 50

-Paragraph 18

-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6351-108592

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13537-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13531-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 275

-SubTopic 10

-Section 50

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6442-108592

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 275

-SubTopic 10

-Section 50

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6327-108592

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 275

-SubTopic 10

-Section 50

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6404-108592

+ Details

Name: us-gaap_SchedulesOfConcentrationOfRiskByRiskFactorTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables and troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953682-111524

+ Details

Name: us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 50 R28.htm IDEA: XBRL DOCUMENT v3.2.0.727

Investment Securities (Tables)
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

INVESTMENT SECURITIES [Abstract]

Investment Securities Amortized Cost and Estimated Fair Value [Table Text Block]
The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at March 31, 2015:

Amortized

Gross Unrealized

Estimated
$ in thousands
Cost

Gains

Losses

Fair-Value
Available-for-Sale:

Mortgage-backed securities:

Government National Mortgage Association
$
5,575

$
9

$
(57
)

$
5,527

Federal Home Loan Mortgage Corporation
10,705

10

(127
)

10,588

Federal National Mortgage Association
10,925

35

(103
)

10,857

Other
47

—

—

47

Total mortgage-backed securities
27,252

54

(287
)

27,019

U.S. Government Agency Securities
58,464

48

(662
)

57,850

Other investments
16,514

—

(198
)

16,316

Total available-for-sale
102,230

102

(1,147
)

101,185

Held-to-Maturity:

Mortgage-backed securities:

Government National Mortgage Association
3,100

232

—

3,332

Federal National Mortgage Association
8,655

77

—

8,732

Total held-to-maturity mortgage-backed securities
11,755

309

—

12,064

Other investments
167

—

—

167

Total held-to-maturity
11,922

309

—

12,231

Total securities
$
114,152

$
411

$
(1,147
)

$
113,416

The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at March 31, 2014:

Amortized

Gross Unrealized

Estimated
$ in thousands
Cost

Gains

Losses

Fair Value
Available-for-Sale:

Mortgage-backed securities:

  Government National Mortgage Association
$
5,972

$
—

$
(307
)

$
5,665

  Federal Home Loan Mortgage Corporation
12,160

—

(564
)

11,596

  Federal National Mortgage Association
10,897

—

(466
)

10,431

  Other
49

—

—

49

    Total mortgage-backed securities
29,078

—

(1,337
)

27,741

U.S. Government Agency Securities
55,155

—

(2,966
)

52,189

Other investments
10,000

—

(469
)

9,531

    Total available-for-sale
94,233

—

(4,772
)

89,461

Held-to-Maturity:

Mortgage-backed securities:

  Government National Mortgage Association
3,743

225

—

3,968

  Federal National Mortgage Association
5,079

—

(283
)

4,796

    Total held-to-maturity mortgage-backed securities
8,822

225

(283
)

8,764

Other investments
207

—

—

207

Total held-to-maturity
9,029

225

(283
)

8,971

Total securities
$
103,262

$
225

$
(5,055
)

$
98,432

Sales and Calls of Available-For-Sale portfolio [Table Text Block]
The following is a summary regarding proceeds from securities sales of the available-for-sale and held-to-maturity portfolios for the years ended March 31:
$ in thousands
2015

2014

2013
Available-for-Sale:

Proceeds
$
994

$
38,991

$
31,567

Gross gains
8

513

174

Gross losses
—

2

—

Held-to-Maturity:

Proceeds
—

2,814

—

Gross gains
—

43

—

Gross losses
—

2

—

Schedule of Unrealized Loss on Investments [Table Text Block]
The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at March 31, 2015 for less than 12 months and 12 months or longer:

Less than 12 months

12 months or longer

Total
$ in thousands
Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value
Available-for-Sale:

Mortgage-backed securities
$
—

$
—

$
(287
)

$
22,297

$
(287
)

$
22,297

U.S. Government Agency Securities
(57
)

12,943

(605
)

26,400

(662
)

39,343

Other investments ⁽¹⁾
—

—

(198
)

9,802

(198
)

9,802

  Total available-for-sale securities
(57
)

12,943

(1,090
)

58,499

(1,147
)

71,442

Total securities
$
(57
)

$
12,943

$
(1,090
)

$
58,499

$
(1,147
)

$
71,442

The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at March 31, 2014 for less than 12 months and 12 months or longer:

Less than 12 months

12 months or longer

Total
$ in thousands
Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value
Available-for-Sale:

Mortgage-backed securities
$
(322
)

$
7,569

$
(1,015
)

$
20,123

$
(1,337
)

$
27,692

U.S. Government Agency Securities
(1,646
)

34,074

(1,320
)

18,115

(2,966
)

52,189

Other investments ⁽¹⁾
(469
)

9,531

—

—

(469
)

9,531

  Total available-for-sale securities
(2,437
)

51,174

(2,335
)

38,238

(4,772
)

89,412

Held-to-Maturity:

Mortgage-backed securities
(283
)

4,796

—

—

(283
)

4,796

Total held-to-maturity securities
(283
)

4,796

—

—

(283
)

4,796

Total securities
$
(2,720
)

$
55,970

$
(2,335
)

$
38,238

$
(5,055
)

$
94,208

Investments Classified by Contractual Maturity Date [Table Text Block]
The following is a summary of the carrying value (amortized cost) and fair value of securities at March 31, 2015, by remaining period to contractual maturity (ignoring earlier call dates, if any).  Actual maturities may differ from contractual maturities because certain security issuers have the right to call or prepay their obligations.  The table below does not consider the effects of possible prepayments or unscheduled repayments.
$ in thousands
Amortized Cost

Fair Value

Weighted
Average Yield
Available-for-Sale:

Less than one year
$
5,533

$
5,533

0.25
%
One through five years
16,481

16,483

1.28
%
Five through ten years
27,711

27,394

1.87
%
After ten years
52,505

51,775

1.6
%

102,230

101,185

1.55
%
Held-to-maturity:

Five through ten years
6,347

6,453

2.62
%
After ten years
5,575

5,778

2.70
%

$
11,922

$
12,231

2.66
%

X

- Definition
INVESTMENT SECURITIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_InvestmentSecuritiesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Sales and Calls of AFS portfolio [Table Text Block]
+ References
No definition available.
+ Details

Name: carv_SalesAndCallsOfAfsPortfolioTableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.
+ References
No definition available.
+ Details

Name: us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of marketable securities. This may consist of investments in certain debt and equity securities, short-term investments and other assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26626-111562

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.4)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2,12)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_MarketableSecuritiesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 51 R100.htm IDEA: XBRL DOCUMENT v3.2.0.727

Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Financial Condition (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2012

Dec. 30, 2010

Cash $ 6,700

Other assets $ 11,266 $ 11,218

Total assets 676,386 639,838

Borrowed Funds 83,403 70,403

Other liabilities 10,243 8,900

Total liabilities 621,407 588,669

Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest 54,979 51,169 $ 56,735

Total liabilities and equity 676,386 639,838

Parent Company [Member]

Cash 4,679 4,669 $ 4,654 $ 4,775

Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures 66,604 62,310

Other assets 54 70

Total assets 71,337 67,049

Borrowed Funds 13,403 13,403

Accounts payable to subsidiaries 1,249 878

Other liabilities 1,706 1,230

Total liabilities 16,358 15,511

Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest 54,979 51,538

Total liabilities and equity $ 71,337 $ 67,049

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.18)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 18

-Article 5

+ Details

Name: us-gaap_Assets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_Cash

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13,16)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.16)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

+ Details

Name: us-gaap_DebtAndCapitalLeaseObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of payable due to an entity that is affiliated with the reporting entity by means of direct or indirect ownership.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 850

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39549-107864

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(k)(1))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 946

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.6-04.12(3))

-URI http://asc.fasb.org/extlink&oid=6488278&loc=d3e603758-122996

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15(3))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.17)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 15

-Subparagraph 3

-Article 9

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph k

-Subparagraph 1

-Article 4

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 17

-Article 7

+ Details

Name: us-gaap_DueToAffiliateCurrentAndNoncurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Total investments in (A) an entity in which the entity has significant influence, but does not have control, (B) subsidiaries that are not required to be consolidated and are accounted for using the equity and or cost method, and (C) an entity in which the reporting entity shares control of the entity with another party or group. Includes long-term advances receivable from a party that is affiliated with the reporting entity by means of direct or indirect ownership.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.12)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19-26)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_Liabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.32)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 25

-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 32

-Article 5

+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.17)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 10

-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 17

-Article 5

+ Details

Name: us-gaap_OtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 15

-Article 9

+ Details

Name: us-gaap_OtherLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4I

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4590271-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568740-111683

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568447-111683

+ Details

Name: us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: dei_LegalEntityAxis=us-gaap_ParentCompanyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 52 R56.htm IDEA: XBRL DOCUMENT v3.2.0.727

Past due financing receivable (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due $ 1,614 $ 3,823

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 1,371 1,313

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 5,853 8,988

Financing Receivable, Recorded Investment, Past Due 8,838 14,124

Financing Receivable, Recorded Investment, Current 474,355 375,832

Loans Receivable, Net 483,193 389,956

One- to four family loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due 464 244

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 0 888

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 3,574 1,863

Financing Receivable, Recorded Investment, Past Due 4,038 2,995

Financing Receivable, Recorded Investment, Current 122,489 109,196

Loans Receivable, Net 126,527 112,191

Multifamily Loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due 0 444

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 434 0

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 1,054 2,240

Financing Receivable, Recorded Investment, Past Due 1,488 2,684

Financing Receivable, Recorded Investment, Current 93,218 44,841

Loans Receivable, Net 94,706 47,525

Commercial Real Estate Portfolio Segment [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due 1,150 3,133

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 936 292

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 1,102 3,891

Financing Receivable, Recorded Investment, Past Due 3,188 7,316

Financing Receivable, Recorded Investment, Current 182,663 190,785

Loans Receivable, Net 185,851 198,101

Construction Loans [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due 0 0

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 0 0

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 0 0

Financing Receivable, Recorded Investment, Past Due 0 0

Financing Receivable, Recorded Investment, Current 5,076 5,070

Loans Receivable, Net 5,076 5,070

Commercial Loan [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due 0 0

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 0 131

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 123 993

Financing Receivable, Recorded Investment, Past Due 123 1,124

Financing Receivable, Recorded Investment, Current 70,476 25,807

Loans Receivable, Net 70,599 26,931

Consumer Loan [Member]

Financing Receivable, Recorded Investment, Past Due [Line Items]

Financing Receivable, Recorded Investment, 30 to 59 Days Past Due 0 2

Financing Receivable, Recorded Investment, 60 to 89 Days Past Due 1 2

Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due 0 1

Financing Receivable, Recorded Investment, Past Due 1 5

Financing Receivable, Recorded Investment, Current 433 133

Loans Receivable, Net $ 434 $ 138

X

- Definition
Financing receivables that are less than 60 days past due but more than 29 days past due.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are less than 90 days past due but more than 59 days past due.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are current.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are equal to or greater than 90 days past due.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded Investment in financing receivables that are past due at the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes loans held for sale. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph a

-Article 9

+ Details

Name: us-gaap_LoansReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_MultifamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 53 R44.htm IDEA: XBRL DOCUMENT v3.2.0.727

Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Tables)
12 Months Ended

Mar. 31, 2015

Carver Bancorp, Inc.-Parent Company Only [Abstract]

Schedule of Condensed Balance Sheet [Table Text Block]

As of March 31,
$ in thousands
2015

2014
Assets

Cash on deposit with subsidiaries
$
4,679

$
4,669

Investment in subsidiaries
66,604

62,310

Other assets
54

70

Total assets
$
71,337

$
67,049

Liabilities and Stockholders' Equity

Borrowings
$
13,403

$
13,403

Accounts payable to subsidiaries
1,249

878

Other liabilities
1,706

1,230

Total liabilities
$
16,358

$
15,511

Stockholders’ equity
54,979

51,538

Total liabilities and stockholders’ equity
$
71,337

$
67,049

Schedule of Condensed Income Statement [Table Text Block]

Years Ended March 31,
$ in thousands
2015

2014

2013
Income

Equity in net income from subsidiaries
$
1,218

$
14

$
1,561

Other income
21

29

35

Total income
1,239

43

1,596

Expenses

Interest expense on borrowings
446

450

471

Salaries and employee benefits
167

172

181

Shareholder expense
95

82

99

Other
167

175

183

Total expense
875

879

934

Income (loss) before income taxes
364

(836
)

662

Income tax expense
—

—

—

Net income (loss)
$
364

$
(836
)

$
662

Schedule of Condensed Cash Flow Statement [Table Text Block]

Years Ended March 31,
$ in thousands
2015

2014

2013
Cash Flows From Operating Activities

Net income (loss)
$
364

$
(836
)

$
662

Adjustments to reconcile net loss to net cash from operating activities:

Loss (equity) in net income of subsidiaries
(1,218
)

(14
)

(1,561
)
Increase in account receivable from subsidiaries
(2
)

(3
)

(1
)
Increase in other assets
17

(18
)

(9
)
Increase (decrease) in accounts payable to subsidiaries
371

422

399

Increase (decrease) in other liabilities
476

461

386

Other, net
2

3

33

Net cash provided by (used in) operating activities
10

15

(91
)

Cash Flows From Financing Activities

Decrease in borrowings
—

—

—

Redemption of treasury stock, net
—

—

(30
)
Push Down of Capital Raise
—

—

—

Net cash used in financing activities
—

—

(30
)
Net increase (decrease) in cash
10

15

(121
)
Cash and cash equivalents – beginning
4,669

4,654

4,775

Cash and cash equivalents – ending
$
4,679

$
4,669

$
4,654

X

- Definition
Carver Bancorp, Inc.-Parent Company Only [Abstract]
+ References
No definition available.
+ Details

Name: carv_CarverBancorpIncParentCompanyOnlyAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 54 R30.htm IDEA: XBRL DOCUMENT v3.2.0.727

Office Properties and Equipment, Net Office Properties and Equipment, Net (Tables)
12 Months Ended

Mar. 31, 2015

Property, Plant and Equipment [Abstract]

Property, Plant and Equipment [Table Text Block]
The details of office properties and equipment as of March 31 are as follows:
$ in thousands
2015

2014
Land
$
155

$
155

Building and improvements
10,469

8,319

Leasehold improvements
8,064

7,231

Furniture, equipment, and other
12,399

11,724

31,087

27,429

Less accumulated depreciation and amortization
(24,012
)

(19,599
)
Office properties and equipment, net
$
7,075

$
7,830

X

- References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 13

-Subparagraph b

-Article 5

+ Details

Name: us-gaap_PropertyPlantAndEquipmentTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 55 R31.htm IDEA: XBRL DOCUMENT v3.2.0.727

Accrued Interest Receivable Accrued Interest Receivable (Tables)
12 Months Ended

Mar. 31, 2015

Accrued Interest Receivable [Abstract]

Accrued Interest Receivable [Table Text Block]
The details of accrued interest receivable as of March 31 are as follows:
$ in thousands
2015

2014
Loans receivable
$
2,337

$
2,139

Mortgage-backed securities
99

99

Investments and other interest-bearing assets
345

319

Total accrued interest receivable
$
2,781

$
2,557

X

- Definition
Accrued Interest Receivable [Abstract]
+ References
No definition available.
+ Details

Name: carv_AccruedInterestReceivableAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Accrued Interest Receivable [Table Text Block]
+ References
No definition available.
+ Details

Name: carv_AccruedInterestReceivableTableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 56 R8.htm IDEA: XBRL DOCUMENT v3.2.0.727

Organization
12 Months Ended

Mar. 31, 2015

ORGANIZATION [Abstract]

Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]
ORGANIZATION

Nature of operations

Carver Bancorp, Inc. (on a stand-alone basis, the “Company” or “Registrant”), was incorporated in May 1996 and its principal wholly owned subsidiaries are Carver Federal Savings Bank (the “Bank” or “Carver Federal”) and Alhambra Holding Corp., an inactive Delaware corporation. Carver Federal's wholly owned subsidiaries are CFSB Realty Corp., Carver Community Development Corporation (“CCDC”) and CFSB Credit Corp., which is currently inactive. The Bank has a majority-owned interest in Carver Asset Corporation, a real estate investment trust formed in February 2004.

“Carver,” the “Company,” “we,” “us” or “our” refers to the Company along with its consolidated subsidiaries. The Bank was chartered in 1948 and began operations in 1949 as Carver Federal Savings and Loan Association, a federally-chartered mutual savings and loan association. The Bank converted to a federal savings bank in 1986. On October 24, 1994, the Bank converted from a mutual holding company structure to stock form and issued 2,314,375 shares of its common stock, par value $0.01 per share. On October 17, 1996, the Bank completed its reorganization into a holding company structure (the “Reorganization”) and became a wholly owned subsidiary of the Company.

In September 2003, the Company formed Carver Statutory Trust I (the “Trust”) for the sole purpose of issuing trust preferred securities and investing the proceeds in an equivalent amount of floating rate junior subordinated debentures of the Company. In accordance with Accounting Standards Codification (“ASC”) 810, “Consolidations,” Carver Statutory Trust I is unconsolidated for financial reporting purposes.

Carver Federal’s principal business consists of attracting deposit accounts through its branches and investing those funds in mortgage loans and other investments permitted by federal savings banks. The Bank has ten branches located throughout the City of New York that primarily serve the communities in which they operate.

On February 7, 2011, Carver Federal Savings Bank and Carver Bancorp, Inc. consented to enter into Cease and Desist Orders (the "Bank Order" and the “Company Order,” respectively, and together the "Orders") with the Office of Thrift Supervision ("OTS"). The OTS issued these Orders based upon its findings that the Company was operating with an inadequate level of capital for the volume, type and quality of assets held by the Company, that it was operating with an excessive level of adversely classified assets, and earnings inadequate to augment its capital. Effective July 21, 2011, supervisory authority for the Company Order passed to the Board of Governors of the Federal Reserve System and supervisory authority for the Bank Order passed to the Office of the Comptroller of the Currency ("OCC"). On November 3, 2014, the OCC notified the Bank that the OCC had determined that the Bank had satisfied all of the requirements of the Bank Order and directed that the Bank Order be terminated. In addition, the OCC notified the Bank that the OCC had determined that the Bank was no longer in "troubled condition" and was relieved of all prior conditions imposed on the Bank by the OTS as a result of its troubled condition designation. The Company Order has not been terminated.

On June 29, 2011, the Company raised $55 million of capital by issuing 55,000 shares of mandatorily convertible non-voting participating preferred stock, Series C (the "Series C preferred stock"). The issuance resulted in a $51.4 million increase in equity after considering the effect of various expenses associated with the capital raise. The capital raise enabled the Company to make a capital injection of $37 million in the Bank on June 30, 2011. In December 2011, another $7 million capital injection was made in the Bank. The remainder of the net capital raised is retained by the Company for future strategic purposes or to downstream into the Bank, if necessary. No assurances can be given that the amount of capital raised is sufficient to absorb the expected losses in the Bank's loan portfolio. Should the losses be greater than expected, additional capital may be necessary in the future.

On October 25, 2011, Carver's stockholders voted to approve a 1-for-15 reverse stock split. A separate vote of approval was given to convert the Series C preferred stock to non-cumulative non-voting participating preferred stock, Series D ("the Series D preferred stock") and to common stock and to exchange the U.S. Treasury's ("Treasury") Community Development Capital Initiative ("CDCI") Series B preferred stock for common stock.

On October 27, 2011, the 1-for-15 reverse stock split was effected, which reduced the number of outstanding shares of common stock from 2,492,415 to 166,161.

On October 28, 2011, the Treasury exchanged the CDCI Series B preferred stock for 2,321,286 shares of Carver common stock and the Series C preferred stock converted into 1,208,039 shares of Carver common stock and 45,118 shares of Series D preferred stock.

Revisions

Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter results reported in the Form 10-K for the year ended March 31, 2014. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30 in the March 31, 2014 Form 10-K. Management determined that financial statements were not materially misstated as a result of these adjustments and, as such, concluded it was appropriate to adjust for these items in the March 31, 2014 Form 10-K rather than restating the December 31, 2013 Form 10-Q. Refer to note 18 for further detail on the the Company's unaudited quarterly financial data.

X

- Definition
ORGANIZATION [Abstract]
+ References
No definition available.
+ Details

Name: carv_OrganizationAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 915

-SubTopic 235

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6472506&loc=d3e38932-110933

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 10

-Section 45

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=35735333&loc=d3e288-107754

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 272

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=18733093&loc=d3e5614-111684

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6359566&loc=d3e326-107755

+ Details

Name: us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 57 R32.htm IDEA: XBRL DOCUMENT v3.2.0.727

Deposits (Tables)
12 Months Ended

Mar. 31, 2015

Deposits [Abstract]

Deposits liabilities [Table Text Block]
Deposit balances and weighted average stated interest rates as of March 31 are as follows:

2015

2014
$ in thousands
Amount

Percent of Total Deposits

Weighted Average Rate

Amount

Percent of Total Deposits

Weighted Average Rate
Non-interest-bearing demand
$
50,731

9.61
%

—
%

$
53,232

10.45
%

—
%
Interest-bearing checking
30,860

5.85

0.16

24,271

4.76

0.16

Savings
95,009

18.00

0.27

98,051

19.26

0.27

Money market savings account
148,702

28.18

0.49

127,655

25.06

0.46

Certificates of deposit
200,123

37.92

0.93

203,907

40.03

1.01

Mortgagors deposits
2,336

0.44

1.53

2,250

0.44

1.73

Total
$
527,761

100.00
%

0.55
%

$
509,366

100.00
%

0.59
%

Maturities of Certificates of Deposits [Table Text Block]
Scheduled maturities of certificates of deposit for the year ended March 31, 2015 are as follows:
$ in thousands

Period to Maturity
Rate

< 1 Yr.

1-2 Yrs.

2-3 Yrs.

3+ Yrs.

Total 2015

Percent
of Total
0% - 0.99%

$
86,119

$
5,653

$
4,063

$
9,977

$
105,812

52.87
%
1% - 1.99%

19,925

22,810

27,801

7,886

78,422

39.19

2% - 3.99%

11,223

4,494

9

159

15,885

7.94

4% and over

—

—

—

4

4

—

   Total

$
117,267

$
32,957

$
31,873

$
18,026

$
200,123

100.00
%

Certificates of Deposit $100,000 or more [Table Text Block]
The following table represents the amount of certificates of deposit of $100,000 or more at March 31, 2015 maturing during the periods indicated:
$ in thousands

Maturing:

April 1, 2015 to June 30, 2015
$
28,701

July 1, 2015 to September 30, 2015
4,612

October 1, 2015 to March 31, 2016
55,656

April 1, 2016 and beyond
67,141

Total
$
156,110

Interest expense on deposits [Table Text Block]
Interest expense on deposits is as follows for the years ended March 31:
$ in thousands
2015

2014

2013
Interest-bearing checking
$
45

$
40

$
42

Savings and clubs
255

256

259

Money market savings
692

536

739

Certificates of deposit
1,836

1,938

2,441

Mortgagors deposits
30

34

37

2,858

2,804

3,518

Penalty for early withdrawal of certificates of deposit
(5
)

(7
)

(10
)
    Total interest expense
$
2,853

$
2,797

$
3,508

X

- Definition
CD maturity [Table Text Block]
+ References
No definition available.
+ Details

Name: carv_CdMaturityTableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
CDs over $100,000 [Table Text Block]
+ References
No definition available.
+ Details

Name: carv_CdsOver100000TableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Deposits liabilities [Table Text Block]
+ References
No definition available.
+ Details

Name: carv_DepositsLiabilitiesTableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Interest expense on deposits [Table Text Block]
+ References
No definition available.
+ Details

Name: carv_InterestExpenseOnDepositsTableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 58 R83.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans Stock Options (Details) - Award Type [Domain] - $ / shares
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2012

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number ^[1] 3,029 4,029 5,362 7,362

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price $ 246.18 $ 258.16 $ 255.17 $ 235.00

Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross ^[1] 0 0 0

Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price $ 0 $ 0.00 $ 0.00

Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized ^[1] 0 0 0

Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price $ 0 $ 0 $ 0.00

Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period ^[1] 1,000 1,333 2,000

Share-based Compensation Arrangements by Share-based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price $ 294.45 $ 246.2 $ 180.90

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number ^[1] 3,002 3,975 5,229

[1] Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011

X

- Definition
The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iv)(3)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Gross number of share options (or share units) granted during the period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of options outstanding, including both vested and non-vested options.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Weighted average price at which option holders acquired shares when converting their stock options into shares.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average price as of the balance sheet date at which grantees could acquire the underlying shares with respect to all outstanding stock options which are in the customized range of exercise prices.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of share options (or share units) exercised during the current period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iv)(2)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28,29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30

-Article 5

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

XML 59 R40.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements Fair Value Measurements (Tables)
12 Months Ended

Mar. 31, 2015

FAIR VALUE MEASUREMENTS [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]
The following table presents, by valuation hierarchy, assets that are measured at fair value on a recurring basis as of March 31, 2015 and 2014, and that are included in the Company's Consolidated Statements of Financial Condition at these dates:

Fair Value Measurements at March 31, 2015, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Mortgage servicing rights
$
—

$
—

$
210

$
210

Investment securities

Available-for-sale:

Mortgage-backed securities:

Government National Mortgage Association
—

5,527

—

5,527

Federal Home Loan Mortgage Corporation
—

10,588

—

10,588

Federal National Mortgage Association
—

10,857

—

10,857

Other
—

—

47

47

U.S. Government Agency securities
—

57,850

—

57,850

Other investments
—

16,316

—

16,316

Total available-for-sale securities
—

101,138

47

101,185

Total assets
$
—

$
101,138

$
257

$
101,395

Fair Value Measurements at March 31, 2014, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Mortgage servicing rights
$
—

$
—

265

$
265

Investment securities

Available-for-sale:

Mortgage-backed securities:

Government National Mortgage Association
—

5,665

—

5,665

Federal Home Loan Mortgage Corporation
—

11,596

—

11,596

Federal National Mortgage Association
—

10,431

—

10,431

Other
—

—

49

49

U.S. Government Agency securities
—

52,189

—

52,189

Other investments
—

9,531

—

9,531

Total available-for-sale securities
—

89,412

49

89,461

Total assets
$
—

$
89,412

$
314

$
89,726

Schedule of Servicing Assets at Fair Value [Table Text Block]
The following table includes a rollforward of assets classified by the Company within Level 3 of the valuation hierarchy for the years ended March 31, 2015 and 2014:

$ in thousands
Beginning balance, April 1, 2014

Total Realized/Unrealized Gains/(Losses) Recorded in Income ⁽¹⁾

Issuances / (Settlements)

Transfers to/(from) Level 3

Ending balance, March 31, 2015

Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2015
Securities Available-for-Sale
$
49

$
—

$
(2
)

$
—

$
47

$
—

Mortgage Servicing Rights
265

(55
)

—

—

210

(51
)

$ in thousands
Beginning balance, April 1, 2013

Total Realized/Unrealized Gains/(Losses) Recorded in Income ⁽¹⁾

Issuances / (Settlements)

Transfers to/(from) Level 3

Ending balance, March 31, 2014

Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2014
Securities Available-for-Sale
$
50

$
—

$
(1
)

$
—

$
49

—

Mortgage Servicing Rights
275

(10
)

—

—

265

(7
)
⁽¹⁾Includes net servicing cash flows and the passage of time.

Fair Value Measurements, Nonrecurring [Table Text Block]
The following table presents assets and liabilities that were measured at fair value on a non-recurring basis as of March 31, 2015 and 2014, and that are included in the Company's Consolidated Statements of Financial Condition at these dates:

Fair Value Measurements at March 31, 2015, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Loans held-for-sale
$
—

$
2,576

$
—

$
2,576

Impaired loans with a specific reserve allocated
$
—

$
—

$
6,519

$
6,519

Other real estate owned
$
—

$
4,341

$
—

$
4,341

Fair Value Measurements at March 31, 2014, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Loans held-for-sale
$
—

$
5,011

$
—

$
5,011

Impaired loans with a specific reserve allocated
$
—

$
—

$
8,115

$
8,115

Other real estate owned
$
—

$
1,369

$
—

$
1,369

X

- Definition
FAIR VALUE MEASUREMENTS [Abstract]
+ References
No definition available.
+ Details

Name: carv_FairValueMeasurementsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19296-110258

+ Details

Name: us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19190-110258

+ Details

Name: us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the activity in the balance of servicing assets (including a description of where changes in fair value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (for instance, through purchases of servicing assets), disposals, changes in fair value during the period resulting from changes in inputs or assumptions used in the valuation model, other changes in fair value along with a description of those changes, and other changes that affect the balance along with a description of those changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746

+ Details

Name: us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 60 R53.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable, Net Allowance for Loan Losses Summary (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Loans and Leases Receivable, Allowance [Abstract]

Allowance for loan losses $ 7,233 $ 10,989 $ 7,233 $ 10,989 $ 19,821

Provision for loan losses $ 365 $ 1,151 $ 713 $ 780 $ (300) $ 505 $ (831) (3,010) (426) (3,327)

Financing Receivable, Allowance for Credit Losses, Recovery 1,540 1,210 398

Allowance for Loan and Lease Losses, Write-offs (1,286) (4,540) (5,903)

Allowance for loan losses $ 4,477 $ 7,233 $ 4,477 $ 7,233 $ 10,989

X

- Definition
Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

+ Details

Name: us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of recovery of financing receivables doubtful of collection that were previously charged off.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(4)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowanceAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 61 R72.htm IDEA: XBRL DOCUMENT v3.2.0.727

Income Taxes Deferred Tax Assets and Liabilities (Details) - USD ($)

Mar. 31, 2015

Mar. 31, 2014

Components of Deferred Tax Assets and Liabilities [Abstract]

Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses $ 1,681,000 $ 2,373,000

Deferred Tax Assets, Tax Deferred Expense, Other (162,000) 193,000

Deferred Tax Asset Non-accrual loan interest 68,000 64,000

Deferred Tax Asset Purchase Accounting Adjustment 23,000 44,000

Deferred Tax Assets, Operating Loss Carryforwards 17,394,000 15,181,000

Deferred Tax Assets, Tax Credit Carryforwards, Other 2,207,000 2,175,000

Depreciation and amortization expense 977,000 782,000

Increase (Decrease) in Loans Held-for-sale 464,000 752,000

Deferred Tax Assets, Unrealized Losses on Available-For-Sale Securities 448,000 1,908,000

Deferred Tax Assets, Other 947,000 577,000

Deferred Tax Assets, Gross 24,047,000 24,049,000

Deferred Tax Liabilities, Investment in Noncontrolled Affiliates (671,000) (46,000)

Deferred Tax Liabilities, Gross (671,000) (46,000)

Net Deferred Tax Asset, before valuation allowance 23,376,000 24,095,000

Deferred Tax Assets, Valuation Allowance 23,376,000 (24,095,000)

Deferred Tax Assets, Net $ 0 $ 0.0

X

- Definition
Deferred Tax Asset Depreciation
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetDepreciation

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Deferred Tax Asset Non-accrual loan interest
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetNonAccrualLoanInterest

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Deferred Tax Asset Purchase Accounting Adjustment
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetPurchaseAccountingAdjustment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Deferred Tax Assets market Value Adjustment on HFS Loans
+ References
No definition available.
+ Details

Name: carv_DeferredTaxAssetsMarketValueAdjustmentOnHfsLoans

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Net Deferred Tax Asset, before valuation allowance
+ References
No definition available.
+ Details

Name: carv_NetDeferredTaxAssetbeforevaluationallowance

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Deferred Tax Liability

-URI http://asc.fasb.org/extlink&oid=6510232

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 15

-Subparagraph b(2)

-Article 7

+ Details

Name: us-gaap_DeferredIncomeTaxLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Deferred Tax Asset

-URI http://asc.fasb.org/extlink&oid=6510090

+ Details

Name: us-gaap_DeferredTaxAssetsGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

+ Details

Name: us-gaap_DeferredTaxAssetsLiabilitiesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

+ Details

Name: us-gaap_DeferredTaxAssetsOperatingLossCarryforwards

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

+ Details

Name: us-gaap_DeferredTaxAssetsOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to other deductible tax credit carryforwards not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

+ Details

Name: us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from other provisions, reserves, allowances, and accruals not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Deferred Tax Asset

-URI http://asc.fasb.org/extlink&oid=6510090

+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from unrealized losses on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

+ Details

Name: us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

+ Details

Name: us-gaap_DeferredTaxAssetsValuationAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences from investments in unconsolidated subsidiaries and investments in other affiliates which are not controlled nor consolidated.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 25

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

+ Details

Name: us-gaap_DeferredTaxLiabilitiesInvestmentInNoncontrolledAffiliates

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 62 R2.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Financial Position - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Cash and cash equivalents:

Cash and due from banks $ 44,864 $ 115,239

Money market investments 6,128 7,315

Total cash and cash equivalents 50,992 122,554

Restricted cash 6,354 6,354

Investment securities:

Available-for-sale 101,185 89,461

Held-to-maturity 11,922 9,029

Total investments 113,107 98,490

Loans held-for-sale (HFS) 2,576 5,011

Loans receivable:

Real estate mortgage loans 412,204 362,888

Commercial business loans 70,555 26,930

Consumer loans 434 138

Loans, net 483,193 389,956

Allowance for loan losses (4,477) (7,233)

Total loans receivable, net 478,716 382,723

Premises and equipment, net 7,075 7,830

Federal Home Loan Bank of New York (“FHLB-NY”) stock 3,519 3,101

Accrued interest receivable 2,781 2,557

Other assets 11,266 11,218

Total assets 676,386 639,838

Deposits:

Savings 95,009 98,051

Non-interest bearing checking 50,731 53,232

Interest-bearing checking 30,860 24,271

Money market 148,702 127,655

Certificates of deposit 202,459 206,157

Deposits 527,761 509,366

Advances from the FHLB-NY and other borrowed money 83,403 70,403

Other liabilities 10,243 8,900

Total liabilities 621,407 588,669

EQUITY

Preferred stock 45,118 45,118

Common stock 61 61

Additional paid-in capital 55,468 56,114

Accumulated deficit (44,206) (44,570)

Treasury stock, at cost 417 417

Accumulated Other Comprehensive (Loss) Income (1,045) (4,768)

Total Equity Attributable to Carver Bancorp, Inc. 54,979 51,538

Non-controlling Interest 0 (369)

Total equity 54,979 51,169

Total liabilities and equity $ 676,386 $ 639,838

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.30(a)(1))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

+ Details

Name: us-gaap_AdditionalPaidInCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.18)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 18

-Article 5

+ Details

Name: us-gaap_Assets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.1)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 1, 2, 3

-Article 9

+ Details

Name: us-gaap_CashAndDueFromBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Value of all classes of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares exclude common shares repurchased by the entity and held as treasury shares.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockValueOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Value of outstanding nonredeemable convertible preferred stock or outstanding convertible preferred stock that is redeemable solely at the option of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_ConvertiblePreferredStockNonredeemableOrRedeemableIssuerOptionValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13,16)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.16)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

+ Details

Name: us-gaap_DebtAndCapitalLeaseObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_DepositsMoneyMarketDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_DepositsSavingsDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_EquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 325

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6478792&loc=d3e63345-112809

+ Details

Name: us-gaap_FederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.1)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.6)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_HeldToMaturitySecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of interest-bearing domestic certificate of deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest-bearing domestic checking deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_InterestBearingDomesticDepositChecking

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Carrying amount of interest earned but not received (also called accrued interest or accrued interest receivable) and carrying amounts of assets not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_InterestReceivableAndOtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19-26)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_Liabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.32)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 25

-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 32

-Article 5

+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allowance of commercial loans and leases receivable includes, but not limited to, commercial and industrial loans, agricultural loans, mortgage loans, promissory notes, interbank and other loans to financial institutions, draws against credit facilities, trade financing, lease financings. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(a),(b))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph a, b

-Article 9

+ Details

Name: us-gaap_LoansAndLeasesReceivableCommercial

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of consumer loans, including, but not limited to, mortgage, home equity, vehicles, credit card, installment, and lease financing. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(a),(b))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph a, b

-Article 9

+ Details

Name: us-gaap_LoansAndLeasesReceivableConsumer

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.1(c))

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph a

-Article 9

+ Details

Name: us-gaap_LoansReceivableCommercialRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_LoansReceivableNetAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Total debt and equity financial instruments including: (1) securities held-to-maturity, (2) trading securities, and (3) securities available-for-sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.4)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_MarketableSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_MarketableSecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of ownership interest in limited liability company (LLC) directly or indirectly attributable to noncontrolling interests.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 272

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70434-108055

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 272

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

+ Details

Name: us-gaap_MembersEquityAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Investment in short-term money-market instruments (such as commercial paper, banker's acceptances, repurchase agreements, government securities, certificates of deposit, and so forth) which are highly liquid (that is, readily convertible to known amounts of cash) and so near their maturity that they present an insignificant risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify as cash equivalents by definition. Original maturity means an original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

+ Details

Name: us-gaap_MoneyMarketFundsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of noninterest-bearing domestic checking deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_NoninterestBearingDomesticDepositChecking

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.17)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 10

-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 17

-Article 5

+ Details

Name: us-gaap_OtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 15

-Article 9

+ Details

Name: us-gaap_OtherLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 13

-Subparagraph a

-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 8

-Article 7

+ Details

Name: us-gaap_PropertyPlantAndEquipmentNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_RestrictedCashAndCashEquivalents

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The cumulative amount of the reporting entity's undistributed earnings or deficit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.31(a)(3))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_RetainedEarningsAccumulatedDeficit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SAB TOPIC 4.E)

-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29-31)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30, 31

-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section E

+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4I

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4590271-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568740-111683

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568447-111683

+ Details

Name: us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656

+ Details

Name: us-gaap_TreasuryStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 63 R45.htm IDEA: XBRL DOCUMENT v3.2.0.727

Organization (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended

Dec. 31, 2013

Dec. 31, 2011

Jun. 30, 2011

Dec. 31, 2011

Mar. 31, 2014

Mar. 31, 2015

Oct. 28, 2011

Oct. 27, 2011

Jun. 29, 2011

Oct. 24, 1994

ORGANIZATION [Abstract]

Common Stock, Shares, Issued 3,697,836 3,698,031 2,314,375

Common Stock, Par or Stated Value Per Share $ 0.01 $ 0.01 $ 0.01

Proceeds from Issuance of Convertible Preferred Stock $ 55,000

Preferred Stock, Shares Issued 55,000

Proceeds from Issuance of Preferred Stock and Preference Stock 51,400

Proceeds from Contributions from Parent $ 37,000 $ 7,000

Stockholders' Equity, Reverse Stock Split 1-for-15

Common Stock, Shares, Outstanding 3,695,892 3,696,087 2,492,415

Stock Issued During Period, Shares, Reverse Stock Splits 166,161

Stock Issued During Period, Shares, Other 2,321,286

Conversion of Stock, Shares Converted 1,208,039

Convertible Preferred Stock, Shares Issued upon Conversion 45,118

Pension plan adjustment $ 432 $ 716

X

- Definition
ORGANIZATION [Abstract]
+ References
No definition available.
+ Details

Name: carv_OrganizationAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Pension plan adjustment
+ References
No definition available.
+ Details

Name: carv_Pensionplanadjustment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Face amount or stated value per share of common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_CommonStockSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The number of shares converted in a noncash (or part noncash) transaction. Noncash is defined as transactions during a period that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4332-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4304-108586

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4313-108586

+ Details

Name: us-gaap_ConversionOfStockSharesConverted1

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of shares issued for each share of convertible preferred stock that is converted.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The cash inflow from parent as a source of financing that is recorded as additional paid in capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromContributionsFromParent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from issuance of preferred stocks identified as being convertible into another form of financial instrument, typically the entity's common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Number of shares of stock issued during the period that is attributable to transactions involving issuance of stock not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesOther

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Reduction in the number of shares during the period as a result of a reverse stock split.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesReverseStockSplits

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Description of the reverse stock split arrangement. Also provide the retroactive effect given by the reverse split that occurs after the balance sheet date but before the release of financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 4

-Subparagraph (SAB TOPIC 4.C)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187143-122770

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section C

+ Details

Name: us-gaap_StockholdersEquityReverseStockSplit

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 64 R96.htm IDEA: XBRL DOCUMENT v3.2.0.727

Variable Interest Entities VIE (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2013

May. 15, 2009

Mar. 31, 2008

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) $ 5,850

Variable Interest Entity, Rights Transferred 149,000 $ 40,000

Variable Interest Entity, Consolidated, Carrying Amount, Assets 14,186

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 103,414

Variable Interest Entity, Total Involvment with SPE Asset 117,600

Variable Interest Entity, Funded Exposure, Debt Investment 13,000

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 0

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 50,310

Variable Interest Entity, Total Exposure 63,718

Carver Statutory Trust 1 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 0

Variable Interest Entity, Rights Transferred 0

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 13,400

Variable Interest Entity, Total Involvment with SPE Asset 13,400

Variable Interest Entity, Funded Exposure, Debt Investment 13,000 $ 13,000

Variable Interest Entity, Funded Exposure, Equity Invesment 400 ^[1] $ 400

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 0

Variable Interest Entity, Total Exposure 13,400

CDE 1-9, CDE 11-12 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 0

Variable Interest Entity, Rights Transferred 40,000

Variable Interest Entity, Consolidated, Carrying Amount, Assets 14,186

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 0

Variable Interest Entity, Total Involvment with SPE Asset 14,186

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 0

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 7,800

Variable Interest Entity, Total Exposure 7,800

CDE 10 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 1,700

Variable Interest Entity, Rights Transferred 19,000 $ 19,000

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 8

Variable Interest Entity, Total Involvment with SPE Asset 8

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 0

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 7,410

Variable Interest Entity, Total Exposure 7,410

CDE 13 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 500

Variable Interest Entity, Rights Transferred 10,500

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 10,567

Variable Interest Entity, Total Involvment with SPE Asset 10,567

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 1

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 4,095

Variable Interest Entity, Total Exposure 4,096

CDE 14 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 400

Variable Interest Entity, Rights Transferred 10,000

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 10,034

Variable Interest Entity, Total Involvment with SPE Asset 10,034

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 1

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 3,900

Variable Interest Entity, Total Exposure 3,901

CDE 15, 16, 17 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 900

Variable Interest Entity, Rights Transferred 20,500

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 20,711

Variable Interest Entity, Total Involvment with SPE Asset 20,711

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 2

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 7,995

Variable Interest Entity, Total Exposure 7,997

CDE 18 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 600

Variable Interest Entity, Rights Transferred 13,254

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 13,282

Variable Interest Entity, Total Involvment with SPE Asset 13,282

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 1

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 5,169

Variable Interest Entity, Total Exposure 5,170

CDE 19 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 500

Variable Interest Entity, Rights Transferred 10,746

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 10,922

Variable Interest Entity, Total Involvment with SPE Asset 10,922

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 1

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 4,191

Variable Interest Entity, Total Exposure 4,192

CDE 20 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 625

Variable Interest Entity, Rights Transferred 12,500

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 12,219

Variable Interest Entity, Total Involvment with SPE Asset 12,219

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 1

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 4,875

Variable Interest Entity, Total Exposure 4,876

CDE 21 [Member]

Entity Information [Line Items]

Variable Interest Entity, Initial Consolidation, Gain (Loss) 625

Variable Interest Entity, Rights Transferred 12,500

Variable Interest Entity, Consolidated, Carrying Amount, Assets 0

Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets 12,271

Variable Interest Entity, Total Involvment with SPE Asset 12,271

Variable Interest Entity, Funded Exposure, Debt Investment 0

Variable Interest Entity, Funded Exposure, Equity Invesment ^[1] 1

Variable Ineterest Entity, Unfunded Exposure, Funding Commitments 0

Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount 4,875

Variable Interest Entity, Total Exposure $ 4,876

[1] (1) Excludes any proceeds realized from exchange of equity interest in CDEs as detailed below.

X

- Definition
Variable Ineterest Entity, Unfunded Exposure, Funding Commitments
+ References
No definition available.
+ Details

Name: carv_VariableIneterestEntityUnfundedExposureFundingCommitments

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Funded Exposure, Debt Investment
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityFundedExposureDebtInvestment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Funded Exposure, Equity Invesment
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityFundedExposureEquityInvesment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Rights Transferred
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityRightsTransferred

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Total Exposure
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityTotalExposure

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Variable Interest Entity, Total Involvment with SPE Asset
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityTotalInvolvmentWithSpeAsset

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: dei_EntityInformationLineItems

Namespace Prefix: dei_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The carrying amount of the consolidated Variable Interest Entity's assets included in the reporting entity's statement of financial position.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (bb)

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5710-111685

+ Details

Name: us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The reporting entity's maximum amount of exposure to loss as a result of its involvement with the Variable Interest Entity (VIE).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 4

-Subparagraph b

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5728-111685

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5747-111685

+ Details

Name: us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The gain (loss) recognized on initial consolidation of a variable interest entity (VIE) when the VIE is not a business (as defined).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5710-111685

+ Details

Name: us-gaap_VariableInterestEntityInitialConsolidationGainOrLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Carrying amount of the assets in the reporting entity's statement of financial position that relate to the reporting entity's variable interest in the Variable Interest Entity (VIE), where the reporting entity is not the VIE's primary beneficiary.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 4

-Subparagraph a

-URI http://asc.fasb.org/extlink&oid=28200181&loc=d3e5728-111685

+ Details

Name: us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_CarverStatutoryTrust1MemberMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde19Cde1112Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde10Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde13Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde14Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde151617Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde18Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde19Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_Cde20Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis=carv_CdeTwentyoneMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 65 R6.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statement of Changes in Stockholders' Equity - USD ($)

Total

Preferred Stock [Member]

Common Stock [Member]

Additional Paid-in Capital [Member]

Accumulated deficit [Member]

Treasury Stock [Member]

Accumulated Other Comprehensive Income (Loss) [Member]

Noncontrolling Interest [Member]

Stockholders' Equity at Mar. 31, 2013 $ 56,735,000 $ 45,118,000 $ 61,000 $ 55,708,000 $ (44,439,000) $ (417,000) $ 563,000 $ 141,000

Increase (Decrease) in Stockholders' Equity [Roll Forward]

Pension plan adjustment 0 0 ^[1] 0 ^[1] 0 ^[1] 716,000 ^[1] 0 ^[1] (716,000) ^[1] 0 ^[1]

Net (loss) / income attributable to Carver Bancorp, Inc. (836,000) 0 0 0 0 0 0

Other comprehensive income (loss), net of tax (4,615,000) 0 0 0 0 0 (4,615,000) 0

Transfer between Non-controlling and Controlling Interest 0 0 0 400,000 0 0 0 (400,000)

Net (loss) / income attributable to non-controlling interest (110,000) 0 0 0 0 0 0 (110,000)

Treasury stock activity (5,000) 0 0 6,000 (11,000) 0 0 0

Stockholders' Equity at Mar. 31, 2014 51,169,000 45,118,000 61,000 56,114,000 (44,570,000) (417,000) (4,768,000) (369,000)

Increase (Decrease) in Stockholders' Equity [Roll Forward]

Net (loss) / income attributable to Carver Bancorp, Inc. 364,000 0 0 0 0 0 0

Other comprehensive income (loss), net of tax 3,723,000 0 0 0 0 0 3,723,000 0

Transfer between Non-controlling and Controlling Interest 0 0 0 (650,000) 0 0 0 650,000

Net (loss) / income attributable to non-controlling interest (281,000) 0 0 0 0 0 0 (281,000)

Treasury stock activity 4,000 0 0 4,000 0 0 0 0

Stockholders' Equity at Mar. 31, 2015 $ 54,979,000 $ 45,118,000 $ 61,000 $ 55,468,000 $ (44,206,000) $ (417,000) $ (1,045,000) $ 0

[1] (1) Adjustment reflected within total equity relating to the accounting for pension plans under ASC 715-30. Refer to notes 1, 13 and 18 for further detail.

X

- Definition
The change in unrealized holding gain (loss), net of tax, on available-for-sale securities included in a separate component of shareholders' equity during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_IncreaseDecreaseInStockholdersEquityRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Net Increase or Decrease in balance of noncontrolling interest in the subsidiary during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568740-111683

+ Details

Name: us-gaap_MinorityInterestPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of Net Income (Loss) attributable to noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4J

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

+ Details

Name: us-gaap_NetIncomeLossAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net result for the period of deducting operating expenses from operating revenues.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (j)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (i)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4I

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4590271-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568740-111683

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4568447-111683

+ Details

Name: us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6405813&loc=d3e23239-112655

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_TreasuryStockValueAcquiredCostMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_NoncontrollingInterestMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 66 R94.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements Text Tag (Details)
12 Months Ended

Mar. 31, 2015

FAIR VALUE MEASUREMENTS [Abstract]

Percent of Total Assets Level 3 0.00%

Transfers between level 1 and level 2 0

X

- Definition
FAIR VALUE MEASUREMENTS [Abstract]
+ References
No definition available.
+ Details

Name: carv_FairValueMeasurementsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Percent of Total Assets Level 3
+ References
No definition available.
+ Details

Name: carv_PercentOfTotalAssetsLevel3

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Transfers between level 1 and level 2
+ References
No definition available.
+ Details

Name: carv_Transfersbetweenlevel1andlevel2

Namespace Prefix: carv_

Data Type: xbrli:pureItemType

Balance Type: na

Period Type: duration

XML 67 R59.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loan and Lease Losses Text Figures (Details)
12 Months Ended

Mar. 31, 2015

USD ($)

Mar. 31, 2014

USD ($)

Mar. 31, 2013

USD ($)

Financing Receivable, Modifications [Line Items]

Modified Loan Subsequently Defaulted $ 0

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 1,691,000 $ 1,591,000

Financing Receivable, Modifications, Number of Contracts 4 3

FNMA & 3rd party loans excluded from financial statements $ 30,600,000 $ 33,600,000 $ 37,400,000

Loans Pledged as Collateral 58,400,000

Financing Receivable, Individually Evaluated for Impairment 16,512,000 22,502,000 31,022,000

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 556,000 1,631,000 2,311,000

Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans $ 600,000 700,000 $ 3,200,000

Number of loans past due 90 days or more still accruing 0

Decrease in non-accrual loans $ (4,200,000)

Percentage decrease in non-accrual loans (33.20%)

Financing Receivable, Recorded Investment, Nonaccrual Status $ 8,395,000 12,559,000

Financing Receivable, Modifications, Recorded Investment 8,200,000 9,200,000

Impaired and non performing TDR loans 4,000,000 3,000,000

Other non-performing asset 6,900,000

Other Real Estate, Foreclosed Assets, and Repossessed Assets $ 4,341,000 $ 1,369,000

Number of Real Estate Properties 10 8

Loans held-for-sale (HFS) $ 2,576,000 $ 5,011,000

Number of TDR loans on accrual status 12 14

TDR Loans on Accrual Status $ 4,600,000 $ 6,300,000

number of loans to related parties 1 0

Commercial Real Estate Portfolio Segment [Member]

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 860,000 $ 0

Financing Receivable, Modifications, Number of Contracts 1 0

Financing Receivable, Individually Evaluated for Impairment $ 2,621,000 $ 8,784,000

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 76,000 255,000

Financing Receivable, Recorded Investment, Nonaccrual Status 2,817,000 7,024,000

One- to four family loans [Member]

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 43,000 $ 747,000

Financing Receivable, Modifications, Number of Contracts 1 2

Financing Receivable, Individually Evaluated for Impairment $ 7,047,000 $ 6,472,000

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 287,000 520,000

Financing Receivable, Recorded Investment, Nonaccrual Status 3,664,000 2,301,000

Commercial Loan [Member]

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 788,000 $ 844,000

Financing Receivable, Modifications, Number of Contracts 2 1

Financing Receivable, Individually Evaluated for Impairment $ 5,356,000 $ 5,005,000

Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 12,000 764,000

Financing Receivable, Recorded Investment, Nonaccrual Status $ 861,000 $ 993,000

X

- Definition
Decrease in non-accrual loans
+ References
No definition available.
+ Details

Name: carv_Decreaseinnonaccrualloans

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
FNMA & 3rd party loans excluded from financial statements
+ References
No definition available.
+ Details

Name: carv_Fnma3RdPartyLoansExcludedFromFinancialStatements

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Impaired and non performing TDR loans with associated allowance
+ References
No definition available.
+ Details

Name: carv_ImpairedAndNonPerformingTdrLoans

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Modified Loan Subsequently Defaulted
+ References
No definition available.
+ Details

Name: carv_ModifiedLoanSubsequentlyDefaulted

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Number of TDR loans on accrual status
+ References
No definition available.
+ Details

Name: carv_NumberOfTdrLoansOnAccrualStatus

Namespace Prefix: carv_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of loans past due 90 days or more still accruing
+ References
No definition available.
+ Details

Name: carv_Numberofloanspastdue90daysormorestillaccruing

Namespace Prefix: carv_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: instant

X

- Definition
number of loans to related parties
+ References
No definition available.
+ Details

Name: carv_Numberofloanstorelatedparties

Namespace Prefix: carv_

Data Type: xbrli:pureItemType

Balance Type: na

Period Type: instant

X

- Definition
Other non-performing asset
+ References
No definition available.
+ Details

Name: carv_OtherNonPerformingAsset

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Percentage decrease in non-accrual loans
+ References
No definition available.
+ Details

Name: carv_Percentagedecreaseinnonaccrualloans

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
TDR Loans on Accrual Status
+ References
No definition available.
+ Details

Name: carv_TdrLoansOnAccrualStatus

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The balance of financing receivables that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableModificationsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of financing receivables that have been modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsNumberOfContracts2

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
Pre-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 40

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18845-111554

+ Details

Name: us-gaap_FinancingReceivableModificationsRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Reflects the amount of additional interest income that would have been recorded if impaired or nonperforming loans were instead current, in compliance with their original terms, and outstanding throughout the reporting period or since origination (if held for part of the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 40

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18794-111554

+ Details

Name: us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6467456&loc=d3e113888-111728

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5086-111524

+ Details

Name: us-gaap_LoansPledgedAsCollateral

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The number of real estate properties owned as of the balance sheet date.
+ References
No definition available.
+ Details

Name: us-gaap_NumberOfRealEstateProperties

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of other real estate and foreclosed assets. Other real estate may include real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. Foreclosed assets include all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.10(4))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_OtherRealEstateAndForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 68 R99.htm IDEA: XBRL DOCUMENT v3.2.0.727

Quarterly Financial Data Quarterly Financial Data Text Tags (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Dec. 31, 2013

Mar. 31, 2014

Quarterly Financial Data [Abstract]

Pension plan adjustment $ 432 $ 716

X

- Definition
Pension plan adjustment
+ References
No definition available.
+ Details

Name: carv_Pensionplanadjustment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_QuarterlyFinancialDataAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 69 R35.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings (Loss) Per Share (Tables)
12 Months Ended

Mar. 31, 2015

Earnings (Loss) Per Common Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
The following table reconciles the earnings (loss) available to common shareholders (numerator) and the weighted average common stock outstanding (denominator) for both basic and diluted earnings (loss) per share for years ended March 31:
$ in thousands except per share data
2015

2014

2013
Net income (loss) attributable to Carver Bancorp, Inc.
$
364

$
(836
)

$
662

Less: Capital Purchase Program "CPP" Preferred Dividends
—

—

—

Net income (loss) available to common shareholders of Carver Bancorp, Inc.
$
364

$
(836
)

$
662

Weighted average common shares outstanding – basic
3,696,359

3,696,149

3,695,625

Effect of dilutive MRP shares
253

507

1,775

Weighted average common shares outstanding – diluted
3,696,612

3,696,656

3,697,400

Basic earnings (loss) per common share
$
0.10

$
(0.23
)

$
0.18

Diluted earnings (loss) per common share
$
0.10

$
(0.23
)

$
0.18

X

- Definition
Earnings (Loss) Per Common Share [Abstract]
+ References
No definition available.
+ Details

Name: carv_EarningsLossPerCommonShareAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 70 R65.htm IDEA: XBRL DOCUMENT v3.2.0.727

Deposits Certificates of Deposits $100,000 or more (Details)
$ in Thousands

Mar. 31, 2015

USD ($)

Time Deposits, $100,000 or More [Abstract]

April 1, 2014 to June 30, 2014 $ 28,701

July 1, 2014 to September 30, 2014 4,612

October 1, 2014 to March 31, 2015 55,656

April 1, 2015 and beyond 67,141

Certificates of Deposits, $100,000 or More $ 156,110

X

- Definition
The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, after twelve months from the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section V

-Paragraph D

+ Details

Name: us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from six months through twelve months after the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section V

-Paragraph D

+ Details

Name: us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for three months or less from the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section V

-Paragraph D

+ Details

Name: us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from three months through six months after the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section V

-Paragraph D

+ Details

Name: us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section V

-Paragraph A

-Subparagraph 4

+ Details

Name: us-gaap_TimeDeposits100000OrMore

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_TimeDeposits100000OrMoreAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 71 R22.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements Fair Value Measurements (Notes)
12 Months Ended

Mar. 31, 2015

FAIR VALUE MEASUREMENTS [Abstract]

Fair Value Disclosures [Text Block]
FAIR VALUE MEASUREMENTS

On April 1, 2008, the Company adopted ASC Topic 820 which, among other things, defines fair value, establishes a consistent framework for measuring fair value, and expands disclosure for each major asset and liability category measured at fair value on either a recurring or nonrecurring basis. ASC 820 clarifies that fair value is an “exit” price, representing the amount that would be received when selling an asset, or paid when transferring a liability, in an orderly transaction between market participants. Fair value is thus a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, ASC 820 establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value as follows:

•
Level 1— Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.

•
Level 2— Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.

•
Level 3— Inputs to the valuation methodology are unobservable and significant to the fair value measurement.

A financial instrument’s categorization within this valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.

The following table presents, by valuation hierarchy, assets that are measured at fair value on a recurring basis as of March 31, 2015 and 2014, and that are included in the Company's Consolidated Statements of Financial Condition at these dates:

Fair Value Measurements at March 31, 2015, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Mortgage servicing rights
$
—

$
—

$
210

$
210

Investment securities

Available-for-sale:

Mortgage-backed securities:

Government National Mortgage Association
—

5,527

—

5,527

Federal Home Loan Mortgage Corporation
—

10,588

—

10,588

Federal National Mortgage Association
—

10,857

—

10,857

Other
—

—

47

47

U.S. Government Agency securities
—

57,850

—

57,850

Other investments
—

16,316

—

16,316

Total available-for-sale securities
—

101,138

47

101,185

Total assets
$
—

$
101,138

$
257

$
101,395

Fair Value Measurements at March 31, 2014, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Mortgage servicing rights
$
—

$
—

265

$
265

Investment securities

Available-for-sale:

Mortgage-backed securities:

Government National Mortgage Association
—

5,665

—

5,665

Federal Home Loan Mortgage Corporation
—

11,596

—

11,596

Federal National Mortgage Association
—

10,431

—

10,431

Other
—

—

49

49

U.S. Government Agency securities
—

52,189

—

52,189

Other investments
—

9,531

—

9,531

Total available-for-sale securities
—

89,412

49

89,461

Total assets
$
—

$
89,412

$
314

$
89,726

Instruments for which unobservable inputs are significant to their fair value measurement (i.e., Level 3) include mortgage servicing rights ("MSR") and other available-for-sale securities. Level 3 assets accounted for 0.04% of the Company's total assets at March 31, 2015 and 2014.

The Company reviews and updates the fair value hierarchy classifications on a quarterly basis. Changes from one quarter to the next that are related to the observable inputs to a fair value measurement may result in a reclassification from one hierarchy level to another.

Below is a description of the methods and significant assumptions utilized in estimating the fair value of available-for-sale securities and MSR:

Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy.

If quoted market prices are not available for the specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to market information, models also incorporate transaction details, such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy and primarily include such instruments as mortgage-related securities and corporate debt.

In the period ended March 31, 2015, there were no transfers of investments between the Level 1 and Level 2 categories.

In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. In valuing certain securities, the determination of fair value may require benchmarking to similar instruments or analyzing default and recovery rates. Quoted price information for the MSRs is not available. Therefore, MSRs are valued using market-standard models to model the specific cash flow structure. Key inputs to the model consist of principal balance of loans being serviced, servicing fees and prepayment rates.

The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Company believes its valuation methods are appropriate and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

The following table includes a rollforward of assets classified by the Company within Level 3 of the valuation hierarchy for the years ended March 31, 2015 and 2014:

$ in thousands
Beginning balance, April 1, 2014

Total Realized/Unrealized Gains/(Losses) Recorded in Income ⁽¹⁾

Issuances / (Settlements)

Transfers to/(from) Level 3

Ending balance, March 31, 2015

Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2015
Securities Available-for-Sale
$
49

$
—

$
(2
)

$
—

$
47

$
—

Mortgage Servicing Rights
265

(55
)

—

—

210

(51
)

$ in thousands
Beginning balance, April 1, 2013

Total Realized/Unrealized Gains/(Losses) Recorded in Income ⁽¹⁾

Issuances / (Settlements)

Transfers to/(from) Level 3

Ending balance, March 31, 2014

Change in Unrealized Gains/(Losses) Related to Instruments Held at March 31, 2014
Securities Available-for-Sale
$
50

$
—

$
(1
)

$
—

$
49

—

Mortgage Servicing Rights
275

(10
)

—

—

265

(7
)
⁽¹⁾Includes net servicing cash flows and the passage of time.

Certain assets are measured at fair value on a non-recurring basis. Such instruments are subject to fair value adjustments under certain circumstances (e.g. when there is evidence of impairment). The following table presents assets and liabilities that were measured at fair value on a non-recurring basis as of March 31, 2015 and 2014, and that are included in the Company's Consolidated Statements of Financial Condition at these dates:

Fair Value Measurements at March 31, 2015, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Loans held-for-sale
$
—

$
2,576

$
—

$
2,576

Impaired loans with a specific reserve allocated
$
—

$
—

$
6,519

$
6,519

Other real estate owned
$
—

$
4,341

$
—

$
4,341

Fair Value Measurements at March 31, 2014, Using
$ in thousands
Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Total Fair Value
Loans held-for-sale
$
—

$
5,011

$
—

$
5,011

Impaired loans with a specific reserve allocated
$
—

$
—

$
8,115

$
8,115

Other real estate owned
$
—

$
1,369

$
—

$
1,369

Loans held-for-sale are carried at the lower of cost or market value. The valuation methodology for loans held-for sale for the period ended March 31, 2015 was based upon amounts offered, or other acceptable valuation methods and, in some instances, prior loan loss experience of Carver in connection with recent note sales.

The fair values of collateral dependent impaired loans are determined using various valuation techniques, including consideration of appraised values and other pertinent real estate market data.

Other real estate owned represents property acquired by the Bank in settlement of loans less costs to sell (i.e., through foreclosure, repossession or as an in-substance foreclosure).  These assets are recorded at the lower of their cost or fair value. At the time of acquisition of the real estate owned, the real property value is adjusted to its current fair value. Any subsequent adjustments will be to the lower of cost or market.

X

- Definition
FAIR VALUE MEASUREMENTS [Abstract]
+ References
No definition available.
+ Details

Name: carv_FairValueMeasurementsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 30

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13537-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13504-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 72 R36.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity (Tables)
12 Months Ended

Mar. 31, 2015

Stockholders' Equity Note [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
The table below presents the capital position of the Bank at March 31, 2015 and 2014.

At March 31, 2015

Tier 1 Leverage

Common Tier 1

Tier 1 Risk-Based Capital

Total Risk-Based Capital
($ in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

Amount

Ratio
Regulatory capital

$
67,244

10.85
%

$
67,244

15.10
%

$
67,244

15.10
%

$
74,738

16.78
%
Minimum capital requirement

24,793

4.00
%

20,045

4.50
%

26,727

6.00
%

35,636

8.00
%
Excess

42,451

6.85
%

47,199

10.60
%

40,517

9.10
%

39,102

8.78
%

At March 31, 2014

Tier 1 Leverage

Tier 1 Risk-Based Capital

Total Risk-Based Capital
($ in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio
Regulatory capital

$
66,648

10.38
%

$
66,648

17.55
%

$
76,429

20.12
%
Minimum capital requirement

57,771

9.00
%

49,382

13.00
%

49,382

13.00
%
Excess

8,877

1.38
%

17,266

4.55
%

27,047

7.12
%

X

- Definition
Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1G

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

+ Details

Name: us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityNoteAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 73 R98.htm IDEA: XBRL DOCUMENT v3.2.0.727

Quarterly Financial Data Quarterly Financial Data (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2013

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Interest income $ 5,714 $ 5,265 $ 5,590 $ 5,758 $ 5,733 $ 5,942 $ 5,569 $ 22,327 $ 23,248

Interest expense (946) (1,013) (992) (991) (986) (977) (1,009) (3,942) (3,951)

Net interest income 4,768 4,252 4,598 4,767 4,747 4,965 4,560 18,385 19,297

Provision for loan losses 365 1,151 713 780 (300) 505 (831) (3,010) (426) $ (3,327)

Non-interest income 1,394 1,408 1,562 1,202 1,889 1,577 2,130 5,568 6,806

Non-interest expense (6,622) (6,789) (6,753) (6,547) (7,243) (6,599) (5,280) 26,714 27,373

Income tax expense (benefit) (31) (62) (57) (16) (8) (16) (72) 166 102 328

Net (loss) / income attributable to non-controlling interest 0 151 147 (17) 146 (90) (93) (281) (110)

Net (loss) / income attributable to Carver Bancorp, Inc. $ (126) $ 111 $ 210 $ 169 $ (769) $ 342 $ 414 $ 364 $ (836) $ 662

Earnings Per Share, Basic $ (0.03) $ 0.03 $ 0.06 $ 0.05 $ (0.21) $ 0.09 $ 0.11 $ 0.10 $ (0.23) $ 0.18

Earnings Per Share, Diluted $ (0.03) $ 0.03 $ 0.06 $ 0.05 $ (0.21) $ 0.09 $ 0.11 $ 0.10 $ (0.23) $ 0.18

Scenario, Previously Reported [Member]

Interest income $ 6,004

Interest expense (979)

Net interest income 5,025

Provision for loan losses 1,052

Non-interest income 1,210

Non-interest expense (7,535)

Income tax expense (benefit) (6)

Net (loss) / income attributable to non-controlling interest 147

Net (loss) / income attributable to Carver Bancorp, Inc. $ (107)

Earnings Per Share, Basic $ (0.03)

Earnings Per Share, Diluted $ (0.03)

Restatement Adjustment [Member]

Interest income $ 6,004

Interest expense (979)

Net interest income 5,025

Provision for loan losses 1,052

Non-interest income 1,210

Non-interest expense (8,251)

Income tax expense (benefit) (6)

Net (loss) / income attributable to non-controlling interest 147

Net (loss) / income attributable to Carver Bancorp, Inc. $ (823)

Earnings Per Share, Basic $ (0.22)

Earnings Per Share, Diluted $ (0.22)

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1-5)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 1, 2 , 3, 4, 5

-Article 9

+ Details

Name: us-gaap_InterestAndDividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 835

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.9)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 9

-Article 9

+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net amount of operating interest income (expense).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.10)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 10

-Article 9

+ Details

Name: us-gaap_InterestIncomeExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of Net Income (Loss) attributable to noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4J

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

+ Details

Name: us-gaap_NetIncomeLossAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Total aggregate amount of all noninterest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 14

-Article 9

+ Details

Name: us-gaap_NoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 13

-Article 9

+ Details

Name: us-gaap_NoninterestIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net result for the period of deducting operating expenses from operating revenues.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_StatementScenarioAxis=us-gaap_ScenarioPreviouslyReportedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementScenarioAxis=us-gaap_RestatementAdjustmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 74 R24.htm IDEA: XBRL DOCUMENT v3.2.0.727

Variable Interest Entities
12 Months Ended

Mar. 31, 2015

VARIABLE INTEREST ENTITIES [Abstract]

Variable Interest Entity [Text Block]
VARIABLE INTEREST ENTITIES

The Company's subsidiary, Carver Statutory Trust I, is not consolidated with Carver Bancorp, Inc. for financial reporting purposes.  Carver Statutory Trust I was formed in 2003 for the purpose of issuing $13 million aggregate liquidation amount of floating rate Capital Securities due September 17, 2033 (“Capital Securities”) and $0.4 million of common securities (which are the only voting securities of Carver Statutory Trust I), which are 100% owned by Carver Bancorp, Inc., and using the proceeds to acquire Junior Subordinated Debentures issued by Carver Bancorp, Inc.  Carver Bancorp, Inc. has fully and unconditionally guaranteed the Capital Securities along with all obligations of Carver Statutory Trust I under the trust agreement relating to the Capital Securities.

The Bank's subsidiary, Carver Community Development Corporation (“CCDC”), was formed to facilitate its participation in local economic development and other community-based initiatives. Per the NMTC Award's Allocation Agreement between the CDFI Fund and CCDC, CCDC is permitted to form and sub-allocate credits to subsidiary Community Development Entities (“CDEs”) to facilitate investments in separate development projects.

The variable interest entities (“VIEs”) such as the CDEs and Carver Statutory Trust I are consolidated, as required, where Carver has controlling financial interest in these entities and is deemed to be the primary beneficiary. Carver is normally deemed to have a controlling financial interest and be the primary beneficiary if it has both of the following characteristics:

(a) the power to direct activities of a VIE that most significantly impact the entities economic performance; and

(b) the obligation to absorb losses of the entity that could benefit from the activities that could potentially be significant to the VIE.

The Bank's involvement with VIEs, consolidated and unconsolidated, in which the company holds significant variable interests or has continuing involvement through servicing a majority of assets in a VIE is presented below:

Involvement with SPE (000's)
Funded Exposure
Unfunded Exposure
Total

Recognized Gain (Loss) (000's)
Total Rights transferred
Consolidated assets
Significant unconsolidated VIE assets
Total Involvement with SPE asset
Debt Investments
Equity Investments ⁽¹⁾
Funding Commitments
Maximum exposure to loss

Carver Statutory Trust 1
$
—

$
—

$
—

$
13,400

$
13,400

$
13,000

$
400

$
—

$
—

$
13,400

CDE 1-9, CDE 11-12
—

40,000

14,186

—

14,186

—

—

—

7,800

7,800

CDE 10
1,700

19,000

—

8

8

—

—

—

7,410

7,410

CDE 13
500

10,500

—

10,567

10,567

—

1

—

4,095

4,096

CDE 14
400

10,000

—

10,034

10,034

—

1

—

3,900

3,901

CDE 15, CDE 16, CDE 17
900

20,500

—

20,711

20,711

—

2

—

7,995

7,997

CDE 18
600

13,254

—

13,282

13,282

—

1

—

5,169

5,170

CDE 19
500

10,746

—

10,922

10,922

—

1

—

4,191

4,192

CDE 20
625

12,500

—

12,219

12,219

—

1

—

4,875

4,876

CDE 21
625

12,500

—

12,271

12,271

—

1

—

4,875

4,876

Total
$
5,850

$
149,000

$
14,186

$
103,414

$
117,600

$
13,000

$
408

$
—

$
50,310

$
63,718

⁽¹⁾ Excludes any proceeds realized from exchange of equity interest in CDEs as detailed below.

CCDC was originally awarded $59 million of NMTC. In fiscal 2008, CCDC transferred $19 million of rights to an investor in a NMTC project. The entity was called CDE 10.

With respect to the remaining $40 million of the original NMTC award, CCDC established various special purpose entities (CDEs 1-9,11-12) through which its investments in NMTC eligible activities are conducted. As the Bank is exposed to all of the expected losses and residual returns from these investments under ASC Topic 810, the Bank has determined it has a controlling financial interest and is the primary beneficiary of these entities. During December 2010, Carver transferred its equity ownership in the CDEs and the associated rights to an investor in exchange for $6.7 million in cash.

As a result of Carver financing the purchase note, the CDEs continue to be consolidated and the investor's equity investment of $6.7 million was reflected as non-controlling interest in the Statement of Financial Condition. The sale of the equity interest in the CDEs provides the investor with rights to the new markets tax credits on a prospective basis. A portion of non-controlling interest is transferred to the controlling interest as the investor earns the tax credits. In March 2015, the investor exercised its option to sell the equity interest in the CDEs back to Carver. Under the current arrangement, the Bank has a contingent obligation to reimburse the investor for any loss or shortfall incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investor's ability to otherwise utilize tax credits stemming from the award.

In May 2009, CCDC received a second NMTC award of $65 million. During the period from December 2009 to December 2010, CCDC transferred rights to investors in NMTC projects (entities CDE 13-19). CCDC has a contingent obligation to reimburse the investor for any losses or shortfalls incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investors' ability to otherwise utilize tax credits stemming from the award.

In August 2011, CCDC received a third NMTC award of $25 million. In January 2012 and September 2012, CCDC transferred rights to investors in NMTC projects (CDEs 20 and 21). CCDC has a contingent obligation to reimburse the investors for any losses or shortfalls incurred as a result of the NMTC projects not being in compliance with certain regulations that would void the investors' ability to otherwise utilize tax credits stemming from the award.

CCDC established various special purpose entities (CDEs 22-25) through which its investments in NMTC eligible activities will be conducted. As of March 31, 2015, there have been no activities in these entities.

X

- Definition
VARIABLE INTEREST ENTITIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntitiesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Variable Interest Entity [Text Block]
+ References
No definition available.
+ Details

Name: carv_VariableInterestEntityTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 75 R68.htm IDEA: XBRL DOCUMENT v3.2.0.727

Borrowed Money Borrowings (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Borrowed Money [Abstract]

Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances $ 65,000 $ 52,000 $ 58,000

Subordinated Debt $ 18,403 $ 18,403 $ 18,403

Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate 0.79% 0.93% 1.63%

Subordinated Borrowing, Interest Rate 2.99% 2.99% 2.99%

Federal Home Loan Bank, Advances, Activity for Year, Maximum Outstanding at any Month End $ 65,000 $ 77,000 $ 69,011

Subordinated Debt Maximum Outstanding at any month end 18,403 18,403 18,403

Federal Home Loan Bank, Advances, Activity for Year, Average Balance of Agreements Outstanding 28,299 32,825 31,531

Subordinated Debt Average Outstanding for year $ 18,403 $ 18,403 $ 18,403

Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year 1.91% 1.84% 2.53%

Subordinated Debt weighted average rate paid 2.98% 2.99% 3.11%

X

- Definition
Borrowed Money [Abstract]
+ References
No definition available.
+ Details

Name: carv_BorrowedMoneyAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Subordinated Debt Average Outstanding for year
+ References
No definition available.
+ Details

Name: carv_SubordinatedDebtAverageOutstandingForYear

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Subordinated Debt Maximum Outstanding at any month end
+ References
No definition available.
+ Details

Name: carv_SubordinatedDebtMaximumOutstandingAtAnyMonthEnd

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Subordinated Debt weighted average rate paid
+ References
No definition available.
+ Details

Name: carv_SubordinatedDebtWeightedAverageRatePaid

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
The calculated average balance outstanding for the year for all Federal Home Loan Bank advances as of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The calculated weighted average interest rate for Federal Home Loan Bank advances for the period ended as of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
The maximum balance outstanding at any month end during the period as of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of advances from the Federal Home Loan Bank (FHLB).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankAmountOfAdvancesByBranch

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Describes the weighted average interest rate applicable to the specific advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6479336&loc=d3e64711-112823

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19(b))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Stated interest rate of the subordinated debt.
+ References
No definition available.
+ Details

Name: us-gaap_SubordinatedBorrowingInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.16)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.16)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Article 5

-Subsection 19, 20, 22

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 16

-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 10

-Section F

+ Details

Name: us-gaap_SubordinatedDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 76 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 77 R7.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Cash Flows - Scenario, Unspecified [Domain] - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

CASH FLOWS FROM OPERATING ACTIVITIES

Net income / (loss) before attribution of non-controlling interest $ 83 $ (946)

Net (loss) / income attributable to non-controlling interest, net of taxes (281) (110)

Net Income (Loss) Attributable to Carver Bancorp, Inc. 364 (836)

Adjustments to reconcile net income (loss) to net cash provided by operating activities:

Provision for (recovery of) loan losses (3,010) (426)

Pension plan termination cost 0 1,148

Stock based compensation expense 2 2

Depreciation and amortization expense 1,052 1,079

Gain on sale of securities, net (8) (552)

Gain on sale of loans, net 2 (1,319)

Market adjustment on held-for-sale loans (28) (231)

Proceeds from sale of loans held-for-sale 0 21,614

Assets repurchased from third parties (174) (2,116)

(Increase) decrease in accrued interest receivable (224) (310)

Amortization and accretion of loan premiums and discounts and deferred charges (1,216) (2,280)

Amortization and accretion of premiums and discounts - securities (223) 176

(Increase) decrease in other assets 4,872 (207)

(Decrease) increase in other liabilities 2,143 (563)

Net cash provided by operating activities 3,833 15,546

CASH FLOWS FROM INVESTING ACTIVITIES

Purchase of securities: Available-for-sale (28,200) (35,180)

Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale 16,209 51,592

Proceeds from principal payments, maturities and calls of securities: Held-to-maturity 886 5,105

Originations of loans held-for-investment (66,783) (68,450)

Loans purchased from third parties (87,292) (54,459)

Principal collections on loans (59,097) (89,570)

Proceeds on sale of loans 0 398

Decrease (increase) in restricted cash 0 4,311

Redemption (purchase) of FHLB-NY stock (418) 402

Purchase of premises and equipment (289) (305)

Proceeds from sale of real estate owned 0 1,727

Net cash (used in) provided by investing activities (106,790) (5,289)

CASH FLOWS FROM FINANCING ACTIVITIES

Net increase (decrease) in deposits 18,395 13,651

Net (decrease) increase in FHLB-NY advances and other borrowings 13,000 (6,000)

Net cash provided by (used in) by financing activities 31,395 7,651

Net increase in cash and cash equivalents (71,562) 17,908

Cash and cash equivalents at beginning of period 122,554

Cash and cash equivalents at end of period 50,992 122,554

Noncash financing and investing activities

Transfer of loans held-for-investment to loans held-for-sale 0 12,717

Transfer into real estate owned 2,775 954

Cash paid for-

Interest 3,474 3,576

Income Taxes 161 130

Market adjustment on real estate owned (216) 0

Gain (loss) on real estate owned $ 5 $ (257)

X

- References
No definition available.
+ Details

Name: us-gaap_AdditionalCashFlowElementsAndSupplementalCashFlowInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 830

-SubTopic 230

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6450594&loc=d3e33268-110906

+ Details

Name: us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_Depreciation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Costs and payments related to employee benefits and equity-based compensation, such as pension expense and contributions, other postretirement benefits expense and payments, stock or unit options expense, and amortization of restricted stock or unit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_EmployeeBenefitsAndShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_GainLossOnSaleOfInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_GainLossOnSaleOfLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14(d))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 14

-Subparagraph d

-Article 9

+ Details

Name: us-gaap_GainsLossesOnSalesOfOtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585

+ Details

Name: us-gaap_IncomeTaxesPaid

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 45

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6477933&loc=d3e60009-112784

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3095-108585

+ Details

Name: us-gaap_IncreaseDecreaseInDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in net unamortized loan origination fees and other fees that are collected at origination but recorded as income over the life of the loan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInLoansDeferredIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in the value of mortgage loans that are held with the intention to sell or be securitized in the near future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInMortgageLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The change in the premium receivable balance on the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInPremiumsReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash inflow or outflow for the increase (decrease) associated with funds that are not available for withdrawal or use (such as funds held in escrow) and are associated with underlying transactions that are classified as investing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_IncreaseDecreaseInRestrictedCash

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of cash paid for interest during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585

+ Details

Name: us-gaap_InterestPaid

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Reconcile the changes in loans that will be sold to other entities balances to the amounts presented in the consolidated statement of cash flows. Enter the additions to trade accounts that will be sold to other entities for the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

+ Details

Name: us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowAdditionsToHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of principal collected on mortgage loans on real estate during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 948

-SubTopic 310

-Section S99

-Paragraph 1

-Subparagraph (SX 210.12-29.6)

-URI http://asc.fasb.org/extlink&oid=6589523&loc=d3e617274-123014

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 10

-Section S99

-Paragraph 6

-Subparagraph (SX 210.5-04.(c) Schedule IV)

-URI http://asc.fasb.org/extlink&oid=27047687&loc=d3e5864-122674

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph c

-Subparagraph Schedule IV

-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 29

-Article 12

+ Details

Name: us-gaap_MortgageLoansOnRealEstateCollectionsOfPrincipal

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of Net Income (Loss) attributable to noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4J

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

+ Details

Name: us-gaap_NetIncomeLossAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoncashInvestingAndFinancingItemsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash outflow (inflow) from acquisition (sale) of Federal Home Loan Bank (FHLBank) stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsForProceedsFromLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

+ Details

Name: us-gaap_PaymentsToAcquireAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow associated with purchasing loans held for investment purposes during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsToAcquireLoansHeldForInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow associated with other investments held by the entity for investment purposes not otherwise defined in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsToAcquireOtherInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsToAcquirePropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of pension benefit costs recognized during the period for (1) defined benefit plans and (2) defined contribution plans. For defined benefit plans, pension expense includes the following components: service cost, interest cost, expected return on plan assets, gain (loss) on plan assets, prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments. For defined contribution plans, the pension expense generally equals the firm's contribution to employees' accounts (if the firm contributes) during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 70

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6414718&loc=d3e28014-114942

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_PensionExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ProceedsFromInvestingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with the maturity, prepayments and calls (requests for early payments) of debt securities designated as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3095-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3098-108585

+ Details

Name: us-gaap_ProceedsFromPaymentsForOtherFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from Sales of Loans Held For Investment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfLoansHeldForInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3337-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3461-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 55

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=34726456&loc=d3e60097-112785

+ Details

Name: us-gaap_ProceedsFromSaleOfLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with the sale of other real estate not otherwise defined in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_ProceedsFromSaleOfOtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4569616-111683

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4K

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591552-111686

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-Subparagraph (a),(c)

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4J

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686

+ Details

Name: us-gaap_ProfitLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Total Increase or Decrease in the real estate owned valuation allowance for period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.10(4))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- Definition
Value transferred from mortgage loans to real estate owned (REO) in noncash transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4332-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4304-108586

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4313-108586

+ Details

Name: us-gaap_TransferToOtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 78 R3.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Financial Position Parentheticals - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Held-to-maturity securities fair value $ 12,231 $ 8,971

Series D convertible preferred stock 45,118 45,118

Series D convertible preferred stock Par Value $ 0.01 $ 0.01

Series D convertible preferred stock liquidation preference for Issued $ 1,000 $ 1,000

Series D convertible preferred stock liquidation preference for Outstanding 1,000 1,000

Common Stock $ 0.01 $ 0.01

Common Stock shares authorized 10,000,000 10,000,000

Common Stock shares Issued 3,698,031 3,697,836

Common Stock shares Outstanding 3,696,087 3,695,892

Treasury Stock 1,944 1,944

X

- Definition
Face amount or stated value per share of common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of common shares permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_CommonStockSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Fair value of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(d)(1))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph d

-Article 4

+ Details

Name: us-gaap_PreferredStockLiquidationPreference

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28,29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30

-Article 5

+ Details

Name: us-gaap_TreasuryStockShares

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

XML 79 R17.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings (Loss) Per Common Share
12 Months Ended

Mar. 31, 2015

Earnings (Loss) Per Share [Abstract]

Earnings (Loss) Per Share [Text Block]
EARNINGS (LOSS) PER COMMON SHARE

The following table reconciles the earnings (loss) available to common shareholders (numerator) and the weighted average common stock outstanding (denominator) for both basic and diluted earnings (loss) per share for years ended March 31:
$ in thousands except per share data
2015

2014

2013
Net income (loss) attributable to Carver Bancorp, Inc.
$
364

$
(836
)

$
662

Less: Capital Purchase Program "CPP" Preferred Dividends
—

—

—

Net income (loss) available to common shareholders of Carver Bancorp, Inc.
$
364

$
(836
)

$
662

Weighted average common shares outstanding – basic
3,696,359

3,696,149

3,695,625

Effect of dilutive MRP shares
253

507

1,775

Weighted average common shares outstanding – diluted
3,696,612

3,696,656

3,697,400

Basic earnings (loss) per common share
$
0.10

$
(0.23
)

$
0.18

Diluted earnings (loss) per common share
$
0.10

$
(0.23
)

$
0.18

X

- Definition
Earnings (Loss) Per Share [Abstract]
+ References
No definition available.
+ Details

Name: carv_EarningsLossPerShareAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for earnings per share.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1278-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_EarningsPerShareTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 80 R93.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements Fair Value on a Non-recurring basis (Details) - USD ($)

Mar. 31, 2015

Mar. 31, 2014

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]

Loans held-for-sale (HFS) $ 2,576,000 $ 5,011,000

Impaired Loans with Specific Reserve Allocated 6,519,000 8,115,000

Other Real Estate, Foreclosed Assets, and Repossessed Assets 4,341,000 1,369,000

Fair Value, Inputs, Level 1 [Member]

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]

Loans held-for-sale (HFS) 0 0

Impaired Loans with Specific Reserve Allocated 0 0

Other Real Estate, Foreclosed Assets, and Repossessed Assets 0 0

Fair Value, Inputs, Level 2 [Member]

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]

Loans held-for-sale (HFS) 2,576,000 5,011,000

Impaired Loans with Specific Reserve Allocated 0 0

Fair Value, Inputs, Level 3 [Member]

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]

Loans held-for-sale (HFS) 0 0

Impaired Loans with Specific Reserve Allocated 6,519,000 8,115,000

Other Real Estate, Foreclosed Assets, and Repossessed Assets $ 0 $ 0

X

- Definition
Impaired Loans with Specific Reserve Allocated
+ References
No definition available.
+ Details

Name: carv_ImpairedLoansWithSpecificReserveAllocated

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of other real estate and foreclosed assets. Other real estate may include real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. Foreclosed assets include all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.10(4))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_OtherRealEstateAndForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 81 R91.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value on a Recurring basis (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Servicing Asset at Fair Value, Amount $ 210 $ 265

Government National Mortgage Asscociation, AFS, Fair Value Disclosure 5,527 5,665

Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure 10,588 11,596

Federal National Mortgage Corporation, AFS, Fair Value Disclosure 10,857 10,431

Other 47 49

US Government Agency securities 57,850 52,189

Other Securities, AFS, Fair Value Disclosure 16,316 9,531

Available-for-sale 101,185 89,461

Assets, Fair Value Disclosure 101,395 89,726

Fair Value, Inputs, Level 1 [Member]

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Servicing Asset at Fair Value, Amount 0 0

Government National Mortgage Asscociation, AFS, Fair Value Disclosure 0 0

Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure 0 0

Federal National Mortgage Corporation, AFS, Fair Value Disclosure 0 0

Other 0 0

US Government Agency securities 0 0

Other Securities, AFS, Fair Value Disclosure 0 0

Available-for-sale 0 0

Assets, Fair Value Disclosure 0 0

Fair Value, Inputs, Level 2 [Member]

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Servicing Asset at Fair Value, Amount 0 0

Government National Mortgage Asscociation, AFS, Fair Value Disclosure 5,527 5,665

Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure 10,588 11,596

Federal National Mortgage Corporation, AFS, Fair Value Disclosure 10,857 10,431

Other 0 0

US Government Agency securities 57,850 52,189

Other Securities, AFS, Fair Value Disclosure 16,316 9,531

Available-for-sale 101,138 89,412

Assets, Fair Value Disclosure 101,138 89,412

Fair Value, Inputs, Level 3 [Member]

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]

Servicing Asset at Fair Value, Amount 210 265

Government National Mortgage Asscociation, AFS, Fair Value Disclosure 0 0

Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure 0 0

Federal National Mortgage Corporation, AFS, Fair Value Disclosure 0 0

Other 47 49

US Government Agency securities 0 0

Other Securities, AFS, Fair Value Disclosure 0 0

Available-for-sale 47 49

Assets, Fair Value Disclosure $ 257 $ 314

X

- Definition
Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure
+ References
No definition available.
+ Details

Name: carv_FederalHomeLoanMortgageCorpAfsFairValueDisclosure

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Federal National Mortgage Corporation, AFS, Fair Value Disclosure
+ References
No definition available.
+ Details

Name: carv_FederalNationalMortgageCorporationAfsFairValueDisclosure

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Government National Mortgage Asscociation, AFS, Fair Value Disclosure
+ References
No definition available.
+ Details

Name: carv_GovernmentNationalMortgageAsscociationAfsFairValueDisclosure

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Other Securities, AFS, Fair Value Disclosure
+ References
No definition available.
+ Details

Name: carv_OtherSecuritiesAfsFairValueDisclosure

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

+ Details

Name: us-gaap_AssetsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The fair value as of the balance sheet date of firm holdings in debt obligations issued by the US government including short-term Treasury bills, medium-term Treasury notes, and long-term Treasury bonds, as well as debt issued by agencies. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 940

-SubTopic 320

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=35711157&loc=d3e42546-110969

+ Details

Name: us-gaap_FinancialInstrumentsOwnedUSGovernmentAndAgencyObligationsAtFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of securitized, pay-through debt securities collateralized by real estate mortgage loans classified as available-for-sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Mortgage-Backed Securities

-URI http://asc.fasb.org/extlink&oid=6517959

+ Details

Name: us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746

+ Details

Name: us-gaap_ServicingAssetAtFairValueAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

ZIP 82 0001016178-15-000008-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001016178-15-000008-xbrl.zip M4$L#!!0````(`/F&W4;9%YU'[KX#`(9[4P`1`!P`8V%R=BTR,#$U,#,S,2YX M;6Q55`D``]6PD575L)%5=7@+``$$)0X```0Y`0``[%U;C=C_X/7S MJDQRQ]'=$]S4[5B[[++=T]-/'1A2-E,2J`&Y[/WUFXF$KD@R,DB9<"8F.ESB M=BY??N>22?+3/]Y&P[-7G*1A'/U\CKX(YV?I MLOHD&!C)*!`DW9<507W2IG=[>TJ&X27][QD1/$HO?2]Y_?G\)C"Y$\39`D=%Z<'T^B+'F?7T)O]27%_I?G^/5B=I!>)/4$ MU%NZ;)(DQ"[;KIL=I1?*JQ<&."R_AAPH.1V_^2_EY],C)1>$T2M.L_)+IL=* MM`G36!:1MF*W_,HX>2:G"]+%[(SB@F$8?=]Q-CW\Y*6X.#WR0C\MERD_1$5" MJR)%<11-1N7/"++D(GL?XPMR4H^D&.%B>FH5^N M`CE0HD":C9,MYY,C)1=,TMZSYXWGUPR\]"D79':@Q-GD2!(/<5IZ37ZD_")J MA_*+\B-E%V4)?MYJ)^."'"].I0>"-9#/[3D]N')J5GJJ,CTU6SXUW`70*,V\ MR)]#[FT#HC^D_&QD&,9%?G1^:AJ4G4ANBR[^=7/]X+_@D;&H M__B)/NPRS8_>_%#^%`?UQ$.+D+)<$KVA10-.^ M^M_S7P2BBX!4I.D_7:Q?/'W*Q<9C9D\9DY$5!RL/)H9(,H?$A5^FJ*+`*FZP M.+9\!8Z"XGRE)T@$A8L'!O.SB]\6CRQ^F1EHA\EDCDPF53297+_)KJ8H8]9> MT]&6E0"F./)Y[44>M">^-WJ24+?V,A^^E^OW_8(L_II%X;\>,C*<:+KK_CTA MXMGQ:!Q'Y)^I^1:F\[.^QA&]#XG!A,V?K\@=$Y)ZW>#1$TZ.:!G*O/T MM^F/`7GXVW@8^N%,KK,@).=,$_^9'I<[M3W_I3AME[H_790^;2;>Q:9\7'/E M(B)71,P]SKPPPH'K)1&Q8=I:K)0K>D24,)*$'(22.Y(U8E)0@Z*/*;O3T:3(6W$W&8O.*&G)?B%.N(57Q&:'N'6PN;#NGI@M!EB!D&8$0MZPSLO M#*XBVQN'F3=LK>-WZMNMX#%K'0-!,$<0#73*#\X4'A/LI9/DO=WN+M&R>]E" M=3(`<'2)"F#BY!03)XR00_52`F9-N"XG#J((Z'"SU>%F@#P.+DV!/Z`8A8R$ MC8RD^65+!_:=P/TN$#TT`#@?ZU-,\O.O,3*T+3'<*IFNHUUG=_4!S'+KY MH(`&32VN@QK,>S,_[\V2_Z%'Q;7/#ZA882J+H:FLQM8_<;&-E53_-E9T=D?\ M)G&SZQNJ.+F!>DAL8$TM,1DO]D+"B>UU-;77W>2)4$-_&'L9LZ9;&FNYX42] M5J9!AJ'P90@BL9P;0JZ?=!#++:5/DHZ@+O%TC8/H@5V+;8P=K>XH32##B_[$ M_Z)1]Y"1>0DZ4L6@(S43=):3_1OOWW'R2#=QOATX^"DSHV":^SY@?Y*$68A7 MT_Z;.,F>O6=L>?YW'"Q.XB_7_Z#FBZQ_M^J\I_I-@"(OCCJ,C"7]>89'R4JW MJ@CY-7[%2425^^I-9T,*FYEI&OMA_J.-$^I%GW!<2FYX2]+!Y_Q`^NO7&[,# M.*K-2LVBC;55=37@$\+:2<(::TCZ;"#LXP`GWO"W>(2O8R\J3&O'R3A.]HS> M_F_7-W8'\%:3C7@.J)^%&433%D53MJ&6I[#TQ$[%Q*U:\PR%&M(D0`,D1Y]- MC@XBXWXW0E8])NHX2?W^L(C\YC..?')"YSCKHT8`"@-H<0DMYFD(>@$MZ06P M1F+U81-2,;Y3L18B$Z823SR5R"*F9"@(6I*UL;Z/&S3$&&Z('?=]1F`9;EF& M;:#`6H-3+Z$[SH:Q@`LN<,%:2E(#DB`K`?Q`$=Z6(KP=F(*68_M:C@P@\[/) M."RE:^=2.@;K/I@0;,F$(/.5))!:BTBM;1$7$L%6)(+,DR"$VY:$V[81('17 MV'E;NB'JDG+JXF-3"K'BB)*:&5$B-ULIB\V7EJ;OQY,H2[_&A'8I,U/N[8>1 M%_EA]'R/?1R^>D]#;+TO_J9#<&.K79R0A&%XC[VAF]*][>[(V!O$PS!^F`X> M_NCF,Z99W:+W8[;AF8K6E[M_"E:^E[S^=3,9$E]ZHW#XGE_?-?Q0(UR6&^%H M0#G"6Z+`/]WC'_Y@E9T=Q& M^#'NQY.DW_&L9KLA>`=,`R$(>.6$O,)/ID(D2R8^;9=VDE>6L5)B"-X!TTB^ M`H!A`#!<9"[0BSE]+X9UH$#1S$S1S'IR"]408]500]N:2*O+*H!>.*87UB9R MF\,7),:G2XQ91)D,+-9.%F-@@5?=^(+,BH7,BD64*1`KVQPKV=P^"19W=&1Q M!XN,UVSU"5CD`HN,U!#-1%^H(4Y>0S`2=^O$%]00S-40C*"LSH@**&,.98S$ MRMK[(3![?:+9:Q:K@MHC):"+!72U-4("NEA`%R.1L=DJ$CH:7'0T&&&Z9CJ] M,)_`R'Q""[,U>*7B=*]4=(G!`%LGQ!8#O'4UK0.^0:;6O4QM:4VMU,PB[&:0 M!:QUPI<,.4`*=.M9Z-;SA1FHZEBHZGC%#*QM./%+9!R@!3KDC+R;VA!6CK*A MT_S@%7EX$GE#.\%!F)EIBM.46F;UTWO1,/R.A^^/L87M>#C$?H;+Q.@:"@^F MK`H2[G+0TGW?(5DGHW:%?+Y$T4")YX\98/)L+OP9S,&K/H%AD/=&3^T]QFO M"J"[?^+^3W=3(V;&`*1%U1@SB9$2>"?1_Z"+)VI'_,;_`<#A2 ME0#9$I]5!"11ITVBNEI=,Y-!01E]R"K_BI-GD$#5\]I`_3-KD$(QDT)UN)YF M/4N",OLHDVU=38:8FFF#A*CI]:&PM(*-):*PB*+Y]BFD_@SV3B'K/U$A#),) M#-?",*-PHH2HBVNKV4F#8'%ULT4MS(QQ4/3"-!B3+5&(#.SU0B%>-!LONHUY M!F(!`+S!7!]:_*?.]]O5WY?9@WBW"?S4\#X!>\O<01O>%>Y.OG[2:2Y^A@9L M==6F'!Y`#^5J1Z`."0^LU(1LY_0K-;L^*&">B\\1P^C4%S_#"18^MR.1.E%C MM%-`AR#!P4"`B`![C7;V?6`HI^%=`'@7`!@>=GUH,\M#K@^;9G60[!E[Q87U MX0![B78E'D#)>_K>$,RJL='^@2DT>!?X5+$`W@7F'X7"L]*:[:3P[N4V;L_B[)":WR-[OAN3.Q#WN MWY-P3`6WWC?(O3])HC";)#AWXQO]B\.FR@=ZYL8@UB M7M_+<'H[QKB^`GP\U6%RQK.D[V]*O*< MW'_$R73HY!:X'=-7,!;J<^_;K9JUW:4D+JG;0,V]5W3LHL#Z*"*ZBDS4P*R#`D6!D2 M4L4A(3*5YT11!$P]`5_F#4@%7F9<^:63@O==;S=L!3J_'$ M8)UP+#I3J)U5@-\:_-;,PC.='1%,,O&YJ,@`IE4PK9D%P/01,!FYRP%+JUA: MLPK/4#INF@74='IJ8BW-.BH"@<].SF>=QA]D^@QD^BPB4%Y:2'N-7_%0LH=> MFE+O!73OJ-E"VOE&.5Z8_-,;3O!5-)YDZ?0*?B"5>WV[FDN[XVS7LWN]5;EX MQP(`^DDR18;,DS@4>XXY'C%B+`(YSRR!%@ M\D\O">EGN8HMLUPJ8HA3Z[U(U_Q\BMDDBY/WQV22 M9K/^<+>PL<\.0#,0FQB+33REK`IU5N=@L*0U0*&`@MPY&,@`@14(//X@&KW' M$8?-C<\A84UQG@%1>P$+M`"99570B$+70%-HS#-UU-P,[1H$"HT!`M#`8*:! MP5FR`:0!R49ET'0NV4`M2#;JI@ZH7;M()+4'(.`2P`TL_6!TZ4?;401M$\`- MK!=A9[U(ZW$#L[^=PL]5_E5+Q/S7(:8?J%1Z2*F[MXF^21QHCX3\PXFU?F%G MIOT#)+P<);P;D&AJ1R_H][>OW]_8CF`B#Q2*ZO](V?0K;5R$3Y4F&Z)>M_9Z M;6P!K;;F&4#0F_K$%N+E[!+^&\20=OA=O+O+',*6:+E[-W*?J$>M9J$/3MN!O\F:1G]JW4(V:%E%\'!;JZZ'J:TBF&JB>_)*@QG MMY]JILG-A'6%X7;2FKVJC4>YF?&H\#(>Y8KC46YJ/,I\V$NIF#,VN*8LP.%? MU_C9&R[5G$4*<.N6*%/2:KY,13KPL3I8M&5Z.IIL%_A*FL2PB M[?+W!Z=X=G%HQ1(EMUIZB(.C>!1&VQ\S,V?^#<>]SUF_6W%LH>'RV64VFCYH MQ3P?E&3?G:/)QH!8O?.8_'G`?8E72V^ZVS\;=YU^YM+WDPD.YO.9;_0CFKC_ M,GPZF^'J'@_F1=GY68#]<.0-TY_/>\IY+DW?\[,>,G6D6*:H.[;D(E=6'%V2 M!4UV3$65+%4]/Z./S6^52R_\=+'G\0>)J.P244":I4FH;PEJW]")6*9>B&@C M4ZQ?Q(?)4YP$%)PXUVF3^N@[-:!: LJ6+?=$T%$>4;46;Z:"[JJ!OZ*#6H,-UG*8V MD3.,GG'DOSO>R'O&:3].KKT?Z23,T@]H(2PIH0N*8.A]Y)IVWU8L35!L=:J$ MW%>$3>A(FRKL%6E)B5Z:^LK8>!G?$_,M&^@R$O*NF1LZ)*MNWVA[PB2 M;)J6._.89AGRLL<*@A.^"$C7"H7K%_]`V]Q&Q;WI8^JPC69HJJ"HJF(X=E\P M7!,AM;"-2G[;8ANZ#J!F#:UR\[+BBE)1\7IT#;.7,")XHN;[ MI.**Z2!D2;9M$T;49%%':$X/).1OH0=!K*SX'ID75K#B)(E_$&*]#D=AUD_B M$0W.MX/I5S4^0/7B\@B7Q+Z@V6:?$)HM*W*_KPE%S%45QRU53RK@O%N4AY1@;T@_4?ZK1Y)],\KC!$X?XRN2^B<36E"DO^%AL"5UJ.6K*J(H:HZEFJIB6;8MJ2IR9J8074G:2#]ZVB+J55:P3MO4^,FA;;;13-<6 M'<-03%B@/; M&X>9-R2U4#B:C/SIOQ),SIQN\UZ)U75%44P2Z'2'9#RJ(NEBD>]8IBJA\C$N M*W,%#Y:R@J:SJX)!G,Q^,0/RD^>_[RT+I!4BMUQ+-RS5$6VICT3%D.1"5V(# M:=V3),M.I6(4TGV+*:_S#E\DY;WP%&T-%=U2<`Q3*.OJHXDBF:ACDOJHU(X(C+B M/JY/F8@+'1WLDY&:XC"*XLBC";TW',9>])'@LE(-*1816R"2N0K2;=V1':VH M0?L:J4PW:$->*>FVRK$LZ@`G!&Z/WENNA8/'"9$E7Y2\MZ)?QI!*.,V6)*H3 M4FW3$IS"Z(ILV,8&PVFZN"SH=BD.E'47W@U7Z$NN1>I)6MMKKNC*SAP@DH76 M934T[;.R?HTC<^J`:^*`HD"M9&&3B"8U^52,&I.(X@FLC5"6FJ<\/+HKU1DM0A M=7KC)=]QEE<(BU%P&_TV2*\WUOF2:2L'Y@FEI&YRO M*3MLOT^R&G7:$WU5TR:!5]1I$B!IBFW/HZ\@;G+HKD#V"9UNQW3&B1;?M-=* M/V%%>5)635LQ21%@:HY2$.2.\^X520K964.4461T2E4 MV23J%:]8BN1*FJBX2.PCEV@E%S1'`&=L:Q*N`ZV")NZ;C^D,RYYJO!*QZ8YA MB(30=%)S6CJM^N6BR2.2@;&1F<@:,HR%%A\4J;(.XZGNWG.EOJW@DI!CVYKB M*"1Y,33D2/]/WI4UMW$KZU_D%-#8'['FI"I>8OO6?6:DD<-[*%*'E.SC?W\; ME#`<"C,<#D7+LIVJE#=1^KK1.[H;Q4I;8^A`$DWD1&IVX'9TM06V=XO9\MYR MN&;97,UO-^]F\Z':YN"Q4'0TG$D@(1H>N=6V7"E*9F*=[;TRG6QO!,OIH$MYNG!2W$$Q.4170=Z@$:&+1=Y@'^!RL3W70*(SL<'TJN#/3U?<*:/O;?Z$< MSS#?^;JM_(Z6ANE(:1C=D+`FJ!2#=YH1CT:DL(H04<4./R./8(1'/CG'`PF@ M7"*6>TE4RR.J;/B%Q&GLI@&4)%XY3!\C(PX,HZ[H, M/R./1DT)E=P08;1CRD:;+)KDS:I/;HM9)P4@A*2OX#W)LQ5_82.':P5$"9=%): M24S4/A(A`BNF54A3Y:24:*%>I%P\[UJ=M*>NXCNW5] M"R1@EFCR&`.@5P*O2F!'4(>J*[V<173J^E/AG9&PD0D(L$9JT$P%+X-(>&*^ ME,0319-17UC(%T+82",0QED8AS-K!#%!%C.50%9Y66ZOW1'X%)C?CMCG M=(R@DHI$IB09IC-*HE`5,P]4#SO&GY]SHQ4!HXQP:"RH(\2H:%TL%8'I%B\DS1^ZYOH;AE`5I%0F>.6-*RH/.V51J]NMP;LQ`,6ZXAVT/ MJC,8VA#B"^>8AU@Y_U]-\D9K"4E8Y[GT0!(+":A+O&BN$<-US#-Q;KW:;-XT M7T)S/5M>;MXW%\W\6KDX^IAFNKK,T^0ZCQO`"H:$H45.GG,.",'GBH!R5F+T:NQ@B8?DU#)M=.1 MW`T1+>4DHD?IO.WY%EO5>=^=NYK:_4MR:S@FI"Z!<`$/5(8RTL[R`,*0^3D> MT5FH&.NB(9A%..(@*9:8#9&P$OZ`E;8RHKS3P/S,E(Q84J]MHA0U2Z6H'?,& M0A$V)F+=?_K-J;B?XILJ5I0(;[36B09O./X?>4L&A#38-S(!TGGH&!$L&1WG M$03E/DJ%R8-6[>`0RE6E'C!1KLY)REB[>91.NJB43#Q%8,"%;DGA<3`3.HF. M/ZYO9GE0T"XOWZR6[YKUU6I]/5]^^GBYKGNR!\Y!=LN=G+"DB-8(GWD-:(S; M$I,BHJ?$U*TPC:%Y`NX>ILL]=5:9S>!52`%YKU)I>A`IM+;JT6`N;)>@Q>DVI MJ-&/8CH3&<^9+Z(@.B,\'F<*6@:I+2UVP205!FC&6")!JKF,5`V20G M"8J*HD5:@B2#%_`_,D]&KVFB8#3%F+APC%L7I2_Z;\#5?O`[:M"A\I+3C$FC M@6%@Q:.D&):453%(2*C*(U)0\_W(>-8&68)&4AG`4_;<4(('#H4S#J//%R'T MSUP2XGDT)P!S:!R=`,<4*<&?I<"K2]V?@2>CAD!8(IGR5%D%1O-$31GVLRK4 M%]U/UJ`_Y_^YFU_>%X&N\]SKP>5G^3DT_A=\&-P:1HP3P2KOF2<8TU.I0QE- MVC8S[^/?[6GL]`N-(NJ`1SK?-SX6I(10[G*]G_\VK/_(K->OY!9+QX79U\>^/*]?\OIXATLO\ M>-T?RSQ$,O^\G7IX3`%1?\%?P\O:O`6P.H''V)$;S2R"+WF4-:8;9Y35C[03 M0$['UZ%M=;E=,I.Y@">U:?YSAU^V^!J:J]G=X@@/TJ4#,UE+-8:1WJ#\1"M< M+%6T1'@]?=02,`:BB_>^_/D!%6)^@5'R;B--SDXJM`\;8?-GO]5B'4EL(L)J MT([:!#S/*IJ\,N1B=7T]OZU[%\;R&Q?1'\40/*9I8"B-[>6JR`E/=3Y"B9X#>H1@ M.L2#\\B:<$[$_"_MU@FME\QE-_ MN%A8K+[@IZ=U3%C'K<7D-QHGM8$$B=)VRZ0P51AY=`9B"P: M-N>\CJ`S\88K46A!C:W$!!A3\NFTO-LN1YY?O+O?]/PP*?>AN;U=;!MA/!K\ M3[5+'*G,Y39I$WR4)`@PD0GMVE8,(DAU4TR[!8FC49V#D)'2G`M,!IN5UA/D MN#8V%]C)7J[T7)2)3"2*#.$LRIA#$&P2M68BO"`09[^4ZBX<2]B@7SP\!#[5Y:)H*9H_0L$4J) M@J#B;A&OKFO+4S%N+Z/>7KW^>YLR[#M2=`S-QW]F2PJO$?(_4Y<(8RSC\>0- M`/GT`2E#*7)"7@@'"+!J349@5^NF^W)[`G@2]5 MY[=EO=7V6?BI3/=$1R]REZBBGJ+/M[;T.Q#A;-_H/GW,]`$DIT,^S.J06)[R MT"@KBA&)CH>6J=4D0S)]D.$TR*NK65ZIC2?R!4_DKCV1!9[(->K&[58WKFN5 M'A_A2"(FA,*Y2P!L_$Z<"9+GV1Q(&\]"=``';?X=8M< MM+B9K;/RC`7&>[@)EUP8R_`H8D@6>+N'-G'%>EY^^%A_\;['!T?85^Z M.X^#]9Y!U(XG[ZP,,A7/+ZF+K@\U^8V8!^!'(1H@8)7__=$&D5,H,!@7&.-U M@L"40;%PNLR40P1A>RF@K(^"04@=$JX\_M*LM_8(C^KKQ_7=YO:/MU^6/6U@ M=6[1!2X5YY[;%%)P!E-]SW=QK)&T#SC]K8UG#@'IP+UIEGXQFU]O7/-IOD0E M=;/%Y.Q4!\VE4QZ2)RP%H7/UOFQ=0=#UM;[J)*>#&$Z!>7"[`%HW[X2)+B$[ M!=.R?6_"8E):)YY[VWR/@7G[3[,.S-\F M[U/'8Q"&RJWZ`2PJLK?6MR6JV\3#QB"N\`SS1*W;9-HGFLUO%0I.RQV7P&_,^IZ9&Y_-0+-5*@ M,&L:31M\X1'[P2ZY'Y$78YHNI$Q)^"03ADH6[5Z0+2\4U"]%_03B,:;J26DM M(&`F05F0WH%(NWUH/)1S;S!Y]\=/1W>XZ,VDYD(FB4JF&`^2D1*Q4>)TI6BJ*UJC`+=[ M&]\TMW_D6Z_F]]5L\7'UH;E]>W7U#M/2^6WN3GA<<1A_3TSN,!W&,83UX_RZ>8BHCX"ZM]N38,2`YI=*R3#^3%;M>OFCZGVR+6>1 M`U@[.$Z'>G]=[IMU?JXU]]ELWEZ5=&%K4K;_;A&Y*>O^\_Q&;4NZ=*:\NT$+ M:BTE,5'GV\>9)-5F3T-W1R*@?9KN^]%)Z10Z(XU:1AOS:"`JL7.VW2\?DC:N METYFJ/GN=`*;0J?PA`>J&472C"$8$\IB<0.AT$\G489_=SJY75Z^_=RLCZ>5 MJ;P9B!I*:42Y=82V0XM@'.N[.2&GZ>CV"XZM4.P]^V0]2+`F/]^!)IMJ&TIO M!S@GAXI1CR'N_?R)Z`X]2F6%1QY:@#Q"ERORNWJ%8;UEX.GH\BSHHP?J_"H_ M@'&WVNQ?]KS+WV#@K8LV7GH]^[_5^N/7FWLI^OL6I>9^=W(GKNG&5Z7WQ,TN M_MU<[KZH%JV]`-PZ%AG7C%E(0BBJ7&D>%41#_UN$K+UO.9GTE\:]__FPF_"U M#S2:V?@X\[&L9T9D\RG$?S*FE4 M"0,"IY32+47:R_XY3&W$*$4[.'W@A\8WIT#')"%7<(G1F$X:0H0R[76Y2;S? M7E)20Q\"TP?\[56^<VZ6] MGSX=6ZL$#T_V;-ZLT'=M[T]1;1Y6`BT_W4^*YX-T7W>_S]]TY]Q>WRW0^55G?K="P# M+)="J81.W`01/56!%[]D50C]=T]@7B`#RC?)2_[Q!\_O7^,Z3#T0%I33WL7< M3(;D>ULNL)R.=.`=7/5#4)\G->,F+]%ZAW[Y:K688^KY*7N7PSPQD2X'.24)J]_U2X7I?ZSZOHQ+?T5$YA6Y94A6M%""D_2?,XI7XY MQ$]W5$8*P5`>@0?F*76"^]+@Z0.S_<$@R!?(@),<58S)A)P/)K3(@H107GH4 M+@GH+^?1.IQ\B=2?ZJ@L1+`LE]2$)BP11E.Q57DE5;]*L)>H$BK);SARJ9:[;%^ONM5:4&\W%U2JW*HG-%%QMT_B6D0$"V2WBD=4/I(>]3 MZ.,1GIW"`_4NM,A$&T=IS$]9:ZZB::LZ$?\PT)4G^Z3SJ13N=?N<=F#>"`\6 MO,`DV44JE2D+X`7C%@94C7#>0\X`G*=A/W040>L@:#")$9_G,J4NO@,U2/6G M>$_'?OF$9\6AWZ")_,GJT M3Q?SF]GB9O9U.WJY?EAON%JN;IKEQ;8__U":,7^ M5ZQ[=7`,HCT"/N=8;#&[V$Z4'5PC$+9C6>Q0-R2+UFJ@H-!P.DQ=K/2%\3)K M=C4]MC?T-(;F>-S=RR[ZX59MEPT>0 M=`K"TPC\<[:YA5,H5($QC0%5@!2]DLZ1=LA22A$'\DPX@<(=Q.-)W+Z/WEQV MOTU%'_P%!^@#T)0")UHXG:+A7K=I9%[W-A"7'$M?#[X=<9U[GVM,=++I\*M- MM99C["5+AEXOEZ$8YWG](6D?#":^WMY("0/9:?09P#`=Y*$N0T:E-003,A&4 MB3Y1H,5CVPCU2D-*.16G@2QW4W>;[I74G\UFLOHO$\MGWV(*N/S4K"?O!:46, M_3]YU]K=XCZM[GO92)RC0;?DOGPJM^JL1MD[ M;=9B+R![B!?7_2/]\)<'CS-ZH0/%-MERL"&42JF^N8"(T/`.6LG90>N[%^^X MNNT;1V`HK(T$XPSM3#Z4]'5=OTF')@N@0U MBT;F'Q?=Y3_^J_LTF29ZR/77M?3L._J2V768?_YU,OLZ=(,J,!YSM;"$]04KAM^-$W4 M<34)UL7"+J6UHX@5*>9V-3`G_VJ:'625H&FO)ALPZ([2_L>;ZZOKR8P^^)3G MBP+U'IHX$Z"T$R$IE1F""E;9>L1#KG"M[/36]=&&N.KZQLIU#%4&(M.L"50( MP70A@L[9J,3[3N@^L[;3\PNJ,A1W0BK]ST%P&AV3"]][SQ)=(-_3J_+VZNJF MNUA.R285OI_6DAP2!`@,G.'2IH)3:R(3%5NC7NKY%??(OBK(;G'O6!E7-'37 MCE9KV673K"41$DNFPMT!`4A:KSD)AT%#="Q`[Y`";UWK@/T'I#N>6GN9Q\O- MH&Q*%5I)!81H1,T[1>%MFS-X)3KMV_"1_M.TXK,24;&48I:VSX-D;'N=/I%. M6SJ-O)MC=81 MK]W"X5&#+WR\*48'7K)<]T!KK-A^"X=Q:Y];C?V7I@P'SY"\`+.)$"'!_U3/ M5Q/2)K]+#7.H&F.8E;8M\M6C``S)\*"M%Y)<,`^EN4,EF"GTA`TQ@E@]"AAD M5!HKXN::714Q6]H&3&%CX1"DS5KA??\&:",.B0\3\?[FRV;[HU\67==F[`?! M892T$;.<&4-"%HI"MLK-%QGAJ-;',+YRKW*,/(^7_FC7Z=9S`DS;Z*.'K(`P M%4NZ'L8@Y\XUN-A:K5^IYL,7[-;/DY60@IPQ8U$LV19H1*OF$F,SZ-J8USKF MPU?NUC$T8:^8@RD]""CN(:UB3Y5$*Z"=[LJ^4L7'W<%;)^)@HG`P9N:#)A\E M8+E]W2I?$J+;>LLL4\9C@^?,*C?6/@4VF<@>ENJ/TA/008,N9!ISJ4Q-]0L;0A,L4"C! M-PV[*?YE[/R(5M'[$BM6VG39>(Q MJ9(19WI)J.?KR::3]+HY&%*X2@AVN$X+"O<^=HNK?W;7OW7=;+KDG"%XMGS! M'T@\:AT#GA-!QL*;CPI9+?-&VN_9UBOE58/]@MQ+_/-D<5F*;]_.NMN=Y]9[ M_,_LX\WLHKN@I;SD)LDW2X@9#J2Q9WQYY)H#)V]'T)XCKYD["EG93MZ4@Z5[ M(@5[AWK_K2M?2INH_UK[*7Q84KO_^''%&]^&`I.6Y?".E6AH9PD:#7EFBGE0 M+R\`]*36RC"]DR?\'(UXT0$;ZDSM@2DE8J9]`UAV7B!6'V`0=O8<.5-S#5$; M":!()=-.P`)ML-%X%2MTE-RWM.YG;BXYU.5$*:!`*9B8,&5.Z*,B;>E3;H\F MS]QF>2XS3T9HZ*_[6P^=ZY6&\J:H3)9"PTV M:J,3X0"H-#F((C<9E/,V%Q^**32+@H?`,'`A0RHL^J9'>?3KCV6NO_Y&W_]U M/AO*5)4475[6)UNF;.3+#HAW5H.XN\G\4:VV^@UY[>=O2]&_=%N(#.^/7U\T M\G=".>8P!J2U&IV.PM4C7J8("C1YSO7^UP\WPE$-N`\8$FZQWBDA@DU8+G8A MU"#=>]NF35Z=9B\Z+Y2.R)*U2(Z(@E"!NG='+FR!.&=IO1%0$%-$8Y.E2!U= M<-91V-ZO']O6BYZ=@8;`'T2O6&$\`C@W`PT#M8B\,`Z3%P*]Y`7)?;_UX/W9^^NQ MT`P,.6V41DB/T0:(A3_E+EV27-N7_KGL=,N-NOSIUPK*&'">O(E,`HN9([VL MM<.,\1:ZR(>&WALV.*X!-T'9:F=2`"DIW(&0E/6&W(OMV5JX28_S+D^MU(M. M"0J?LXM9T>]*"Q\+-JNKB4?9>)U7-R6>"8\Q(+LHQ;UCY*0MR[8O4T0+[%%P MXT1,-(3(C#-96PR.XD0*A31`7P>%>DMU%YSE1!J"9:6#D8+LCO-2!R4366XF=IJ2&`ANAU5,%ID00X MG@)"+;&P$61[1^,LK302I44N@&L1;#:E[WO*3MX7"@HU(JU_^I8:ZA?%M-(> M7+F0$1SM>8'UB<<<35.R"< M]SLUH^!O!XAX?AWV'>L1+M8I:&6""<7NS&A?,\')NC8NDR\T$"^-&"VW,5.L M[YG`!-I'E'W*7,K8%-N?JH%&@$*OF2KU3@9-R"E*G>M]%IKTLB6T>:FU^WP8 M4",'Q1!=%IK)$$QI;%WOP@36-N!DZL0M,HCW4)(G057WV M&1&+2R89CUYP)KWDZ$NCXCK3!7,MI8"$TS3$8,-W9RQ3:*T`(Z,TR*#WA1)C M1O$BQ,9W",L&,T^OTA!C`FY! M\4(`C(H1'.$^>R^JHT`O?1-%:6OU21IC*,[.`#J54^Z0E`2*H[+OZT95-`T> M*W11)VF(D>&U55BXEST7A2H^)=C!$\?7:(C!8)KV2XH2-:G,I1*E>R3K_:8-T,2,Y%!.<@,9 M&T,;%-EY3AC+T$XI,O=]\QN>HVH9M9[$'F]G7^;3+^6`XV^7U[_\]&OGKJZZ MA]U#[@--)&801#4T[]*,XL M+&2\/Q\P:0MGY>A(^V1L-R(*U]JK('3.]+](#DP0/46T`&Q.C\=AM5.RT%!X M'D*DB*+0U"0>>;).R%I(IF2$+?4:98,^-RL-QNZ(VH3DM3">@A/CL:>DHK!> M-R"&`GP+8PBF"*79O;16,7"5"TGI8)JPA3,-XV#.*5EJ*.I7 M*?/(-"K@'A(D8W2M?'9>M]D!$-R,B^Y.R4HC(0&%-V@('7I"C&"<%%J%&B=H MR5O2<@EF7,1S4L8:2KV1_Q9)Y8`^^,R!)E4]E\@Y86LE9OG93:D1]`/>2N4) M2D*,/)CH?-_W!+=M=YR#/37!7O^R&CL[+-YG*NC^/+ MM[`GKW9*?4BGV61*BB5ZVI#(Q2H(/M82`$$[THYNK:#%G18#HAPN\YX.LYIS MP;V-AD>O)%KI65^AQ@CU[I!9'4/F=_.KZ[_,+_H9M(OM\[E[UZ_:![BCC1*\ M2Q206&XLQ6!WOBYE9#O(NLF0N^VSJ?;KL='8]O:K!K*0=8I:L*25*A3FK+(% MRIAAC4)UQ4#8+]TG-Y!Z^4F47%*2\(XK/#3,,/(2E?HA>O3;B>N!GZ:-#IE$ MD&4*D`K/JK4QLT*76%=9"FE'CV[#U7D8Z'TWF::KZZ4@B^N/\^GE_*?N4]FS M]IM->$R*3"88`X&T^J2LF9FD,>]P3HA'FU>+[K7[;PXF@??:9&^Q^":;JGM* M0)-MNXF4@CTF6M?ZU5CHD(67@8&EJ2),ML@9-\S4,Z&$2JI#O/<1S?,*?#>X MH)W5F7"QU]J(K"RK%I(ZP2&^^Y5:Z*`))!5#1<['IJ!]]!2]5_+F5";5(9[[ M9,QSJ-\F2W$*+$%$%XP4,63?SRG:`P_RVUN,=M%=_LF1-!=%HCR=?-I):;U2 M2T*QG*>9'H4@4)`#=SWWLZ<1_?:[CZ1-]Y__T7QW_\1PLRC\]?GRZL-D6KH3 MI-E%W-;MNWDX:I3*&*,/%&P.WC=SVHER3./]Q\ M[O_%NVYQ.;_(]-[NWLLK1Z+:,2ZP7`DG&Y@46-]&NM16?/M=_ONM%#L?LD., M(NA((0+WT@92//'2[R]S;6HVRI$XL:0T06T3HW]((\2M@*.'1(``FIXL!H=& M:AX*]:WL:EDW6/=)L"GZ[T-X3I%]C-M-2/S22CO0K#@ MK8Z6IDP=/@F,T_#]O;M:DVGK@S:DR9?3;A%H4GV:+T:,I;$N0."%CU=F[@EN M];>$R<]P_NUW/\QG;R8?/G3TM:6EUC?+!ZR*M?;$#6G>W?QS>ODA3^>3;6D7 MOFL,)>,),PK)60@@P4==3WE,SK&I>1<"-8B2==GZZ`VAWG>?+J]H)LZN?YA\ M'K'.4A`AE+:B"-;HP$B"OBNA0>N__2ZX]S^G]]]X]T/X\?V[;][^$%8E67_> MAC`_SZ>TY4X6MV8<,6V,HO!``])^1_NB*=4F]20U.:^7([;Z](T';#S^;]UT M^OUL_MOLIVYR-9]U%\N^C[L;9ZX4X#JN6;8RA"BLHS&RM0LNB`!B4XP=#UJ* MK)$DTY M[VCFT5V*^2$"/5Z#O;;SS?2V9^&O"Y)H&:?2ZVE77M#8N<_%Z__?\OUWB_FOW8)\ MW)2<"GU6;CK_NO5.][[!,8QTRP`8N)*R4-?V5+PQ>K'EAK%JE3R*V,]CB[VC M+<&4QCHA)"?`.1/R78J-UENRS6@3B@/^K+98KMW2]FK1_=+-KBZ_=+']N2U0,$(2@X0%2$Q M0PNYWN$&BK*;.@)@*'<9YE@Z/+N-]F\R6F`T2+NP)U1$&%'5G3#8E!MZHS>R MW&L\-POM;>7I="`'HP*XLI59"3UL)OC67D9Y`ZS=QEZ#A6+W\9)"%]_-Z`5A M./IXN;"7/U-RPPM:ZHMN"?!H75\=NN8(C#CGDJ`PF$",R$;?KSDFV_[*;]3= M#85GTN=%;;=O+>JD,:B`6*IY6+FSUI\Q0[*MLWK=)CMT^@B70"GD"(F\DC&& M&]>[;-^6?BD4A\R>)U%M;^-$46[XELZGFGM!8-G6=+PRWKKFBL;!GO9)--OG M(4-46I3&QDXX&JX`IK+?JX@'-+54BGFF M$26F`#Q(FG]USODL4J.!6M*1K6FP78J#)-UK:TFN%2)@]$'RR$)A^+Y+7@K` MYAJ#4G)S%HV2],MD]J&[RHOYY]Q==(O)],_+,9C,_&3V[^'VXFMN+9"(:"G. MX"F67K*H:D;<$1AICQXCQ.]GWFID6;A*``DMRQ95)R=]_8`=$WEPM0 M/4[VZ71>>A-?+--VMTTO:2G0.EB&W7?]7'>U_NU/0GZ;+"[6S\;^,IE-/BW] M.F&X^:?9<@84%S]4#LBDN.+@2L49D(^O_9 MN[K>N&XD^XL,D"P6/QY913(9P$X&LYD=S--`F[1M[1K2H"5GD'^_1=F\LL2. M^O:G6BV_!(XM=9.'9/%4L>H4#D3?^&>"8&S%^D"5R\K&HRJTTBN=-"=7;#?5 M$+-9U8WMN>9PB&6T%4*.5*6-*LE=/'M M0GZQ7LPAL!ME)M_$<#Y8S7AY,8G[EWSK,ER$B\@E MV_5=0]8\\FL3PFB]7R)B<[-6'BEV.]`L>R8H,204H:;NCK1^E*-EB.V]]+:"F+9?\P'O?M`ZRYX7AUT5"@.P&\9(W M>O0GC@75"A[ZH'(:=>5(1<:7L_$Z5-=?V$KR;@SG:!.>S\SL/=ERPRN_@G!3 M3PYB316JU6%2=&(PXUOVN<"TQ6U?R(9,ZL@EW3->]L^1 MHOKPLL]%$XHO7ZHME#0%T[D1AUI'BP+F^8CWZ62L/MQQUF#)I%5D"J&B9[PO M-3!C:."LT-OLFK>%5;09DC@J3K8>8^E6/RN7SM&.;7'-1VS/R3YB2V`,I%S% M*3O%RT_LD5C+J[^6!L%LD9&DL"(?Z-3"<;T MQ"HGP`_DPWEEXY;C?C(\'GW!8!U2$VEDFSB:::&-'L/CG(`6;'8(NK/4N.O%Y?*_+SY]7N3+FU\_K59[>FI3>!DP!==M%(U3.GIQ0PF)D1O5D&Z8AS;CW8">?IY^F/ZXX^7B^7%\M>/?[Q= M_+[X]&!-II_YR]6_/]_>W/V`7M>]5GM[EQSO`A=@S$A?-[<#KFJ5%/\+F?EZ M4>C:R@"@&&@%`>`0I\<]E4;J%Z)]G,=UV@"LDQ%*H'.!#"9:*Q8X"0\R#*G82:ZX*FAPU M!W%ZJ^H($.&J]I0O9.;K#JK/+BA73*J%"\H6J+G<[U.[HIV4UBN)P\DBL.ZD M.E4,B^.5P7HNV8J)GDZJ5J/?97#5];EV^H]2XEHGVV_2XKYDI+8GK)M;NKBY MW(R\I"SN=!&B(C=MO'OD[A76*!?0"O4D90P\'A8Q*>1N)_,MG-^BB.Y5`JR MMI@BF:"@=9CH"<]*2.F*B]+IPX_WH`M4JU*Z1O35M)[`0OEC?_DM-?+`^1\3 M_H-,^(BW38QB0G429R,9YS7G!)-HO@EQL#@O:>YKY8RC9VTBI)!5@=KRU#HQ MA&K+D%*[@AB>.@1K>S!Y;"U!G9#B%G5)Q#TLZB!%,Y"-Y]K^[Q87[1IK8;<[ MD_]@XN7F5N;6@A?3;ZRX`M=9:IFM<^+VDS>JEJ2P]W1S%M68K'@LX][B M?Z^7+7QT\_/[=B%^K0^Y_>.;F_'!;GB8%?=.+LT/%Q\6?+W\]_7R+BV%%W*/ MWI6_?RD$^Y]/EQ_N_N&F_OCV':_;.7)56>U;Q_3*;*C)N$Y/<\X,AD-KC.[T M\?KIXDL69\=+KIGKKV4[3^#UT[NT[NFWB6)9RC;GJ*NKK7W3]/2+9D5K+PNG MO+U^N/Y]L;RZ*Y[8!K$?UB.FQ&%W$6J$EMGMG,F]V[R0WLJ#=4;W.$WRI`#K M\-#%K_^W^.W^A]9Y!&*<.0<@V3Q,MN:0>@Y40#,6>QK_I5G)2X/A+D%]G>J^ MIM:TR1)B`@ZN>.B!91]Y%/H]ZF6U*1!?-?^^]6S6T170197D:B"ZL[A^ZKX0 M4(4A@A?QI"W(W__KWH:D#XNK7^4'-L+#)[(AI!J@9J.@ZFK"M!UH[`O8D@@/ MO2.>E-1WB62<31W%!8:<.?5K=^'[3PAOAT"8-#^Q?&64350C.4.9,B4+N M;RI%JS`V1/!'F/`1_2OE=/!:9XX*Q:$FI5W7M`4=\[#H+VGNZ_PKXQQKE8TN MWD,VA8J>)(%P1?[NJGC>J6.P-@`D/J,%L)$M@F_%K?W0.VO%R3B5_7]X!RL% MI\3/ODM]K%9\;;!JBBXE&O(ACF;^3M7#"E8\\]CJ,=#Z4C')#=?5)FH=7U.U MPG#,TW-B'E95'JK2GMBGH$AVCIMD=>7>7='I-#R.GI\47(?WL(1W!'+>LJ=B MV:6DID8'XG+9`3'$Q^5+)P78EAY6:VF8-+N:6P*MSWE2TI6_IS';0C!X+`GT M(F"8XV&E)J[EG;8A%[$F`)RFECR6<7B\.>IM=7@/RUI$$H^B!#D./@0#O=.X M+4G^/)@0X7"'CFGM@L#.+I8&EY4"KQ7E&I,SQG99/U(Q#4$^]&'?+U@/GOLV MRT-C#\5'<9DSU9!SBXMT?[GH.(1.HC4`,P?_8%3[FLGI,A'CO.?6TB]79TKD MDLP4>7!Q5(4R=\?BY2)Y*(ZB5;50"'(LXA0R635%\WR,9D6&0XAS3>QI`7EX M]I)+Z[&H*R7."%D,%4_A'V',`SW&Z.<^WIT6E%ORFH!6O*J*AG03$.%:U"28 MF36,\F51^;GNP\L`:`[C(1=\:/0WJAPIY1Q"ES`(GD89C=DQY=.":',NI-!! M5L`A1*+8!,QHVCX*5YFJ0:/CA6"S>R#:H!>J;$C.6$N@*#2]5`6F46$*4>/< MP,;^H7I26K0U9/+>53$:(>87.E7^94&[)F4K)J?7)PV(*:-0F]K[N#G-(HZ"1 M-_A\I/*YHD0Z`K$#*WS)!Y.(M2N]FZ6BL99F=I3HM"#:G#.!KR@>G7*88L`L M4$PO],(;Z_C"Z_!QJ<4+P69GSF03&.&7)1%62!YTG.1,P5H]1I:"?:PAO%>H M^./%U8?%7ZY^6MS^_6JYN/C4?O_'ZT^MN<,/%Y=7K49RCGX1?AN`HI89%[%8 M[3$42(ZG1@H11FMKPVP&/6>XAYSY&CDQD(W?ZG>2+[E&AU;F/[60*&X,&,WW M'8X\\Y72G3.TJY+XW1FL-@`HGG#8K(-K0?) MW4/R%PO22D>OK^1_'UJ0&>*D:XMEJ"#X4(3,&)N2+@"=S(AU&>*[KP_BU9JD MZ\HE4\P<5'$@P(H'R-2K!2VKBD\6BIXWGM\T`%I'!*HQBK':2DF.NQ=7VD\, MJ3Q=PW?>&/YT?=4^9WG]Z9-\1^\^O3;S$:%F8531J*`K0>V%&K(EQ=U[O7#^ M=;EXOU@NA<'/V)6^!)<)G)QMI!2T@S!Y?S6YX77W]<#XM\7M19-P+Q?+*_F2 MM4G9SK$O7%+.*KK`-4RJKY9K'=Z)7P^0ORSO\LC^F+,=+4+A&BD[Y&AK\331 M8_G^48#Q1:*X1N\LBXO06N=%+3>NL9RI3'VNA34.&(`W3!ZKP[AN23QVV9\PK>]^#7>@Y&;0VAX$P'_>B%3Q',Z MNOODB-]"F#DKU_H`)X)@&,1'GN3!J@]/RH.=-X1;4L1\%VK(VCGQ_A*2[^6( M!"OJI%X/G!M11(X-XPS**+^MO;!Z$PJY%#! M))>BV,D>G*A%MNKK!7(3BEBB84.J>@[:QU(*FMJW(P=[.D1;@+F\^GS]^>;^ M$]O'_/7ZYNYRU>:=_,3'FY^7;Z_ENY?IPX?EXH.@]45Z;]/@8@W:>FM*54:Y M0J"JFH1R=!QED=^T*.1<4K/;5)X5L&,_%VJMO6KRL1"CT$JEC.LE+6B%R*]H MT30_`OD:UV'S)[<@[+ZETZ2F'II\57PO[F9QK`G^COW!GO2*4=6XQ);EPO.V M9(9)NJWF41'BC1Y4@\]L1=8X_RFQ#RQTE;G4XJOXJ.G>BQH+F,5\Q-<`V+'- M."K2WE.-%!.E6%3NS=PM1QBK7MZ8Q]K@WY=A-RO>\B9)%TMB*)R!TCC?%.!' M7F$Z'C>O^;X">[7EK#$XC`B5$`&;#'POIA2K#N."N-G)BZ>Q(%/]\F8*>0I] M23Z)'89B(^MH8%(G-6/%Y":*8;-'?`P$CFV"8R#Y7FL5NM;9JQBON[1+#':4 M"C#>Q=<%[.9&U57A$!Y,C-XZY[7!R3NQKN*P63?0BSD/2'>VDI0HNA)2KBJ@ M`@^DNCFPC&4L0=I`@>9T('ZJ8"#&&BPPZ1@)0D5E@2;JY.+@?K5C_?+.[3-D M(ELQ?')Z?4JE-(%KS,E.%[`R0_S0&#.[4O`\@-W<(,K-+9=&U159D>?D<0IN M9SFPPZN5<,S7M5=WS^JMCDW5R1N-46Z<0G:BC>34D#\/$>SLU]8C0_QV<7/S MR\>+B8_N&+,5*UDB"I.FI*S\%R#TT@(H,8T)H<8^[HUQJ*D\*V#'-JR&A,$C M6LP%/3NDTC4>'+`LT(K65OLR`F>Y#)N;80Z$RKF6L4O1)[GDS"2[7,*8/?7& MNGV1IK-<@9VMM@*09;!W53U:0S34N8:S+10V1E_$@3CK%5D3N(44"X.K)65= M&`4IVW5BN&0:HR.SA:9>,EQ'CQD8N3A]0E^P]L3`6Q!F&B MV:T[RR@[%_<633I)I(X>*S$6J\^&3'1!J^)UU[`1/X?'"MOOR._CV4ZL0TEB M?4T*2NX_-E/F,&!P<9]N=\GB=31U>6LHE!U)$=(59`5CZ8O@!>+<PEL!"KGO`6F4SF.H]YGZ<%_2[)\U%3<%10+DO.0&8R),92E4-04!SI_MV M.DO1)OONXK9C\_Y6/N+R]\4O'Y?7GS]\_&5Q]<_%Q7('#=YH3`A.ZYA)B'7, MX/74][+"F+9IO-=S0W5;C'VOJ&QW<5D-'CBQ@RW[L0F$\Q+D1 MLPW'O3T:/U_U#VV?O^,>*1"-8TC>L!@O<+)/NDZS!]D^H]"D#3OLD75CWRLJ MV^V1RHJM=B5RMD6A)=LU2061,+I!#9&Y;M"&X]X>C=V-AS69='@[,*-N0/>??[;;8$K&\\9 M[%;S_L?E[%O2I.MU5;EQ*HV@?XNQ6-W/'N_OT MMUMVX0P^M+*<2CDTA3/E>T\5.0)U7/:]3'W35?]A*33D;U\I25,9&!,)X.FD M(R7;&-$1F8Q"8XMQM1]M6SB.#1EFOQJ-8]O?I-8I&5BO`XHWJI(K)B4K-WR? ME%8TD$'4<]?ND)-:DQZF"3`20$JJZM*:$H8PK52&L4KLJ%/ZDS26-;O/QL`8 MM5PI-2'KMCK30IFD!]]U\PEME#0R9T9KMEY.XG2W)]B8CFX-' M.-<=/.RDUFP]A-"D4L2!,!A!Z^(=]TD1CF4CQYC1O2NVE8D0HIM0FY!4L2#G MWY$V$Z7Q9>"Z\Z?T:&#[G]/)-BNYCR,O`]5!\K%9+@4+4WON08W(U=67MPM$,];:S!1)/ M'-;#R_D4>]%:]O%R@5XR!3.38&=S'"T8ZCHE0 MI$%2GOC?WVI*?42RR;-PD>D)$D2AI>BKZN[:%\Z(MJQ="BZ$J4(!0VL(;IRQ MIR;]-@!7-$@U>4,RJ-BMP+I5ZB MV9(FYDY;07/C_#JEI8-R0J.E1EH3HC2D-!R?DT(D#-\W6ZUMGRCK(*342)4O.:4;:=4#Q[+\U/R:XA]YKR6N7S/ M$0[,1@J:MT+1:GD1R^.VN'7*]$4;&`.E3224>!NU*7.&4);5$Q)&3+FY:4Z= MWQ\K-;6>QNB2-S2!C:^FC-&'IC&;&]$-?1$TRCWJ/!9E,BF`CM9`NUM%AGH" M&*6#-V>_!6$W:Z-IS7D,1%AT?"()25)5Q)%/@MRT:+(@5*F?%) MXD,$XZPN<1[.B*AM-$I&%>?<*ENO;Z-!E($E14P"D^>?H69HJS2HJ+H,6VIO'S[BS28O$?#`)W7I\>&UD%C\E!_3QX*4#-\VI\V-HE$0J M0`>T;?,$/*.,+0D`164MOJ2\>*SI\V*YZHN_Y9^FQ^S;^\GRV__]TGQK9MS/ M)JL5"O/F`05\L[>NK"WT?3__^K1>/?]$GP^.8HHRH25:L4;FZ<+Z=3\PNMM# M7M]@`B_-'[@^?X32-@7CF:1@O31HOA?]E]#J'U0K=1I_7K:;?FSP@2R;![Q_ M+Y_8!_QHJO_VVF?WY9%WK[!B*([7BA,HG(/*-;`Q*(?C$K;A\C M3F\WVGBE MDNBK4'GNB>$3==QQ(13URBEN@VS-"VT].TA+GJ)0T7)1Q!W<]^@?HTSAQ`K* MM->"E,79DNFP4^FU=<>DTJ<@7GVIH-'?^,[3AAW3%F+BZ+GK/,\JB*!T4:J$ M>E:%/:3::^[,O[$?`OM-_(9"ZJ&9HHSZ&H>:719V<8R((FF-,:)LXIMLQM):E M6(5ZA=Q++@]#G<<[7`HRS?>"FCPVU*+0,S*TK1%.)E6UZ0FY%Q4;!ADN"5FC MAP9.HXV8FT]E`+\%N>XO$E(-@(Q&6OY7-M2^H1K+2U+7?K)A;FHB9F^9T:6H M:(VS,%W=SQ:KIV7W]);V^]WW]LM_3IOE9'G_Y?O&M.NU_6C?>JYL,BGB MX_?$QW9G:B#UL/'!9WR`UMOD$.O+''B;E24:ROC0HN@L[/3)`8DI2E`5TR:VQ7(\E/SIG>.(\1P1OJ M28B"&THAV9+*93&2KCK.&^',V\AK9Q0-G"&[P#'ET8AO8T;"U--<;O:%75]< M9PO14L%#0L8HR%W-;>B#*%*5ZUR751^:Y73Q\'Y^OT3"F]`\__M(:_WEW'[B MHJ$\!FD50S6OF6]G?43\]$"ZFPY@P6%B+L>%G@K6R%**T5LGDJ2.&.=]:<>+ MGHFZ#0:];'TS9%WL<`&M?PTJ)<(,&/P+?.D&DGCIZRD?=1SJ[7G0MRXI>*@ASR:M^&KHN=+3'*2H^"W@2F$^/YR\>@F\[]Z`^2[A4N*$2`B;08,OR=-1S+3<2"/R#D(..GKB3"DX!0AM`I]FB\EZFPBVK5T`=:!EWCFIO>$J+T-ITQ*PWRM3?MDF M:T5WZ>C!=QX]]=W9)B)/KD+@,9DHB46/E85R$"BM]N.*/Y((.$Z$291EV1`= MVKR6)4/+A!I)40K"U8G8_.'*/JV_+)8Y4=QW`F3[!%`%TQ``G1F\32ABP);' M&U"I;3_>U>;7O`CQZC4YBG: M7@BTSJWGD%.(Y5KC%X>XS*5!K2^O`[7C0@1+A!-"*:X)GC\7VA=U'HC:\1^V MH&K"#[^_X5#OGM:K]63^@,+_0$*7?PK'$!-4[\3Q)%$"&IMO)6>0>P>C=`)Q%BUH(GK4)CRY9A-0. M"3*LBI](>DRV[<,X&6ZGK6K1BD(U;J.C!(_;:U[>'WISH7*'3H?[==E\:>:K MZ;<&_8/%8_-KL[[[_/OD[[&^N42["6TZ3Y.6-I)HD((RLIO3NN/_'0BH0!\# MPJ+"O(7MGP<,SS]1)_X]-D]CHL]/?I M(SIC7_/<\=6S.KU;_FNQ;#:C8\O"S'%99;3"@[7<,\H<%Y0P'DO["/'Z0&4- M%?N'<"K0T^G]-/W[^7_Q,B[Y)-*E3]1K2XP.(DJF=="E1"OBLZ^2-``2Y.FD M'\-\.A?P?]2\CIUO5N/(9P:IC(GSX$1>.*/RPND7\LUNA=KSI$J\R&>W=\F/[]<;(6]Y]S7TN)ZP* M4PB8:AKR4#^JT!./)1L$R8BZD`HHU?NG>"[BJW.@NF3>?I^LC:9OC]@7*(`56!M1- M/!=ZM4I)4HBZ*D:A8B\DV@WG+.@]]APH"$:*X!U5C#-\F,6O1N7J7-V;O!^! MO"+T'JLN"$`CU"G!J8R)`K5M6S5-M%XA?1[J35C)SA]^6=Q?X,:0B.Q61J+C M;0*3VDO;Q@BX9K/@E3W4Z8&]@ MPEN1T7.3=#`HC(W*T\NLLS$R8PH9"HWL>F.(/).,E^:LE]K[7W*>9JMO=%P6 M`?T:SM$>HCJ0Z"/SK)WR050]EE/A">TVYW:#.1/WQ5)F-M'DDR"Y[B_PE$)J M2]DDM;8^)/YV='8:K)I3&U`[X-\YW9.$+0T%FN#3J58`O"WNBYU/`&YI0"E@ M8S!HV!FB2H^XA>2KW-#9Y_-^OEHOG]H*DT_HH4\>[M"R64ZSM?,1'^.QEK]C M[33,B1#S%CC!!1`7DTME?(`D9FP2\009'OD/-LPSZ$%%!V_X#=. M9QO79%S9?'*Y[O=+_+B"G(^YZ'A`A<:$9"B\3 M0@*\.B]5#I+D*'3=0:KH>9#Q6Y[;FS9M@N/2WQ!DBC&+(N9-@?75!W<9R%N8O)1#L%:("BZRUU(M+( MU-9"Y(Z/#OOS+,A#<&[WX46'CJ,TWJ8H4)Q9#:ZU;@RUE0)BFS*YSLLP!..+ M430**I'6D8#OFWI%6$3;J]072!*DJQ<>\OV%D!U(NA'??6WR`)KYG[E3>%/. M^7FQ_,]D^3!20CA.?*)2$9>8$M2($MD`R0RM"WN`ZL/R;`"RBU'4=**`TP9 MKVO:V7Z;ZJDP>VC-0RS&Y;X,B1!=8`K=^!!Y\J+,KR,\'!@OK'I$_@;"*2B[ MKI.+V5U!*UCB`PE>RAA*X(M%7\=*3)]B&H`2O_#XW]/USF&,YS#/R^4B`64I M:E9B\4&7IY!\=/7V4;K7&SP&V>5(ZEP?JEG4"CTH%PGSULA08LV2R%@O0V:, M])S'.225SUX\Y_$G!.AIA3Q$2;+@-O5#P2J*4&5&O",5T/[Z1[=;+7(N5CLVJ6WS:CKNS]_?()H7]8+KY-.)018%R-/KG!R-^.)9V!`]2U"LTA M(3A+>8<4IZ+53-96\4TJ^RR)J[%D=TQ/L[J;;P]G.3#79]3=\.A#*8NJ+2^H M!<9,X&5ANS?"5#**[K<#G(_WVN1W;C5%W8U6.XM.F9`,=TF52D.?N\L/%#2_ M*?4YE;0)T=C9;/&?R?Q^7"Z0Y70)50&E&M4NH:AKARI(E5SE4[]#9]7TJ-4: MTMDD=)X0L332$#0:7L[(F`?A%.'EP%551PP-H,-QEQ,HV'(=W\_Q*6^*J]_/ M?UW,,PG+Q6S6/-C/G_%;\H#"<6G:W$JM-;(-1'XA>3>'AJ[4/D[ M8R%>G,2^U*`+VF@FT&LUUHN\-;"H3C2J2-=T@"M1MYQ.9F4.V>B:.^>L1V/< M6]0"2LF0(SDOU*"#43]#*BOYV(?I;!IZ3D2:B$K<:2*`YW(\CSJZT,!"O97\ MLNA7JZ?'3=G#ZM^KYL%/9O=/LXV'_O)-KVF&W/296W=SC/[(T*9CR8-C;"BK1"S&J]0Y#@L.SN,A.A?K%H%^.(1\W?;HY!83VXN:3TF`V@#V[$I:+ M*'/$*#MF4J#7+]M!I!("'.+/A5ASG(@?PJ@NG9O'VP($:U!,RRB9%"6#(Y+? MG1CT7\ZE3FWM(@2N$B3.45-+YG6QN&(2Z>"DOMOETJ_-^KEW-S,1X63KI' MBUR4HA[V50I&25&`UY%A,":KSP.J,+WJGI@J0=N`Y!WI?UX-(D;F\`IIPQGQ4 M$%H[GR5?E9A>"O.FP'KZQ]-&+KCO\?'K;/%]+_HYQ.HU!*55H."`24DB2Z7_ M*-OPH@I_<:BR3L.`78BC\J\W\ MKQ)PS9?OP):+6Z"JK[B1HMICGC"C\7!0;^BVMB):Z)S_?T%ZVJDZ=Y^/D#)` M@\<8A+5)V!"]ZGC_&"*N2!$-P7826+DT>A<^;.5.>D,V0'![: MQ49<\'HLWP\BH3,[D:XO)?M+#A.5>?*T0N1\#1_R%7_D_73ZOG' M1AT!T0ZRU012&FES+BR66U,^M&M$MQY:YUB%H@UZ)6TN1P(:*%4!8K](G8;S3G`>Y0# MU6@])443L=I;9X@E1?8P&>O-4K**#E\)=X_X3Y0*F:RG;E,>SH'J5'"C;3C. M"AR!^;`'./:Z!(IL-AQ,+IZFFB=>`KD0B*\S*W6]Q2!8EZ&EYP9Q(YTC42+1 MV5A*>?I,H27HNM6&4EG5CKXA-3WWBGEG.67@B4DB.AV)+=X%4ZKN1+T\'9^: M]7JVF3"XZG9.A[1!07*11WS'P=BD'2-M&8Q@LAZD=Z"P9P2Z2Q+6MVDP+S)` M8IBQFH-W7$/K1>&?C8N[7X:FTPUT"5SJ`#("M=PHF_*/M/8?U`8Z.U`>.@38 M_[-W;)XYK@/Z3>KX?G)_\V4V_[SU^71YL]O!V\W8S9?.CW./!2.*6@07@CF-<4.4=4HJ&0QK%M-^*`HQI"\(X)'V(=Q MI7B;K$*;<_8\E6$WRE*:O1XZM-PJ,C(.NYG,X_<>3,PUD=XY6DO9L28?Q6/@ ME*W%IZ613K6*K]QHK7;KWB_(WQ!0>Q#D=LL^',4]%RQZT4R=H;:^-4S*F0+< M#?E>D+\AN/5@@%CD*A@;"F?H?,.?,>V\Z=Q\704L744*-%S,!GGIN`A.Z=HY M&)U@7>L(+J*$E\JF8J+; M2QP$LZ;UYO>"_`TNJ7!0T'LE,@YT>)HU:`>8RNUJVS[@:K>._H+\#=D^$=&# M8LYXM%*XH%3MY%0"G.Q;PG$6OJYB^P1',O#H2A,JUX8)G1O<%IU5&P?M0DIX M>=N7//=KT#XO>*)PRV-MKE;DXU*K;0,!0.UF_3VQ_4!9YAAV:[P'4;JD[^^N!PX4U)5- MF%FTE(E+89DW7M4W;N38L1X2=.O@FR\_G*J!PEXL@(9)99XS_=.CM[GJ4`#= ML>J"Z9;8CJ!JZ.E$ M-O8PN3?,Y.#(0);R+F?%$&TJ+1QD;W&WFX*CJ!Q:YV),*E6CQ,`FXV.F^U>I M%-[V-N.?D+T-X#HS82(<3S^FI:/;A&!T:"`AP.Y6 MA[9HA4O0RO<6&RD,2$J#=A#*AFP4L6)O,>-%WYH,>PE"17.=UT@0)6K^^68Z MGRQGBZW+_M-T53]WM__S\#A`UK[T6\\N(5B@>"C:+,QZ:UQJ0&-)$](^5G_+ MWG'^DKS6OR3C^6VV>%A]_5YSHWZ&M4"*N5-R+E..9\OD39T*SJ4>U,/P\U>7 M\S&\V[JV]0!`^9IAG+)K,C6JU(Y#LW1&>\OZ3NB43NO*L29PA2"N;+Z]S]Z::/7Q=+$RA)/`-38M/Y0 M*K97_F*G*B/QX4B&UJ. MHK<_'`$-V7'NI?,HRL2<:78#4=+!>O9(]84CI]&[UQ)$%5G2L?BMP+,*2D!S M%33W?4NO>D*2TXB]8%@BI8)<-AU:`U9;[K#V>RH*P>Q>PS<0EER'WV-#$_*< M7NE8!ILE)WVGG*,.VY&=`GVD;3J-Z;[PQ"CC28<0*5EBJNP%HH#00MX_-%PYC=C](4N!WC8<`\A<%E#&6,')E'1<\!B2)3D4U!@GY;N83"[#^R'ABV=]'[Z-+VY;Y8K?9S\6L:L2QO/;/Y` M__(&4G$7P[H[EMGJ?XVZ=%E;Q[+.2C@33$V\/''W/$Q\:C<2S_?;'4[:N3AJ MF[XM^!9%89F.DA,WTF95;'0MY1D!LH,CND#P?#G,]5EJW[.M9Y.H,ND"&76K M**5GE+LUK9,`4G0>$G^^+_&L'/TT)?)OUK6_TD97UT2L)V3N%\OO6S\\\C[* M($OVEW.@A(7NIK(-:+"4G'?/X=,%'F)U%,T7ET'_#4X9;5E?:\A]>VF@0.,W M(.6H.\$;WIX,^J^\<4!I@`0?'1.&W)AI%A7*;/@KE4'X,IE_IA\8"Z`VK!>` M*D`JF5$.)OKL5?.4A8%'URD/L^46STO_5673KR^V;(BG2-%3[!@TE%&'^@YI MDQ/=-H-K_6/(9D"/E&(>RE3;&KY9(FOVP5J'T'5O@*+JD7IT#=FD^:1,5A_G M5@K4F2-?PH-4,0@EH#Y5*_I?W:A![[:>O(XG]5(<]RN%IPQ0:'*D%)*Z0(Z$ MU0Y>,J`A=@5V\$XBOF:.^Z^Z+E.GC$4KG`O*@U:YYKRV(/IT!7[\'>?R15A> M8PL_58G&QNT)G;:DR\;SPBS+,39=5R$"1JMJ@7'.M'=.L:P*L7&OS9M@?2&=3Y`$-W7F*W"AX];%B M1J&DV-9W'_Y6N?O:W&\MIFA^;CK6:@LAK/$&#/.9_LC2==1P3F+KYEP.EB8. M(_9R7/=?=Z%,]B`!P8H`C@<.37.5E&8/\";L^:^NVC#<*2.GXWK9BU%QY*,`\(1Y35&!9);KTFA0X`&A\(JL<>B,3$R M/]TA\NQ,#IAM%62./@0GD MDQ1GU#I!RI:UM[YM)X"'DG4F9@;Z<44@C^N*MSZ[A%4]4[(@&:!R9`RZ!RYT\G4%WP?6R_XO_F=L+`S M(',@51\7/\U6O_QM.OO\I4R#'00EM[6Q5&F?N#%<^\@M[:;D>))[5WT!&B-T%D*I9%F! MUFJZ4J2"UERDY')GC.HL-']..\G=V758O6 M=3F(LK-QU*,`*F00*6HIGTSY3!,W-4U.;1-QZA"QDCY7L8 M2W.@L\8*W4!!&#@F^U#$I7:$[;COCMT"'UGYJY'0W0V%,IR M@9D4)!CSA"8DRWJTV,V=A4//:9"[9F+YV5:?S=3S[8?Y3V53UK+L"5AO^G[X MYV)Y.YM3/G!;%H'W[5Z_,J)+64=KN2JO)AFE4-)!@S^=4WN7TS/YG4D";U&J M0U@*C#F3O%&1/&J,/-+UK!$_4URV39^A4'O+B/P_%NX0D$.FG,FD$+4QT0HT MWM>BBTPB\3Z$O!]`JE>!D4@1HF#<9:5<5!&2R74;KP1L[PP&"G+%CW9_+X]A MP50&`T9PGZ+D%+AB;+`>56B#9;]M,W%EO!Y?UO49@]$PLA4J^=`\.B3OVMBM M_Y'J(9[-M5$Y9C=Q#0/]L$,QUH!53W`__N;*'>3:34@X%=\[%[!R2>'W= M*E.6;?8M`_D!I'H5ST:Q+LK(O1&**%$J\@:*13#0K5KLV_9L+X;.5$#E'3-. M4W)LC4R:U[Y-$K/0;2BAZYJ)9P+XV^S^RU_FBW^6A==EU?&CNFX_VVQ_VSH9 M_+B?ILO5?T_WM4'\XV:R_/:/1\4/7R>KU>S3K*:2)YL*\F'2"0$4`F?T M$8UPS?J6\MA\B*DXKQ1>1-)X>4E+C]&EG)BP+DG(QJ1F,M-;V8=3/=P=^7BE@R[859);ZZ4`419=5``2QU); MD[G8+N*-)?"\W`V\?K&R0EX:7599&RQ(Y!6R!+E4NP`,O_F=VG4&9V#N]XN[ MZ1\7D[F?S']QM]_*O[]RY25Y=O\]+Y9_GTZ6FW*MGWPMGW[XY#XOIX^P[A_H M\MQ/YF3\/H^%B6)>:V.-BHQ9)RF2T[7(C#9$VH53U]>4?HW-)P?HTO-J=!+6"BV2]3HQ1HDF-..$+GB7NZO1',4)$NF@^O)B M:&O-!+FM^V>AA8=P>\ M:6GTMAXP#654WUHMF`\9HVX0I>B>M-Y:%;ZX-'R)[[Y0;OS[/_KUWZ_K$.26 MZN??'W]BK)H$BJV42-$[9USR*6K7#*0KT18%FA&B.)3HBPNA3S44+[NUDK(4 M3RA!VF%X[>R+4K6?==:@JF].`@,PP:'T:$:*.!44_&Y=C8.QEK<:-4>IPZ4E MT#R5M_W1`;JP];0?*-F$)%5B"D`KQUD=X0L!^)XY"=*>H^300_DHW4"`Y=<9G*<5CM=\U1O\YYP MBFG[4G+XK^G\L2BP58E\JIVN&MW[-IE]+46@O\P?5M/;LG%U&%@ M9>>+3#@SSS3_,U]_\X=,I M]Q`PH59@!9>4)N2,W+@JQZ3-GA8_)L\GQQ&,O19Y]MQ+P&QU2(I5DCNKO&AV5ZJ\/0+W MZ$+&1.9'LW"*C$[4T^U:>0)>@(MC!AY-I+RM451/`FJ]1?(Q18TCB+^F7/KR M.9&L8JC1!EY6Z?"LZZR:=`Y4:]O>)NQX,;GXQ7*Y^%?!Y.MX\'_I1N505@T) MY\@C1)E"S,DVC&<]"22!MG5_(WK;G%U!P M*XJU:'PH\II<&UQYC+(0/$]Q16&TY]:X5`PI#24=@:6>V=*\^V[2GNURZGJ]A\ID*(0B8,(LGH MG7X",5T*@"QDARJZ\Z&9-L11B75\[V(KRA M#`]-#U\#[F53$=(R4,,DL6<+44K6!^@F%7M19=OZ]2'O(07X#TG M!ZJ%3L$)(WDMXY*?C2.]Q/GYOD*TZJV0TBM11E(8&@N^.?]L0KL'\K+GW]M) M@DQH#0F5L>NE?E+7$E2R6;0-%,)@0^)II%[30#F&%,]$P)"ER$GD,A*[F;:` M[%L']5;X'C)0)I!Y\I*!8\+:LM&A`DHJ7E+.MWWJ0P:*"8DR"&>5-,XYID4] M=/CN]6]OKU[_T5M^RO7;M[JL]$/-=TG.47(! M9&-7Z(Y]*I;X.IP3G1L]_Y]GJJ"P:<\ M6D`^+]/#FL]CYEBM1&<:5F&R9FJ%D\K[BZT7@>?>_"'W,E:#*M@'R%(H,#MQ MZ!8=KFJ1(AX8],\-@\<,?8B%^^CZ$K-SCDVQDY0LN"AM;^_L4\1S,>$1;!A< M`Y.RU6AG^_#EKWAZ/[://"_3PUJ\T4?LLW**-6(D9YO=G#^SG&*9]H+]JZLW MMRWB\Q"A=GWSQ3[Z[]?OWU_=4L@OEM-O/]=/+_O(H:O7^GM^^?/?^J/__'Y" MP1+](X>('"&3!"K&1DI3/DG5X8`"AN^\;1_TT1\7E'GY3)G'K]OY\]_6+S_^^NEV#MS8$__CX]L.;WU_^^>;MY]L_O[#V`D6N!1GI'_%OGYBE$S^*N;'@3[3UBJV10KH;1<&E?-,Z74-EVF$.?O9][_Y:_) MPS/J^U'_GZN7;^OM"/;?KF\^_'[]]LWUOZ[^V#V$_7[L$4HY%F1`5R$UG^U4 MAB*B45,'7[H.GS^,'1_&[?'_JA_M!T5]"S46L(@&-)\E;F6Z3=?=,!J$/F.^ M&W,E7#>'!!VB:CA;DD:$T(*=;W"[-<5`;>(F5OE>FVNC^QU-!H^:143C0YWN M]KBWH8Z3#.PVXC">DNQ!<_U>LA#9JFP"K'>3EQ2;`(-0RZ%[!OTAR)X)D@W& M+AYG!PU]SM-LZ1(E#?4=H(WD-@^&_"JR)YX"4XP`U5+_&O.44@K#KKC['&1^ M%MES6*#9W,>JQ&)BS29-]UJE%3^4S=-S['D8KL<2LBW<1[F;UH"C,Q/YX!#L MX*#WO576,^Y'\SUEFY**+:A1OMLHU-:F<[9PLH/.'LYPJ?_R[O6;3V]>?WSY M]K_]9#C:BTGPUL62HH,<6\QA=OQKS'$ MR8^:*0K^&?>?QHAKK"Z32ZVV4(RFA&%N8]2PM*-O'?'YTW@83NPS0-?8%1^; MP:#9X-U&4+JVU[[\&?45C#AUCT7?7*D8-$9]I_&^1H:T<0'0K.@>;Q8GL:[8O=1'(IQ]!SU'XCR6;%]G&"I MU:52>B\Q3SEG[S;9VT_YC/J:2V\+5,&RKRB@E(8#P7SGQ3ST1)X=X'THSJ>K MF\_'#C;QV&<*M$*YE10M>J2IX%Z+9GGCW?;J^_[I$1_\%1<:R"#E/I8DU&"D MZGGN"LQ3>1S`CC,%5E=P?O([GE!ZB<5)TKBO'-.6Q!(0YRJ8A^$L6%_UO1P( M5_!*7Z)XJ#G%JJD\]%;<6<%J-.2,ID:KBUH7@>,JDA@MFZC[.!&'H`$KL\$9 MQ(2##-C'U<3D0D%AQWJY(U82RZ MYJQF)WVIPEP](CM.IP"_^@[[XG`\D(V)9A>Q:+H7V).F@"E.S;6ZP944#Q"> MWWF]T!`NV52A*#EJA@49>]_EW4A*/XC;`/VYON/I.$E+G`-$P0RH\2H`R5R6 M%)&A,!Y7*Q^3+-:3[2Z`>S7MA^$3BNXB2I*A&& MPHE]2X:ES[*;0-1@-H@FX_K6I`L%<34G241<6VTY.53.K`LU3/=?Q=DR2$[L M^MN'"X/V.&+2B4C@`&(0H(8^-&BBS4J@X8&NM2X.P@,YB=>M';(QQ9CD.53= MU/,&%ZJC#.1GK\$'[FCEP@+HL/N#9TVJ8HO3+B.31Y]B%\CC8G+ZXY*_D[=+ M'BO4PEM?;,:N$DJI10-3Z3;:P*.1/=JXN%8V`.,*8M)B9AO0Q^[KC(XIS%K# MZ/7K,0W0(W@QF;IL+%>1DPPLN32H-EN7+&MF/^]M;GZ<00S)+IZA6\-QO30J M5<<,&4STA;O9SER.2C&DL3,T)@>+U\5;@?LW3T157(7J-7I%R5DI+*9J)KA231A^[Y"PL MW@!N`,85=,7%YJ.OW?Z9-+5RQ)@*PURDI<@1VJCDAM@]K9\* MO,?1%C@HJYR*-KJ-=4+I=RZ&@1)I0EDA(#:> M;T"+'R^1NQ?1$T!Q31%)-QE;)B9B2*YBFJ64L5$:6%GPM/'UN(Z3N7)K.(D5>Y*2%87Z8[R]V)5HS3-HMS)OXR/ M@^Y\L:!R$@3WU8W8NQ`D-UTAS3O`%.X,1DRD08"I9^]RC\FIWO)T_(24XC7# MU)RP$^\&C^)"]2U4@IS2G&/Y6K/]=IN]N_V[_O)7M_<%%Q[OY[S=HQ^G]R"T M#<78BOI+8C*%)Z]@7S/<.P8F".U6(3ST'+V''Q5-]-G8Z+EHH)_8PY0BRM\D8AX5N=?\3JJ;<3WW^*7FN1,(E2#Y<#>I&E0@N\1+9U[V#\?Y?VWJ#)W+8-A49X%D1#S MW>UF%E]/NBI_NW[_X=MOZ&^[OGE]]?J7=Y^NWG_H+W<(_;I_Z9(:>(?&%^E> MLQR\S(>?QW&P&>!R8^FQS_Q(&)RVYA%25@Z?HX-@DA?*)9AI8<4\ZE%C6"QY M;!KG=141DN+ZJ-DBM=B`!2;'4"4==?3U/4`Z_<1`7B^QB;7YDEIUI;>*E&CS MG,CEDH_LHCX[U!=Z6Y4'!F?[7+02?,D4"&4F,VZ( MI9;OSI'1B!3PV$BZ^,B/@\")37ER0#$9%+[21QQJ4)WH:-WE:4_+-W`;1GE5 M&*5&3,$WS%"%,2K@RACIAALLLK(1`-J)II#2,5# MQO6>,>8+1#2+R]PD.+!BLZW<9A/7FD+>,:OBXL+G.=!0)]![KHB:Q.B5+HGA M"6:G>="/TM!-@;PNEM/5).IJ5,>1 M1[U7Z:KFX!Q!3M@76&ND7,4-:&G!F%N M,,Z%Z\#\[?:A7)=!]9$/L4]@50J?B#2?FAHPDH0TX/C4(%Q]QONDQSHE'Z!8 M$[()CB=QHT;/-DYW!K?YF+E6WH@!+$0$<4;ZK))F\W3^=+'>D>T76T+Q4!_Z M1,7G6W/CK@RUFKE._M#=E&OTNCO3E;BO!2/T1O.DIZJ^:C`YZJ;[6I((0"2C M]VF`ZNN18UZV MA.*!_(2LCNOECF*JT?"HQP*S;S[0O$J55Y>QQ+<\G'X[Z!Y)4(*KU8$P.?W7 M4`LPF;,EG_P@07\Z*!Y(4+H1DIXT*7J18BA:F&?F:K*,0SO]N:[$?064YH5< M*&0YE4:U)$YNL!QG.; M@'&-RY8T`"`,%'VV2"E0F:#TU?UP8G59**[B*$FLGI\EVZ3I1Y">E^*46GEG MAMOWIP;A>AUQ9R6ZS9L']-V(MU&:@.WS`T>+X\6NKNV@>R0]`2Z02$QQACUG M/6JGDK.1X(?3]>F@>"@],01L.`.)-^**\VCF.-G"4+,_S;E=/M[<'"(>NG<; M(+ MW#J2H:F`E*J(B>[69FV!>59)J6/\L7TL\;916\TK=)\=-$4]3+!/')$;C4E8+,,NAJ=9TZS3"2E8H?->\B4ETO%[5#GJX+) M0B&&8EKM@E4S+S;'8?"W6R52>G#$]CIQ!D.M.7VG`,DZS,'.\H7*--1D/7F' MY[!]3EJSR*X$LJWJMJFZC2J@N_;=<&LM;'14>$2T)N%6'0Q=/+IC%G2ZRD/G.>"SM5TD!0NSWI.="LMQGX9:D)PLY+#".^8O&+UMVP3S"-M,T-QE-!$/?]R:KJ->4;.BA]6 MX2%S5BX5MT.5&HR,EL#4RN#TO[R9-ZYNYE'7]JB$H?[_QY=O7US_[>9*M]'- MB_][^2Z9M9(-PDK(/;I;T"A?6[YKUH`XYC0QK;DE7WCB1X'@A'*.VQ&7A@`S MMI`98H6Y3F''>\E#YI%L'N,U+(41K7'8(>IQQ(YCIRZ/2,\<,P(%=$TU='V4,UCAQ(F,I/6?_'L+Q= M7.[(?QK0'\>7-,'18`&U>L.@X;E"YKDT97],JP4,*J1JQ M\R*V+@YD]!)7\+["C:D&7+;=S5C?FWW4M&:^P_)UX`(8\1+CYTG+/+:9%E%" M,:%9J+E@DBGA*19&'M`_BJ>.\0J^94WLG77&62;/M;44)CV[@38ZD3JD)XWS M*KYE2VK&.N\JE:YL:3RW6!F7<#2$7&-*L&6,UU><W?R'O2M;CBO'L5_4$03`]1'N2Q&/*8^&,=PM*%="8"<\4C]?X-+O<8\`J)V^]\MY4&Z&U M(C-#'GB4"]J/K)H4L#HZ%*>T=S/H;-8FU"PRR<%Q&%H21%5,UQ]#C/<$C^>8 MD)Q$@DH!77/.[3DV,X&E8;B`B:[VC'Y2T.FX49S>IHTA,)@,Y&.AP$JG,%[V M@)V(.H436/QQ@KNVF>5<@6.HR>DVARPF:X>DG.A#Z1_(#Q+!98$+'U$GC8EL MBK(K>'A%-!PM='Z(%^?D4#>Y/\L*V6`R2&2M246+S`Q-J461N;Y?$J@IX9^C M0W%*=2]!\"F'(@P.L74W'SM/L3&UNW&"^&&JK3VGJ+01)Y!`A"]EIR&J.FA_ MUH&[;$)O#U9U'9QE%7?+.$^Y%"M;> MV2#."(OYR<3!C_2DS2O>UH'='KXI:1<<2Q8B58JWP24GWNE84Q^84Y_^K&$* MZYKLA1]D'D4(XDBUHF1"JN)&)80QC;?UI>TG*?O3PVQ*?6G$6$MK?M1R(VRT MZJ$1AEX00L8PA;H=+FZ3#",7:M*5*F@7V05ETL@OO.7N<0-.[(+NTL/$XEL8 MG7RQP?C0ALN/%0OH.ZKFVFB[DX1RL\`X9"*V7ESR`N1T`%/&>B.E^X2/TT1L MW4"WYVQJX`@Z@3=1H!K!"J4'ZQ`TW-)&G^@1:U*>:HJ1:E`/%1Y)^&3?O8@F M)&8^Q9;V1Q"BC0"IL6A..5**&.K#@W3I"`+H*P"K4Y+UB81!`>*R"<+GJA@#,7K(92#5:4^RV3*P_PQ83:='[0; MVX:'Y0!5+C`G,Z8X!!V[Q@@$IW5MI_(#:UMS9Z,UV*!KKA1P;&6$+FPXGNI8 M$5N3'VB-2OP><"DEIT(2+W+L5Q0J[B+Q/YU=R%G.Y^^N?CN[G+W[X^'3 MWX=9UAAH6*C(2HD=YB(*N-9LAXGB5;;2'7=+AO]V#TN6,GG)JX:(D3!_#1Z9 MS.9O9[>;+EP# MF%I]OY5IB;@K&K1G+WGD$J&9"+2*-J)^W;]*R[E-RN9N-X5`(MRHYQ: MFJ#2S,DZFP9R*"NCCAPNO8K+5CMO'YL]?/!>]!^8V*8X>Q$'%ZVNH04)R>D8 MXX,\0VU%^&+0A:[-URE".8:CR5U3ZW@AFJPW\/+O\ M\/OUF[/;=@4^/UR%C9X#H@<6P8XDV!LLU?BA_[\!SM!5!02%WXOWCU8Q;:G+ MXA+)%@?B*Y:H7/.N#81ASEU+(>G='C%*N+NU\B?Q+2[^,_N0KN>WJ$S7(2UB%[T`?M M.ONY]BELN.CG`F*DT6_._O?ZII%KD?4\^^>M&/WRK[OO_[MO:7>=?9C=G%V^ MO9_<=W;Y1E9R?G8^X_G\6AS!]L,TD\7=S_:;-0KQ[I^7%^=?YOS5MV]X91VG M*YH\Z"`\%T)5]Z3FRSD8[%N+&I'$%WD./UW_-;NYNG_%G'(4/ZT^"L_.5,4J MJUQ:KP!KRU>B8!S&W(U4$HM!+_(H!N#CV?O_FWUX^-`JKS16FRE"<2W]/0AM M'VL-G75]"8WW:RK34\/W_C]J'UP;6DI6&+D)/AL0\>5":8#6$_3Q.7S4J^V8 MD%UFL,5G5;8F5.(1U@J.8>B2V(Q=[E,3US;8!XK$H9HU-$PZ:JM]KM%52FYD M3IQSG_/A[:..72_E')[>K!4MD@_"5RVUWII'/-:4'$^=$TXY=R%!/- M&K-X`B;HBB%;)93`*3>&*AYJE2_[K[/+37L6@*4*43#T[GVEHX% MTU]G\_F]P/Y[=OG7[(U\^N-\FI`!FNQ1+(/PH=2*C%P96AZ*O(5^OL6N`%FZ MA?V`].SF(S>#8;..I,0#94QC!$\#V@7=38\&^V^_^=W-K]=7Y[.;:0+:^@%4 MBSZJ-K'6)0_C`!91C'UV^0[@6;KX_<#S['K2IJP]VZB]J^A1",V@)PUEM6Q6 MR_Y0;WA\_6F#X8];^8*+OV:_?[RYOCO_^/OLZG]F9S=+5,`R]S)XD!OJ$P`D M,/)'C<-+AP/;%Y!8;=:+$&VXZ!T"\79VF\YN;CY?7)T+*;K;T-^F8EH[@QA1 M6>24K:^#;V&3*EV)EQC7]0C:Q,5/!68[L;!9O%S67BDV(A6!$8877:&!*X,JS19 M)V!$<1]P>>+U[ M5$9_R)AL'ER-B"E5<5M*J2F*-Q-I(.\>4Q]<7??1<%=H+..=:'/0A3"KD%0L M)&?ZD)FC>4'S*Z3G5:WF>8D9*[`YFQ#)5''::X&A5;40DZ"7#04],B16$3-A M&UA3S:T,*F6E3!V[/*3FKI^<:*QB9B[%*JQ=U5SE!M=LN`YWI1IMEY56[@F) MIV=F3JB6[]NOT)R8-3,*5&^:$A5&R/?CUP9:&T)T)>7 M>$?K)5D<`G;/D&<6*7CP%0M6;Q4;K1^8;>F35(B."+Z)U"P3LS5R#94K;5I4 M!?4U*5AG3:F?>(3JF;G9\SY\6TW9F>BK`>W3_>2Q,9&)LNGQ6//A>S,T6HS^ M_?7Y58O2_WQ]^>'BZOP^97S33'MN(Z4A%K5HF.M$'CL)..LI2YJ5>4)44'L77N(*.*QVBR<\-#J19GK*OQ(;5>4<-S;NY0%7YT M-H&/6KR4F$PHQKN1*I7<3U5QZS&#HX#VZ94^*1_:^W[AF'3!`J4,2C^A[>>J MX9K<_"C@G:CT2PBV(CIE(V?&Q"G!F!;A4Z?T3^JV3U#ZGDE7XU@1&():'[JY MUE:(>@!*_TM-Z*8T/]E0!Y&;8L6>A^#*ILV;"%M9+C_GA"I]D?P>K M^`E:E]7VRMJNE6JC6L=KQJF3FU.#]QE*)5`7X6,)7"NAHJQ=\>.+"-8I;]A' M@NU$S4\QAQBCR");G7.I20VS"AQBW[#VU$1R<^7OD;0%\%3D#I--ML3QT4V8 M6L?>#@BK57TVM&*'5&JM2=A_4#$,S0]7[!EWU1$+X`R2=,*MQ M;'5[MY[RM'A+ MQJR%Z%WUIXVS M[P&_S[SG\_.;F5RF6?O0IMX`*9--(@N!R:58@.Q0/4`JV^Z5\-'N=[[^O2'T MW%>T.G$LN5*-U6A6T:JA.[`E,26K@HJ'"?Q6HEBJ`VU=AE*4;<%(2`,UH81J M0;.X!31UZU4_&P[/_GCK'*4<6LJ_Y8`AXT/Y8%7<<=H#AGBNQR\&6 MY*&EAY/CJ"G3T.M56QVZ)).=X;)T%WO#Z;G%4A5K@+FPKR&+,U\?9JT:;?L, MXCW`_Z7$?+:H%RP+]94]]YU7.W1I13M!3<[;@+8F7RW;Y(96J@9\Z=OSD2+S M?:K3E%7N?ILK+ELDJ"S;,B:C!B_NIQNR:L03=7W@WGAE#G";JYHM@@XV``FS M2D%#3GHLLX!LN&_MJQ\G7SWE-G^1O=S([_QR]?[ZTRR=S3_>Y^^]F=U^O/ZP MJ>"69!04#,G4""R[)C6>J"C6KM;(X]KGN72=3[/955UAQ8TR%HNA:$S).2L] MY*8K+08 MTTICK@*4W(^(%^O[++NZ%,OZ@2\OK_\M_[9A>6>JQ+%J8;!(8B]`QS#F7X0% MVM32VI+X>&&[W-#^QHYH\HX1Q72:@L4&%CS&&AK2???6#43@*/":,'($,9M< MP<;`-?IH@A]+15U>,-OHOF_VJ8`V?,EF`\FH6AL)O<."*#+$9D2,E>[G-#]* M!CXQQ"9/&[$1B+WQH9#X/-7D\DU_!MT_&:-9FT(]&8[+;%!EKT3M4-09O,]) M5/80?79BF;K]&&,/83_[4]=4N$3Q_8JJ5CEGN?)HX!QPQZ'![]^^'<*(*(T$ MGEVQHEEJL6."CA-7>L$LVQ.2LDGZ.@67N9;J4F+?9K98&/(]+3/UY9ATRH!- M5M<14`MBNC`K9;W-=2BL,A9R[E,[GUSN_G$E__3A[S<7\O,_SR[CV>7&'-NW M&*AP["!N+;*"6,*H@G3T?4HXB=U?=U^+U[?CW2VS2`ZUAL;JE(8$;$JD45<0 M"@["VC9VN]W]]\7MQ[?7CT]^T[CB'B<<,E:MB;-VK92WC>@8TDI52K:# MEM3:8K,A-$>+^`3CIR@2!TL"L[>MIVWAX=':1-4/)`"$M>7Y!<`^R7PJ9!-% MP2N73;2Y=2,=@G\`P??F$VAMS?\B,9]L@4UAC:U0*20'QHF_409CU6;L=OW, M@K>OTK_]=,>45:L/U6TZIA$9\4"E1>=#?'B"8:'\3#]$,NI_*V#V"`T6L[Y"\` M]DG659#&X!G1>^M#A?KPM`9*%MAC?O1$\FDQGVQ=L18&R$@%DR+P6'E,'BW8 MCTIPX57Z=V!=50U0/&K+(8++[:EYJ,N"Y$J?`1+6#L\<*.IFS\:53745*`B[ M4F)8M2EF3%W0I9_RC;CV,]E+07R"<4TV!([`VJ./%ELBT!"%-!063&*Q]M@Y MS2YAGQ;Y5:IJ<*[J2*'5-/$P2Z,Y3/T`4KD3K\KE:5Q7CU8X.GQYD1=%K\>^ M=Z"%]"QN&?1Z$EL:5V]3CJ)QDC`:J[*BAX(^`^B6%?0="N!3LO;V9UNQNN18 M<8&*WFCD:L.8%ABPH_-;QF=VDE!VD+A/L+!B5EGG$%V@'$#KJ'BPL("QGS.I MUTY2?$'@3[*SODTI;SVH:G!>_%?0=6PW'T/?(&];Q^F%(#_9VJ8D["8BV>BC MTR%Q'=NN&:I]#TRD5SVT.Z-;R5F,Z'UVI4:;3/7C;<#H^CR@+3GGP8"_[ZAQ MJ-9#,"4$9S`J$70WIJFWV67]<_>.,O^_F[$:JZ18]S;Z" MOQOK"]E"-2@NEMA>"#5$&$;#0W78([]V.NJ+1GYZ7JOA9#EPRZRF&KVS*^IJ07$'GBC#2"KX60\-KK:H%EC64/U[@]QU2IJPT&V:% MZ&M4/L%85&1P04O-5]!W9'4):LE>66"+5`VP&L,/)4)[]QY8=:V^L M$N4-+%3?M3'K0TTD0N]C;9N)]D*@GVQV@RC^5,A%#5J+TYN5&ZX"$/:EY/Y4 MW*Y#"#1CL*:&H"MH$7,H#L9Q38IB[E+3#A3X%6']O1UU\P@3S*; M&%DG5:(S!:W60E'JV)0SU;[;$6T;*SXMA"=;1]8J<[21*0NB7G..8QOL&'+7 MPH&"VS)`-?V>&)? M-S3JZC9W9:F7E";]+!5/=H#2>-(YV*PQ21],X<,]``^KVL_M`!4E3];Y M#-ZP50@"AT[0AOUA8SS>DFKWKR0^GP<$BAZ=\D:21._!A;YCH#99^ET->V?2 MQSO4\90T(K1.@'$.(A]HX1G6#8-"F<,&6(,5B%6(?C>&8OX06+M$FY"HY-F;NL#=C; M-6J7$["-QN1\2N`=^\;!-8K2@+XCN>$9M7Q6CAB-5LX%#R`@9Q/9K`SMW]BD M;VCF\7Z/\]FYHHI!>AEY1\ M"3!0%Z*V9:F MA&@1%%"PHD(18X="_D*Q: MUOMWN?P(VIY@U@LD386"3[YF MX&N(0ZFG#J$T!$@_]2CZ2^53S3HE!N!DG?,F*&.`D#$HJ(FT#)& M)WHO*G2,3=H.'-`D_2.H>X)=9[4*%XR3JEBAA:T#IWJ[SCO0)/+PN3_HA?Z" M53[)KN=02BU)P^30R\"N$P?DPL:^"8Z[OT[X"?JSU"[\`*4:F"*]TV4X]`** M:YZ"WIC^WU>3D!AU`J]0BI2]I1*4[;.,1=3NB"C7R5+EWYC")YAU6@UXH/H/AI3Q?62X_&J.(R``B#HH]]:274AL&'!Q4G M?TBU3S;RSB;*66$D)QE3,F,-@Z=5MLVW`'E4C."-;,:Y(S.A`"H'+J94(`I) M60S-6-@4S>A:+U7A$ZR]-;F.,<[:UQGOH'@/AAK\P/2U[8EP5/#Q`C4_K;I' M:/(&!.7$.)Z4T?:E#KQ`4P:(AW4!^9!JGX[IE<(<;?3*F6@R^0POOK>8MA_: M)5C[ZN?"Q/:)G1X"7CG+81MV*K;2()`2$G!DHAR M",?;$-K\?O&7YF>P^"Y!+MYI@7S8:T:8>+'X4;8S2>"H6-F'T/KT#O:R%)6B M(A^"1Y&55T,S$(;][R&N,!)!.WL11J:B@HE,EOB/2%I`1@ICM8S" M9*TS4EH:G14U8D9*B9LB6`F+0)%ZZSKBV;L6ZHT#T)6EW M>BS<:^>B"#'5/DJ%4<8PCL4DUXX&L8?UH3FMSM]#N3)933J"-KY$'50!RPA$>6>'038F$339 MY%K@4:SP;,H_*Y*V!%FXA$E@,C4]I:1^%2\] M&%5K-;62OH=\5@.VB/K`4:N7I^E)-CMD$*Q91_=/T>H?[E>KLKS_+;$.%W>/ M_(M__-HMKVNGVU7L/M\ON^_?]\_KW[M5_OUA>P_/;WA^XW5NM=U?[R M_O:6?[0/A&]+`?K4+?[[A^X+JY#_LX=O?]+Q3]=+UB)K^NOUW;>QJ*B**0H? M%"650]3\L7]6C%&4YEG1F+4`TNE$/YN*OS^[;V=X?.Z(?.T&X90IC-SDL\J, M2+*M<;UR2GT0G:^*7!68A4Q,"(`U`[%4&N,[6S MJ/B7QW^M%I\6U\M%]_S[^3>?VK&$:%7T?"N#UUD`QC+DJ_@BVRI&T`9VZ&JC M#$?+/+/58ND*\QM1A"L1;$S2OLAL?1.:6A^8]`H2SWPAG'T:P!MD-A[0VN"& MS(`(F!OZ#+B>IS%)9OYL_ORYNWE859AV4_$:,:2[>;C]]L_[_'^/+-(>UE/\ M<>MT0)LOW=VJB]U=]WFQ#>]MOV9@ M=3&\"2)K32;J7)YS\52I0P(;BX2;]-\LXXBESG:V=+"E%%E;BL1`T8(87I1# M=-1DE9](*O4S[-J`A`:"I4(>893/AF]K M-F"+IFCZ?"JAG&MN*D.P$ZY3#B?BE\H`*^O[Y:9C%[>X_]-Y^4>WZK\>/OW/ MX_<7CK%X*N^()Z62+$*E%,W0KW3**_,B_N M/HWFA6)*KH02`&I#>#8!0^V%5+&Y)2>55OV\XZ9DYQD_22@B80XAA@Q#=9J` MMI/$U>DLU0C#(Y5T$L:J8FW*C%[8K/;.0!O?>K7U#B.S+W4VH\HF":1*GCUV M(NL$<]O3 MDMY@(4YWFAF$;5^G`E8A9NN#QA#`,XKNURFB:OCKE=Q$&&9;YTZJK0&55C+; M(ETFBCCT?)>JB`9U@3GE$9T7=3&-E<6ST0NH@PLQ#IWR:@/4G6,N#Y&J)B[< MW2QN%T^\-_UZ??>%:2]UG[OELOO$WQ!6J^YA]5_7MX]/WS'$8P]%R.@(,OM( MC6Q5O%`&!XOGLF]+A^QZBM'1*SZU`D:\F="67(H1HV4K$%U^V5&50FX.ZQ6N M5S"\>0V,7->2G'1H:^10,9$@U-AW)?0QM[4$S8O!JRH@W_&:GW[;/Q@Q'GK< M39:%)#)@",$FTXO_"GSD"^1%O0"$.VV&(*]HG; M7F!L+-(5B/71)F<2;.18ZAA5S=XU[/B4,#5:VP-BKVQH'1XT,UOF%FR+"0\/ MI?O4+:]O*XEY?+A??GOY^0EG%$V"6L@Q;2V796VWH_[3D7 M_XIJ&3'45B.?;`L^^$1,8I5PN5>+,M1D25RA%A>AEY%[PD0E&51H/$FF8RA] MZDT::Z`=GM@D_+VV6GY\^+5;OL0K5H?>CPC%@@2TIAAR5HMAI)#*BJ#M%+5> M[+G?LF819>1,&\\^1[M$H9#/,F2"/O/'>VBK)YLV8Z\HRIBYSM$+F8MPWE6" M9U$\HPB#.>D-*$*>5)3A4W=?GMZ%#CUE?*0<69,=\#5*3B/E/I$V2M'$FJ/99Z:0B/<4QP]VG'^YOKF__\%!YZ/'S"J1@`:+CF\1$.D,_ M+ MY>,H+/*&6?0U0-@HIAEA*,$3).EVT MBM3OE4NE'5][M=[2>Z]5S2'(V*%S-1*9T5'4VKD":IA_[+,6#4@ZGR`C1RQG M(YBY1L7S1DHNY)Z@Y M46X(ZE.'[$TK_O[?'[2TL4!E$!AX?:@"WU8B`-NW:LE%BK8SU\8DC*U+6W;7 MJXZZYX^/77W##Y\_/^E\JT>8+QM'HW,+S)P@DK>,$RC&'W,9)U!F?OWM3,FH3<9/MF\;$)3]V_[Q_/0N?$4!JQTW.+.G4TK/*0@ M3!+\@4\TT)#DC613@[VE';UX!XG[5,/2/]Y\1SH'A[=42G4:I":CZK!9EF,P M@>RK&Z>,N#[`;9]5S2#'B$E15M6^;\C@;SCJ/''_K M;C^5^^4OU[<';T8&86M$A/@C"::FL<"0PYE\2X&PS2`86=*Q$HQL0U`QFRAL MB86Q+"JVW*Z7P.1-3[5-3.XX`?[C?OGPY?I+=^Q61*>ELZX8Y;R3FK32O24K M&M2&\V2A>>/9J.MSL<#= ME^^/S:?VP>R3"&.0@B*X`H695I^&B\PBVS,YYH(W"3&'W&-`SVIV*L&*7'RT MT0&3])X*HRG-D<3UL;*O+,A\;A80P;/L8!E')55L/^6U!@7RAGRZ,:-R*L%' M;B#E[&RP66>98AQQ32]_8T M\D%MGP!.?G;3]=?%P_7M)MHXLP%*-ELF-K+.VHXDG=`1^O,;4ENBNMZV;V]! MYI)_YONK`PI5:R$,.QY3M"UYJ.OS)C0,]=SBSWWT(]]N"/Q[D2%U,(5MP-"% M1NFV\?%KB/_#XOI?3#(>%J?GP"RJI#K`B+347DDF_T/O#!/:-&/IQI#Y5E%F M4\$8:ZH%5A!MB,AV3*)*0R5`L3DU^0U7>GUP[=EDFB^T(4J*%$HH&;)75JB! M.=:>]HTS4VUD_M55,(:0:]E-+=C*3DH'W@9Z)I&\P4FV-Q7:#(DSR32CL?9" M%W`Y$X&TP7D<6NYIS$T"@K*GNJT_+;O?%H^_K5Z"J`<-<(@%2]'WEGJ7 MA0LI.%O8\+O^"5*184!_$&_>N>[/]\O?OK_U=C>_WMW?WG_Y%NX^T?7#]4_+ M^YMNM>+[;S$AMUL,18TLZ7H+M)6/%9;Z[J(Q*&#,8WH:!RO"GVEEQ M?GU\T"LL_Y2UN8:ML?.@BT\L6Q')Z*$&%*`U!D8TM2AO1P&3:W8#&N(:,,P%+.FO;P)+>RLY<5H5>"]1(/L4XDH]&91U2S%#4,/&VOR"A+L-NPN M492,UQBN&>U-IDQR#1E/2YV:A%V54RN( M?9"J59V!E')6QMZ.,%96\ MM:E.-.]W`2/E%AU[;^<2X8D73WNU]S8S!I;L`"0OEDD)W^`!U$?=^%_06T'D M'U8Q9:%C[\$^U<1D6:24P0CT9NA*!"JT3S<(6ZW,V$)CQU#F[@OQUUUG='JQ\\;$Y:>.SOO"'0%C%HZT,R_918QYZ&]M8ZFO:G"0-,I MX?`USB_D+H,:K0G>BQ*B13+2,\$:TLB%D>WX)H%JRZ$ZE9"_=C?_NVYH1_LO-8#SWLLZ@YY-BU/4_ISSJ7D/^?NZOM;>M6 MTG^)'+Y_Y`S)VR[:IFB+W8\+U5'N->I87=E.D7^_0R<\3L2C&NB*)#,D;:SVY;)2J M6?+/H2Y?J)Y`3XCQ`_7YWS]2M@G>$T`DS>?".W9:0K'#';`/>=D9DSW#@G*= M,SKEUY-,`9NTRX6*".BQ:58[TGK-EK3XV<-.(3C<)!&S3"%0_1!U&$H.N><& M7U:]R7@RD/="ID+:!0+K9$A#-$.ZOZ"A*W(]2[1)F%9$*2%88)B3M0PY#T][ M3B7WG)^AZP\^7;:I"#!J]$)A+01AXSHK'+K,=PI)R322Y"-+G\R":X$,9S7*?)-1&S96VSA,R10W2UTV[H]&8H552_NEO(\9S% M:8+M]TZ)Q3("*VN=Y/!1@FI$ASH&CB\[@^GE#O\,`+4N!TG.>\VN72JTT0Y] MH0!VI`%[3\+R`-EPL]UN_F$O>O:2NF.M,E&Q44;^CW(^##RMP>Q3Z. M1-8692FBP#KB@\DV_="SX^T^CNGGZ##U]L["S,SO&GX\E761PR_4B"K'1G>D M^4WOG:`R8CP-NB/'2;+.C>@&%H@_+EF2K_A9#12L?*>5[APCN#")G)\EZ\PA M=X[E4E""M9:C$/9+LKTYJ=C4;E?_K&Y^Y:CL M9J(A))C-DUB;$X6,L%GKW?N+'."+J^72>.;J59UT+L%B",\!N M)3Y=S.C[9OSI=_#;4'EN:I,!/DC)P5H*2F'TX-MYSLGTGNK$XWRDRI^YKG[X MG';'U>U?CZGXQZ_^MKY;;S^L'[_X]D/E,;S[:7/[[S_6V_>'?.#FRT!"(DC- M#W".`CUIRKKY$YM\WQ?WF'[;K_^I8K^(*48.PI>F(.L5Y02V\AQK2:&XIQ9! M%_K:^6&I,NG(2M2*1KLL].N]JN@U$YU9@[L%)`0401!6(C$`. MLYI?2_J'OD7= M9TZU#)`L* MGQG4?;I:?UR_/SG;J;2JE'B525?6I1XEBL$WB(#=9P.Z(V#<*\O),L^%^B4$ M'P@4`LC*SJH:;P+?BQ&&11G4I,->1.8YD"%,=*I>WZ*"TI$5P.'MM_VDN>S7 MCQXG\Z?&K,_?'=_Q%W_=;CY8XPA1+LDI4? M-M5&UQ\7&5PW_'2,?$NJ-E>8##GH2I2N72;(E(QJK1JR\C3WG7$]!]:RJHU/ M@D^V^&A?DUT&:I>)97>=11RF(9+OJ36TV=.5M"O(J=+N+^IKDPM'%DG4_>;H M76W`&$86?.K">1WV-#PO)>HY^X"\TK((+S5`=I$#Z$HK_5E9Y(>W]Q7P;2A[ M`_%K MY$5E=/8Y/.U>DS`VOGQ>42?:C.K>V1*BKTD/-#YI&@Y!7<79/YYA'%K^ MSB.*HF[:4Y0XKJF;++(;;E>Q(T/A8,93<4N)NK\7B3)Y[:U"]JA`&EF,MN3` MI-!S2_(!.*]59Q8UBI!M9E#,<,!RA)BPG0&11E:>5SZU9[];OZ^O'K:/M9;& MXH6KJ[_61]-&U[$M%TT"Q2&)\JR!']X%A7T=0(H]:9)IL9;09)8(5@;K4,O, M:$Q[]ITM5<(Q;N[9WEQ'TWFR(J?P=0OO9$2^BI)C=L2@A!XZ.NN>J3YUW!$; M//WCATLU%W/DY"5?/Z.#3!R1UEWSK49J]4NTA49@;`JB[S(MV MR@:-C%@+1Q.M=.>-[K>G5:@]*MA>OH19\:9>K!PIN<+7G@J?08@0S-#;SV%/ MGS#JMTD=*5Z;IAFA_IJSIKK97__GXT_K#^N8KZ#E\SX^W?S_S%WTJ MU%S_851DK"60UC&TYT,!3];`V/G%U[;#S^O5W&OZ3KNZN;3?W96;X`Q0&9P[K.,7D0V32^+%T7N?>3HB][/J9>9\N7 M6CJ?^$^Q04!TNC60&ZE2/_WG_'C&\FRBO^2#1ZK6Y)U`],IIRT`D-%]5T/2, M2I=JA[D'S^C,!R-8H1C],LRAT!)?EM%PO^GPLD_%W(/GR$D+@A2`+[7P"Z7M MCRG2])'L:]OA_`]>0E50.53!F`+`9HBM!I6*&ZFE/?-\?%A_R@M^"D#:#Q\= M5Z20C;8<6;A:G,G.8FN<3R[8?MF.@EVIQP4Y3=I9-EVL=HT"O,N4H+AA+EN7 MD3X#J3I8?Y2T=R/'X"CL;`F-BR+''$KV?$=0MH%8A])TCT;PNEL--27,<^2> M#%`XOO>)GSJC"+(MV93&WUK3%_WW]?X\551OD68SQTH/5("OC);@0"L=F[?.+883RQ4*_ M"><9NIW12F9!*YE$I!@JD=`<#5FI/;9H.Y*A[EI::[OFKJ6L]-/JS\V6O^.W M]4VM<^^;(5QZ.D\SP+62X2Y*R9.XMP=G%/$3.>T85=V_>T>/RQC>,J>]7MV\K9_W[VJ%Y%((P22:;BA*% MC2I,+6*V\(L=$XTL$C<[XDX+\SS)IS!$X><01`E::K`IUPZ@QA4%V?2$7;!3 M*CA.\CUTR7/F96#.L;XU",DS5+/:B8;:LPK]S*#QWN[0<^ZC-YX1:;&7#%5* M0GOKM#)""9F$:7:."".4Q\;L<.V>HL$D=4WE5@1I`.0G_&O;`G7V'2.]WA8J MJ%I"I.48[$LF:7*EL0M`A@A]42L3NB]5_4,ND[6J!,#HX2B;MM-BEWE%R,`_$)V[XQE$+G# M%W-VX1?[H""0`ZP%`B%"2=YP#-#*6W6.L*NMRMWZUI&ZWJX'-T$/VRKH<5%Z M@&(AE2QJBX[S'.^UULDB;.K0NY4[8\EC$APOXM3YB52$#*7V"!09%:FG)>:& M3.C;N]1.J_:\B%\Q&'Z1A+JYV?Q3I_`Z>6&ZXXF\5*9NPW1>H\[5Y[38.2.' MTWT/D=_)+*,2G'=D%55=SER+LL&:\C`+#'6T3 M0(_-W>VWE>M;_EE&34^_$#\^_?V/CW^O'R_ZU6K[X7]_?KBYOWZW>G]]\_'Q MYV>+/,$B&NN5R(JDMBD.97:+HN^\V2&RN#C[O+E=_[$IFX=M.=A&@OCTI"AE M<8*!+S$^;]4D7Z!?0K^MV>$^-OS^NMG>O]O<7&]^7__[@)9?@0PJ?';% M`VBO0)W6\?KNI.AT.N'[L@3.S:G8K91Q<3TO!$ MN=QWAWX'YGG@@W7`M8O"Q5J>5X@:A8S9/:&TXL:F4E_T\$P!-L1DDBR2C&+` MY@D4M$54_,K&+L!TL$/E_P+"OYY7=L5AY@"#C:1L(N`PMHUHH"Y][*I>V"LO M:YP37+)V1FL*FL/(B!:BU\-<'3H+/4.@VJ&#O1@+G>2/;8F98R%9,7M,!8,` M&F)5X?OI-P8VWXMY3G;&*DDO*RTCHSVCT!ZX6Q,,%')7(HT[+V08BM$L9/K&]%?]JV> M))`OEFQ)),A8CNRDK/3,GYL;/%^!GG3QA9]1\YI>&+,PGH]\=G4HQ9,OJJ4_ M:O:CITS:+7]_FR$/>,UCG=";.!0A&U#)T=<(!CACM'COHLNQ1P M\4?JR'"82A"5)#<:I<"&E)^Z%*/J5W"%[\`^!SIB(9"C`"-,91Z34(KU+9U" M*HW,O)[COCU=@J,"8JK-%ZXVZ9"5HJX'&@Z^==#W&?(GO\/],R_0<^6?7.ZE M%68M&39;5(Z,M*WJG?`\$*4=)_J_MYNZ. M5MOMQ]-:9#(&#\6V'MTD9@>(Z(MJ=(K5FYR2CY7 MT*71\@7+1M.0(P+JT*EVZD!7<#DF.P&S&K"N[E/VCH(*VB2&9_;X.!HMV_C^[+9R?@68K8"P*L8 M@]#\8!=JE3),.HZ0(WE_8'+WPDQY'.IEWY9\D22,#A&C,':(I5!'W7?YR=WF MU._%:@=B8:5L4BDE";6I4&1*,0Q8V/5]98/[[_>W6]7;]M([T_;>[NW]S^LKE=75UM'SZ]0@>1UW[%P%NISA1? M)U??)$:%R0[D!R+%GG8)#@2.!TE[1KUGIKD*$"IGHLU:ZDS1YX%-LI#%SHFY M"U%[AG!9%5TR2"6+840K^1@W?CY37,#N$=CED3Z_VK^L[^LJ[7?K[>.OZQ:T MSY(Y9?:Q0"Y(](J5\]3VZ5J-L?0'FCV).:P?=42T)55Z/2#,%M#1@_!)QKJ& M&V$H##C#^*3/E1DX+#E].28[`0B3,LHI2H5C[\3'#?G];/V%.OB^OBM!AL,& M`"[";B,`R60B:7T M-4&O9#@L@CRS2J\'$9(@1E,R%8B5\BXF-43=_#_Z4;&@G7A]5/7JN;)8R:5E MKIV#2@FH2=I&&I%%$GT]`ZR!P\+NB[#;21!!27!U`AH$BLH%`5:UTBUE$[M> M#R?,@:7;"[79R1#!U*W0=:@\%J'K$J>4AQ8[:6&$M<=X\_H0X=5S9>AJUYC6 M-E..`7Q"W9!]LKFG?6:(\!T]=B=`!#!&)906]^WU=)@ORG/P^Z.GH,%6TB=26H&+Z3B\)0= MM7/H`:QMM0<9T/>)3.>=//@\SZGSP_KF;=EL?U_=C'%.'D=C(+0JPA1!6CKW MB96]9:^"[#=`&;'+`S,OT!(*O"1[K0Y)J1AK.E\XJKG,H6&'X[U^(_ME6V.. MPS:S_CIXI756%(,MC+S:S0U2=-#A>S@A2O#`$:MAH.(30=!# M_X+[?_*NMBFN&UG_(JK4K;?61TDM56W5[L;99._76\2,D[EQ&-\!O,6_WQ9& M!QL-\P(#S(!3,0E@(SVG3[]W/R[K%1O(5WDISW^!EU2'$#D!M$2.B8F3HS@M M\PX1W5#7.6XT-JE#)P*.P!%#41#:"LAI4)K%0QLVI[T%"=FD#D4L6.*<;!4Y MP<2JH/M;$YW"P;<_##2>7QT:=E1)<2[%MYX)&_N.6R>>!3Z3K'SX/#O[79S' MB[SXW/:,+K>8J_B^H'DS6$@L:6,`2GR4_HY#Q6,O8M/M]%4/+)Q?G'&ZJ0^>+\UT4^O?BC?E[\ M)YZ=S=MG+GY=?/?=NS(C&:@^-YYN128#JY+U71L$CR-0N*H/:P_G?ADP-K`F MB/.1+%*NA2$HJT&KB87"T[A88]6NP&?&XCX5\\;5Z=6I1(&-!!Z0L;&R]^*O M/-UQ*O6A3M@?3O"(`[Y>TPI5T?@NAF`"9)UT$11Z,E`4X!BBKNYK/7@`IA]P MTWY]?OKYVQ+LQJIV<=%TY0]JDA=7OUU^NOJ\*4^6:W7HBNC^QMQ=6^_7K2+4 MZ$;^F#>.VH?3BXV-A:)/75*>4U2D(57,G:M`JYC'=6%.K5;K*^*H625F6**M11!LU?>-4$>?).WCMW5;S>4,*?+LTVJKA2?LD=K MDG)%X3(,'J]8,**-K,W!M^_SS_/_YQ]OOYUD68ML3O[*&[SBE-LG)R3 M*"+K1O5"F4$$LL]N.MWVJAZ14#ZBA3'8$#6[Y,DZ&Z/VR+U>$A#'U-5#4PY' M@<)N\O7/Q?F7V?+38OF7_.#=Y4J32)+XW%1S*JYB+-9UN1)O9?0Y]:KV_3>( MZXI&.K'.:7&8L$ZQ_R[]LSD4FXA18IBD(M92 M::J!Y^C'=32K1VP.'X%G\7L=8U+L:NLBLJ9:'29M+Y;4;&RH>FNP;>'X:M;6 M$IJ0M,5H(Z`.D]?FXKAH7[E5(R)O#;F=/-\,QNJ2BO7!>5]5--5,>JN,[-J` MX6!#U3U"N+4#W-A52.(%XUL+`,9&SG0G@Z/2,V$55\A;PV]/'C"V/$!R+HC^ MT\"5BIK`36DD43\66!\]6&&,A*F&4',D4DG^O6LSP[#"RWA@]O)8@7D6RZNB MW,E+\)I*QNB8"Y7)\HJ'_%:E;._VV%16U59O$))UH;I(4R(JHAXW-)$A>T0^ M\'X!WV>KN-[^ACPT M4:_E:\AAR%ZY;TM'WR6J^TIJ&6T%W&18H+=!5W(3Y"F/.X4/'>S=!OP0HO,H M[W%$1N5CJ+VAIE6&\M"GMWH'P%%@\"RFNJ:*%BKF7!$4&\"^^L3I4([/(=P# M'LRJ,YE)1XA@4_HHTG4)LAO MD?76'TF5Z'MDM^7W\FV*P=K,.L6$"5SNS8>!)`;9:CW,H=_^10M#%@1!L"YJ M5;-"%0),+VG6?BSFOG4\GU(0LIC9>@DCQ/!&YC;W-;DJ6-,(IMYW87S=%(V+ M29ZM+61#*CY%9SLYGH/B>4@D/;2+Z*D'?+TF+;2!G<%"P22VP2IC>BJM5![I MPQ_8+'3P`#R+'YY;?-S87MA4K.(10>^7:0M^Q\#YC:.VA0]NM2:!AZ*I"DJN MN:TMN14WE\>5.$&<]GW;J\,#;B<'O":3O2]%%"E[\M@V"]SJ+$6BRMZ9T&WO M?`-YKKE4'XN*QC)D'SMP.8ZE93#K9S[?!'Q[84H;C" M2:/U*,+45X&5@.,J,$U[#V\.$]>G^.1*;$=TEA\EX2LX:=AZS(U;9]\4%!>NX!_F!)8>'C\#S#"<8U.QU3(6PL$Y$ MH<_95Y?I2/S>_<&V35&X<`'4OCJK3?&UNDZ,ZP`$R*'&A@;>@<#MY/E&%;'8 MHAN/?40100@]]:RJ5>,^3>7VW:1UB!!N[P!+I)I339"L_"I1Z]!7D=4<1LIO M#_`.\-N3!URC56(\52R0M:M!P)Z,JL/PO!7=0]Q^&U0!%ZU765Q@S`QMX_Z&%I16?MB>_S[!W,(>EPP2L-F4 M*(L]@;;R9$K=&:8A8(6;AM;W*IT[F6D;`U=;@%34.01359V6@CE=Q_!B_Q,@ MQP/LUL8[M@T]-G,B@UZGP'KB&RG&IR'MAP[?K3+=DTF/E129Z(OU-82J5*8I MS(G&/6]-^=6WL)=DR.7$B=L$9E04?5]@4"B954U:!UL8VH#!\YAJ)6^L13$; M%HA]+F7:_E]T&7E.W@%R6]CE)'%(KJY$&ST$6WQ@Z'%R\FG%DO%W(G4[F6!P MSF04D:.DM2:RC9K\5G-1&;V;]X#?UI:V%JK:JBRALJD1BU9AJA.%;(\NDCN< M)BURBI#1&XSH737:TL1_Z5)XWK[55R7HD'C-*V434IL&(>?Z?D4K`=SH2:PD MZ#CTV[]H88@8E1*AX6RLL<'"W<"A\F2?=U7)P8'YE&H08N!@T56O/+!)RI:> M%2QL_=@#M:ML7ES(]2[E2+/SC]?Q&R-MO.S[]&YVL^VVO=E32.*5(BH=,7L& M>QNZFV0!AD$UI/NEUBU.M(<[K&L\\ZED<.W@KJ24&;$GQTP2?3!RO@Y-5_NY MPP_?_^'TNDG65K3&/US&::Y54Q+'39-<"GICA4G)Q/4MX5N?:HO;?%@NOLXO MQ-#M>@,.B8HV1?L0)=R)&(/M-PBUCF2>0VUF[7%^./H_3I=_SB[;J_++[./5 ML[-JS$JVZ0G4#F7H)EU1%V/^,Z^1:WTR?C MO8I4%%?6/H8.:`EE9-X#?9_P?O,A;_3:1?G_J_GE=;R\7,Y_N[KY_E\78ES: M:9?BJL@CZ;38N[%0^10"RH<9YH]Z-,['R\/5]NW>.I MQMXHFNR5,1%BY;[NP*(Q=MVB]"=>:WZ^D$=YW;_XM_._S_^:BS/YX71Y>2Y_ M[Q_S+Z.DP<_Z%YZ,W?^<+N?M!_:_H\A[UX0C7>?/$F#./\T_WFQ[_.G3S5>N M[YHO\MD,0OL-8-5.W^^9#;QW["FU>6A'WA05:[>*2CLU4K7?IZC?ZJ9KL1&C M/E\TVK5EH_WBV;>/N^X914K!&:\+46@)"*R]P==DB"/?[IHKK#[0_NYP%ZNU M1&!3^M^D+"_^^K(X;S;@!Z='M.S57U>-+^+LI\L_9LOV;V MNHT=@57L5C&4P7BPC<6B%P'$O_#KPN1#Q^9VOZD8H=.Y_(Q\^F5^>;HI9<6Y MBO7.RHKTNYRR*]P-.8])Z(HVW:B(`BJ$II\3=ZW(YZQH"3FJH%"E&#-W4F'#>EU5X,!A^)>X6_/SV5DY79Z+<&Q*U?K2:/[8 MF-JH94H)NE,`6&?JR.!V/$#\NKQ9='Z]C3@4KP0'E8UXWZ6(ULA]HL&!CGG= M2.?+H;`A_)&87QM0H$-)1D2ZQ=-=I.5ZZ[AB7OH.+^$CJ!^6N6`.5E=2")F( M'/:)7<-01H:K(X+F42X"(H+E1K3$M;`R+4?4UYI72H-E/''VM4S!HU!9ZR-\ M+Q@.D\]:;`&S@AI5@LY2;*GE=H]7,![E(C@$J!`9E$#!-E+-G4&H,,+8WWI< M8K&3AQ#;B%L15:&R3E'\::@]^=$FM]:U1Q\X##MZ",PN.T6!;0Y%:X@`?2Z& MB\V'X2H]"HA=/(2;0;TV-IQ(1?&8=,YYLJX\SAH\$04Y[?6WW%F].C^[>$JF M/6MTV3H/"8(AC_(?G<'!QTQCP["^US"\X3!/.OC:]".J8'QU1?NH2(+9&/O! MHPEN*!$XN$<%L-O!EY>_G_X^2Z>6J-H3_SJ'BJW;02?0 M!-&",=/":N]'PF%S+Q_Y^&,^YW6G5^H%2,L2.UU;K**639]=!93=&MS M86\?O4TT9QH,9QU8EUS`IIQBYW-Q:#*MJ]Z_`_0V\L#[F@Q@"BJY`M[7J9G0 M:0=I9+8Z_+=W?87!V^*CU2TL9K%WJG-?.].ZK4?RGV.X[DLJ*TXZ)BL!>=%T MLV^QYLX`U,;OUJ97WCYZ&^EO2W42BW#,-22%(7H][8-"&@>'WQ=ZFY056_%3 M,1KP4)479\-,Q4\C7LA0'WSFM_>FQ>2G\[LF\=L>M$;@]M.G#\OY^!A\A2KSA'`:2 M[R:F/C!0O=&#LW-B@PJKG^-C;O?/V64CV[OI@3B;G:7K?U_,)'*9^I.B_/&O M8V-!NYC^%I&=S>;_^_?9[_(S[\JX4SQ^NI28K`5GI^?7F_HY55&VV@2M(5ML M3W83(0>6%2NH3O2/SWC[F^P+@`URFS&Y6@,6+)"A:%NFR;IJP(Q;D-V]N;K7 MNM'>'BGH0`!5EY`=6XFJJ^K]"Y&HKLNPO/S=-[RGQFH6VYZU\Q*&RK.5E[5G MF$VBD5U:+F]?^7':_3[.$!RY4H$<9J]!K(_MJLI90>3%'N??SK_.+BZ?]'*& MQ(K1E)"J28VX5\QG3_X1Z%';6+RW6V/[L^WK2ALD%$,K_H;D4(.S6M?&OG#; M(5I@'&T^`>5\V$J)/O)2/WT1=V?#I?9L15Q1/IF4LR+E@%%@X*D&7L=5@2=A M*YV[XB;[`F"#H#HCT5DI$LCGFI7/K9VVZQU7W=BB9ZUQ!W&E_7D&I9E+)V]I MU?)T6?O>]FF3*C"XN;"5WGW&^V]X46,.X%T`!I*KU;:"J]>BY>!E*,)HTOH@ M;K2W)VI,;L.)$-L*KA`J:-<3OYG$J5^UNW4O]_]62VY]P,^MB*PV:'6KTBO% M7.4-+MW[2[ABU9KX__?O>'?8':ZQR2D%E9+&XF/PT4G*/J4*R#$KTWV)&,HH)H^\QLX=T]\D"=8]@9L5 M?V(G,A<$5I:F%\_96$9*[I,P*-?=#KCWZ^'#EB,Y'SFD2"EX+X$E3MEI:R3* M'.\V*,Y7OIL>*[B_?)R=GR[GBWLE[(O^]7CV?U<7EUNLLJGD=>OM*YP+QRAO M8$^'617L"G;`>_FPXT&G?_+#HG@BXP3-P4%D?E[7(><*HA,76)&+F5S2H6]W4@7'AF`87>77OMXZ MU59S"V.R3BR_E`\^38WPF-TX`W@"H^-T`/=[\0$"[R5ZM^)O&Q,")(5QVA"" M@+!N%_-Q(O:XL0(7HDHQ0]L!!C?5P*X;1%W`AO3.\:&T_9Q!CE2H5.L4Y"I8 M((;):1:]N:ZD?I3(/*JU4/"QX($9D3W7!#7VC%HQ;HQJWX9RVJGCD+-#+IX, M*4SRP1ISUWW)\.IOWK"48&TH/S=>V/^LU?>0BAB:DHE44^6L%A]ZB M9T&/)'TPEC9?^6[KV(:TCJKJXE,I$C;8$'L#IUBXM20)!W"MM8EGELC85.5J MAVRO,%P4J]BDW%9F:*/9LK(^3)T)>>V:KN,$;-OP MX7N0M$KRCFTN-F8"J*5/' M`I!9UQ5_E.!L#A[^R]Z5-;=Q).G_,N_:J,RZ7R:BSK4C[*56UC[LTP1,@A;" M,J$%2,UH?_UFD:PF@&HTT&"#I+T*^X'!0\BL(^O+Z\O-6\:,PPP)##E702F- M,F)UK:"GL>W/OCIC?`7>U*R`]3U5@;.D6OR'#+/*6,U&B"PG>LWF&(]+-ZDJAU*T\92 ML5/*04M'7O1E.E>%'!C]R#3M"^MV`(5:EU04(@6E$Z$$S<,33470<5R*=*QJ M2[(E#R?5SVKX.@VUX3(A,.Q(*E;3AW(HZE%ER%]M!4Y)I#I/K0!NZOEU< M/OYA^#2__)V^/6HS&$N!)P.@4V$F=DIU`23EHCYM,_KEFDB;0?+!&),A^3A@ M"89E87@U;RJYMMSRJ&T9ITWZUQ=RD_KH.@93\(3\`Z$X:X(I)028<^4D%Y;> MGV8?2G$EVR?YHPSC1=P?F;$E,YR,UN0+>[(YGG!G31.RE)N"LG=J=ZS8%/*= M-17.(]UF'HTBBU1&)DN,G88YM)Z^P=T(S0MJ>'(ZVTGA70I`3T@L!+/1=926 M+GG1N@U:JUK$V:TY/MIY:Q*$@L=7:60^:4#VY/TH;,NY=L-'D]C`KN1M* MG4"^_>9$:>>LY,9%7QB5"%*G*I^0K.>R*3J&D\NW/UC+`YJ28%)DD`G_2R$J M`Y2P!(F;"`3)MUOK/H%\`QB*)]0(W+O2KZP21F/K_EIEVR0``?F]S_;I\@UB M5AE#TA9BJ>\+!/2DJ>D7\J7:=@%4&L2)(CZ`V[%OKDPD&J?])4A-F$%9E:J3 M5USAIC2,UGOOD_L@P6CY!NK6,"HN')D9EX0/26#H/#7(MAWC)/7>"WRB<.=\ M;;G/!,T`">@8H*^-+J7?R4YNL06Z-8BF&7(K%).LPD\7< MEFQ/K^/@.QL9([@CT*`HX9;%R]S-ME&K5X=\6B75QO3"U;+;_,5\<$>=B6(T[V#:SGPJF$VK^[-_4?^[>]F0\8!*4X75^X75]J@LH@H3;+`""M'J$:;B^PTD,8G<$N%5L85)O]%>=8PG,B4:^=AIR!'#P12R]LZE`0 M%![0GK@/?T453T:C:`G4!2D!R>T)$1VX#HV21JV>NV,KIM%S$)&ZQ+PI7=@" M2V,G.82V`U7,M;CEG=X933&1C$,W-HF2O3`B.*.=B9;[REXD4^&+/IAGFD[& M%^\*,-PI>GI\"HS\`[*6R56&\.C]('O\ZVE]4F4_MXE'LLV6WK22'F'X5-D/ MJHW'OP5-CZ_.-RAY#"7NP9'\&)Y3K46D_UT;^7@+VIU4)!.L$%KKX@@Y(UUY MRBH50$BJ+=]["XJ.*G'1PCC)%4^&2?+B8AGMT_59V$'._E=3<$PA1@B0T*.3 M7B-F\F-1=D->C3]/(MS\.8!,3AM,J&@P^"1#Z:"5WF0=NI=651$UZUJ;&WP%._]`?<+\X2#`2//.,H6!9 M!^L[/QMU$TO9+0R93L27KC`FE"B"E5XR%X)G(6!7$N,=%T.M=Z^G]"E5PE&H MJ+C*.I?V[!QHRT6U@$'G(;;,5U/TZ$I?>K-R,,Y[7>IH0D9ENZ(MZ&&P>PO* MG=;J%VW*]``XPHZ:!\L28#VN=&F'J-)?3=%10$2@-LII>J6Q$`&;3)"K8P>+ M@PS4KZ;@&"`"3N<(V0@=-"OC,5*H'0WTQ+;)DE/T^ZEPWJ_SW>W=:O[SXF;Q MQ]T?=49H',D3[[AVR6+,]-1'Y8$IK&W]$%A;0P&$Y?9$;H:E.D63<+('!,-$"0'D9YBCZ/LIVBUH\W>7FW^N_Y;#6NF!!< M:9;V!@A!*F:<5H9U>R5CJQKC)VW5AGRGJ??AP>25?R'3,SU*R1BTT8$YZ[TC M`YA*<*D+=#IL\V6G'LA&S--T_?AI-9^/W\M"(NP,4X5+@UFK(7?S&0!,3P?C M;DW!"0*>J.`_E^/5TV0%-1BPR,G)`0_D>E;URO30]A:*/<'28\4[1;F/!"CG MLVMZF$"[7S^7[W^8 M?YW?W(W.&P9G,ZA8DD@!)7D)473GLG`I'_-\'2/7D$8?RGO\4,AS0OZK9!R, ML9D`5":8D35"I30$;]OZ?I#2#.W.MC1[Y*:G^GX\RO5R]<_9ZNKP9=FGY[,$6[O:!"%^^ ML;QQ-P_1S??+]>UJ?KM8W4,F/[^97R]NWW^>W6QLN)_3ZTXPZO+S;+U>7"\N M9R54^/3SDS=8:AM=4=9+%LG3],IW0QN]5,U1UG#TNIQ3S;>YU@=.H10N!1_H M79#D"&:#R=9YP\'JEM'K+[[.IQY9+D#QE,JP0Y.2%4;R+MA3BI![*J?U.0_M MZ+7:O^YYM?S#780?'TW_Q?63\3]UM2"3W59*)`9@:='05-,G@G,]S3Y2XM&K M]2Q-7FF]#LTEH;.%BMLL:'6<">04=SSCG+[55O#\Z5;KZ#-.XM#'__ML8V#:)\(5(H8DE>PP MO\"V4_/[YIUG\\:5*T@7LM&EN:&,,_,1:_!;Y)C#8-WD]TV;;M-&\ATGD9.U MR20GA+&(,J8:8L_D;S=W[3LZ.>/>'2J?V<(DY&:1GV4#8\`Y!&=]Y8./!#8' M.P?^O^W9R5$310YMR(F[P($3YA.Q1G*C"VT(%$!,Z=F.UN]-K>V!F($R4EL, MQI7N%Q0!A*MDB0%T.RGRC:_J?]W0W?V\^-_YU0_+SU=D>.NYO[C92$:L%NM" M@'57:+#>SU>+Y=7)20;M'3F61B2!1LL<$;LV!1Y[:)0EFN-B5,_5Y#67ZQ^7 ML]77?SS,+0^/YV!^]9!`??:D96U?BP-.OO0RX`NH8O.6U;RD5ID7=N/G0\MM2>8GK1E%7:$&@<,=J%2 M"5Q%Y80&*-5^_*GL0K(F(J$U[TD*GRS79,O+60`$Q(3216`&4S?_RTKLF=ZF MIU'C$)QP,:;D@V:HE%)\&IQ(5!V\*&9"+H20&O6)&5490%7UN_"G3%'#N?/IHT:8K[`N. MF\R4,1YRBK8,1*U'7!,X;!/JNV7ISU)EJ)H..61``@***P)AR=*-JU63$'I$ M8[MLG\^6;;I[J!*9$6E]QEA*QB%UX2D7.;:=')KUQ*<&5?F/Y(1+^)A=A2>ID?A51`3D+S]M!-Z[ELK1PGR7H0G$?CH!BS9*,0$)\F@03F M6G`.O6[C,;(^<3>1JYV7*W+,E^L*>4>9#6Z]!Q^C!A%1*R54Y3:564!;20E\ MMS'\H#P3B-\B>/^M^_*'!:W6ZO+3MWL\?Q#PPX%Q+A)5-C)ED`&M9#SP"G:L ME6&P]_'/MA0]O@_;PGU6I>@8^F!8F=SFNR:&PJQTL%#BK$LQV+XE6)2L,&E! M2,:`Z7B^%).Y!:R"BQZC<6[Q7_!0$U+TUMJ`":)"I8.N597268V#_:Y_MJ4X M=*BCM"PJ*)BMT#GG[.LP!!O5X+"OD4M1FZCHE]ZOEI?S^=6ZQ$GS_(KT^?S# M?5!U=N-G-[_?YR3&1RE9#"9RB)&@GRL,1]47)_L%/:70.YR>(^6;5+<#+VGA M.$L6`T'7+$-D*8>.2,7+MMM'[/3ZG$&U\@=KVO*'?JSQ,$9(4;JR921T;LI( M@NKST/DSS0541DAVC$K;8DV@R"$*12P=-X8%IPC<:-2%;_PQ`*G!-:D%I?1. M#&@R17Y>KFY_F_TV_V6^^KJX)+3T8?';I]N]09IS!@EI=TG+Z#E*3");L$\3 M!(,70T9EG')3KLL+!$^5<&5DH"=SY$/T"LB9J\%3A$%BLFG6Y:-=5LPJ82VWL2+$,H6F:5$`+MC> MNWR,@+W*?5RZR_^Y6ZSF^_MS1J=D$QJ5N'1,(@%LIC#L7%=1J5\2QWL]T3MC.Y'WRRLRAU;^)^F'\NL.''FZ_S==O- M=PS1N"/X5IBQ>4#)F>#,=4->0T\G;/&:[;!"_8)-HLRAZG;#4!@0D*U7/@*/ MM19;1";:&4B&P&H_BGF6,H\1N?K+HV\. M+Z?<#7)5C6/,64(I!!R52N:)[M3YEF&,R6$]]DHVE4('-H81I,B9>4N`F)!B M3EIU]R,(V81GT!RXZF,52G]\^;S\-C\!\1)TYPCD4RD/HL0:NRX+'D,[#Z$? MP&$,%K`0SZ&MN`-).;IK``*IW4WV4]J-E0DNX=Z:"B@1\!3EO&H(DG%)?FXQ2P]$A6*S`>AZ+1BO^B2#(6#R#)+ M#Y"#0QDC(7556\X4`7;=O)@ONR0G#O7*+*-4EHRU"SYH%:/K3+9G+4=*4S^W M_?%C)#N4+@[(2O\->)^-"Z5)K4NS\M1291XKT^J25I"@_\5UK77O'WI(U[)^ M=>CFB"V.1K1!WS.-EP'5.6;93I8!?9O3&BU*?X),IY!2[E?2T?H MA%O0/A+4*J/6T->8+E?;Y2P;6DHC7UW+4$94W)<>SM<7UX_?';7!Y(@9LHHQ MAD*.FI0T-0;#0][*VCZI3CB'/U/U7L%?:CT&CH)RFD4K`)--Y#M`PMB]T/2' M_>O!M<6WN1X_+V_FWWZ>K7Z?CSH5$2V(*(S2WI5\AX]=+I\G&_I7`25[[K7? M$/>\N@^<`.M$+GA2DE.^Z>/XIZ/IT']CIFS,+RDM!T,0>?3*[I`H[.8[_. M9ALQ3*7S5O/33POR0:[N*\H??C"_N6SI&@?F-SF3F*4$XRKR$$N]G MJXO5?3O-U7VDMW[*H<9RU^ZIP&P3#:WO/^9O?Q>%^W.?^+NR/$?L@1&6C*XCF,92 M[%9>X%9C_WG$_G&]ONL1&?\3?HG[A`YHE,Q>)L!2.<&"EAV+L M34D."GQQ=[N^G=V4:O(QY\-&H/]2D$8Q0H`D@\L9N[*ER*7*$\O]E'\*I>-Z\>M=L:GWWWBHN&M\9#HIN[.C MU%8;M@LV.*,$]X[]'WO7UMO&D:S_RF+?[=/WKEK@//1U86`3YW:09ZU,VP1D MR:`D)_[WIYI2#\EIUB82M)>S%P^:W$1/^] MF&U>RT-O50S9)"SMU"IZ$9UD'3(#F:L6'4_KH1/9@\`]F(NS_[87:^J>>.L" M<[8,C046,#IK:MK?"].F_4<9+D0_E+>)N^6%3S:*!,6?(K(^>L6CS#QX$:1@P)9Q]HPZW)T@[GJQ_#VGZO+3[_-%E^V\;BM^K^A MN0UI:Z63CHRB*.M!^IHO,(QM&8&2^[VQ=9KV8&'S';K+#RL'?V_5L='4X+PG M-U&2KTZ^E@U&=0.8''D_AB+5P9NFA@?1N9/5'\YN[HOJ]!-?[PLN]//A[.+B M^OW'Z;H>@+0'SR8["K^,TV20.^61O%!M/9WK?@EZ"K)/)HBC-ORD1%?'R)1# MJ4]0.*XZOTPQ)QIAONE[92]#DF--@R&'E4/!KT1I>JO2O[=L'*NLZ5E`TT944` MO$>7Y)YH_B2'=^,__VH"[#[,EQY8%XS$F5_HD8:X1HRA+'I@5Z MP!SO0=Z4K$WMWF>'207CDY.)D;<%P7>)E93B8$'Y":4P\J:]HZ!?6:,T]\+G M"'2^M8`/=-2-7C-#CN33,#?9$:?2#NPR76R92;NGTF';N9]>#>%_/*44QKJW M&!1H4F4"';3P2HJZN5@GFZ#!D1J.%9Z&N>F"/>&"*_&%Q*Q)@:'VM<#!'`X" M?4XEA6+42`;!(++H-W+'?CSV#2T'K/Z3D\R%'=8FTW//88!7V;HY">,<-`B%R; M`159F\9CEUSWP"$.H6XZML::Q+(QV3H6,A;+"=F:ZD24N?6V'Q80=T=DIV-K MS!5T9=9&!I"AS)9`\M!%F2!,!'`Q\[GV!R-&7(9,B M!;1%D_/F918\<;':C9:%:$,P;L68T>]1]$CZQZ:GLG>)S+LNY3ZR'2*FFA8* M7+?@'8^A_./L^GH)[I\?,`Q"01"$[*QU+I&!3I9(K5K'TP-H\E>LR=UL_/[# MB!OK5R<*#$.>;7#,H\VN"TR$-^W$!.HFPSA,W/QFZQ;PL34ECG.+%#391+ZI M=.&SC#9&!ES70^=X1BP11:S2C1Y]P%B'DGW&OC[CA_U MWW_[_G6V$6+[V_D2(Y*^K7[Y[LO7Q=6WY0C*&`2Y(9N"!@(33"5I`MF45"5B MN6RGL"1_[@+)MPLB^7:QQ-^8_UF^&I,"<$&F*(A(3C6J`"A2UY.8*$9J9V5* M^/Z\Q?"?,PJ@1Y)J@)X;J6U*+C)!KK?N#I^"C#;]U+2C/3NF"SC$YZN+#P<\ M@90@98>\[%#@(".F.B]MRA+)=N^ND$T(?"0Q#.[WELS$[,I^4Z]%B%+GM<-S MC6TGHJ%Q3HY']Q/H,IFDBJHT*'!KR/ZHC+Z3B'5M594IRRO#`NY9>!+4-'1&?NQCV4&;1I+@ZD*2WVKV!IU-F M#V;Z`8N)HJR>IDFO!M2RS M>UZW+21_FY?@@2+>$OU6"*3B)Q^>1C0^(YDU#>"R1I7*-$8-&I)23:GTC91M M2#M`SV-(5S_S(=*3XIA"TME2G&A5(J>UZT"+V*(SOX'63A^-XVNZ_]?[?08,T., MU+$KHSYWWQ_9?9UZO%S6S, M&H'WR]?B@[\=KI^U-RK_J-GAOGYI&5T`^UY$)$;Y;-!G?W ME?[9!/%O9%NJ/![E@V4%%ZV-:+@@+>>*-]QMN2\``ZUN4Z))B!R5\O7-IE>W M96OUU_7>6KVT7>6SJEAN$45Y', M2.++V_,RF+7/:XOD"9$M@:12#F0:@^*=+F*<-XF+ M-UR]=/'$/"+5N]UR,)"X3IPY@Z3X@V*U5F$*$&]C$2T_ ME474/\O=-R0H$00Y8J%L$*#`+-=%1D;2HVIQ^+@^50PT%"W3G5;(4S+H$+3) MFKN*MZZC;F%>I3G=Q1XNOP,SUGFI,M#Y:\]U-[*MI'">;!3B?2X4@PV">\X M*)#>J$YDN4VGT'TRI\HH'$=D!WJ52BKK)"9RFIPQVB18E7"5:)LT3N53'DLX M>_J4VCGOI2[(\UPIGUCRU:?TUOLF*2+L@P6SNMOO_[B\@Z^Y6P-\<7'U1YGV MO=M2^>[RO*S:GL79W9\'S\7D$"0(CER*F$(*`;#;,*!@J-?R@10>ARYSVP=_G-Y_???EZ>S/[4)&]?EK, MOLQOOQP&/BO*B*)&F:,,UG@ZO`I6$"2#)O9#;7M,C1/T>`X&%[P)QX3+)AD; MZ&4)PW3=;Y$E]C&?EKDB^6@6-K9J+W=IGY_??KF]*"A1NY;(WL/+/F[3M41& M[J_U7!:TDZ1<[!SWLB.GG:W5V+^%TQ%_.JF,O$VILQ9T<[VW%,A07"-"3>Y+ M=*$%I3^52,ABSL_I,\+9]>?EM.KUYU)7_'9V,>N#OH^NBXRHR^Y"#L0A8@%3 MJF4`D6UH>H-,"40WV1RFYM&D'WD]5J^U)*#GD>R-BC+Z8+TUM=RKA1S:4_*B MY"#&Y`#<:FVT(KZ7(8M>^!0KF M!MNKGT0./Y"!O[V#)O=GU_--Z`7R%8A'\A8^=C_1?1'GUV6+&?WLB$3(/@@; M3**0I`#R.?(E4[6.'LQ3:XTAPZX5D*.FA8J4(G%/9SE03C<)L(O^>]FI/+(F6W8DSAR:#(Z7-@K(D@1>D8[^9AHF^[&IY:#L=7>$@J#C1#1O:/G`30JJ)] M&955"SKRV/MQVR!_C*+',C#8A<WQ(4VDY,I2C,R8S8X,DG:F!LH>L.T:XVW@=4?H?M1/C-;A*$**.MEL M0+``Y<^:C',^M"-_JA\B'T+[Q#`4*:H@K$;ARM84E!"K'Z!1N3:]5-JGQZG_ M]>SB;#&?7?]^]FE6,G[O/]+=FBVN"TT4Y2T#P4.#\^1*,X8`>KVHO'(6Z]1* M`2A(3:\OY]#;\+H/58]G8VQV6J@8O,ZN=)8(Z2F^J+$52PZ:3!?GNE<,.)R- MNAQR"4'F;CJ][[Z4Y&RC@^2R9>ZXP'C>DB:3RIS2HR)A::YR+,2>D^ZIDQE,ZJD.FYN;+;TXMN M:S8IA=PHZ5/S?L)X`3FY/S&0$R%!@8.`W62EM)XWB8&7*86Q:`%,8F5!"#G( MH&(D]>SJ8Y#2M=LJ7Z841J,$43IKO#?<0Y00HDQ=[`BR;6-Z!L_B^(&"S,"M M(TVN>2RM.KP;Q2OTO M1Z;[J/J]]'$*D3.GU^R9XV&%9I4CM#UBI^;]E/J]3#NQ!#8"%RX`!MF5/!2D MYAJ\3"F,Z?Q;$+W@)+*`/3`,F0?, MU@IIM$YPV@9AS&YV?%]]RSV2I/OC;+$#]N\NR0VW^;58F M0^\N77OUV$84HH/DR2COR2@%9#9U>XH=$^NG65?=K(OK5!*9YASN/NO]Q^'E M41)I]0<*-I9[ M69ZM_5D:[N$TVC(E7)9M!!Z+8O*4# M)*^]AIPVT*)";3#$N3V0.8^[P%*3.S M7PI]ZT=3BNA"*]##QQ%9:4`*94%NM"&FB*YVZWI+-W[[<;PB:W.BXRA82L+@ MV'$PSD0(FG,ZB5CJ`D&R[CBLW78?U_-_7?%.?-_OF/_WF5(BL5?+)M8_?7,1=C",8B M^?FB5+Q@=7^SV[;!ES/[`N_O[[/YI\\4NKMOL\79I]F&[)ZARE]?RNTLPX+W M3=Z-+6L*.>/077$=>D79M3WIYJV=(KX_3)A_I0,<,!+K!PB))V6]1>D8@@F. M3$#WR!+@K@,4VKXU\N\3?!+#0MHP6Y&5-8GG8#P=8!W**T7@M./03F9=GJ$T M!VR.V&@,\A%188"84465HA)5LD;TL8E7SP'M6SU%BY,BATU$RJ8`RHBDXL3,!M!:=7)I_A)P;D\RFFBJ_'"FIHZ;+H5D>PK96F M%R2?][8*P:+)@7J/641>$+EN8@FU%4?*@`7L$4Z5IH)D]\- M`R<6SW!-R0301GB=(%AF68J1U;9+8(9J"DEX1AST0+*F$-D9250 MO3K1YVW=`8I-66][:MD,U)1BR-JQH&*B]^6L"*GBCAM&SM`VI2-?FVR>4;*> M/'0=2W[`400I!-?(0O4AF.3;M-RTR?J_R''LF:S/5J7`K(TV.FZCYIB[D#Y9 ML*:WLT)S:BE2RDP[)3 MB&$LTQRF&D:14G_.>Y5S8F\/BGHG9?$Y27J5*23HRS0+%S+R+=4SL M+SM:()M8+P*:XM32OA`-I^7C%O=P#?@Y0KL#"]K-R*04-$+UQ6_ M6-A=_%+F[2$![:L6<:LCUJ\QQ14IBI+'Q2BT0U$V']VK7^_[\^9K(D;U5AW2 M;/FL9;R9\II02X`#X$J7M>#29:_`=Y/``L'Q$_D.^_/W;.3::H:-O@8%1F@* MQXPT@-P$TPTC8LI]1)"_Y;JORT">;?`8A.?9J9R,_'_VKK6WS5M)_Y=^3\$A MAT/R2P%>%P5.-MV>[`+]Z,3*J;".54@V>KJ_?H=R^%H2=7OEJYP615"HCC4S M)&>>AYP+ZI;3$^LU]'-`AD0 MK5YVMZQ91AEJ&U4[(A7YT2UQ%M8_*6V9A*<@19_@92(@K)SP?MLAN(8Q:3FE%>P9UB#+5DTRPH\]EW[ MB86+J]IK&XYX\%L-]B['8!1A'=K*""H*&5IK)ZFU%3LQJM)]N'\E)CB?M>E? M&U?7)EKRUGB"1+Q,X*)Q`T6SC!YVYR?J'V$S&?B5F.!\UF;CJ7-U84I"AGM! MA-J=V&GE?6S>,T:9=A\:;7^$S8>+5Z+_^2R,WKTPTA@3:G:08V0=BA&D6I]) MM'FS.=3ZI09LUD:]$OW/:F%>47I^"D(E+#;KZ.ML1/Y+^?Y5RP[EO^(1^[OV^1'%A:`E1YB2%9[X!5BWJF'PH+:[7U, M8<$K,?@+[H1?)U\OIE66R&L^9_O>7EQ]G,R_RD,#P9XS)*_,8<)(.9EH2K:: M=(JHVMI#H/C#3[_(W]Q[D.FE%GJG/?]>X_VA]GY.&A]KT$;XHF31(GHR`T\% M6X#7&'Z3[_'O)7[E2[P[@H:]"^P8(4>5!VB:;;!\>/1O^-Z]]L.SO(9>+&XGE^EVSC]]]\)T)]2R M85MG?/E?:L]KF2PQV#HIAW><(ENP#BKX-O((T&RK\Y%*@K2K]RL'A3I>A]IL M?[Z8+'_FGW]<36_ZPI/]"@D$PB3(>D0?G-"V]2_7R^2L;2\?1+!&1<<)>+QR M*]MDV")C*R!UB`%`,=DN7D$V&;`EFR51MO:4$D>JME6\Q]9N?RJ=4-ZI&.I+ M;9TW08E,&TBC%).(UZ[=_J=I;QU2%M7C:%Z_G'*X[Y5&Z46TNVL6N_RXS.9U M6,V6`P<;U^?O]%HG;&452##L6HU6M:.7:U47+E'71%.6K0`2CEI,-2`B)[-)8Z#FTV;?#=:#,-_'DO]IH`8^7;UZ@;0BJ> M/*CD4D+&=RFTOA>12NDF$6ET&Z-^1\OW\_7GJ]L:HNHLZYKQ<',SGWZZO5G. M+)[]Y^RZRC^?75WQC[0)IT<\MJS/6\W*>;`Q2Y6R)J.M:_Z+-8#4J45&Z0-J MG2+W\YGB'O?4X;TU5>3N*RJJF%W7;)*U[L5'C`X]-,:B/KY"H2AKOA9O&Y]; MG4'TO,E[$ZOORL"7E]/ZC1=7OUQ,+W^^CA=_3&\NK@X-T`L^9LU'C$%$$<9Z M*P>&7=QF&ESU3+9#Z?7!ZS/;,Q MTB03D*%UD9E$;`FO&+5(73=UU'40UW=DSX>F;J@$(D=*"@203`AE*#Y2 MD+H)Z^^0`=DA)/.F#/IQOAQG\-<7+T(VUU02`WXU-C\?=P5K#-B1CK7?92UW+5K_9 MD3_L9QN?*T8<;\230#=E0\I8XB^DX)(SHDTKYK,N0W>#]$Z==0AZ0LCMLI'1 M2\FH6WG++";9;]>^F#-2QPC/&7*/-^5(O!T#U>="HUR!'+,.'(6:,4F[?EOV M4\#?LC7'@&T,*J4$:`-%(5/"'-J^C!`V6]>>-=C>>Q7-T+H.#'*UF,B`MAH: M:)3.J_Y"\8BKZ%=LAT<#VX'(^:)\0)>E<#H5V]Y[7#3]0.]SM]MS@^T4@@@@ MHA'H32$E$$^YX$MA-#0:W)<[`PHJ28Y#"W'+7*JK_G MQK,E,.-M>CS8UE%:`J^]CXP1151:M%2>1$3=WCQ;L#W>B">!;><`T7NP$A4( M)22UND),)OKN%O$[L>4XF,WA)7!(DKXD%%FIG%I3WQQ#_Z1\SC![O"E'PNP2 MI!,J^>397_J"Q0U]W*-/Q6^!V5+0=V/-,3`;2E1)!M+DID-K59= M7B]KRI1:W\Y#(CU0@3Z';%6!G)*K'4:7I?=\X&@H0]'>N&)>@0)]FMC: M"A02*60)&HRJ:X!#>WJ&#FOY&X^O0)I\&IW30ZX&$N6]%6`=&D;D0TYB\EET MK\\6Q4;*R88$X\3;F^8%4M?IP"%%`/;+@+%=>B9C1)>=]MBR[>/51%8J39:T MMB"],78H<$[:Z8?*]G$ZF7^XGM09\#7#^!O^'V4]4USF&LY00 MT'8HE@C7$<-V(4Z14G_I(_NO@\+AW1:L/L/X%2[*,*FQQL2_RAH\.3*;NDDT3KV<;A]GWW+R_6(QN>G[Q6PLXZKK MELXZKZDHT,)'$*1!#-X&UUC?BNMV#U%U0]HGU5SOUCQDOSLEUE'9\M MF^!.V>Y18V<@VI3B)$GW.;NDC`Z*`SDFQP!#FNS34`4=0I_=N"L4G2+I(P4C M6235DD(T1K(NVF4S3+<18+JPC[P$\A@=QGGL!VBW;X5\TNAE24D6!`*FF_>% MTH[ZA#3)2V1>4KN/L_JS0\'8";ZK$!I-+BJ;K")##9^39(`7MY]Z]2"-M\G\ M#%;8X_NQ`H/77$P'*1XS=URG!!K"RT? M&/GS0-M7W.C>SQ\CV:-IM&?UDDPFY@YE!OT[]K"&PZMWA$9? M)VGRQVPQO7E_<7,[G]Y,)XO?)A?UEXUR/,$(5:2WSG'H96H?8G,\I$3`/DL; M#/N>#<^S6Y8'"7U701LG\YOIE^EGYI.+#U^^_?W%2H6M$,ZMWB,J%&9YQB@<)40L%F5F3I]E-DJTVS/>M'VN M&O]VJ5^5PE*-4M@RY];%L)^)J41ABFVM7ADJJ!CZ/[814NVM2B6DJ$L:>F*#3OUUPZ-J^_'W^6249%3[!`X4LL@T,AGS)-B8B:$E^NH[\[=SN8VO\YVRD!RJ876$PH(-+O``9 MY+`Q>:]V'D@Z?23P85$>)//3>!^MF&>)&$W(F6.#`2-\\SX><[<^FO2QWN=Y M]!WI>=B];`D!]^,LSNGE>AT8!(,#2PV?A0&V@;$^MS M_]P&VMJ='/1)%#K!]W"`,2'X[(../K$GRF*XPU0*NUSJG"J'.O"SB]J2M,_)Y^_.=`Q MPY%==$)KX_B0"N]]@&Q:Q:QFS-PE::P*M_F]FU)=+[Y,YA]GRS3N7R<75WEQ MSGJR@>:%=4;+S$">G7D(V#!MT8C=OJTP7ZR+N5V0$\7MLW0VHJ$.V7KA MK+8B&!G%4$Z'#("Z'2F-T2?)NY)(=]?L:=R;J8G]UX^5;F]FA151<'Q("CVCT,C>L:TNI"V> MY\'2^<]W3QUQ5C.V;WZ?[>I?]VA%-,P#I8IU]F\.(+)7"5O2LB^Z=%[AG1(' M5.QU>+C2!UQ;+.316$M4C$@E&#VPA5*4Z).%-SW%\^GP:`N'%NOL(Z:%C&DE M8RI&5VWA(FW.;MT(.,^H[[B\YI.JEM;&L&-MD!XQ8?%1!RA$[?6Y%*979VJ6 MTYIJN1AK4U8.G@Q!K,BV%/X.B'V8;$`_YMSS8+/_)^M MQ#21H.[V\CST/ZG$)Z,V["1L0[@'/Q"V.J M8@1"BLN[11FC$M8(&C(>/'.D%]\+!_B186=&,C+:B2&S*RL"&S\*UO79#IMD M[OE4>+SN2C&9($FZ`D%))EC2M0M2+TIY>6>^V8G]F0JUM61:`A@);?@;&/<$DYA, MRV2=EZU)5F'2^EH\VW-@'N79ESLKG8O(5-`E&H;71V;T7;;P>9AB7%6R#M&1 M8.#GT>4,R8?6KZ9X%[HWDO,PP4C,DTNJ*=08BF$^Q`98Z6?H0CC3(S$&[CBC M!`F&"I:A#MD8I2ZMC;ST[E'1_W]?7WRM=<'_-[G\Q^SBNGJNZYE,%OS)RD^GZ>+S[);5_##G/?YU>OMUW".ER`R"0D:T*N;"45'2 M`!`BZ;XWDX7UFZ#'E/SY3++O"E,*73(:0U(90@CL!)M)8DZJBX?O]$8-Y!.: MA/?55?W)_^"C_.%ZQ[O+$==_063#V+UDS_^!+CDY5/3:F&*'?Z3<7/5=DIPJ M\`'L[FJW5`59(D55M'(4VRMO)!(]=M^@8*,%_L=LL7B(A9T5*J-3*5J;T5HJ MS<*DC),]9]1"[[+QIBRGBGS`QI8M[&K`]RD%)([]N4VJB1!,ETW!-!?-*2+_ MS\5\6OL>-$AR1W+B['HQNYI>5E@?+^;SOSA*^:_U/!R7G+^.Z-!XL$4DAK52 MEDQ&M>I5;S#W+Z`(=OTR[S0AGTC/(8!M_95LW_!7O+I8+.X>N=FY?/BRPASO MWL#YCSH8ZN+F]F8V_^OC_'9Q`W+QE M(UY.0!QJ?4]&!,>H49A44(>@=`VNFC0K:Y;*F0MU#R7<`.*KQ#NVUA%88,"7PYLJRWC>TJY;@ ME=IW#_L&S24/08M8GYXL+LU4(&H^D"TW23NG]^4[OT%S??R3.?5?L^N#14CL MR61.(1HHI(/W*K5W*S*ASWE^#JO=_?G^XM_3K[=?*UG*__YCMKB=3^Y^S[AN MR)BC$-8:<'6"HRFV%5FQ(R?H#I%F(BV.<#T'9'P:+5^4Z5#-F[2`2HA0F:.I M#*?UF@U[>WJ^,1,>P7/`\*Z3M5%GK8$O.M]/;I%>]/,J#;[M77<$UU&Z%&). M`TH:);+*7C63(7OSOHV)S+@WO],.\1Z0JM;M^N!=LJDDE*W' MD!;&R"T3O#:FI[P]DQW)?;R-26'VLN3@;5$RWA>5L4D[@FWLFS^CAX@/A*`\ MGV,5F`06XTH<[B08R4$_8`8XI%*Y(7P>5@74OVMTFJ#JD]F^5^YJ^=7ES=\RG6=/D^-Z^_ M;NS[5>T15(,$P/,0AZ2P=)\^WUFZSV)ZUL+/ MHYZV'KJB%4F&+TYS]R"KFN59_2#JZZ;G&IKN:);/N!L4+,IV.`8-UG*,6DS# M?1PAYGN:3@,=!ZH?<*O+F]>PU&SNC:_Q79'RU&:^V\,3\D3E+5&)$ZS=G+X,BDEF$;_IQDQ/773'JU_23;Z_3' MM72BJDSWN(%JNY[EST-]N1])U_,E]_,?&TVVESPA)I)*34-W1):N[F-1*65USG?4B*%(6V-C"S'",Q?:.T`3KG2-.0[DR2%]>X)MIF8PRUP@, M+W"MP+"TA>FN!ZN%=F?E<)CZ37/JHP=:W73/Z@VYNNHS@YOVV+)T2Z3(Z-;B MU)63>8VD;#_3J_$4W<,W8:@>6 MOFAX0#?4MB`8LXN0@/MZ3$2U5"\0Q?5$^2.#+.2=ZHCDL/4:<0;99W.Z#?1[ MR74*&*'4=CCW^9@$&B;XV4D7]<+6=07]IE%%>VFWIP\5X,`(/)N#6!PG&9ZA M/7?#4)E]>+A.*VCW4M5SZEN63;S`$AWE=.:XSCP&R&6.N;X'B2UZ(7SWHD^% M7==Q5<9YGJW0$K)/B>_+:#=OLZ5R)@S55$PAWK\HZ[[ MBR*>*D]"H0F4LFF:4O9\^%HTWO'@XY;^5I=A^F>99'HY[XBF]/[@/ M(!+S]NA(NEPQB=C,=31+]/$C!C9-C;CSW%C18&LYMVM1(LXPEEJ9'#G,2J:Z MGL>V/%5,F4&QICFV*<*[J&\2'R3*F##5/71*UH MP^?_85>=GQX2&JQ4!YO/E&KL!#/]I;_M*0>RK1.(X%?-Y2:QL.]<:BX26ZGE MF)O6DNE%-/L+L]P^0JFSV\VI/K$T[-FFI7-[GS`[4(UYI2+.P\:F]>.STW5- MK\?L=G.GH:L.-E71^A0SVQ!E<^-P#(U9N.`628V7(*? M9^9K3-NR:MS_.O_,7I"6KNE:+'`XW!CW;?R`>/IB9H&V;69,JV)FHEJSEXRX MU1!W9S6+#^E-9MBV'KBJ2D6J,'9-W9D7P-&8[ZYTNEWJPX9W3&7#@%X[_AV= MR$1"`W:YP\0LH@<^QH$YCUIG8FFVC7\[?%X__HT5MP]9%&Y5V1:U.6Q41K#- M/3^VJ#_"U&T]QPDFATQJXR@KF>FN1K6>IVN>IWG4$J7O3;Z6B_1$1W.VM`'$ MUG;;HZJ9#J+NEV]5UPO+*-IT<^'.5"[BF4]M6_0AG?&F;NN;N^1A3+8KY1T# MDS6?'8M%+%_S1`L5+\!%'JYN/&--7:F'>/+Y>-&("\R75HG1NO3.,V>8^ MPB>8R0?N.S]]"-,OT4'2SW,M-W!C'L1F2V.3 M.*L=X%%]+M@<[BQS`\$(J"'J$2X4[6IQ\)59':1HCY_5I_!1%,8Z:)VX?!85 MXGW?MYD6,*Z`@L6,-'-S6U.,Z78/>?NX),UF5T-:%GB&YSB^16S#Q=S=7P2E M<].",>FS$=M,-W:WFTZCWGSCYR[J1O&CV`JZ+_[A8W>&2??+5@/U>?C%!.^(12_N17#NPZ'\>?Q MS3#JY[>3L"?LUVOQY48U)W]N?:KX?=.HXO$@2N-\XWWW@XBO8Q[&PPPE?126 M9$3QC(XH71`2A<45XD5OQ9->\U:.K.[@AW`TN?V.Z/B6$2E/1=SD%Z/L)\-A M\C6[67OH6T[W`Y>@&PE*[+.0*^N$^3(53XG'/?Z$XOOR:\9)RI&S6-L\F8@' M__G\X+P@>3<:#F?7%)Z3^)Y-PN[\^^$L.`K3S_&X'&0XS9/Y#VDQK.*7KW$O M'_"K.2$>DK07I===3M!PDD4W\P]K3/H\[G3Q2:A>,=KQNROS"J5\18K/9''M MV[SW_#'=^(1B+.^N#.W-RA.>G[SQ:<\WDF/OPZ=^83LGN&U=9XS[*!R*;CB< ML=)#DN?):%7B48Z*99@L?R^O7_FIY&/QRXO#7,+NM^S\#!KK.`$K;BN_B:MO M1`'=N%O^\K64``_)L%<^^7LN;5$^2*89MPRSG4)K=446P^^5SFDS'/:&)D_3FNVXWBOK]M@C*XC91Y#1;,C?/ M"=ZM!)]Q=V&NK;%V/>CXO2S"O:XMSI>L'3G`1-1$6X==58.NEG2BIJW!&4#)5VD;G MT21K"YP;A-SF*KV+`2:1YZ%=.C`OWDF[3_)PN"L\HQI68YS5>LE4Q"*\Y@3G MHK:>]B5@X[>@#',];JR:]5">UL$ M+VZ\?L/G']\>$L"[3\3O_L&^S&6Z*K(7?-O57:8Z@3]/K<.>:JLG#_:5M*+% MU[5`%=MU[_[/]]#/'^_].__3/;KS7?_G_[>=]_[.53[#!(YG20BMAM!J"*V& MT&H(K:Z'!P&AU2V,=X70:@BMAM#J!@A*"*VNY39+ZZ,3(;0:3J3/KEE!>('P M.D9X06@UG-I#:#5$D]9.V8-.!S!<#!C`GX?0ZG-'<$)H-3BR35)Z%P-,"*T& M)PU"JR$\L:WAB1!:#:[UJ:T,D%T@NR"TNH:RJ[K0ZO6H:K?W(Y)G8-;)CS7@NVXVKZR6.IEX-$I0?W?NH.HMYTR`W&44FO."IB M>+M++1+$]]ZLE4,_25$^B-`3YP$4\4'U*@KW5=#&^*QCG@U!OW4-^J7J*Z-^ MJ=F08%JK(>.$^<'\ZCS.UL\/@NZKMV;+KQ6&W=>,C+5ST9\-@->>!%2\X5]] M:/BO_,JDA_($S1V6(]RI`PZ63Q]\OS_&JZ>V:,$#.):/8\CY6&.U@J#\68B@ MW],.,!TPW0F8CEQ3SFT9L!NPVTGRVJX9L!NPVZG8C?TOH8`RJ'E_N>NY^;&7Z-4O&3]M&W+X=5)!Y?T48&6:KRWL@2.S4B7.WDD71Y77&<;7WB@%Z1/EN3$!]35XC$`.RV!UB#F`$Q`V+F M<%IHBJXQD#(@94#*@)2I3,JH"M9!RH"4`2D#4J;"\@Z*951?$0VD#$@9D#*7 M*V4(UA234)`S(&?.*V>JJS-QQNT(VC&K5^'K7%(=A21+XKW/79H71"_]L(J( MPRHB\[`*1%)K:\,1[CU0:<$4EZ*\`1"M!02EW,S%``@`!`"B!(2AF%A:Q2`` M!`"BX8#@>#!UP`/@`?!0XL%45"IM8Q``<3&`J!8$Y]O-8U9'7@AC6_``X>4[ M3&RQ8\<@O+QF>K@M%:T)42B%."3`%F"K@A`_U=J[C2A`"Z`%T-H[K@U@!;`" M6$FW!C4`%@`+@%4!L!33E-?4"[`%V#H_X6JRI6ITP,NJ=JNU73NJZINR>R6? MJRRV`;'3VA/,DA@F)52:$&Z++`%4`"H`%8`*0`6@`E`!J-AF;P,6``N`!<`" M8`%"(<%:@H!(&6Q38&C#IX/*&C>(HLV22M5T[=ZV&M#.>[DS]2O*R32ASSC M*$,?HZ_H+AF%VX7$TNW#>!Q=#\HVOH3B-[=+2_3'-,OC_E/Y4SSF8B>_44W. M#S*%S_T@0OUDR$4;9SI4K`A*HTD:9?QU&R^:)%E<_.E[3F^%$QPE*1HE*;]K0XOD8P;X(4R[@V<1R8BRN17X,<]&HX*7 M^,1[Y?_$="?\\J27(4[Q8J:]FYV\O>=BKH5+;&6)%1&,^7(OK[_XOOR:<9*. MPN&*$"'BFL6#RQ7M1L/A[)IW5_BJ^,[E1'?^_7!F'H7IYWA<#C*Q[T<'K.0:NK&$+\]`FR*L;R[ M,O4W+\K+53TPNY$<>Q\]R0N;E_TG3_^4W\35-W'.']XM?UGKC?X]1S0'>#+- MPG$O.\`46,R)51"S^@)!:V^*7CSGK?'9AYE.V:TV@,6J9;$:^8[56=WV)(V' M:&81H3Q!_YB.(\3P%A,)FKS)WS%K?I,W:BJ&O%K_4&BAQ0JON.T?T^'3LLSY M%$WR:/00I<<(GM;F`RFZO+Z)%PV=BU#DOW3S1"!H"5;%O@>:;7<<,>J*U;W5"("GV?0&_MR2]RL_(@K@/B M.JHJTZDK1%Z'1XCKV%=>'GG&N_4$=^F8=Q"./T?9W?RL,LSC9&R/>[^%:1J. M\Z<[_FOZ&&6'G@"[Q#,I=C7;(:9-##^P")N=`*NFI])3G@`7*UOY\6]Y1/@0 M#9.O*)N.1F'*K\E0MR2P.#5)INGSH7!!Z,)L^CHC-4IGM)X?H_;CC&-&SOFO MM,/>SD[V/61%6G.(6\$)K?;:$UIVZA/:8^]3X62WZ2>[-2-BO8[=#CF67#6( MUBV;TQQ;5E2=9-LQ[]+^W-Y;WDUW)>69Y'<[[8G)E%,WS**Y::&@L(@X6Z&Z M^AH+8V7\V72R90DX)6_7#(+GI^B3O'C(?Y/_*<;"'W2(I=R@E:^=<#K=F?5% M;16T?">`FO(J*("37W_#5![G?(QR-$F3QS@3^JJ?I,MJ:IAD&?>TZJ./:"7Z M"-1.:X]^"+2O!F-]E^Q+(S[/?T>]2Y%U-5K(Y@K!ML285%#3%@)-ZF%AU&I+ M0ZN16*UF2P.DYSFB("YI!V-?`C9\)T/%)ZSD%+1P5D;`4T9",1G$^ M$GG7AP8MZ)ZJNAZS'%OW-,L(F.;;\[1UC"VW?4$+3CC^@@9A#R73/,NYJA5Q M!\.H_'_WF9*%%A;T2SF=IN$0)0]\E,729-7EJ$MYJK`/RM3\#%+0:Y.";KXR MP,'03AVH@)L245'O"3;$G6EF)`9$&FR/-#AW+F_+O"]@M9VLMG6VX@%Z!(-??3#3O(_'9=WA;AKUXKP*&+4E7DE3F"9MT[#U M)EV#T-5<#=46:.D*4<%;`F]I7Z45Y7F45JRV&@8ARO8^9;@4JZ]^D&BNIFD: M&E1IEEI;T-!T'ZAVV#E#R#%D4T/AM5M54S0J3=E#W35P8T%`@H!LD8`D5"%, MWDX=",@]SODR1PKTDUZ-L>,8N@A'(;C;E1F;)21B5$/A9S11=AE!+ M#G[+;^)J2)<\.9/:1;MZD'^G/W>]0&;[-4K%2\0N1-$+"SE9=(,''9'P]/].[ M?HC"HGU<+QJ%![7CE0YL2%X_<&?JC,GK6#$VG-I"/@;$B)TV1JRR]*;S8;MM%AQV\_?[GIW!U'W"_]P M`'NUM2("PXJI2ZNQJ8T*-$(`#P*&\#7>(M-YW`(>+@4-; MS26J*M20=E`'@+@80+15/Z@=`_0#P`'@`.82A&0>RBV?PD<^K$J:=K2E!+2E M*1A;LB`%YYOU@56S=%(;#UJ(V<%07KV6'`+0:C:T<(<:@*PZ,DC+D'5Y!J&I M8`V24`!;H+7D&X16ATK;O@!H`;1J0+B:0`L,PJIW#-NT,?B!D^P)C<+T2\1O M+7<)4=CM'E@%I*VGL$0U%0-+RWIH"VSJAY!FZ9T&JQ=J=H@)>``\`!YFYI8J M[=`(X'`Q<&BMP40-19?7I1H0<3&(:*N"H%H'0Z0.X`'PL#"8``XRMJ%JM.M; MW?Z4*Z;>YY,7G<&2/NJ5%4*KL+3:*NY@T%NUY!"` M5K.A13H8XJ\KW4-LTU;AAR3-/X>?DS2;[Q)6DN_:--M/80SVVP^<)RB;-A\_ M[=WN&.``<&@Y'$A'D^:\`!PN!@[MM9:H!C5J`0^@'L!:`C@`'-:L)0.L)1G[ M3C7:YJVHXW!Q6]'56A;#K#9H9I,_42^9/@RC5W5HWKH0#6CY)J\[UTN4?4W[ MKB8T(-2HH1@2VX(>3<\3<-WY)6:#A&.S+(O7X[AMG44)QC(K[[V:OM!U%#`/ MF*_:9Y>7?PF(!\0W#O'@!X$?=*0?A"V%Z?(*TX$?!!*RCA+RXFPB\(/`*@+, M7Q;FN1\DKYT'(/Y8Q"^=#[W-0TZSC==O^/SCVVZ8/MYXLUC>]W'X$`_C/(ZR M>_&8>SXU9YATO_STM[_^Y&5O[.#T,]C)(1.'B=C M!?63%(7#(>)"APL6+HD0AT#\&.=/RO.+XPRET;^F<5H.:/XNE`W"M*S,,1\[ M)_UU64]6H!1UPTF<<^8JQQCF:!*F?`2?IMW!_&;^#W]X+XI&_.$/3XLGE1>C MKW$^$'^?=L5X,Q2OS.MYU,/H,1IF_-F_\-FA?TW#-(_2X9.@1IP54WD>KWAE M]!@.IP4I!042_G8@V/8>O_.Q)_%U\4FLL>0R[_(>]?VUN'$>RQ^'7NQ'['1#>[NBJ M>&BWJ)NEJJF)39V]G`X\$6OH/6X1%5E^3JN?<_H?R^89O)/#P1IUXY)A)WU'/IO:F MW3D^O>B<-7K'C;[=/K9/[6Y*[9U&L_O^N%[4GDE-9&(3,[E5AA8KS^NGI+TJ M)*8:2Y=TTV?I,U]*<9T-3I@-CIP.#E,XT M#IL-NLSQDH$&YXP/,U9C0N1O0S?ZPH3%*+,?R80L2`[C^A%#PA#OL"(K1#T(U8U+8*`;?1*S&+C#H0J9'91_ MXX:!STQ!=TYO(E:,-?52RZB'DXGGIN9$2;(&W(BC.:-I"KK7L%?IS[UFL_%6 M.RJ7=Q,U^\Y^^YJ?_L:$:FAHED^Q,YNJ/"^;-;P[:!SHSS0)<*:?UV`N\5"3 M5N5PW;J#>)1*X,G)Q^*D:OV+GY=&1C!XSC1H::3O]7YQ"MSF?KY\=D\:V7WY M])YZ^JP9W[;L31I6.VR+"WW9BV>#T&QH=HDT^U/BD6L`U89JUTZU3X/Q6(6. MJZ<%]*_S**99,+0<6EXO+?>C.$QC1M!MZ':==/M]$M'K:#;.<^"U#SF!=D.[ MJZ#=W]^?0+&AV/53["^\-"1>L6>2D`>N8ZA?J`.#4`YC<9(678Q>OUCMJQWB M+$WKY_%G#ED/DU`/7Z2N0W6MEPU=/UN:'08>0NPZWAVGXW?%XS35".!H$ M"X+="L%^)<`MKZ[#:X!25UBIOT^4CM5]XJ5;Q#*@WC53[^0JBCFG+1Q`M:': M=5+MLR"YBH?)V@?`&)G0+0Q6.68)9*T.@^$P$C>NI.9X0?"#]Q<(Z4OO+G*C+#^3&IC0#?=3M-3/"75?<>;8 MU9T8RW]1FSA]2G`1O>N`TUKU1=1H3O/B5&-!=_#A1_):IZ9Q#X(DUKS,,]DK MZPW1.<:JFC>+(M_2'/2.5?R3HSDC>Z??YUUF\5)JBN]6WG'2DL`HE?*ZX4F+$N3 M'A.R8M\351K6H6%FO8FS\>$G<'K]%`5#E_,U79V_3E]S/N."%%CW]`N?:OV) MKQ/#IZSB^D,O(61,97D_3]>=YW0N*.='QM7Y6%%'&%9?T\Z^^GC^]35G^"?C M2=J"M.>A8I!S/N;*ATTI:-K9J:#DF`.1^EN6\#`,QJEH`S=-_,[DFJ)H9RSL MWV2HJ>6)!H%B4>Z&!*+IML`Z&[>9$.OE#I/5A,H M"2H3M!QGNS,BOLKUF8&=*1'JOK)J7=$#Z*V6&`6WA*K08KD/U%BO>',O.#'7 M*\(\TX\"@:!%UR[F1G,M$OOS)BRQ]^F#7:7NQCQCA"IMW>P15R= MI6*)7&*6;L)L+312UQJ>F53RJJ7MQXRT9UJS M(C\[5-?,(VQTERN0A5=[%>Y\A-&>Z\JX((XA-[U3/28^( M)0>N$R^Z&[.A'JDI5,EF!F$\##PWR$$R38*/TA1X>J3GDJ8R)F9I[\'<@11N MSI')^('Q/\/:G'!")3#0#!M'L67E7,G.UT+FE$MHY"%FL2N1R.!%'P$&78?9+"?V(VVY=C"E/A,:N^I M=BZU,?)4.E&;\&XX5Z68)._$40.>#%C93B&]*CF_*R%8A;?T>/Y^&H1+[Z6> M\DQ'[P^=FS-K-HP2%ICC^G_@ZD\Q+FZ"?_WIM74/DLM*DTMPK4B%_ M6=U(WLQ'T`[&KJ/1?S7UMW/S7?Y^P'Y3,)FZX+S13T\.LD"$II/T`(>[J6.2 M!@*J`%4\.-"MO:(*!JTO M8[*H'*>Y";QD/OW0`=D9U#579'?PE&AA<^^6`/TY;>G<'_B';C``#H"O/]#M MO0/X/(9"\X#4DEN9Z9_$(XWC;!J2BQSR[VGD>^9.T$QC.-P>VC_-&@.``^#K M#W1G[P">V6V&;,1A^LQ5G\@H%H,DM>396L3%,$UZBSWTD M'U[I5;9MF^+3>1O^P2V&-0:NGS'0O?KC^E+/O5TRM)R^,$^[T.'ML>B%OD11FV0TZV^;>G5O$?/Z]`#P`O_Y`]_<$\#.(I]$S>J,*_=1N M\XK[-%O."<83%:>+98QW3UW31>DR_2PA+4N83M?-@GM,,,T"'=Q;GI]%_8AY MTMR":0A_>RMOTTY?Z$X;(HJ7[Q"]=Y;Q>D<3SX\R_L!5ADGLYS_)YXK4%W]Z MQ/WBN?9/GV7//^=?XG/CK+12ML!MY$C=F-N^U?"S#:]=/&RF3.)A^D1;2T-^DMM-ND""R MBAEZ1C.)U)OI'TLJNMH8SPU`<\$R/,.8ZL:\.^@V?WVF'<]NM#>]K['M%Z*# ME>S@\[S`K/#-]LLN%5*R9EV/XY?4[0F2B%RHM0^@RA-(Z^!Q@2Y6$EJN[E.` MP!\7\I+=>*F8EX2ZLB[%AH684`8,JO:XJK6A:E"U[:A::X.9Y/JFMT2E$(LK M(S>=U!U>T50MW9^@G!_TQRY1C&+0ZZA?QA4YQ\9*KC4*US2>"&IL( M[!DA"M/@:G:,S6CJ@I/R0:)TAKR^:.@"#4`#T)"AH0\T&/"A2C0E+,ZY^D2R MO)N=MY%Z6D5@R*@P=PBN;K_X:4U=4%P]L#:^UC;*?=0G\FM].ZR+.<>LZJWMM4S9Z'J@I?R0:.Z]J9R>.BW>L`# M\``\I%$WJ]U>WB&VYWA`W.WAN%L87\MK/F9_NJ^QD$G,$[G:=9GDM,RE26TJ ML;I@MD+PK*YQVQM<&MNA`UP"E\"E,5P>`Y?[%3.L+B8WRC!>.S-TV[/$7L=8 MU&0OTE^!)"#I`20U3#N70!*0M'](:ED=&S8)84T3NO15^=*+[]*BP#+T[G3! MW$$H;Z4^@-#9WOKRODSE7IG;V_Y2B!0]IK'X[W8J'M17RA?&Q7.O<$W`7N,L%=Q_V"IF+@+G`7 MN`O<5>2R3<]>318`>^CLK#K1FL9]Y=:#/X]BY4.J#[P3C^S6$GBX) MU+SH=&V[>W'>/6TV[4:S_[[;SDH"75PE]>B8KMGH(@IZ;:2#SVQOH:67N"+97,RZM-)I,)YP]<%0.K MB,6!_CT.I1\-5:B7]+A"$ZO5I_1,D4OY4YSJ8F.1N)&A2W?SDJ!0TAFE-Y(J M&+IA%.O"4B+]I==L-MY&R15)GL"HBQ?R MLV<_VF_IJ5+?,I&NEL3IZ=FIN!VIM)9:3/UVLGYS6[/GI$*3@AX=N0-7AG>" M1I$K+M/#]'TNUU%/ZS#K3,N_ MAS2Q82K^EM>P\ETNGI5]K=(>*"\_QO?DJ=FOT4T:Z.>F[52KP MD$N!T0`\44-PD<$?(^0Y;7^9L-"^AKJ?GX*!\DZB*!GK;Y]=V.V\<7;ROM4] M/VF>G;8:)Z?O^^^GA=U:[^U6LUZ%W338I!O.2Q;SP`5:=.*:$$HJ7Z.I%$K"G\^;TGG1^'WYU1X#$+I`^;I,,CQCP^0DXF:5EDOCXM M'<>?4BO#&D0J+:\5J^MT(%%9[E$]6IB'H++%Y;9>D:[D+ZS(:E*5 M8Q1;J0"T_JP2-^N=&/PV&HXR=98@9-CLUE910K MPRK$O3__?K)OTJP8CU9$JM#1>IMSJ.$SU+`B\^3B#/<_`D_&KN?&=]7UM\NA M2N632[6("WI3%KE`;ZJ@-YB,/B3$$]]/I"?H72ZI[^`Y)PQ64'@EIJX2":Q: MG%8BP4'3H&F5U[2YW#`W7%]JG,_I<):(YPYU$LI"O@K\-_C]\/NA-]";:NC- M2[/\GY'].4\9_4KS+[K\FYHDH3.2D?JF_IVH*'Y_=TH^1ZS"B0SCN^?FCG9. M.Q>GW=.V3;^V3SKMCGW^/LT=;5^TNA<7V\P=W5YR^BQ[,TT:G(0JXCQAX?I# M3C/4IIG_?Z)\G4BL.`]Y&`9C,^$%4J>3^HX[H>GTE?0X;SEZ/+'8Q+Z)RF5;IJF4_=Y1M]7LV?/OW$5[]Q8WJX\T!&S"^\_R0>!4DD#0;/X);, MF]MZX=E"!)'C0;QGH%LTI' M/L;)^4%A[]6N^Z*`U? MLT0D5)]#LLWCZ1=_H97?C]A:)+*#2.0>L^TS>,34.:`(5:YSUF7]8YGM@HI&/4>:^Q;LW"C9 M:).\H7G6$=V6IK?HI)@3?_!_,N2_Z1HR?'S;/N1;/5[3>;S5:[ M=7+:[:<)1]W.Q?E%KUY'CBZ*3Q]O.!6@R"2X;,#+>J[G1II`W MH8N"`7E0C39])G*Y'O&'OI4>!RC]'R(@UG1]?8*@?=@6Z?-I"AGQ5JC8I7GE M.`CC:S[SS]-1,GUXI5YV'TV_RHXWO5#$4W3#9ZT&],>GZ9TGV>&6K!VO<@>' MZF7[^5&AK^^?KYD^_I;/,5MJH-\E"H?4>@M M9`SPW7^PJ^/KLT*_3^BN("0IG/,QHWS/JS^^GT>OLS0X+:NQO!-7:GKHIG[, M/&:8G9Z:OL5-#V-4-_QL\F:O0C['-3UZ-;WN\0;36S_<>X3,O2LW?F[$QX^R MO='#-F_91*:'FB:^/H]T*2^/_>Q;Q0?)1@M9?+/S6+A%?$QL7@+Q2.<*ZI-- MHYD&D!)9PAW./U,;25!T*XQ:PP^1=0=]3/"=^@ MSW_U[^B!4<2"\_/QV:DN#ND!XMJ]X0>2K51./+TM:Z2;WLKOSKVP,EBN/!E] MDCX1@(;8*#VNE$RP&XTXC_0>!O(0T`RD[4:*7*T"*XXKSN./,'*/JC36L[-] M4_7-^$,?27S+*N$SSX7\`P&;G+,1`26XTFF?W!R";414=D782D]:I1_ND93& MLF[K]#Q=/IR7VNAR=FRHW\$NFVXW=3].I<''!1/O$B8)DGR*L)O*@(]6YD-_ M::C3JZA-U$#/E5=\ZH+FAEQM*]9KZ3F)EZ7S#C.II,(C-,TR=:4A#2%<1(7C)([PQFW*D')VT3'RN/!)TS2L M7*J7C]+F47C4M5UT3Y_I8,X]T^_24Q%=?TK\'GT9G@RCKZ1=0[H\>&X2?._T MM'5VT6GT.IV+"[O5>W_6;68'*'>ZQ^WM^Z1;S(#7)Y9'R7C,!XF'ZIID4JG[?V+2H+IE.Y<-^N0@3^*\1 M_EL]J]]?7JP"!8`"0`%[0@&VU>D>@P(0F5M/7])3'ZZEZV^T#K8O.XA[A8<\ MZ@*U"J&J=&9X[V#567]Q!<`"L`"LM<_C.386":H]L/8^9ISZ@&G:?Q&@JAAV MIEND[*8Q;JX+5,J'BNJ:FHJAH@DL``O``BQ$O2-M]S$TW89S;'JKZ3[EA)1* MB*41'#01FE@.P4$3]UD3]SG^H3\M9:?_+=MK_"G;:UQ(;OH^IF>63ZM*)Q_H M#_0'^E,F4U>-[MZA60-BG]HMK%0)7N:AJ'P'6M'KF-G8#6H`6H`7; MA<20C96FX.1@0*@N2"D?**IK<2J&BK:Q#%Z``6"H.!A@(A!Z*UWZ+:8P^SN% MJ1#`JFNDZ@(P8RF^@!5@!5C!;NVN0-G:A1QRM1\FRG&'KI/5B#CA8@9?9 MUIV&?G)Q=--[WNR?MX\ZT\D/C[.*B6:]J9%.QS4J/S03WZ%COH/V; M*^::C=U*B9]3TE4N\>)%@1A+U^=R,KK7!'STJM;=N/0;HCKQ!TH%M2TF)4<R?"::_\,AUIL4>*,2.IJX,93,:2OF3Z=:^[( M**N:$ADI#E)\G1?C\%FPY;,J)0]TI]F>_%S=_I64\7A_[KE5LT?;R_7*-I$4 M#WA6A4APF2.M:.HGJ3Q7IAHF<1)R,:EH)-@[B\3`C1Q=.Y,T*IYI]F]15FC- MY?I2TUIQ(6FD52.1-\V)/!-:<,7HU#5KQC+\H6*NR.>HMX*062/!M[)8N>BPU2@[IVW;)>#A(R<@ M=N-$UX_CPIG.*`BB66FY,"#U9S.VRD2.E8R(C-(Z>5Q[C8?Y\.KN4`^W+K^F M+1J/?=XFIXY!YD%8Q&V.FL2S*Z<_KM*5U&C/9X_B#[+2VNYG-CK*>QVZ&N># MC\G,<=8)<@PB-ZN-MZC1N0>D%IB,\DE.H]/2>?2`@U6O.A"W7(LSJX$H[Z8- MXR\&ZBHF9\CSN!WL0KAKL295@'D@H-*>P-^D)4?G)5`R\H$ M*)PGCU=1RV[G<_X4!K;Y@L=^A&/Z9%7_50_=)I-*Q& MH\&F9QR$Z9BF]UPI,OWS"W2Q1=:6TY&KAN)4.X_BRY!<9%**@5+C:`',#+74 M5;>T_J0UA'6;4KW)>_$SY$ZK+C)3;.3?$W#RDY")"NDQXP7(2E]Z=S/>(&3$ MH2Z_/DC!PDY,F#BQ+IT<+=0HOCS[%LT^WJM1_&$H2![TU-QL0,LL_7962G16 M@'0*RL1/OP\T^+AL+;?I:400:;<9GK-:ISS/#VD^SR+CU\T*%&K.D-?D MRW-?K47+2.-R'82IFD0S%LSW`GC="EX_++HL>971!H/KF4Z'Q\HT2-=;GGC2 M2>O)WC>>DR#PM"EY@@K2%TR+FPZF2D.COGFIH3-+RA"?/Y1^ MG%V:GYU2^W)`G-6CG*YH%WZ\-/J]'/7MKQ#91VRM^ M:A[]:4L8DG2E]#5*2)YI(5PGJ]X]&YI;$F?,#PYN_:F]G'=F\=D6LZ@[Y8$@ M>SL]Y]$WZ<;/BR$OA$OF9#B-0J24$F7UJ$`IX!EGW)1E9_&VN?'"^8/.TJ&GJ*]4FEG8_4+M>U'4>IKT,M>+>?8_I MZV?'9D_/SCHGI_WCKOV^TZ0/_4;S?1J;;5_T&Z>G]8K-3F4EM+#JHT.EL9(S M`4]=JGK=/3LUZGU;HX MGRYLG#=.:@:>?YQ\^W#R_N.Y^/#Y\OS;^?=+P>DK44Q3@.R MD/[=;Y&(DBN:D+LRO+.FLXWOL8R3.""T78;4(/'!2LUJK&?O7(A0.T;:!&>W MD.$G.$XLLM+.D;:H0]>G[UPRY#2%#L*87?Y)$DZ"2$4YLS[_ZZ&7BUL=O"=K MKAV$9J/1FIGL[(':%XNBA-]A)$[WB]T2=)%'O&'D>32+N>;R[.3;>NZ_V6O1 ME#1WOH;D?&@1<<29A#KALKKB^[QR.\^=OJM)K,97)"3[V")!M%H+,[KEN_+S M.\V/9H33.&J;E8Z.&HW'))%?_B;00LI=1;<^I#BO+3%_ MA)&& MJ2LBC$1']0@-#[_@$?@M`GG$T$LX!JE;1#_Y`Y=55\)SGI6TYF6GBEXEN51:E/SRX^B`O26/T>[H:E M_SV=E?.4.^T!]45?0[(ZE.ECU73AFB^8R_`!V6D_4E-C7G!GYXL\?T]8/G4N MYMMYGDW,29+C[_,"(G[YEW+BET('.'D$)S?9G&"^MJQ6C>8_/MP;39W=(*-, MU(DZV='D?S>);LZ6>`9M##I%D=S.WZ]!K0):<&'7NL,V:F,9CR+^: MM36;9'&(?!8W2TV4.V;%)0.DA@1,^GL>O=;.8SC.\DNF=XXD)Z(\U01^XN@UH)'DT#(-#8VS8R;Y`\9AG0Z\DJ_340MNF5<#,2`= MY`4!CL_.?#(-,D#' M8A@&XS0H/=>1W&63(.9[-8T0)>149>H-DBX9=?^J-NK;\O;8JPB\F]09TMX] MVRUK,3PPFS'DK-%LQ2!=]],Q",$!N6AA.)>,9<2K$5.#Y?IZHI]O0SP*@^1Z M)#BT39:!?I5B+/\5\)F"FF9(`5,'*"6=MRT\.&@?Z:/R>P_G9Z79*_<'K+%]43?FW4'_UR1@X[*NY71[CRU MES%U5#)1V).?0KN?XG\;^I^BMS0Z[%*&9O8TKEXMG9@+JK6%7OBDGN/9UUNT?TO7%JX]!%+U^B679:W%JY(IO M_'LDXE#ZT5"%H7H\7@U!+@OR="&ZJ"-ZD.$S9?@]%V5=#,[JN"BD^@*(K_3' M4Y%"HFM)](SW+'V89RS44VS'1YW-!)?>N%ITYSJ9.2^\EZ2\/?8F?E*43!Z0 M,DGQ[=(*R?S!DSA=+K13/X*>,QO.VHVS<7CP_)37MC@[R*TS0HQ+[I/\Z8Z3 M,1\+H2>EO&#,J]+5%5^YYDXX]7;#9"@(`U[Z`;?;EMWK8L#W M9L#!Z_LXZH#YG@TX8(Y1QZACU#'J=1WU8ZN'F1K&>[_'&SO#GA?E?(X"K0TD MH_+S1:-L-"P.^3P.. ME(U]''6&>?<8`XX!QX#7<\#!Z_LXZL9.5\98EWZL@?!]'/6VU>AW,-Y[-=[8 M+G6OGTBV?5X1I8<`QX#4= M2GK$Y.E0$*@(5V3\5@;6!GB#U%MH! M%H&>%*\G'I!YN4^C;3>LXS9. MU=F?`4?"QCZ..L&\WT1>%@8<`U[3`0>O[^.H(YE^?\8:"-_'46];=A\HWZ_Q MAM]VKY](M7U6'+/YG`C>WJT4=)O&MB[4?IU@'_7#;IH\?0`J4D,50=H"]&1- M*FD^:U$1*@(5@8I`16!MH"=(M85V@$6@)UL/0/:.$2"!ACRN(<92QFJO(4BU M71FB?HZS4M>U'H.1Z+J@I<:C;3:NC`$O_8`C86,?1YT#>L?(V,"`8\!K.N#@ M]7T<=2!\?\8:"-_'43<:^<1X5V*\L?7U7C^1:KMV'/,RB*5G2G^N@G"@PJD< M6I.?8A`D5YX2_]O0_VPDR@?')7L;WVK3JZ+`
S-^UU]S$) M%R!(\T>C]#KF\EDWEN86=&[W]`F8`^8[@KG=[EL-@XGK`#J`#J"7$NB6W3.7 M@`&<`^?`>1EQWFA9;=MQH1)@!]@!]A*"O=.P6C8\=^`<.*\USKLMZ_A9 ME$HS?>SFXU?W^:D^*\DBMWAG4E'DFZ+ MDLD#JD0J\':I/?.G=">Q?L@K^[7N$#UH94\W:)U3,0.Q(HY_97OV5ZP^4'[]I]X@737;@]/3L5-S**)V2N)50;B!1B`."#*G_#:$@"!D'4O>-0?0OY<34Q\N1 M$J0!C!<:+D&=973H*F2-H_GH54;Q*H^<_W/C$7%;-*'QX0&,:8!"-9:N3VZ, M(8UK-XQK'#=S"O%4QS3*,]"0_I%==:,1Z=:-#-T@B03WT*6+)TDX":),"UUB M^5>:K.W#OF7;AW;S-3V;7)/KD;@=N MI(^2H2*_Q!\D3JP&.746)Y%N\7OI_Q!N1-:#FS#0@/&\:7_H6\4W"B^((FU^ M!CPR[B"A9H*7"D5BI/OI^(RF+B.Z-D-:_[*46J*5#@F M=1M0E_0WDML:AP&-#`WUD$3I:PG-#!DWP$U;/@G=L0SOR([Y:NC29?1WVNR< M*`G?9TG(#SM3CAI?48N:#6[(J0S)O"]P&8LU,YS!K:_":.1.6+;\LM1ZTLOY M@XRB@-['$B?S>AL]^C8K-)2,QT9C8Z6VU=6:J@\MYVPCI,F)U[, MRIII8:;HI*5:L9.0=(>4V`]B9(F_%PKZ(%)LI>MO)2>:^1A`0__2K7GM1U^R1) MD9CO.M:]>WZJT'&CC/."B6X?O3121/U/R8IGRGQQJKOTIC\UT>L&)]1\&A,9 MALQ]/#[W*%]F6GRMAXX,XK6<)UXNC4L3AF+ MVR#QR%@'[A*TY)7KL7RHU0']%-Z2+$42NSP;6U"+B)1TK$U99B-3G\#HK`N$ M^U@'-`SN>/K2SSRQD!P!0BBI#>D[NT8Y9\T@17:,,N3SF.U2*2HUU!.?JM M7%!>B);W"0G`]A/8/DFNZ4VLZO8RO..1&Q:#[J9Q=%-?_I_T$Y[$4&>:VJ'[ MKB;Q#,K-C:&LK7:SH1_9M%_G)X&;XSFJ+Z#GXJD,$BH/Y4UC),WF8;/SDOC( M+<$XFTUE,1+!H1%33*%=\+E&M8BEV!\W\FSM6H>*\,OS#:5\PE*^:ZG3G@^& M/+X"/F1S@',=(KTD)7CO!9IU^[U+\[.[+-> MWSYKMQO'[;.33N>\V6P=_/6>CN;%'\NPETZJ:#6Q[KP.5T`II9@4B,R4Y= MRVMUR'/9+'JBC44^6D*3`_*XITAB3I%DZ.+?R3YE)H8T3Z:S7&I2*&-U?9=: M\K'\D1JTV<,&Q&(1FZ_D[.0[H^K0)Y+7XU_0=O_'.55[:O-E4 MG-]#%OI?:9PANV[Q5[X^M7+D(40_!!&G#HI8Z9/H>L^E"?Z`^Z"OE=%(#$VO M!D(I'^O`'\I7(:\%YD,S6E4F@>@&A MU6PL.^,\^O+#$B6!W&P6$F MH;L4&?)&NA[;O$-JR2''#MD9B*O@"1A:AVW81TVC,QM+F%K^Z/6/.K^::M-P M-0J>:Q=NV?W*J1U/=I9TR)H%YTTO8MKVD=F%!U,E]/&-B>%T%/O-Z\P> M%R*SC7N16?ZC/]8VEZ.6]W_AS*>;9K M=^71H6L<9:D;\^Z@W?_UR43:Q5S?[$9[T_L:VWXA.H@.EK&#%:F)%5!#.$#Q M9N0.B'+-^@OKI7@^S)U/IXA+^C3FOIT_%3I MPH6-+,L[4@H^^;MX[?HCY$2?/_WIY@8H&4C+@%J=3Z='Z\JK(I:QN%/6]=5O MW)@>[CP@U%_2-<8@B6@>&16AB4707=E1M_>VDN];#/Z3K M/P?36U!$8WMQH:5UT=*/.ONL7&H*3:RI:;Z0;GCX#XZL%^I%[F<1GY.%U8GO MDIS/0M1VB\*M`MY+(ZSZ$B4T#AH'C8/&0>/V0^/V.728)G[]YUEZ8NI1B9/L M[*E5*?];A.J#(U$.$9H[AO<%I^R6Y"#=CM4Y7LZY-BV/NIR$BVA!B1P"L$QE M6*8/A@'#@&'`,(4QS*O.\=:D,8=+KTC)5,K(OMP$KSDU,4 M4\O,:P/+:(QIMXCK-[&XBM!CB8Q67;#5`JZ`*^"J@`E5H[4UQ=KGF190!]3E M/<7>%A:PZV+1L'STA<\=+P11NSU!SC2PVN9`]81@ZH(M1`@!I@?`-*N&T#0W M]P"J@"J@"J@"JK":M1O'KBY@*/(PL5ZU9TN702R]I?I-\W,G2A^:,'7BHFD4 M-H^M9J=9>-S"V,F>9<8O`H95"QB6%96=-A`)1`*1Y4'DJV:OI-O3M@!D++D! MKQ7#*_FU#;OX3>M[847W_KS#/X^^'XG?%0OG='I6NVO, M;:T+=,J'DNK:K8H!HHU,?8`!8,BF3]VNL2`C<@\!E1I#I7-L]3K8(6QB#E*B M<$'!B83"]6]4%//LI)BUL"?R$6J3QMNU.K:YX/NF4JL+:BL$T.K:MWW!Y@[2 MK`!0`!0`77_G6=]8S./%,MOGV2%06[9ELMVZM"V[6[AJU<4B&ECL:E1[0IGF M6LJ%N0.M]L%D845OA3;I3[=*-^@J\`;I<_ZFO`%UY/"3 MC#GA\*Z0*LLH\8T(FUD+`(V#QD'CRBRXT@@+&KSWBK5CXQNXBQ(]@)H*9"/$#%4`%4`%4`!7P MG,JW[%7U#+S5RUZ("VP*/MOJ-XO/@-V+N`"B=8C686T+D`0D:PA)K&T!FH!F M*:%I<_4!&ZCKA;I.+=*@09!<>6JF0L5")AL>T%KR&^#/8">VV!O=JV.4\,S`7F`G.!N;;#7&8K!JTM M-904`K&!V$!L14XH6U;;8"%5YV37O#AH'^C.QA3/]O$(BE^Z8 MQO&SNA7?@K%$17DR`R'B..\N0D4F^F M?RQI^[S=^9#YG-NZ*Q='UHBZZ\:\.VCW?WV2-A<)/+O1WO2^QK9?B`ZB@V7L M8$7V>I5NYC)K;CDJ'3QFTXP7K3R9.A^8"9O7I^.G,AX69B?+\X^"D^.+UZX_ MPB"*Q)]^J.B-4#*0EAFU.I].CS:8`)?9,A97K%A?_<:-Z>'.`T+]1;@^S4># M)*)YY$:[I)^LLE@`W95<4T]I1@_2VS[I[:&J_2%=WU@"&'0-NO:(KGTDM\Y< MMB&4#PFV2Y1 M%BO$%^TO*9U4JR%)Z"IT%;H*7:V(5/1@6O`->":_>6:5ZV&N4WQ3XGC69OA MRZ$KQO:[@X!`0""@55.J;K?XZKMU<7/V?H5L59#G0@U4*#WQMV"LQ,=`^O,0 MSVD03H+PN2&>M0]@W42RNSU*E>1E"FQUP53YX%,Z`UU70*!D$U`!5"S-"3OF M:LEBZ@>HU!@JMFUU^L;.WJJ+[<`:]2;3%U,+U+LI'[%+$#:L7K_X*&9=T%DA M(%;7CM4%6UB+!,``L"(G6^VNN;-;L0`'U`%UZ[F,[2T4%:N+1<.RTXIYVY>8 M+B\$9+L]Y,YXS1ASU6Z?$$Q=X%8^9%788M4+3$7,QX`JH`JH`JJ`*BQ^[<:Q MJPL8"ESXJGKAY54SJ%5_I06:QP\>A(&HQL,R;O:MQG$/40U$#,MCTXP*\45G M'57,?WQ(;GM1?PW0!#0-K:_95JM5TBUN%2C'B>4W(';;7NRQ==PN?FUN+^SH MWB_<_7GT_4CD3@$ZN5:^^%SJ?K-BTL=.Q[(ZQ/9AU@4[Y4%)=NU4Q0&!; M&%`!5"S-I)I6WURN(E(2`98:@Z73M.P>UL=,3$=*%#DHCE-T,J%P_1L5Q3Q1 M*6:=ZXFH[%L=[%BRP>_ZEJU.D&IN`DA\`0\[1^>7K6M8W-%BI#7")@!9BMNZ_6M M=M?0#_8'^ M0'^@/]"?$LH'8;'G9#'D]O*B8,J&Z9W,#TIFGW>SPNHU=:A:UO'?6,GH]7%]*`8BJ'MN:,L&7R< M)8-7N3I*:;=S6+VFL4U3^WWF-**.58LZEA64VUA,`R0!24!R-Y-&%%,!7H'7 M@OW:XVX;1G1G\]DZ+?F5XHSBBD6&F@USM<>P9($XZGZC"0N!0!50!50!535$ M5<508]"SJPL:L.+WH+:L7LG;A7':B[!'WVHT=W^*_5Z$11"K+(''N1>@-KD< M"$@#TH#TSB&]S1Q4+#<"[\#[KIF#TV&$2]HN;(><^Z-DF.?H78"\RUC?!/QVITMD=>"/2`V$!L(+8MK#_WK'9K>U/&O?#* M<@&MWV.N5KSJ^FEX0ZEOO2':14-3' MP;)&;M*M3S)T1F)%/?E-'O9X'9,UA]*AX5/A@V.7>\J"A6W0>.<5@#_G7^,' MX5AZ"T;%YFMF#]8\(ASE>=DU[PX:!_HSD:0S_;Q"(I?NF,;VL[H5WX*Q7/); M2$6N73]MI$SB8/I%ZB3I;V[=03RBJTD0&7T3`WER$JDWTS^6E'W>[GQ$?T[I MS95+.VLL"NC&O#OH-G]]TEHLVJWL1GO3^QK;?B$Z6,D.[O/FN_037_W&C>GA M3OK-4M'07X3KD\$(DH@LRT:;\YZL;5;`QHDU M5.UQ53.V51NJ!E5[7-76SKM#?:*UQ7JR,,G[3I,\%.[>>E:_;VS7""@`%``*J!H%V%:GB_-6$)E;4U_^"(,H$M?2]P:JS_N(*@`5@`5AK;\4]+OXL\[H`:^]CQJD/Z-&_BJF+53'L M%'#*:UV@4CY45-?45`P5QO;H``O`0L6Q``M1VTC;?0Q-M^$<&]XPM5E_R_8:?\KV&A>2F[Z/Z9GETZK2R0?Z M`_V!_I3)U)7($RM5WOC>+:H5$/:I_>):A2I=^BRG,_DYA M*@2PZAJIN@#,W#'\@!5@!5C!;I6JA,7F#35*P_*WJ@/06BL M1="3$AYG(3#5M>45PDP=99MKS2_.H)^@JSPU\0X/XN`IJY$2!-[#$ MM?)5*&.R;,)7<1J7Y]O-=*QMSX[$-Z4+A/U(Y3LSD@-QI91/?":CR!VZ:B!D M)'2_Z4^R9RH4)]]/Q64P<1W1:C8L_IUKNTQ"UW?<">E5J";R;DQD%0GUDY-6 MZ,Y>Y]=I_1C7IW?19;,;TH9HD25^J(C[_D-W\'Q;!/ZJ")Y;./`E)Z:!F"Q@C3#7D?SYQJIM;45TU\' MWT6\E_Z/W]@3N%%1S*PS+SS%=:Y8OT,W(@6G_XQE2(]D(AJZ/]7@D,A:B3%= M?BVOU2$[[71=CEVN$QE*/R8*$U=W0HH_>++FZY=\GP1^%#!PSOF(>_T.\6HZ ME6@VWO[Q_7SVR7[[FFG2C:*$^).K99V0K7#R=H1(\%2&]'@B6]>/M>F0N:Y0 MFQ]IJ"Z7PA6^PC%?F6OG9[)'@4]T^RF[6YQ$4>"X^NO%!G_^=++0X@F9@,-X M1-.8ZY%P>)XSI)E.K")+7!"IA_30]9]^>FKH_R=318[_'^F7S4;'$[<@E0\9"207! MO5INFI+.Z)X2TF/=D$QL-%%.[-XH(5F36`?2QJ]N+4GBO600!*FBC`BSXM\) M036^FS;V$2"1F4C"D+\B!/T@.^T$/G63Y,TN`S7"#PB[!'O=>C\FC+ED5ASN M?.8;<`FRZ9MR6AWF7RVO7-T@ZD9PQ1"@?GJN+FS&3^`!K0PU59Y;3RK@OLR4 M1TP\-;A>Y$1SCG?SJ&G8HV&[Y'F$]<4F(-!5H[3C\T]\4>!?JQ`U-$M30[/9?F$-S69_ MRQ48M_V^;=^'_I6CG>@?^E?<^RJ2E5[>=>?C'50Y+%5-PX_+_M8SY`@]@YZM MIV-@\9!XZ!QT#AH'#0.&E``_4B`=>-7O'IGL]5_+*C/QKD`/(`>1P[[9FTVKVC=$#_`-0`"B@8A0` M_P#^`<@!Y`#_8&T51R[=0_KRY]'WH_S)C-D1D-\W69+8NS/Z7W6,(>U)D>RS MA2X1$DMGNO<.=';3ZILK'UC[FAC`%K"UOD'K-I9/:(1%@T4#ZHJY\_I3N)4P-BIQ1)#WJFD[(^ZG=[U&(%\AB?DE!=B*!\F*^P M+06J@"J@"JAZ='IH]WO;@A-FB8#:'D.M;_4:YD(Q,%W`TS/Q5#&\F#1-,#V` M2HVA8M2TU,5T(.?Q\:FTQL[L+UT-1,B%@P0CJ8MM%IH)^80?4Y<%`9.9DB\5 MV3X;P1+AN[K6<:N@S5ZFZ\(^/LW9+J(-IV%N*M+UQ5-A4PY4`]7;FG1:C;ZY M5+2MFNHM4`'L.!!?,\1W>E:[W]\YXF''@6J@VJ0=M]L5G7+#C@/Q0/QS5?+8 MMMKMK:VO[K<=?WF^KEWQ$'H:+C=_4XY7 M!?0.7AF(#<16)F(K\$\R=$9SSF_9EF@V[+:19W/GA:>HV?&(^F(WQ9BN&J4= MGW_BBP+_6H5O3(RU0^.KP@<'-_>4!;/3((7(:PA_SK_&#\*Q]!:8UN9K9@]. MQ]Q1GI==\^Z@<:`_$W,XT\\K)'CICFFX/ZM;\2T8RR5C/I;AM>NGC91)'$R_ M2#T'_<&<27^Z3=V3J\`;I,_YN.QO(=`!/3.N9RO\=^@9],RXGND$X@VB'64VGX7$ M'--/?/4;ET3F.@\(]!<.+<2C((EH&K[1626M'>CD$P+?M9;^.8_3K!O$V*Y7 MH"-.(&CS!`TP+"G;!<#V.9="W_8I".-K>:T.62W4H(!#[%ZM&65K\S(8]OLEBPZR*%"Y'!L=;K&SA.IR]Y3,``88&\8@,]*LSMP$.`@ M@!Y`#TNW-1N6W31V#BP\!%``**!B%$`>0JME[-PN>`B@!]!#C>BA>6QU^RA. M?Z^?2*][2%_^//I^)/Y@0O+'BNX^N5:^^%UN&OBYEYFVKV^Z:`ALJR5<# MC*6SWGN'NU;;:APOGRYG6K7J8OV`+6#K6?/+IKEJ';!IP!UPMTZ)KYYEFUOY M@4T#MH"MF4UK6OTNYFFP:<#=5G'7:5IVSUR!I+K;M+W/E?X2TT_"]6]4%',T M,GK)Z?0+C8F2R0-B)#&]73H)?OZ4[B3.ID4I1=*#GNFFK(WZBH'[5=M3"$7N1U&4H"TT(?.+@2J/CL7[%UBU;NJ;5-I?9 M_V*1HE)W^U'"&J@&JK=FQULM5!]U-'4A<@MZK)"GH%O8)>0:^J(BOH%?0*>@6]JHJLH%?0 MJW)4CRE1/&B+95'_IKP!=>3PDXPY4>L.15%W37HETL/2"0X:!XV#QE5"<*41 M%C0.&@>-@\9!X\HC.&CL1(_&R4/E4-'L.-U M!VE`%8-*VSKN&SO7L2Z9-<##WN(!1X@`%4`%4`%4E#"%NF*H,3D-65-^JY=[O#8,`-4!=V7@1H`UH`]J`-J`-:`/:F'ICZ@V\`^^8>E?#B+\\7[4> M$?6-`NC/T+L6:=`@2*X\96XE:VQHL5=*S^\?:X:R\<*Y`7R`ODM1W'J[":#*8&5%+4+^ M'G-QZE77;ZUA.:%YKJ\.IV?F-AN_OBVP9#?=%B63!]2%QO_M4F/F3^E.XM3J MVJ^%[@X]:64_-VC8Z;<3,4Q\SF$83T(W4@,1#`6SN^AW?A7R6OG.VAN0-I/M MCC1TS<;^*XEB=WB7?N7Z9.OB-^W>Q.P!RR>-&E:L],PT\DB(RY$28_FO0&]&)!V-Z7-.-5Q_E69,@HA^#GQQ MJT(E_CSZ?B3^8%[QQP0A<7*?6.@1`S%^\'@Q2X1J$JJ([B6WPHS4NKVCWJ^& M!I(:;T:S[*.FH3;Q0-W+?GEJJ*J`YE0?2:6T7AEYI&9^,T)_6(/-Z4BL?#.- M?1J43^A+/"*-><`R#(.0I:'X(E_83?K@QZ-J6(R,\QR91&I*>+$:3X)0AG?" M)6OBAEIB;B0&;JB)&>HEN1&Y8;EW/$^RM65JKG,"G,8P4-6+YB>EE M3S\N>_-1;O8]^^N3]$FG=8_I79%+DQ8:8"]QXD2R(NB>YAY/K9`DCRCQ8G[5 M0HMFPB$Y7>7$:HG;D>N,6*3Z'5',K[MUXY%N_'OI__@M$NKGA$:-U'1U0WG4 MYL-#K2#]&RAJ^2`W?E=2N[F^?FXZ?.G@<4]&[F0ZXBRY>QVC-H\)+^G#ET8W M%;/G#F=*X]+`1''6%AHI^HZ>-2*^$0XY)&XL_IT0:.([4HP_W!N5MFG%[RO, M;BHN[F'&-5=W^A*-ZNL9JDEHUXD,);5TVD+JV`]^8/8*#5<2^]CUW;'TJ"FY M\;Y2GJMN>+@8ZW0WR>0>U%4J9SF7Y73@^674WI`?I,=>^3=N&*1LP_(8R4A? M)*],A$?[B2)F]'J6:SEM#_,KWCP:;>'^;4D`:8W1#" M[%4\'?6[3-/'A>)3I4,GU-'JFW04*PN$K??>UK&!(5D3+YY!I' MF>T*U5BZ_`6A[WK.UXR2%^N%2"-(2@:ZXBHC'\/QDJ\XD:_IE:=5,#PFW/2C,V_K)GYFZO] M2))\66MSQ*C51Z/+DU'D#ET:&\B'JX);;;&+,B.Y>K_0"3Q:>Q-(9 MR[N,!\4P#,:K7LB77:G4Y7=4&%,CYYSO1E'"/J\&7NI"D2+IIG.;R!X0\4WD M7>K@O518^N-2H;!'EL4V&8S@BG0_]7D?=*53&T0N8'`[)Y_I#$#+09%,'2(. M4D::%48N7Y^*(G5Z23*)'SDC-4@\4N3Y+T=&W+-'0\FY9RRL[S4(V7FH\^?\ M2TCKR`U>6-*R^9K9@U.Q..099->\.V@+[)4[_=;8(Z8;\^Z@ MT_[UR86HQ26Q[$9[T_M:VWXA.KC3ANYS48WT$U_]QJ7I@.L\P/V_L(,6CX(D M(B=@HU,`GZSS4L#)G$\(_'$A.XIC*P;%O"34DYE_=4K^U3.$6C+-+%TN#I3N M8:6[8`?^'^S`0^',*]PNSA\NN<+]G_Y"K0AK/.!O;Y>#:9SDM1+_=)4W6'?$ M45WZ&?*5KL?3E<-A$!Y^E^1H%$+DJ!*'HW2VZSI`XZ!QV_4=H'&8M,]N^ZBB M*%U.#'PE[I1HSL%`':O3,G9Z85TR_LO'`^4B3S``&``, M``8H!0.8QD/CJ&EL9_!&&W_+P83+2?P(9CU3A%]\SK6@7EZ/Q)`SRMC++J8$ MEDEQ[O!H7;MKM7MVX5&#?;%2)4)9Z4+'.9)U\Q@OW9NXTQLHOSF>LF/EJ'EO'MC'7<%^L%(Q1G0'1ZB]O MT0$@`(C]#-S91[UC!.X0N'NY"$^&,6\/*M+[VFHEK1U:J4[3ZC0*.FGS&5+; M%_-6(GB6SNX!F_>Q:5O'Q\`FL+E[;)84C[MT9G=?8A).,":1AHUI$84FMPS, M1M-JMK97CFQ?K",PM<^8LBV[M[UZ#,#4WF!JQSC:I0-9]@(G^^`IEFC.M\5- MNW]3WH`Z."RGARVMHS*3U:V M;?6;QF;>2.L!RX!EP#)++,,)N>8.C0++@&6JQC(%!,P+VGZ"Y,'?=?6]E=>O M^/LOOZ__^LO271X+>7DS0E7YI2^HRZ"\%17 MV_VHZQ%_\2]W+GFF"X5 MZJEX)1=J) M\=O/_E6%)S:][[@B[=STO@XJXU:],F[)A%BZR?OZVSKVKZ;F%W*1X^!P&"2A M2&^'XD'QMJ!XGQ(O=J%QT+BM:=QI,!ZKT'&E)[XI^M=Y%,L8M:NA?-M1/C^* MP\2)W<"'RD'EMJ!R[Y/(]56$F034;5L,EY"!A;I!W;:@;I=!++UU98EM3&O+ M]>2AU.@<9407&F$ M!8W;!XW;YTRH=%E"7;N^3RT3[Z7'@28$C+?#99O(IQPJ8VRO8W$]-KWOJF6U MCG&0)1@`#+"W#-`P=O`2\`_\`_\5P[]M]5K&3D4$`X`!P``58X!T^'M-NVEL M_,$#X`'P0,5XP+:.&_`$P`!@@'UE`$0"@'Z@?U_1?VPU6RCBL96YE$R0<`"\`J,.`'@`%@`!@`!H`! M8``8``:`51M@K::YHE\`%H`%8&6W-8_[`!:`!6"9SUYH]LR5D*D[M%Z^/:SJ MJQ??E,.@=14.KML!ZU2,7%H]8^YP71@$:-A;-/20)0`P``S9A*YCS.L$&H"& MBJ,!>TF`"J!BR6&R82.`!J`AO0U[C(`%8&$:M>ZT$5JZUT_DW#^H+U_#X,:- MW,#7Q^:_RH+8=R(8OA8?^1#]M`:[*8W""IN)%;8GJF;4907NE6TU>K8QU7NI MU.9J5IE-9Z^!6^!V^SY(VU@\?V.1U<5U`3`!3*,&M=O<.39A4(%;X/896MPI<`I?F[&FK9^R,&]A3X!:XK=J>"1A4`+-X8-8$>*]:5L,N?B/@/AC$ MO:_'<^YSLU",9\N%Q1;L78OLW2!(KCSUHI+MV4/YBF4+6@YM,W9\W]H"W+*\ MS"5DKA+8%#2J_JP7N`G>!NTPD%+;:8"XP%Y@+S%4QYK*M1A->%[@+ MW`7NJAIW%;7*#>("<8&X0%P%[L8L*-\5S`7F`G.!N8J;+H*X0%P@+A!7U8BK M;;6/S17S`7=Y&R:4E#B[:Z3T8VP:S[*S'H2XEA!G36]M,UWN"8%638BE$1PT M$9I8#L%!$Z&)Y1`<-!&:6`[!01.AB>40'#01FE@.P4$3]UD3]W[#U8E'X\)[ MK?11@;G#`<7B5JPWW$)/.;%[H[P[H6ZDE\A8#?1M[G@BW7"L2-Q84S$.[MH= M9GK<,'9<45WB],##WN*AU4&A'*`!:,CRA8$&H`%H,)X]#S``#!4'0Z]A[-AP MH`%HJ#@:S&7Y`@P`0\7!T++Z31B'>_VL>NYG&8+>+GV^<0>)]+80]"Z1[*O+ M7'4Y5;'9,Y<*C^-*`2P`:^HX&ZP^!6`!6`!6=MNQL?+%P!5P!5PM2JG7M)O% MZQ<`!H#M'W/V M?0L.]`IZ!;W:N:R@5]`KZ!7TJBJR@EY!KZ!7T*NJR`IZ562@ID1AT4+25O6G MVW2,K@)OD#Y'9ZY^4XYR;^25MY2^BIAS!2FPX$!L>0ZU?DJIS%?U-K]NW+4Z M3:3I@F?`,^"9`G>!MZWC!E;Z0#.@&=!,D1LC.E:O@\T1X!GP#'BFP*PEJX&M M(F`9L`Q8ILC=:`VK8[#X-&@&-`.:`A0''I1N*$FN3\V.V;/MOM7N-4QI2EWX!HC86T3T6U;3[@$0``0` MD2TB$B):,!%`!!!1P'(7\``\5!P/W8[5;./P>@`"@#"^A``T``U51T.W:W7- M'=%<%T1@5]RZP6Z4;*@:0]7E.+9CJ]'&;C!`"]`JH&AXNV$`;``,`"MH;:V%([`!+4`+M@L``\`J!3"[:W50>6AM M%\VEW*Z_/_9WKE^?ZZG!ZPF&S\>O;TG7T.8W5GUV?4!N_:?Y(;$)1[P9B26*;=.B3#)W1G)%: MMB6:#7MYQ7V39[\Q,:8."4&%#PYB[BD+!->@@<]K`G_.O\8/PK'T%CC0YFMF M#]8@$H[RO.R:=P>-`_V9&,*9?EXAD4MW3$/]6=V*;\%8+IF.L0RO73]MI$SB M8/I%:J?T-[?N(![1U22(JR`\GW]BK1ST_MZ%6DGQF\_^U<5GMCTON.*M'/3^SI; M>=\^[T%-/_'5;]R8'NZDWRP=7_V+<-E/#))(^H/(U$P(<^GUSYK/O*],$O;D MIX@"SQV(_VWH?XJ0Y>-*N.0,&S\S_0NYR'%P.`R24*2W0_&@>%M0O$^)%[OI M?6VH'+OD\CU582I!-1M6PR7D(&%ND'=MJ!NET$LO75EB?UB:\OUY*'ES,>7 M]Y#WL67$;U&(51!<:80%C8/&0>.@<="X\@@.&@>-@\950G"E$18T#AH'C8/& MF1;F]X/U;+:?9R3"P8` M`^PK`[0;J*0`_`/_^XK_EM7L@P'``&"`?66``@X=`0^`!\`#%>.!EG7<,5:[ M'0P`!@`#5(P!FI@(`/Z`_[["WVY8_1X\@'O]+#"IWZ[X&NOI2(;7ZC`8#HWM M_D(F!$YKS)V2W^NAM@N@!6B9KZ&.PB[`%7!E_G#\8V-U10$L``O`*G"5"@`# MP`"PF4?815$7``O`,A]6[0!7P!5P93QSV>JT&X#6F@)X^8:PJJ]6?%,.@]95 M.*IN!ZQ3,7+IM(S%<>K"($##WJ*A9:Q6-<``,%0<#,B7!RJ`BJ4H1QN98T`# MT)#%)GHX50%H`!JFB<4``\``,*1@L)K`P_U^(LG^07WY&@8W;N0&OCXI_U46 MQ;X3P?"U^,CGYG_4Y^:;TB@LL6&)+9>`WS07!Z_]$AN@!6BM#:U7K=;6]&JN M(\5M1C1L]5X#=`"=>=#US.UO!>J`.J!N+=097!L`ZH`ZH&X]U%G;V(P&W`%W MP-T"[HK/]P?H`#J`+@^Z=K/XW6O[@+J]KQMS[G.S4#1FRP6P%BJ+MR8_Q2!( MKCSUHM+BV4/YBN5:Y>70-F.GS*TMP"W+R_PAM:UCMP%W@ M+G"7">XR5VH'S`7F`G.!N;:6L]AKF8MJ@;O`7>`N<%=EMVN"PVG5CEL(?Y=(]M5EKKJ0:^@5SN7%?0*>@6]@EY515;0 M*^@5]`IZ51590:^*#-24*#!:2.:J_G2;CM%5X`W2Y^CDU6_*4>Z-O/*6,E@1 M=:X@!18*9];'6:R*\$S8!F M0#,%NC/]GF4WX,Z`9\`SX)DB]VLWCK&]$2P#E@'+%+@CK6OUD1X)F@'-@&:* MG#2US)5>!<>`8\`QX)C[M[5Z?:O?,79D=.UYIB);/8H##^HXE"37IV8G[=F- MCG5L]TUI2EWX!HC86T2T.U:S9VQI%H``("H.")M\U9:-8C]`!!!1P'(7\``\ M5!P/3=OJ-U'_"H``(*9+"'"7@`:@(0MV=X^M=L?8F7QU001VQ:T;[$;5AJHQ M5%T.9.M:[6.<+P]H`5H%5!!OMI$S#&@!6N9+"5K'/1R!#6@!6C@"&P`#P*H$ ML([5:&!C/*`%:)E?E0"L`"O`RG@@HVEUS%6KKCVVO\=\QMW*ZU?\_9?? MD^CP6LK)FUF]YXL@/`W5P(W37EV(-S!NX,+Z<2'Q_WSLVZ[T6^<=P.[TR-N?ZX M=$RA%IP(ABR:B*0U2!=D4NE+CYY/7_"JC)B$*J+_RM@-_$=5Y)G=TU^Y/E%> M_*;=FQ@^XG(3'2]3!RY'ZLFAB83K.UXR4"*FJV6*`3VH_/DT&!._W%GZPWOI M_Q#2'\P^_!:)VU'`RW'!K4^/#T(QEO\*J#EWA^DW47(5N0-7AJZ*+'$J0Z([ M<4(HC>G1X20(M4;0+Q??WXMO2GKQG?[AB+XZ/3NU].OTCRG"TQ^%(.R+B.3H M#HD[23`N03-TTL;..Z';&DH_(G32:R(QDC=*7"GE"^6Y8Q(&"\7UBY3K?B`8[R>A(;_5<>>5Z;NSR MHV:8Y)9-_UYH[)QNZ==YR^D:0@Z]7S\S5#?*3[*VJ9\3Y9/)U(OH_+P)#56@ M`4X0H4$?,-:RMA&6_Z4;'BQ`[^'>TD@)EUK$MSHC[H&FF*G9UB_U^*1;3]MM M2Z1K^MQ2ZD!(;,`/U[UE,K'T5^Y_9E<,U%"%6O#R9R8V:\9/0^F&^H%J41JN M'\5AH@>2^O9_(]=3^?%,6!KR1KH>^PMT->M8^D;J=ZB<@'K^'Y4U602^[@&] M=YC$"?67?=)LK(/'N\MLF=UT2_A0`^IDM++CU+X[TG_ADS<313*D#S)BNB40 MC*1_K9C#!37-#\:N,Q]O_;5N`SV2J5K1NS(.OE`#!@IA*R(MB/58BS$IX[6\ MSH8RH%N)7%+>713;B1,G=#,9]<0CS2"`>0,Q<$FQP[QN$`R'83"F-@21RJL& M/>(TH:$C@8]E^(.LP4*C'6YO:I!"-TIM#I.[IWXRW#/=_UB@1VESGY560Q`O\-&>MM`UC(5,K M0YB8&@QZ1$[$0,EL;KP]B/B!9L*0E8.HDQ2#J/W:):N M$CVLF@4SAX=4C#%RXT9:\3)6_!*2>I(&7Y`RL&VY=U/*D[G;4NY.F9R)=)B$ MFO=G>&57:J;:U-287!QJ\UWFP&17U9UQE\,/ZT4-%@(-IS(:G?@#_L\Y<0HQ M#D/YV7&&5K]U89_V&\?V^7FC?_[^M-EM97&&SG'GO+_-.(/)P-+J(`-+*_4` M^`\UEYM)A=NY?I4)(!?3R4!",_1(I8:))RH\1=*CP*%F,LS.0T,SBRGP#]9L M=C,@$M,.X8`>%[F:7-BQ=.-$,PQYT9EQ'2;^@*8-I`0Y5S0:41L.::(_SKNC M*:\%H7OMLD$E8YB$Z91),V*HR+^G3HZTY:6I'S'5/*`]^^MBQ8N)/>?S2?T5 MVW(:S\,!N06I5[+Z:>P^K-OIF:PDF0;_4$O:[\.SII/@_*N1I(CM`N6C1C60KH]L4D0<2#5UM`I>;F(XL MBWO:P,?MRS(]K\6UB^P;Q*FMNF2SS"5VH03>>/#LD]&*LPC6"D44)?:?\U?3=?Q(NE[#R[_@T1K68L M:B%)[/HNG?I%:J'1=%W@W="DD1IP(\,[?NN`YJZ*8U;*R\B*ET&T^"TQXW!^ M:!;)(PX:K89#M+@YUJ!2GK- M=PZ\Y1\V"=TQV17O;F9VB!?U/IO@BC179G8X_5';^[D.EF@?=`&U.1^`E/81DM.2%1V^"_%1A5SPRN^CG19DM/`U-RX##$5(4X M%JQC+]1+\F=T+('U,9O=I6[7#-(YW"W`6MOI>WJ2QA1GT4/V$[(U0`YJW$T5 MF&"7AA))P5.')76;4M\M6$1"%I?19*/CM/R02([5]#43MN[L4HSEC_NZ*ZG3 ML1@$6;";/*V,@@Y3"LJ_9^_,5?$AD-G`C22YGTE,+)72SI1^%L8J9929I.GLIH-`X[]16],#(S#@`G7\?X6TF4:-'KYX>3/ M^=>D-G8AH\;F:V8/UBD9PE&>EUWS[J!QH#]'$^E,/S_?;R7;0^8C;:1,XF#Z M19KUI+^Y=0?QB*XF05RQO0LY`\:3DTB]F?ZQI+KS=N>WT,ZR8WHK\X+6V(2K MV_+NX+CSZY-Y-XO)/=F-]J;W-;;]PGIV<)\/#%V>(JR>N/V2.@-!$A'M/AY4 MV[#P;0;C3%SVY*?0?JOXWX;^IPB!/R[D)58U7L"5XP'/$&7)]+&\V:10M56J MMO8N/QPV\5#Z[NGB]$7/7&\/JX["(YY![5"7-.M?/B@P*TUK(Z;/[:R)^GTL>U! MO,--\GZZV>^\*X3_*V<[^GAGA1?P?FB][X>/EHKX+(T;-_!F)T+QYN?Y<5=\ MD,J5YT:CA3US>E<)'T"4:]%\F[<^:VSH_E3Z<"PW/9].'[FE]X^G.Z)X"_KT ME!K'DTEVR,S":3$3>3<]BDN*H5*\&4]OAXZ"<>[XKMRF%[J)S^-RXO0H,?WZ M=&L@G_1RI?2VPU#>^B*93,_:B8-8[Y6P:G1T:Y^N2<;`?6]-BI M;./U?,-U?H/5M,!6))1T1K-A^"W*!NTV".-1NB^3SY[AAZG#J[M#_B^?6N-. MGS;?T*6W;\1ZXWIPE6XQYV-Y!CSN@_SI5G?SXP:YJZFV1-D8S[>4S<[&F9_? M-6O>M/W93:FP$\[%U=O9:GY:R6YV3^J/2_G)GZ99M-_4PBF@B_N1^7_B_V08 M2C^^$Q_G!]^5L)_U8.2S9';D87;J7[/1:/.)&4%R/>(/_=RQG[-]OP-A'[9% M^GP^M<'EUG$.T6*VM.9#?68&/R+]*MM".CV\XK/,MGS.-.0DB@+'34'[:IIN MT&R\O?C\Z63VT7[[.F.6]*FW;`O2-P6"KYP=="3T)D,9#N;4-]U$2(V[397- MS3:$I@^;/H?O_H,G/+YFU>\3WFO-)V>9#T MXB1T1MEI=M&TS?>WWUZ%3++3(TOXNL=;G&X@7WB$S+TK-VY$D_'=9'9VVKQE M9)_T58D_D>0V9D=CTFA,=^;SB8'*\_3!D[G]FK.][=PBLFL+1D.?&\G[U&]X M^60Z\H(/?7.'\\]\Z*`^SY,$K_A@#3[<,6T,J89WE^X'G1J+_`O<;$MSV@FIJ'^0LK`^+*LQ"/;+IA5I.1 MWG:::7ZT<+H=__]$:]>_$U*_*#U3A_&^X&=$8K[-G#VJF8^PL.>8E7!)X[>P M[[MR^W73S;C]WE&WU>S9S8ZY/;F=%^[)[?8KLM6UV<-6UZIO=2V9$$L7B<7^ MS(?W9WY<<"RU*_O\T%AZ^,[1,NV!.]_?GJ5&S+VD67`_G>+#:=H!7Q40F-LE;;7,;?=;4S(@K_+Z$5N+1'80 MB=QCMD5".A+2=Q3+-+<@>"LKMRT<%XHS?/NY8+-)I+Y MU/&T'IIR=(I#>'\_K7:3/T/L;5N2$ZF;<2V$+U=!+]P'H?!7.X=0XE]F# M'\[9Y(IN:>8__12$DR"K0#3+DYQ+1]=[HZN2,$VRO]>C62:J3J5\HOK:&O3X M'!7*I\+UNZ93)E<5PGK)7X])9M->%Y)GF2K1E2*7643)F.M`_8?K[\UKB`=) M>"_S.)]X?#>MTL=%#77R^-"-B$G,%&19>63^)@]"&N<#:9Q&:ZJ\-'^SUZI( M_J;=1OXF\C?K';A`_N;#^9N+\3U$3)_KQ7][U)_(>=#:M;"0WXFH*O([D=_Y MXIAH[[AP4>U;P+/,CJDYS?FL8C$)@QM7GSB0AH9F9BH+HY3''C4+L4B@:PN"=8EW[6`(B^XB'VR?(ACK"K#BD8QVH[LUD>U;1*,$*5R[R:TQ93G$HZ9C,]L:A%GJ"Y>D M9`W4Q\Y%9&VS`T+)F`Y=7_JZ=N7\O$\RLY+/PIR0X--#T=+C.KWY:8)%Y`:4 M8RB>F!MMT"X^(?6^*$FG#V*,GA:.G'_)*X?M)'Q8YE M[NC:9>&_T+N9_?6-_5LO2L_DTT?O'O*YMYQYQZ?B\C%JW)@T>XR-);5IN3#Q9FTB(NCJO M+N,K?3PLW:Y/K=6K.V.B+B8TYCW6@Z>/Y-87S@[);7:R MXRO?F+`J2]DL%<\[',OPVO731LHD#J9?I/-[_4T!J8EVZX6YB9VJG"UI-ZO2 MT$WO:U2EH>7NX&8K7-M/]D/VZ1Z&22N6?5HZ^4&_H%_0+^A7)?6K?IY)\5L2 M_LD3TO.TEL%L51F`WE=`;W<[3!9X63?>5\[B<0/C@ M.\'8V(F@``*`\(BR?59QL=Y>>1)T"Y+KPRM?R&DN_W2VX`3?\B35,4YL&`%J!5/M<7``/``##8+L1P-_6BC<7\03@UGIW;YNK@UH4^@(>] MQ0-BN$`%4`$K@1CN2[U/8T?(ETADU26<^LR#&ZTFYL&`%J!5`=<7``/``##8 M+L1P-U*82ZX3+X?T4,S1,4=_0EE:5JN[?`SMGL_1@8>]Q0,BN4`%4`$KL0>1 MW-*A!X(K1'"%E`-#I?-UBE[5O!2ZW;#LMKG8Q,;BW(OB8B!($"0(LEH$6<3B M"%@2+`F6!$O6AR7A1NXF:E'9&K4[DN)S&EM4^<[I"I]X+_T?0GI1($8RLM(* M0DJD!=E(/9,P4EQP[BJ)J*D179&O9,<5%KF$O.MP14V?$)5,)EY!96S+/5H[ MJ[=Z3>/T-0R(>IBS"ZRW>A$&8Q&[8R7B0/_7TJK"17BE?Z>'/YXJ%.D%%R8D MQ7%)36Y'@>?=B>#6YS+)R57D#EP9NJPSH1(3&7+E8W[J#7T;))'P=*\F\UZ1 M7CHNRU2_FX8@G&GDD9@W\32K\NIXTAV3KD8)O5ZK[(2^88WE5KK^C:+!NI9< ME#D2KXB$O6F)23%UM9ODB767RX_W+>TSN+.NI&?$>& M+[(0KD\_K$382-XH<:64+X:N1Q+CA[&_O9>[]+A>6U&42)4EI1!^G M8S507#>2'JY?G7BQ+G4K@B3F,]CYW4HZHYRX+6I,3"T@)).DJ/&RZ:3"(D@YRX6;.H%V[,I"3&K*9! MJAD#->22SEI;[K5:OTC7\IV$+G=PK&244)MR`HWE#_YWD#XG;=>T7+0NK)EK MN#5K\;RU>>%_R(9RXOI1$DO'(3KB M*K3I&)Y\/Q67I-6.:'<:ECB5(2F@!B)=&2;*5+WG5L,BA]C(L[0CDN%+WFK6 M?]P#F?[]E]^3Z/!:RLF;7,GR$W]P&F@>4P0Q%9T1\7D!4\DE#<5[+W!^_/5_ M_ON__I*[E>O,:Y6G>\_)V`1W2KU7OAJZ\5=/^M'L1H8K#^@W-7QW<,8GZO^] M_<_+LP/A#MX=7!`M''9/S\][Y^V+_ME9\]QN-INGC5:[<=P^.^FT3CK'W8._ MWM.AO)">*'>[:I*Q+0],?UPJS7#^Z>O'+_\\/Q?OSS^?7WRX%">?S\3WRR^G M_W]Q^N73U_//WT\N/WSY++Y^//G\O1I>]2K?:>5?%>"(![S.KZ3NS.^LVT8` M?)3SX5*^N5`TAR;+,Y)DU--"V71?Z))G$I#70/;;96_R*@49.T>Z1>3GD?O' M(3'M$7@>.Y_B5DW]3,@S\J9W4SQ@DX=21R=60%^0T MT%MG-;(Z'9K"I^)*G761BXWX=\)=8*O&\N? MND*6')/K%I,H!PFY(^PY,HT.,\&[ND(/>4P_Q20))P$Y75E'T_?(M"ODA[`U M)R_N3#EJ?$4-Y>KO,Z]OYIZF])SU#&+`I,HJ35!>'/%2#O?4Y\_`.9MU<4B'!L(C%]T=NL:\-O-"'W)< M@5S+9)QXFDN8VQU73_7S7P>LJWHN'ZH1*R=-5,@MX]B`'JL\39=LB**8>C`U M,=.Y$S6;,.K&=]H,!6'(T[LD>:;*]]:I$VPDN^`KD" M>@%"0V@>-9AI9,3A(B-:KIVB^=BU;"-/?6-"!Y;VQCPX&UI8?6R0HN0UAS_G M7Y-&R1>6SVR^9O;@5!<\.&@?Z3/]80LF\W?D\U-D:56]EYO`:F:RZ+>\. MCCN_/KGZM;A`E]UH;WI?8]LOK&<'J[<9SGC@8F$.O#J4\4OJ.:>N4;3N.BI* M=_[GL=*=)FM.(C4'JO:XJJV]-Z7J>S8*26=:+=93[=2N=GD?=^XV5=TMBKD* MF"^-L.I+EM"X&CF++TU#?+]$=N+$B=0IY-?27-+_/-A[PRL^#7F"89BKY&8B+=Y01%>'&8)F&:5&[351>`O6I:[?[V M:HG#W.W<72Q.4M]5'*>IW1LEEM7,6\0<"G,HS*&6CC\Z-C:%J@L:,$UZ7I(* M'XEA.#4%Y[T5M=*]]^>]X53,LGD7):+.TKD=8$FP)%AR'UARGZ,5^M,C>T"& MT@W%C?02?0Y$;I=S(5M!]C'_OGR*5CKY0'\P9][`DEX\Q%T\=2[5WHZ"%^+* MX]R]P'>KL7N&9=C2L%&YN!UEK#ZR]GQ@5OL>D8N#!3`@S(Y??A*KOY MHRXN'.9(F".5TF[5!6"\H7%%P3YL:,2&1K.Y-)79AH(\ZF4!(EWZ^>G2^Y`5 M73YV*YU'`08#@X'!2LM@58]0W.>[:;&TX\E.ZO?5H]A"J818&L%!$_=9$S&[ MS5?KW*6#7`YQ[.'A_E@2Q42P(#L.'@`/U($'JCZ=*G+CA1,FY#],N,I]X#^W MXL<.PD@X:00GC>"DD=*Y4B5BRVKY6&!)L"18LB8LF7,T?X\ER675]5MK6$YH MGNNKPVG8KMGX]6WII/BZO8FC?HD0V'(/>4A7%KT+#II[@D)3_]G'^-'X1CZ2UPL\.&@?Z,[&',_V\0B*7[IC&\+.Z%=^"L5QR$,8RO';]M)$RB8/I%ZDW MHK^Y=0?QB*XF062\1ISER4FDWDS_6%+:>;OS4]`YUS571N'7F,7JQKP[Z#9_ M?9)&%YD^N]'>]+[&ME^(#E:R@_N\2)-^XJO?N#$]W$F_63JW\!<^LC`>!4DD M_<%&R?=/KB$NN&[+/MAVEA(?LQO&#X-L-FSCM;[V>!X+57M4U8QMZX6J0=4> M5[6UC];"RH?I(N?&D8M3[?9YB17[_HHE&V-AQ]*92!#1_A)1=SG\!_XI)?^` M8D`QE:08N]$%QQ0YRZK39.I//U1.<.W3EP/A!1$.[2UDLE`7O)0/&J4SO75% M1+/9P.T`*W]@]86#CZL"[#V/O!V_G.BG%@-MEZD<8-SV%G6O3*XNK2F:.A_R"R@"BAM#\1A0W/5YVR6:`!8GP@?W51:C?MA* MCZWTU9DF8"L]8F;&?!FP)%AR1ZL"W?[NI0E^!#^"'\&/I>/'8V/Y/B#'=2?A M.(>IN,;FC^\Q?@S3=WJ-.R35IUNE$R!*[@1^))%(#/C9CH&(5 MCEV?&"%=_;J:5DVNV'%,0H:*>I@=+17A=*;2G,[4W]GA3)4Y2P@-K6)J0NE\ M\YVNPSPAR\>]()QG!%6KDZKA/".H&LXSJLKJZHGO)S0_BJ0GPSL^J394,EK> M)++)VA?=%B63!V1,HGJ[-/^8/Z4[B>^AYI6=KJ73(TL;[ZQ",&F;>USV(FA4 M(1HIG7T#-`%-0!/0!#3W#9H5B7-M80N.%W`'5#C.;<9Y]CXX^_WYB M2@IU04[Y0%(MVP4T``U`0PW0T#LRM^6YPEM,?D40]*4B/',CA[H8BU#&:I8? M,E8R2L+T[)Q@.,T.$<$5-4'J5))23J=*@DZ#MJKVYQ%4"(35LFX`%H`%8`%8 M:P&K=60PT?HI^>R)H_EP&G7^;V-)G^(AU*QR>--\SV9['0$O#GU1Z7RD`L\9 MZD?6SWG0EA)S7Q0`]PRLYM]?PS='2]R`%XFN.-A MV&OPXC6A`AO_KR2*W>%=85LETH]\^;2^:#81#I43!V'TF_BF8C>;_'XE15SJ MU";#?21.`]])PI"?>NO&(ZWG3N`3FO6Q#G&@OXGBP/G!NS#&//$.;GWZ>>1. M+'$J0[I47*B!"GE7QR"8\!**Y*63:6LU;'@'!XW(H1I/O.!.*3&8]NPHQSJS MORZG<+LE[%$#8^EZ]-Q!$O+F$%VVVXV(;?2.D&Q#B-[+(5JV)9J-AOW@8^=8 M#>D=\DXC_$IRC($[3%?HM1_J9Z3"&]?1\)>S]M(5Y$9X"R8!%3#P6)'$4$Z?IW3>96,A=4MQC(CT> MC:/E3IG?R5(VVMH1\K_+&QJ)2'SP65[NC=*H7[8LFXAK"MN1UNPH>Y,[>Q./ MM24F21@EO&N+2.`[Z3[S0;MAO_KQFM6;U?\T&"A+0UMZGE`D+I>U9HKQ:'K= M>^G_.!*7V5]B+&-G1+\2S\2A>Y6DN\`RJLG>P)T5ZM]LI.D'([WFC41FQ$?= MFH3J,)8_[_5A+`?$)7="26*B&=61ET9]D/3K3W><:&HQTZ.6N?Z0Z-V0<6^) M*+GZ%PTWM_G#M^_"<\>DE[I_1^*$QCE*J'-Z#)DJ%@7`G#I,/.].W*A(6P+M M)/F'I"1#Y:;S"AEK?8GU7"%4US(<>"J::4NZR2_'OS/#E.I1%4!=>5;2]_V9 MT3\Q0AB0S3R,1E(;X*&2<1(2]MTYP,GW';F*AITUW?6GFFY$0X\-(I=-OZ]B MIKM@K,1UH'>C"K;=I,*DL@3M&S=((N_.REANS*=<:0CP!X)#3*@>RSLADW@4 MA/0.P6>UIG,*[>5XS)'Y'X=K3!!9:6ARO/H9<`Z/4/V=`17VE#KGH)3^_CFICT?97FM]/".I$8/ M7:JTJ8T%28@NIQD*WTD/'>7M*&%O=3L6T)BYAD\U27I1^K#TVP%3:$8*'K=A M0#C./NMY'#<>IGN7$XI/TB?%T=SP+2WRI\E2FR$C'/5JFI/;;+S]].WK[).] MXM!-,UU:H5`;P9.4E!K,3LZ-RY$$!L9U2%,?K=-<73YT=6IH&@^[FL1J?$7HL9N6L/O]3AH083%G6*#7K`Q,?/&S\$6SI\,7G3ER>'HN MQVF(8SK5&B;L?J4&Z^$`2JY/Z1$:''OCUI"='KB1PS$:^A#>/=%9\G&B_*PN MTF1!5]!,)XT737TBNID\?#<:L:VA*<^`'4&R/.&CG3_1W4@;H?TOEXDIN"<1 M2UPKGZ-,F3GCC)"4Z>A2;0;3Z6+FB+@^M<73(9E(MU#YO'`QC?&DUI.N=3G4 MQ3*8QG+X5RU8:ZX0_%VH''?B,GS(@2$$>_RJ.2O.IL3CB?2)^\*Y8TROU',F M?L-*`L/I>/0H'%X M>Z#O8$E$-`D?)-[J)ETJGQ_@9+DV,Z&P7M`D@+1@.@;:,\DNR7R2(`DS:\5F M*A7>6+JZE^Y4_L,X-E#?2]?1,G)ZOE6L6Z+L/TJ^Y&%#VJS57[%RQ6"-$_(O= M8+))(A*3BW3V^+%G')<==Q>ZUY_1E,G.PHQ?'[9??I+]9.H3A MD27\30;G+%UP8U_66O!OIBM]_)WV=)?Z+%[Q;[DY@;Y,+UWF9@:IFWC#3HI^ MELMK0V0]%]8.9FMNJ4.FG1?]NF`R6SM(G5+Q0]WEG7)_,%]H7'@B_Z(7`8=# MLNSD6#SL1ON)]NG904CM)_V//(7,'7Q:/7@K-)3I,!9Z%Z::>:=IW-[;$*+A5Y%%;]P9H\<*9TF@] MX5"#ZR<\]NSI!.%`RW,:]7=#W8K5XW-B*$ZWE756_I>9E2S+;ABR6=,!RJ_^ M&K-C!MNIA:=^THR$G?$')BU?)O-5J-FD*9U<#"7IT5B&/U0L;J27Z`G;O>P% MGB7R7$UK;G8?SR^FQ)&ZRGHBG17`T(E"1#[JIZ.8#%4:Z%JMJW^NT/TL.I#- MO^]-<'D^-UM6H"D>S3MI"D2]I^DEMUNY64"<)\':59O&@JW\C#>=-I)=39VX M?&*#3_,10EW$,R(M3K%D3]G,RYXHORYRKQ520U+\ZT+\O_G+P6MR. M7&>T&/R;,Q@S0-XZ3XTUOULK^2`KJ.TJ=1KN;JKC]GC%]MAN_&(&?Z> M=FDYF$R,D&8"IS%C;6([4WLZ\VN7V9PUC:A#YP@.ATKG4JX58]U7Y[7?--.V ME<[K?(:QDC[,N;:]?F^+KNW./((54IRE_1#XHD"GQ,^6@?7RBHS3M0ZL]^[* MM;#;:[@6V07OR7T.PHG%HWRD[Q7G_TY(61YR..B"'3@1;C-J]D>FLZO-.[ M9J):N/BUR%:GEZY??LO2"&="I2\`9[6C&`GA2W5K1LI M:SZI$_*:)L?C^4K;U%AKDB+G*[U*_Z3]`.V,A7+B#KR[U%-I=GYEHLLFSZP) M4D\#9S-0\C^L>8YJ.D_,K3[/9[73&7@Z(<_O']"*M9`W-YLB,C32Q4JZ/G#2 MS1J.OBOMB^L(\DQ\+:+]]"C\H`*Q,%.-?`@Y&,M$;EH)I5*78 MS<9UA[9]7V4D6OL.5J:AY>Y@10[&+=UQ-;/F=G90*J5LA5%0[JD`Q>I"L5#< M"8I5Q5).T#:4$GM$_Z9+R2^8]S_\<'Z.\9.SP,+`1?&X^#_]Q:HPVP/!JZVV M[H3&B?9(NF]*Q/D\`X`R?UNSTSNRNT`E4`E4E@>5':O5;0*4`&6)0;D1]G:HBB_%Y"]; MT[B*DU>STSFRC\%>8*\2L]?>N13'<"D`RI*#$BX%7(K5+D6K<[3B)`:PUP;L M59$<\>)0]T=Z'M8N2:LDL)H>_FLWC5%X75!2/D#4WY0#%4`%4`%4`!6U0\7: M:8H%;]<$*H"*\J`"M@*H`"I@*_8>%GPH2XA_OM%$`Z5:S#KK?!C=W=GR>R55;\*DE-=D+8+?:F91=M7O#7[[:.V ML4/Y`3@L).\YH&RKU5K[R'C@"7BJPEF#.YQY-=O=(W-58P`H`&K/#503,RS@ M"0;*G,/7:QSU`2@D'1K2IX4#,)4_,'[TY1,:5L?UL9;1TR\W%6!=L%LAF);. M2I8'FI4X>H(G?[V=BWR2 M5,(2,M9!90XP;TW_ZCJ?;5F-ACG[^B2*]P&LY<-E=6UM`;*J@GR@/^#R3;B\ M?UQ0MAFX'%A\:<%<<#GT!UR^=MRK6=0Z$[@<6`27/U\^N2#,[S%'(E9>G_L[ MUQ//]=7A*"V[;3<;O[XM+E3"MT7)Y('QH_%YN]28^5.ZDU@_Y)7].JU43D]: MB;$-&B:^3&(W\",Q#$(A/4],Z,I@$(E)J"(N<3X0H1IZRHDC(85]2)<=VAWZ MCKH0*7I9X/P0T<1S8W$[#>*!'XXHL3!U2AI+&YEB&#.AN=(!MA M&IA@**0_T&,=C]0L8$>#_`)=FK?BDPR=T1S#+5N/^/+L9Y-G"U?W8!AXQ#V1 M>+,%-NGC91)'$R_2,E=?W/K#N+1FW[_J-OH MMXX[OTZ]##(RGIQ$ZLWTCR7]G;<^'^R>V]+>2L.Q1KQ<-XGN^?5)*[UH%[/[ M^AO>M^G[-KZO696&MJK2T';M7UC3H7B("N#J8BJ`L,X6]*=;[BUU2X[9"^9? M^M-MZIE=!=X@VQ25.<6YS5'0,_-ZUH:>I7J6RY78(+2QVDB^%,2[.DNO>*E_ MD_ZUXMGNNK/$K;9N6@5"?`U=1T6F>`=YA%O82[Y-(>]:3[^/9`CUW+G?6B:5 M7'^EJ7CU_#_]Q:K891E(_H0&4Y(1*F7COJFQ='T.$9>R>1_=X=I>$F@'M`/: MJ0;MS!S?4K9.>^.@'3CC<,;W6CTKHY*PBK"*Y;**6]L2MX7F?/UB>CVA MXLFS_<:1\6-"D1L+X-0>.':C?=0SO84(R(&76WYF,0ZE5ALX`HY*C2-CDS[# M9KESU#)V&!?T9AOR*8*B3$XX4V^O?WS4,38O@&+MJ6%OF#[U"(8=.`)!/YN@ MGTQ:W)<"O\VVT7C7'AR2N'\JTC$:V-D#%<&:9A'&K(Y'U-I6KV_NJ`Y`"]"J MNN"*BPPUCX[-E50IC\"@:>5*/,E\IL91]_$S1*HIM#W6-K@,@?="^*@D.V@?M*X7V&7<$H7^PO;"]^ZA]51%UKE<^6U4"53P3.RX1%R`?R@7P@ M'_@"V_<%&DWX`O`%RH/%?9?/6A6_MZ;8.3&A8/4S6G])/REQR_]::O`FS_,# M(X\1]TIFW\J0JV/'@5#CB1?<*16)01(2EF8%M*.J5-"VS#21VK-\B.)&LN92 MY*::M)R'L\F#CL3:AW#O%CZ5![\82C<4-])+=)T^!E,*.G$=2C^.Q*TD8$6Q M.Y9\JCQ]SY<,Z,/T'?3Z]-*\OSI=GIVOS!VIP+1WE>=LV[@\:!_DS>B3/]O$(BE^Z8QORSNA7? M@K%<\E#&,KQV_;21,HF#Z1>I.Z2_T76LZ6H21.:%DT_DR4FDWDS_6,+(O-T/ ME>=<$2]?8^4CJZG=W;A@_-8KS9?\A5LK2U`G/_NEE5!JL\JI/RW5Q5CIEF%* M!U4K1-6,'5L.58.J/:YJ+][14,&D&,,9'=_A#0CSQ_41Z@M[EDOH.ZEA"O!PJ6"&!58O3 M2B0X:!HTK?*:-I<;YH;K2^W\YT0YG"7BN4.=A+*0KP+_#7X__'[H#?2F&GI3 MR2SR%9])>AJ,2=ON1*B<0&=K._2%\B.IS;/ZR7]K@[W4 MJTW>^$M3Q*,@B:0_,/(\X?IBZ$8$3&.YT&;2Q_<6-ZGY,^Z2N96$XF]IT4_C.T?_6DOSP*+S2UL[\^^*+9:'0M<2I# M,J="#F@.P-M#B(4>;1*S3W;/>[HB"">6^.`[1^(5WWKPZ+T'KX^$N!RYT1.O MF(0!1_C2C'5'1B,QD7=CQ;GT<4`-&+J."B-!/^:VLJB(AE!GV%_=Z6XL/)<^ MC-TX5LH2MR/7&0GI10'=%*MP3!H1Z3ODF.;+<7ZK3)0X_')V-]P)3XZ.5@GS M'YS=[U\+ZMBU\E4H/>_.%)Y_-<2`.NM?L$29;TD"0V>&WQ`*3R2V5,FI&.!P\5C\)`R7C$ M5PW<2%[IQ4A+7"7Q='C2$1%C>2>DXRA/<6J1;@%+4])(D"V,W;%:*?6O4YW@ MQH_E@#<[B"C@ED>D0M)A'Y&S\.606JG?J:C'V9Z+C'6U5*B#F5)H!8AT$U:^ M\X._<"-!J&?-E(U;JZ?0)#^7GC)TPRB>2C@A1DD;X:O;Q_5_U=:=30;]LZ&- M9"N=$-[4PF[*M4]7#W)V3`NFMO:_9]C^+XNQ4H[`].^__)Y$A]=23M[DM?G$ M'YQG!/V>>''HQJS>T259V/=>X/SXZ__\]W_])7]CJ$9TKWNCR*($8_4YB-7L M8LU!].&;&KX[.&/=^'O[GY=G!$=O#NX(+0?GKQOG[0OWK^_:+^W+TY/S_O] M]R?MQG'[[*3;?-\^.S[XZSU?("^#)_;=K)K^+;D2"]N!6M,M1(7X0OKC4L[K ME\N_G7\3IU\^??UV_K?SS]\__.-E79R5QIBC).X0\*NQSJ^,O6E*K\M5=?M:WCKK$"ST\* M9(Z8XD1D6%M>@X)`0:"@(D^^/FX:*Q->\+B7_U!KL$P96&8+YZO7@H*J<*S% M*]MJM(V=P&?61:J`GJWM/^W]OJ^3)_(*>,:,R-QVK$%EZI"4UBJL*\"J6P>S M$^AUI;:W5@+$!F(#L55N6HZ"5.`NXJY)3=CAEZT_='][C7O=MZ#7-)V_W MVJUCD^GDQR],)V^WJY*,7)FLZ4WO:U2EH94I-U1/%46^//+E2SOE0(9FQ3,T MC44I``:`X1&E^\KK<--#4$X&O$^93[B`]D'[L%L#"EAW!:R$+[#VWCGLUL!N MC4I2%%*E]S=5VK8:76.[@Y$J#98!RX!EEF_3"M-KVLWBH0:N`=>`:_:7:UYU MK%ZKN36!8/\I*`@4!`K"%GALX=I"[(RC9APTFV0K1YZ;G;.^2VJJ&77/FMO< M0%H?3Q7#2P&Q^KJ@`AD>FQXTDE8NR9(^$'[<[@`J!/4">JL&'6VK>[ZE3-`GB!/ MD"?($^191$(2R+/08ZVV%DW8NS.SRM/8+58AYR+D45:%W/6'?/Q7S*EC\BI( M8B''A%/Z/52.)Z/(';IJ((9A,'ZR*+E.18L#77[<"7R-2WUQ%--_QEEI\V"B M0OV^2%?]YHOE<*@ZU6DG77O7^MY M!;DKDD!.BK\;ADSAPJF2FZCG%MZ%J4+67J9JQ;SEMGY)V?_GO]?Z&2L M3G)\:LX5JW#L^NE/).;I23T33_I%3+2`;6S%WK^MV$#%WJ+BE6W9;6.3X8U2 M4LMAB'`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`YB%*;[)6`$0YHT:SOM:5CF=?`)E`_N"?<&^8-\RLV^- M=BZ:%*WQ.$")1%8Z-%=%<$7J6NY\BU]K*+IJZ9S1#5T[C[6G@?2M*97YLR(J M<)9,P:./W:6UY9H2":Y(^]8X:C=@V':M;#!LM39LS6.+)K6P:47.?>M%RS3% M-;8!'>1;-OD4:]!;;6,&':I3VR,*VPV3-JDNI@>`J)I\MA3\JZZ`2J=`=654 M'(6,U:S-7/UC!&`0[:NH02N1Y$JGOHH"#FD![_D;(6%ED3)Y`$IDI3>/G)*9G<2ZX>\LM/C9^E!"`PB M,+B9)MI''7-9$U"=VH8$FQTLL@`0X%)P*;@47%J:F0;F]PB,E*Q63\&2+:(J M2@&I6\=]Y&*77E6-)FM7H%P/RDJ9DF37J`N#NGL@R%(2)&PYV_)^"[:\]*H* M6PY;OIDD.TW8\EU$.4I>EJ\XZ/)MA:]^;M`N<3X<*JXNH_1)^UQ[I7EDMWZ= M%H=)*XM%NF"++HXWGD@GGI9PD6,NZ?(?F2_K0I9X[/KI5T.EN"X6'^0?)DZ< MEJ<)0E)KXHS'*[2L.4R&"Q06KE9%UQ)*/_+ESRD&8:K*XDDDI!BK\94*I^J0 ME7I(2P7IEXXEER@DA0N2F&L#L?V87C;7#EWL1W+9NZNI-O$32;GF52,X08%= M&I]%+89$K[KP&L$L#LQTJ+5B<6.3YW"SN!)C'-"@"!E%*HXL+@`I)Y,P^*GK M)WEWADK&-1OMHT:5BL:9JE]=R_1OB(ZYVPBHV53Q= MOE-K%%TMQ95'%Q/?927][N8E4G2U3:+)V1=$;_].W#`C2:WBNC2)ZZ=%0R-= M&(L&F`$X+27Z[X3`.;QCU4^U0;R:E?TB16!>O>8C[M+27MRL>7'!U\(/XK0L MY*T;*3'QU.!:#:AA)Q48)BM?]65QD-*.1%/J6#E>_(,C)TQNV9@M$DT*,9:K M&3"UCCJ&H<1953/]HL$GLZ`[M]CK;%#SBG)/*/FD8[EU7;U3CG2KM1,ARZCLM]RN&< M"'-1*<45N4M9.;O4R)%$!,^>V+;1'6:ZVSVRS0[E,`S&"UVIB"G@,9*.$R:Z MKF%63&HB[_08!"GOYYA(&BI\_$NK/:NL80Y++/]9)]1/K@&M#+:YT[8--YJK M2G.CN:2T4/H`^2HH3;'VTTQMW-23WHEJ-ZNGVMU&J]*J;:B>V+`U?WFLW-V,@;I?[B'0S>D,2$')(S3^5RN3GS9:K+'([)+DLOKZ9KW;&4G MH2)04"\-S:HZIB=57L"!5)[1SF:]9ZNN0MNN1O2#^F:0)W M-]2!FVR$[P5?TID#84IZ:?'@*`H<5]?ZU4X7C_+\!=H=UU)S=77%J=5/7=8T MU*/2&3>IPDT*@2<*[3XGVE;9:H8["NI\3ZYT)68]GDN%.LVH_1>?'CJ)TY". M?B*$E.,:+=6!NDWPEHTDB$7/?5< MFJL/4H!(?::W(7JPS;5U0I+5[;4TZ=)L+V9XZOCL;.H['^G:`AD],P^S([QVG#QYP MA^GI]^^EG@FBU6@D!B[Y8^Y5HLO8\_OB-7OG)./$DWHM1^,CFQ%HOV%1X,PP MTO>3,3M_*M8_S"4QC\=0IXV10.NHT3$53&?;HZ4R"I4Z)'Q3@S]^>/_E&\GP M3[*_Z:]?>&TULA8&TM6L.'*O7%8RS1PD)^WXNCY!&H\*$I8V:R7I-$N5 MAU'C\$9ZJ;-%8Q&$:N'I'`\:3(>(?Z!A(F>`O;G\1$U7VEY12KN$KD?E?:=E M+Z;5T%CMYY:D0NE&IKR67XS/$_1"&"GCC8:N)QTUC109UZ&C<]V78Y$).RZN=/EZ?3]2+- M`JG!,.,N-XT+7YLY4IRS>5"`;$[@#XJ."C0-ALJ6-9[8.7%2'\M0B\U(?KJT MN`QK-BQ7BE0_-4'S-*UY>EB$6OQI4NC\^'#;,(PQ5&VO)2S:M,K:!`= M[3^0VT$M^?M\X4G'*%9P#;LDJ:_#3I%+W@(]YG9:.DQF5;I22B+DD*X0SY`1 MH=MR\0,AOC`^IKDCZ>)I=@L)PU,1`YQ>,;_'FF:?L'.9=MKE-RYW>Z`"O6K'Y?J.9)["\CW7@J6681WU^:^^3Z]'F< M^ML<,0KS[GF6J4@N2BX54.JH'>,EKWY1H?IGY*EO3`S\.V@9V5Z2?\FNC^INE`KZ_I,FCJ2L4/4K+J(K\@)B7A&JREB]V0T+5'E>UY!5 M0']IA%5?VH3&0>.@<;L2G($9<:.RYE??MK`)9)>.SHE.)Z7.[SRNIR M&`GFAJ"`O:$`L\<<@0)``:"`JE%`#Q2PW;!=Q2<.WQ_)IMHE@Q1<=JPTU/*2 MHQ=+PCEVSVHWU@ZA[WV].83'2N2H@&9`,Z`9T`QH!C0#FJEO]=S[%),E11M/ MZ"]TS6\W2WME$A6T"EH%K8)6E5Y42!1<.U'PFS[G@@^AD_%LGR'R`G?->R52 MQM()#AH'C8/&E5]PR`O<-"^PKH7)N6ROZ9G!?,PKDQEAK-HAJ+G&4.D;"X," M*H!*C:%B'W4!E6=`!?E81>=CK8TTH_.%'4*P>=0WYM@]*9,Z8Q.S]"W8-Z`. MJ`/J@#J@KGI^Z.X15YI53BP(&UO\@%9!JZ!5T*HRB`K)*VLGKWR2/]TQE\Z8 M5;Z:%UB\=_(55PQ*:QX-RK M:DX,=VYR0`%UH8#C8U``*``4L,<4T.U;#7NYB-.>4P#RK'#N54FI!2=%[-M) M$0B/E-@\9! MX\HO."0-HH[FO=#/4=_8TOGRF%_N?EV<'PAV\.[B0 M3GS8;W7/SWMVOW]QUGW?.SEN75Q[&A?0'RRNS4:QG(2ZI)2EJK%=JZ=*(R\4M=723 M9GR2H3,2*S8S;?(P(4/%C1L&'EFGZ/$5Y#6'PE'<]W6PLC!>/`?53W%]LI#I MY_QK_"`<2V^!4&V^9O9@34;"49Z77?/NH'&@/Q.A.M//ST?Y6(;7KI\V4B9Q M,/TB)7G]S:T[B$=O^KVC1KO;.^[\^I;GHRIDZ^#)2:3>3/]84MEYZ_-S^KEU M;JPTF6N$!723Z`']7Y^T+XN6+[O1WO"^;;]OX_L::&@Y[H/&5+.A%4UQ+L_4 MJ__4U"LU(IDD[,E/$06>.Q#_V]#_%#T#6[+CQE/#8D&Q\HJU]C)L M16BLN,Q3??4;-Z:'.P_(\Q>:SXAX%"01S7DV6E)Y,@6K`)5\?B;65I7T1)__ M"?[;04QS_Y3MJPKY)1R%N`P(ZB*+9NST,`OHW][HW_]-XV0G69SLFXP5=,^\ M[L'0PM""Z&!HH7_[J7\O,K38GOG0\OCGP#^;V9/@L9!8A1,"V9K"%3UYOG[QE-5M-^.2@F1IY!R7!EMTX M:AO+[H%3#M@!=K7PNRL&OGU.#].W?;@?]79&ROE!?SQ#O>IZAD6K8?6Z#5,X MVQ MUCXZAGT`'``'N$M(R7SVJ8_RAIJ%`QX?RXOJ6(U&\8?-U05K%8)5M6Q2'1=: M[-Y1PUCH%]`"M$H@N))`JW'4/`:RRJ@@-4/6_CF$/:O1P2848`M6R[Q#V#]J M&@M?`%J`5@D$5Q)HP2$L.F)8I\#@)Q+9G1C+\(>B6],HH9".\\Q30.JZ"FNW M>]9QP]BNA[K`IGP(J9;=J;!Y:?:.;&.%D(`'X*'B>&@P.'VCI, MS6.KVT%>,Q`!`Y$Y3)VC!C)U@`?@8>8P`0XFPE`EBOH6%Y\ZY:X/J?-<&2P8 MBD%Z0F@1GE9=UBV;C89E-XW5"Z]]#+A".*N6D:KCZDKK^*B/0W!*J2&`5K6A MU3CJPVB54D%JAJP]]`A;5K^!K`"`"V;+_+[4QE$#=JN4&@)H51M:]E$#^=>% MQA#K%"K\%(3QM;P.PF@:)2QDOVO5?#^KU4*\_9G]A+&I\_+3VN6.`0?`H>9P ML(\ZQB8O@,/>P*&^WE*S@S-J@0>8!WA+@`/@L.0M'<-;,A%W*E&8MZ"*P_HV M7=7:E,(L%FAN37Z*09!<>>I%%9H?'(@*E'PS5YWK*O/=B^:+J*#`/S!<]9S>W_Q*( M!^(KAWC,@S`/VG`>U.A;K:ZY@^DP#P)#EI$A]\XGPCP(7A$POU^8IWF0N7(> M0/RFB,^M#_T>2Y+9JNNWYG[D9..YOCH<*3TN=K/QZ]O[PM*?79^P'[]I]VA8 M=NX\E:;UWYV1&B2>&HBQC!.ZRDV/9W!6']<@AD$HXI$2=]1;H:A1`['4T4W: M\4F&SFA.IBW;$LV&O1S^V.390H9*R(C:[I$5B-Z8&)FE%<;%H<@]98&5&S1\ M^?'DS_G7^$$XEMX"L]A\S>S!&G@T.IZ77?/NH'&@/Q-Y.-//*P1TZ8YI)#^K M6_$M&,LE(SB6X;7KIXV421Q,OTC93G]SZP[B$5U-@LAHC2C+DY-(O9G^L:2[ M\W;G5Y3G26?ME2EB:RQ*Z\;0`WJ_/LFBB]8AN]'>\GW]BK03_4/_RMS.VO>O ML9475GZ/V8L\G_0C7_[&C>GQ3OK-;6J#KP)OD,5CA>N3MQ,DD?0'S]F#5C(Q MEFX"/'<`GCRY86&^MCR'*C@MW60BV6H=^TI7!@,1!^)3ZH#?;3`?>T:^7@'R M+&7:WFII?Z/Y#'!L'L>M'<#X"5GN6M6T0.E9PA;_#(^@=%"Z+2B=?=@D;8N@ M;E"W;:A;\[`%=8.Z;4O=6O\_:!NT;5O:IO?\K%Z%@,*]?.9?"H5;?WUVU]KX M587\DN75M@<6K[;:N&`HGK5##EL-'\EV^%4Y M%.,79!"7)*^HU[5LVUQF4=W/)03-@&9`,\^71':MGHSH?>&;'/%/'6BR=YE&O M>!.^T6[)V@:2Z;8%^,-0-06 M$,TFN;FH4@!``!`9((ZMGKE*@0`$`%%Q0!`>>BCZ!SP`#QD>>E:[:2PP"$#L M#2"*!<'NHGFM_I&Y%,:ZX`'IY8^XV!RQ:R&]O&1VN+B5ABW'^&RKV40>$K`% M;!60XM?N&ROB"&@!6H#6+*\-L`*L`"OCWJ#!@[L!+``+P)H!R^KUS!4'`[:` MK=T+KB0AU>,CS+**#;76*Z+:_E5(?R`8N*;4!K13VQ7,5!B]IMTT1L)UX1*@ M`J@`*H`*H`*H`"J`BH?\;6`!6``6@`5@`:F0\):0$&E";32&5OSUK&.-*R31 M:K'2DU6;-Q'@@Z-1@:+-YDZ+>7$][(H7%[?M8ZO9-7<@QL;RW(+6[=X0@2'! MD&#(:C%DJVGU.R!($"0($@0)@EQ!D+;5.S:WYPD$"8($08(@ZT.0=L]J-(T= M8P*"!$&"($&0-2+(9J-AV0:WS8,AP9!E9$BCDJT"L.U&XZAA[(3/E\OW6<=Q M5\`$;7)6]^^Q))FMNGYK9)23C>?ZZG"4%M2UFXU?W]X7EO[L^H3^^$V[1\.R MF1%J":ABNAUD8CI9SDF0,0B&`J' M434D7,4JXL\#-0DB5__T"R'5(KT602C&04AWK2BUO$D#/\G0&&-B,)?2+A:'+O>4!2IOT'#GQY\_ MYU_C!^%8>@MD9/,ULP>G(^HHS\NN>7?0.-"?B6^<53/]8`NN\W?DT MFQD[ME>F"JZ1J*/;\NZ@U_WU2=Y=M"?9C?:F]S6W\L+J[2(T9\?23WSU&S>F MASOI-TLUUG\A1!/`@R22_B!ZADLQZU.K@-S7)P1:>I=V[S5O2<\^93;E<;,! M%2M6Q4HT!RW.>S^9A*XG,H](Q('X?XFO1*OQ@(N$8G'F(V_5+Q;7[%G'YFH& MX,"&&AL\?=O_2[R[/.=\5Y-8C:]4N`GQU'9?D=4U5W]QKZ&S%X;\BQ,'C*`< MK'3<0V3ACN>L_>[=65Z=CM7MF%L=AP&KN0'+>\U=??30E;H+_`',UMONL66W M43\*=FM-?3&[NP_Y(<@/*>JXSZYEFZL4B?R0=?D2:\5U:?T'7K]442S4SXGR M(R4"?[K^&PDW$C+*UI'YOZ%>2;VCCD9"48,&!:T%&WDJUG=+L[YK-U^XP-O= MSGIK[K[&ME^(#E:R@_L\[4X_E6&)?M%S6W;!MK.^6M!Q+*N%NNNEP)HE\$+5 M'E4U8P>J0=6@:H^KVMK;/1"_>R@N,IW4'5[15(T38)V18"4+,BG3OE>,G51J':FJ5.-3O&9C1UP4GY(%$Z0UY?-!A+R`4:@(;* MH\%8&?>ZH`$Q^8>4Y1/)\DZ,9?A#T:VIIU4$ANJR_:/;+WY:4Q?450A@U35. M=0%6IX5-50`6@&4<6,N8L5%WP4CYH5-?> M5`X/_58/>``>@(X-+9#![@$+H%+8[@LJ$+L'N*R(C'#ZF)RHPSCM3-# MMSU+['6,14WV(OT52`*2'D!2P[1S"20!2?N'I);5L6&3$-8TH4M?E2^]^$X? MRD;"]>[$K1N/!J&\E=XC-;TPE=M5:^P'`K[&N&7$IG5O<'L M[L,OP"PP"\P^![-%G>@,T%8QGEJ!0]IK'X[W\K/N]R&^4#ZV*YU[`NX"=YG@KN-^05,QX"]P%[BIR MV:9A>MEFS[EKK5)"J_[^R^])='@MY>3-6;J@\=&55Z[GQJZ*SMS(\8(HH4G: M)?7]O1?B_7G_^'V[<=P^.^EV M3D].F@=_O3<&>7D^49EEU1`^61K(T)CJCTMG<4_%)5Y]#*+HM9BH4)P&XW'@ M"RV^1P=[![W87#/7;.R_DBAVAW?%%F1Z+R/7X26]3/;>3/81"UV\2BUAK]EL MO#W_^GWVR7[[FNLU.<%XDL1J(*[N!'7+9<(5KD]?J^FSY(UT/5U?*`[X>A[0 M*"8`C&CH51CQK5SG*54(>I0D*I/72OB)K@?-JXO97=RB2`1)',72YU<=K8J? MG+F>;M*L4]R;_".X@5XR4'STW)U@*Q&[@2^]>^^1D7"'0GJ>F`0Q"=^E/[F7 M]'3W1MV[^%;Q_XE52U^=&.LI*.RN"";\DTNNF]%ZA?JK0<2,E)J'K MD&Q&,F:!>BJ*^(.O93(517:.2WHI"81_6WS_M%H6]=4-!A&]5)(,7J\4T..T MN41]3_#8HYSW#+8[:9P<-ULGIZ?=D_9%NW/6Z)TT4[;K="[L=K]F;'?R[?.' MSW]\)[;[\OW[:_'U_)LX_?+ITY?/XOO?3KZ=@^V*8+M+0DA:7XYY*JUZ%BI2 M3<44>#L>NG]S.* MR5<;B2M-R_RXP7TV6Z)HO@E%\E9!?&%*A2)YAHOD=;9<8JU?E5)PZ-\.^[?/ MRXSI)[[Z.17RR!5UU"3.692!C.4S(A"SGJ+"%.KFH9C9#E4-=?.@:JB;5P%+ MK6_[K.+[L;(X#MVK))[.-T]E2/(1[R5=%4XL\<%WCG8)<11XV8,"+ZVNN?UW M>UWAI4(D5SKK"^H"=3U?4*\,GN5I-EF[`EJ&[1?@-?!:*7FMVT71/=.90'L7 M'=:W?511](;FE1,.$(NO2>B,9*3$US"X#N58')Q^_7I`G]10A:$:B#/.Z5#^ M`+7YIGS?:]I-8X1?%UB5#T&E,_Q`!5`!5&R,BB*"[/5"S5,2J@NJL)[PC/6$ MIY+7@F&A:PS%;'K!C'>=C1TUGQ*;7*786)9[,6>N$+>6SK\!.X(=*[\0\F)A M8J4$U%EEZBR'UE6#'4M"@"973#865UT\P(JLFI2.PM9.(=U.BFCIY`/]@?Y` M?_9&?PH\6G'/8\KW-6^Z<];T_NF"-U)L4:!5$V)I!`=-A":60W#0Q'W6Q(K, M28OS>?[OH3-&EDY)$K-L`_MM>K+()II:L[REEM7M=ZU6IV^*^NH2["D?ALH[ MKZHE)NPV,`%,`!-S3'2L;M/8*1YUP4358R;%>6;GPZ%R8ET&;WI8Y*=O7S/' MK`A([4NIGF91!2GVL+QYA9!:75NW+\#L-'9?^`[`!#`!S'NWV=;Q\>[KR-8% MFH@Y;A9SS,XP+A[(6R^KLHOX3-?>8FH;-C@@N@,\/H['SA93[8%'X!%X?`2/ MQU:[45!!YWW%8]4CO>5-8D`F"'*22B-$:"(TL1Q"A"8B.^Z%KN##=0WS(:NM M^8DO#AOOP:[3XD1B>I[1.+*W-\6HRRRB?.Q3NED].`8<,SO!HW'4+"C;Y1&Y M/.NDCG(HC['#.$!`("`04-[)Z<')V;-0:7$06ZK*7L4I&4X(JL\)05N=Q-4^ M-:I"'`>O"SQ6(Q[;[D31[%F/Y5`W'.<(D@/)E9KDMCH9K;VSEINE_JYK#:^\ M?L7??_D]B0ZOI9R\.<^F<5]5^)VG;9?4W?=>X/SXZ__\]W_]97K5A73#?T@O M42=1I.+HDY)1$JK!%_]SX(?*2<*0GL%+=='L?A*KS[+[IH;O#LZ:#;OS]_8_ M+\\.A#MX=W`AG?BPT[5/6N>-SO%%I]WKV._/.A>]=N.X?7;2;;9/3UH'?[TW M%'FQ7KIC%8G/ZE9\"\;R85[,W>ZYOCJ<+NTV&[^^S0WMOY(H=H=WZ5>N3TP; MOVF;7OZ]'"DQ##QBNYL4L]C$;;NL9$G49.62PEL\B!+MTE+GA#!I3B\9$""=WWZ4HG38$QTTS_&>NQ)+E?N+[T'5=Z?-&`QI+'*>;[(R7XANC-HRA?4V\?I:3< M,Q;L;H/T.J_H_#G_$C$Q]);L"HV7S-[<*JZCO*\[)IW!XT#_9F(U)E^?CYJ M;]U!/*(_J8\9N1,W>W(2J3?3/Y8Z/V]4/DXWY_3NRN2/-4)]NC'O#EK=7Y\T M%XM&*[O1WO2^SK9?N.W[VE5IZ*;W;5UEMGQ?;ROOJTCN4^EF://F=LI=C,TA MXZ-",[,+_>DVM5]7@3=(G\-^J]".J\A\UM1`DR76/HV8NC*6^#.BCFS@>)=9 M-0N9]*:?^.HW7'O6=1Z0_2^IOQ0DD=RP[NR36:,%J._SDT>WJM!_3P+V-;^& MKD..%`GXQ$G/I9'A#YX^#(-0?&"GCJ4ETMF:>/51W2A/V,BPV$5J\_XIZ7=Z MC3LD4="COM",)Q1?KB(5WNA9PP=_DLQUL@F=A$YN6R?%GW[PD$*VH)!0R&TH MY&5`SI.8.ZB%NIXE6M`J;B'F8R#]2(R4-S@D-^@PDIZQ)*1Z+5L]X*^;$E:U MEZE6"V=V"H[!.M]U7YW:,2D9V])?.K.Z1U0%9KIW6]/J')L[I@84!`H"!<%; M@K>T[U0%-JH&&X%\X!#AY-O-U>7#>")=SJ+S=+3HUHU'0HIHHAR.#@O.Q@MO ME)">%SCR>6?=&I?ASB56L.M3"9+9FH=3%XHI'YO4WU\!4X`IP!1@B@HPQ1X2 M@[ZM:W5LU&,$`X`!P`!@`*2S/*DN:>9DJ*0G5,1[RT1PZ^\V(%'>L"@6:NT#C6M&PD M"R7%L:;0R4KI)(XUA4+N7"%QK"F.-44&4CDRD)#MB&S'2H=+P365X9J.U;"1 M[0B6`#1@&O`->"::G,-/)KGL,P^+QWJVW"P*(X`VH7_4A<"*1]7U-\; M`0^`!\`#X`'PP(YXH&?9=@<,``8``X`!P``O"B:4*(Z)0T$1TBPCV6#Y!,LG ME793P#65X1K;:G6-G78.E@'+@&7`,O!HP#7@&G`-/)K2LTPNAO-[S#O25EZ_ MXN^__)Y$A]=23M[P+B*]B2C=$MM=1]\\3\'?JB<)`Q)4=[+R(TN21#OO<#Y M\=?_^>__^LO2_>_OWDM/^H[Z/E(J_H/$/J$[9S>1E'T6Y37_^WC[X MZ[V1R4OYTAVK2'Q6M^);,)8/DUCN=L_UU6%V9(7=;/SZ-C?2_TJBV!W>I5^Y M/N^*?M/N3
:W$Y4L*187A'S!&HG"49Z77?/NH'&@/Q/-.-//SU?B6W<0C^A/ZF.VZ9&8 MRY.32+V9_K'4^7FC\C'>&>,U[94;&]<($^O&O#MH'?_Z))DN,G9VH[WM^QI5 M:>B&]_4KTLZJ]*]9\_[5%(`5R9&M_Z2K9O*9-[=?P-EKI3I>8.%XJ[77S2L" MO&J>:U4R(987G>4X&'&K<#W-II#K3IBVVK@3/:V%ID/3#2C3^30N4DI5?_YY M/%!WJ#L.;(02EED)<2`C=&Z7.K?JO,7E?YY]`B.RGQ]:@;V8+2RE%N7QA1BD M/&P7[=L4XE;5SGS0$OH&?8.^0=]>4M%DYX(KC;"@<=`X:!PTKGR5FNR*3[A. M9332B7L._Z'^G;@WTN-L/D13MD-J+UZPKW[F>'42Q#L-J]]OFNIW71+!00&@ M`%``*``4``H`!8`"0`&@@)I3`([W!`^`!\`#X(%=)+E4/>CZ345QZ#J<7\EA M5U.:@_61-=9'FMM<'WE&AH%I9NI:K4Z[<,VJ"UD!6H`6H`5H`5J[A19.>P/` M`##8+D`+T*H:M&"[=E%4LNJQH.]\S*$;ZR/R;J3K\5:SPV$0'D;2PU[N'=!1 MQ5C';MB6W4.!&2`"B``B@`@@8BN>*5`!5%0<%=I.M'I`!!`!1.C;VL<`@X'X MQ'XDL5S\[>-[\3T.G!^%1[M`.?L736U9'1NU6``M0`O0`K0`K6I`"VN``!@` M!ML%:`%:58,6;!?R5YZO-;G\E9'R!M2%P[&,^:L[4UH$,JIMQ-FVK7X31RD` M$`!$!HBFU5Q1TQ:``"#V$Q#(70$J@`J8"0`"@("90`Z+T>#%QT#ZD0B5HUQ= MXZGPN!<8:/_BJNWCGG5L=PO7K;KP%<`%<*T/KE[':G>,)7$#7``7P(4500`, M``/``#``K-H`@WN(?)9-0D(ZE06GL"#\O*;6-*W.L;$(3UW(!'@`'H`'X`%X MP/(D4`%4P$H`#\`#K`226(Q&+$X<)TS40+A^K$(5Q\92 M3VL?406T`"U`"]`"M&KG6P-@`!@`!ML%:`%:L%TE`Q@R63X%87PMKY6(5'CC M.M1$H9L8F=(A4%%M(]%-NV%*2^I"*$`#T``T``U[CP:L4@(50`50`50`%?"< MRI3)4O&`Q87K2]]QI2<^NO+*]?2ILF\*CWB!?N;-;6TSHOJ$$*L@N-(("QH' MC8/&0>.@<>41'#0.&@>-*[_@L%1\IB9!Y&)E>%L<]N(HSLXTY1?3(C#?8],Q MK$[SV#KNXK!M<``X8&\YP+8M&GQP`#@`'+"G'-!J]*U>_Q@<``X`!^PI!S0; MMM7LML`!X`!PP)YR`#*]=I';4O40Z\G@1OJ.BL0P#,;BXF\?WXM@*#ZK6_'/ M(/QA2I&P.()M@[/;NAVKT3`6LZC]CD%@"]AZ#K9Z36.Q`&`+V`*VL-T=``/` M8+R`+6"KLMB"\<)9+<_7FB\Q_22N@I`:HP9B3"*\,QU9!0O5;GNEW;/:#:Q& M`1``Q`P0_192-0$(``*+E4`%4`$S`4``$#`31H(3O\>ZJ,ZJZW-_Y_KEN;XZ M'"FM^W:S\>O;TG741&-SSUA0^P;IM'Z&ZQ-XT\_YE_A!.);>`C)LOF;V8"UN MX2C/RZYY=]`XT)])EYSIYQ5BNG3'*M+)-=^"L5SBC5MW$(_H3^KC51`.5,AQ M-4].(O5F^L=2Y^>-"E?R@;T2O6L$N71CWAVT>K\^B9A%]&4WVMN^KU&5AFYX M7[\B[43_]K-_6P+@RX/R^^DB0CYKNM!V?[<^M*.X8*(9)UI_NDW=FJO`&Z3/ M^21#9R1:MB6:#;N]@<-99N`5LAB6?N*KW[@Q/=QY0+*_"-<7\2A((ND/<&Q% M`>A\Z@29`F2U:[B>RC"\H_:M.V'::N-.QD%"+8*F0]-?KDSG4>R.9:P&I53U M"^F&XA_22XS5+X:Z[[6Z_ST)2-?%U]#E#5CD.9PXL7NC!/EG/U0&@;_NJ;]@T=RJCD9`^J0__H?Z=N#?2HQDUU@-+G,U0 M#M79PV/K[&;3ZG36SD+8E_1><``X`!P`#@`'@`/``>``<``XH/8<@.U^X`'P M`'@`/+"+')>JQUV_J2@.78=3*CGR:DISL$""8Q3G1Y1:+7-SE-H?H`AH`5J` M%J`%:.T66CC\%P`#P&"[`"U`JVK0@NW"P?7/UYKORDGH)U=%0MY(U^.]98?# M(#R,I(?MVSN@HXJQ3J]OM;LXB16``"``"``"@,`:)5`!5*QE)NPF``%``!#Z MMG8?8#`0G-B/#):+OWU\+[['@?.C\%`7*&?_0JDMRVX8F\+5/H@*:`%:@!:@ M!6C5+M`"@`%@`!AL%Z`%:,%VE0Q@2%[)):^,E#>@+AR.9``>LB5)JW^,Q!7@`7A`X@I0`53`2@`/P`.L!!)8S$: M*'03(U,Z!"JJ;22ZV>V8TI*Z$`K0`#0`#4##WJ,!JY1`!5`!5``50`4\IS)E MLE0\8''A^M)W7.F)CZZ\H)]Y.@ M<=`X:%QY!`>-@\9!X\HO."P5GZE)$+E8&=X6A[TXBK,S3?G%M`C,]]CX+L5& MWVIUNXAC@0/``7O*`>U^R^HWF^``<``X8$\YH-D[MHZ[QE+HAUI/!C?0=%8EA&(S%Q=\^OA?!4'Q6M^*? M0?C#E")A<03;!N>!RZ;5:#0*5ZVZD!>P!6RMCZV6U>SC7'E@"]BJ@H,-@`%@ M`!B,%[`%;,%XE0U@2,#[$M-/XBH(J3%J(,8DPCO3D56P4.VV5]H]J]TP5EFZ M+G0"0.PS(/HVEFGAT(=_#NX$(Z\6'WK&^_ M;[1ZK>;[B]/W_>[YQ>E9NW'.#O]X;@[P\+]VQBG1RRK=@+!_& M7>YVS_75X4AIF-O-QJ]O"QI3_?$V?<]5X`W2!UVG\Y/N? MW\X_G7^^_/[H&#^G\?JSZQ,'Q6^.&:L[U]`U6_^O)(K=X=U"!]H]PQWXXHN3 M2>AZPK9$L]'H62(>*7$:C`GQ=T(.@DFL!N+D^ZFX#":N(WK-AK@=N<[($G(< M^-$1@B"PQ4$/J422&A`!QPQ"PA(H8>VXTHN\E:W_D1C%U1@Q#.5:W M0?A##(-0C)4DH-!C%FZ6_D"HG]28020&,S3I&Y1T1F(L_T5_RBA2L;[6RXX? MNA..C-5U$-YE#Z9>R#CW:!'X0KFZ\9++;B6A?C<]C$9Q_OE*4FN/A)8`]]WQ M9.@.7>I*/%I\GDN]\\64C9N-M^JG&\\^VF\%B=FA'H5J0G1`_>?'L[!)C@E) M0S_O-DB\@;A262$P:O3M2/DB4I['E],+=%&^A6)^,)OS@3W(K79IU/(L7-9FGE MN\P]GG6,!X2;I$='*X-6*^HEWQ(EI!BY-UJST5M4Q7@4*G48NZ0"N7$]9_^+GK6R0 M;_@,$UF3JR*O].`K9VFJ@C\2KQY8!;J`:OYS,.)AN7 M`<@B2:DIRG,3FP9F76+9&Y717'3T8H_U,8$N*`OKR@H)+UYCVHL`=8`Z:D,= MS>=2A^L[7C*X3Q],%)%+[Y3AE";R#NI*GDC]W?K+0]R15Y0,1=TF-WD!XT3#Q/L+_&6QKT%[.3 M/%T_BL.$/3S0%^@+]%41^FIMXODD?HYDF(,B:B3-'6Y>`-1W"BG(+,9L$<`$BG\Q!!Y@THK.($_D7 M5W>K!MF:>B@SG^/AH%D^6I;&7V3$6K`DG4T:_XF;,Y]LM714E/I[,Z%GCJ0.*^7"L+]%])MT MT<#5`RL9CC3D@F^(WBSW>@/-=>B%*EQG/6'!A#>F#EVF[_PY_QH_",?26UAC MLQMYJV_,S[K7';1;OS[3\];^LOW/9]S:HT=-/[*M/0 M3>]K;.6%+\]UW_/,"[OSU$Z2E&7GHA#:ZHG_;>A_BD[-6#)Q+\C->&"QFUTI MG1H@/LT]X8@-MG9]Q-3CL<2?$75D@\E5F56SD%T8Z2>^^HT;T\.=!V3_2^I6 M!4G$J\F;Z.^31W,7H+[+`L_>DMUS[Q6ETO:_IP'1KVE`E*1_DD8[/Z713AV2 M_#!;2SE)IR"OL@6?:>AF0PR;F3G&A[FZ)]OH7MQOY4Q#&U_):"<9]FD&G MF[C3^B`/2CZGJ?;CFEK]4S*?5+_'!%B`G"JP#V&7>K/[W0L5XK/26610&"@, M%`8*`X6!PO:*PIIV\:<&@[I`7:`N4!>HJYS4M<^+P?JV#_Z-BF*]-S7B7$6] MVZ*(>&X!0MM+?J^9_8/^0'^@/]`?Z$\)Y8-"5P\7NKJ1KL?)`H?#(#R,I*<> M/[UBTU7P+4Z=2Z^.B#-L(^\"&@>-@\9!XZ!Q^Z%Q*$LQ300[9+U0@UP@K!"? M;A^5##-1Z`_T!_H#_2FM?*`_NXF$-7O5]I[^X)'R]0KB9WU6BO3$++7^)(H" MQ]5?;Z****=G?J)8EZ5[S)0-8M%X' MD39@"]B"\0+``+`J`0S&"\M$SU(8?48[`AD([R&\A_`>4`%4`!5/HJ)MS,$" M&``&@*%F8,!Y.0\JRY]'WX]$;JO0R;7RG;L7GCFX+W-[!,\0/"NEQ:H+P#K' M5J]3_)&ZP!:PM7?8@O$"P``P&*^R8`OG7:75>=W9R>_%S+T6ZGO'U=Y$[G>-/00SJQ;,+"MT[89MV2UCFXX!2\!RQX[P M7L#67*(8#"T0#43O'M':$/9#L6`W\!OX#?P6UGXK6GP+!5P&[@-W`9N*PNWL>_6ZA<4O=M7 M?JM(E.X^Z8U2Y;"[])R=$^"LZ>4L05HJ64&OH%?0*^A5560%O8)>E:,L-Y0- MR@82@UZ52%;0*^@5]`IZ50E95=3I*H^"V9UGY9@VM[U]TE%^K,(B(]`7T@W% M/Z27*/%)R2@)E3Z'1,A8?)*A,Q(MVQ+-AMVVQ)\1=:1FJEG<:HF^^HT;T\.= MA]9/A.N+>!0DD?0'&VTS?(H@B]C]NRSPW*K",D)*I>U_3X)8#<37T'54Q-(_ M<6+W1K&J_U"D]<,@%!^(HK0HN1H>?_GJH[I1GK!?U\?!H<'/T^#O]!IW M2'*B1Z6G1WVYBE1XPYN7Q0=_DLP5M@F%A<*62F'%GW[PD+:VH*W0UIUK:[J? M9>X4%^KNEF@78'$';,QJ"S/N78>:*'03C6T7VBC;JMBC-5\J,W.)54]IV+K3 MU)WD3!6VA:?N!ZM6B'A*9SK!->`:<`VX9JMN^KXRM-9$;1+U%W.SHYP MVNGN?$Y>:C+=TV^_WV`2LEA%D2J"M,OSZ\\&2$F4)=NR#$J\K(J>'$OB!=A8 M:^V-C5LYIRK43XAKYJB`'^`'^`%^@)\2V@?;IC\:-YVM;9A^6@3J]MG'+3T< MD1#8QX`X$`?$`7%`'!#7#,3A$-+Y#)UCA0OAYA)AA<1T3009>J+`#_`#_``_ MI;4/\'.83%A[6.WHZ>^JI0(]@OB5QUX8<)\MYCR?21DZGOYZ%R@V95H0YMUA M>M!!M+XI!.M9?0BT#,SHKWB&[%*Z(J!/VCW`J MV.>0!\ONV'D8S<*HL.Y8Q8A5@.>J"XN0+VLL*VS;ZHWZ(`0(`4+`38`58`7< M1+&]CV:,$\V[)1@D*H\?JGTV`(DV)-JV=VDMJ]NQP2UP"]R"\P+!0+`*$0S. M"\-$+P*,WCP;B0RD]Y#>0WH/K``KP(IG6=$=@0P@`\@`,F"_G)>!Y9\G/TY8 M;JG0V8T(G/M7[CG8E+X]DF=(GI728]6%8+VV90^-N3-P"]P"M^"\0#`0#,ZK M;-S"?E?IL:G>8N?W8OI>!1RL6#,O]HR%ZD(XI`C!JD=8-;)Z!ND:)C>8SQM56`>0BBQ!&-H(:@]'5M=N@]5@-5A='U:;FR4&1H/18/3A&:W\=']O M6=MFL[K)YU/K3W="%^@Z]-V5SK>4XD7CEB_`8(?0Y(8)]>Q?E0;>`SZ-&_>G MO5MTSP8TJ(6;+5AX?F*#+1NAA.43O=*%,=`X:-P^-*[(1`WD#?(&>8.\'5#> M.G87V@9M@[9!VVJG;12Z#=K&=NV%O#W(T?T2JPDAFZ[?6\%R1O.]0!Q/4@C8 M[=:;=Z6SXI:%_2V1L3>^3[_R`E+L^+2KMM\R68%/@8RC1*^'8.,P8G<3SYFP M)`BOI8AN5;LR+Y@E]"N/!)-4+F],E*`7Q2&+J>01&W/ZYY;[B6!3P642";W6 M_:UW(DXL]EG<"I]U?J;'.'[BTC7S#9#5"SR'](5I`9#L[=&7']^/?F8\<%FH M5VL\.=OHA,T?GB5&&7><,`EBX>JJK+7!+O9IG;2Z;XP\B85C93!V'DZ)\?=_ MD63!95*7\=A,@;_PR)DLO7''MEB[9:^?I+13%53+&'D2%6D]W-SE02>585KE MI>)J"5X6B5M/W$D-B&3F\EA(#>Z<%DP\$2DLWE.5">-:-M1FYY*%`>/LCX1' ML8C\>W;-I:?(?#[AP0T]9QR%4[I&S"_)E(8%5#GZ@XBBI"@2/E=,SWYJI@18G(&]O%?@@J-?"/((;SX]TU7-+:C$4VIF0CSJMC.4JW_3_HI^4$H2*Z[/(_B]A::3.Z M>LYN>L:=%T_HEC1RL.<84NV?,G]!^)-U3U=6(U6^E3^-YTV<-F"^I4EM4O?6^KK(,?F].Z,[/3DZWN62$5Z]6SU_Z>A*WQI/0`7`2(' M'H46$A6J`"?[3GA$.*-:T$,=NI/*XGIR'G,Z7$Z8RJ\H9T;.4HH'KU(?J7YD M#"K)'*O'Y/[HYE`M37;%3&@+TQ4R3"(G9Q!Z-0F=B*A:,G-Q5A93TQLL=IW$ MVE0^%3;UBQ:[]X1/Y4JB6Z$OIMO)'BQ2[MIBXH^$[*8K(:[G)K>TQCF1<#UJ MQ5DDN*NJ\XD8YM)7BB'D`K-">0$UQU3SQIK7D?LR5.7*SEP4+(YX(!4]Z597 MQ-20]!*94"^#*D(WZ]9+WSHW8%ZZZ>4_ENVA6U:K.+%8W1X$%"#)U9WZQ\@3@]!,AT^3=ZQ4AVB3VSN!*!;?"9$: M>^Y+%?#G+*,X6MR$D>JF5P8[=0"_(R*2V$!IJ7)?&E8IN$@NY[Y!!TN9]OM" MRK29R<7HW0FYGG>8ZT:MR.76L57GR=A*>13U@_*.\S(O'ZP)H;R%B*9>P.?1 M?KXWIWMPY,&H!-=4[(ER23JD#Q?^.J_95%,>4_E3]==J7+-TAJH2#KE)]8[_5]P_:)CT5H<\)44ERDA4\,#Q9MRGCK7/ M`T=W:_R0&I@,I8J1YMV$:^4R<&.1.2[R^#-^KSO)J4$J`_[*LW?I7*YRO=JT MPWNM6'L=WJ;`GT6AFU##KN0W'.X[B9]"56=)U)4*H]<*QJ[.;-QJ,`04NE%@ M1QUB'5)G?=^(OAO[PIE?-4X4YO(!->'O,HF4FDPURN\FGB_R.4UZE>\1^8D> ML,*IBHS12TLA5@-/!-ETI]?O3#/`R_*60FU`=Q)DX).E5 MKC*&52?,_U_XDL8@[>>UP='B9SQ`<6@<>B3?&J?D"4*=#ROLD@1 M_41*?:=46"5]TA1\SI-19S&/ZZT=V\))W)/E9%7BSQ+F]8VDV!RANKRK$P7Z MA+0\]%I/("_WFI5GM#8\(U^.0,4,_LIPNJVN63PX!:0C?#^[YOU1ZTA_IBC, MF7_>8+(K;TH`_BKNV/>0.K\/2TYJ>>,%:2%Y$H?S+]+Y(OJ;.\^-)W0U62H; MIW:(#'PFQ>G\C[41TV6Y\ZLQENN'NAO7Y6RQH$,7AA[0?O/LL/CJ`'UVH[WC M?:,]OV_O][6J4E`TX,;[^A4I)P#ZV'V#O;RP(BOE'LX\S/QD^RGG^[HNU)/A MPR/K8#L%;/#TC-VJ9BO@"K@"KH"KJM@*N`*N@"O@JBJV`JZ`*^.VJD@GL;@E M5?KJ4R^FASOI-^N+K-(Y16$B>>#NM)'I>S=/#"V(+3PPMC=<2P@3!,-T_ZKD>\A?O+/X,H^Y/]G7N! M_.7MYU!*(7^F2QQE'3V_\%/@A--7S<9Z8KL<>HY,9H\T%!GZW=JHUO*Q_5FL M'_+6_ED7CAZT@`2X!"X5RZ5/4B9*R27[A;W](>+8URMJY,_`'_"W#RU?3$B- MPU_>JF5:/\^G90"!0.`>$/@Q<%BV<4* MV?PJ_W^H-4$\WA&W!1Z04MTD@[XMMTKI;&41Z0_NBT/*0L%GF[[6;N:VMWD. M9=N>PW20G6OT;5T<:+LW-#38LT)BFBLQ16S5#*V!UD!KH#4/;WMK;KODYXRQ M9$MQYC&,%&,I4\@/Y`?R@U`'H0ZT!EISH,S-`!(#B8'$0&(0SI1(:RHR]?61 MN#& M$>MMKWAB83X)2`?28=0!7@T$`\%`,!"L\@1KVRT0"\0"LZK^^D"=6_`_1R>`(`^?Q^.L:C$ M$":&>S&-`+@ZN*V`*^`*N`*NJF(KX`JX`JY*@JOGTL9-QU5%.HDXQF(/*"W3 M,1;8>/H`3K:!,,0Q%N`2N&0&NCC&`O@[J);C&`L@\*`(?/(8"YS,=HAI8EC++;&+99\XA@+[%16U,30'B9<[PT-#?:LD)CF2@Q634%KH#70FKVL<\$R M%VP[`/F!_"#40:@#K8'6U%=KNCB`%!)S8(DI;GG\[KPR92=X\9=0K"(S/LL[ M91;3UC%M';@ZN*V`*^`*N`*NJF(KX`JX`JY*@BLL"RR@DUBBY`Q.;W@F:[/? M#&A[@-,;2IG)JUD*M''$>KN';7@QC0*D`^DP=P!>#00#P4`P$*SR!,-I>B#6 MP7.399R2\NK^V`#=L1(?WO!;(F-O?&\R5/'-;->3;B;TV'X].Q3L4^#XB2LD M"P3=NLA5.EQ.F-((R7C@LG@BV(Q+J1*:X9C%WE2 M9$)Z\H2Q'XDS85YN$;]ZC$RN?Q-.K-;WYY["756M]"H2%D&VRTK@>)&33&6< M;M_S5IS9N/7("(Z&B3>=T4/5$+UNQ,OKS`]4)7@%0Q9FE_O*D_]%QTIX'&?C,B;U;H=#\N^H^C,.(?5)!G;(6.TO[%&_3O1UM;"]Z@(F7#03I M#WJ--R93T*.^J7XQ^W:M$BNZU_`IF"5+3+:!26!RWYAD_PS"QP#9`2`!R/WM MI[\,4`L-/4LT]%;2383OZAU#)78,?1$@L1'%4X=-8*)-U>8#9#Y% M9Z_7'$JEW6J#I`K*]'!"DM4;]"%!D"!($**EPVL2HJ6:2!74J!IJ!/%!0%3_ M/"J1+8"KH`KX`JX MJH2M*AITE0=@V-9TVVU-N]C6]&66UE=C6].]`QK;FI9-9`%2;&L*3%8*D]C6 M%(`\.""QK2FV-<4,I'+,0,)L1\QVK'2Z%%I3&:WI62T;LQVA,E`9J`PB&F@- MM`9:4VVM043S$I5I\M"AO@T;BV(+H$/$+W41D/)I1?VC$>@`=``Z`!V`#AQ( M!X:6;?>@`%``*``4``KPJF1"B?*8V!04*S_LK M+V'Z)>H/]>09%2UTF:#ZN6S-;+M426^;L/0(V?X)ZXG979[-[KADUUQ269,9 MU91/B?:Q),N,121<2YDFU'D]3AHPTV19,XQD/*!+O8#)<"KH_\N8!XZ0%IN1 M+5)ST3]2,O&G,H^@'Y7MSWE$`J3N<\(@$(Y^I)Z<%`FU&I`%82RT=>7)NBEW M0*`6(O#GJ0HHX(_5"DG-!)E2Q/=Y+"+N,U?,A'XQ\U:GE"F*N8(NFE(%"$MJ M9P]Z!#5_(G-XB84S";P_$H4-+W#\1+E3U?K2<^D%^AIZ(Y_-(NXI4&:E('QE M,)PICQ6H$N03S1E[71YS,TB!V&Y3@4D'W\D&C#7 M]UHG/_#@=RT9(HY]O4>,:OD4341XJ959LCBD*WR?O?5.Q(E%=U)<M_/LE%UXN_"/>2/$6Z>X=",UVO M5DBO>PSZ0/28^XTE5\AKG*67QMY4ZYNNLO3FJ%8_K=G*6GZ],)5^'/.H'*YJ M1BH#6<&CJHH)H1;^E]Z1[[MQY9+EKH6Y_PNF=/!TV97__ M]9=$'M]P/CM5"ZCU^ND+3V8VE5<$LP]^Z/S^M__SG__QU\657J"LKWSR6>!^ M%N1GOI.R>WH7`/D/\I^78?2#]/W7T/><>R4$"J_?Q?C]T87R21? M4;-(]E7_AE#_>87N),S'$)OUQ;;UZ&LO\8Q[+_'AN=769I*'RVO9YX=?" MP+]G4^KN:QZNAI:.3Y*A-[G0+-F7Y/D9;'.7,ZX5CIB[S]6'K=T MIB^*5Y7"YLHZ#T-]]0:ZE("1!N!9-*[45XER&I?$ MCP3WGMK?2>_DI!]^+99G%W'@__>'"S#J>F_%ZU>S[NU]&]<-/`?]X- ML!Y&8LJ0"1DV\N^5(:=A%-_P&V5G:ARZ[/4AO[Y1A_R+'I7^*KZ?*6`S%3NJ MFRP%R%^VZIT\[=_*I#F[Y376'?3+W.YC+EO.;Y;+N[=UU!\O+B[/1Q]:W=9P MT&N=GW>Z'_JIH^Y>?OS0Z];142^M9*RO>G!PE8D=J96CA94?^LDDH"ZIDB+J M67HS\G_7W-=ZR&8^]4*3@"N]HF=F*O1W'*5Y6M8>$VRZWJ$( MG;P0.7C2227]+CD`)].M,/)NYCX_[;XHK[FX=.V:LI?*)%%SAY%AYS5$K==76>Z3C+-1!I0H`J+01*6]"N/>]VS1SDW8M?1U)I;%$&@"M MACQW$T^]BSQ]^*1%,&2K\TNWMAI_C6CT2J&*6#.WC8GEZNINJ3? MLJ*NN;I9R^ZR(@Q1?,;OLW[PA.);JB#Y+B4.0DW` MJ!H*.`H(*H>29$U+#76?7LFII5R*4T"G[5EP+5=RY8Z9GSL&U0)N^3VT%G,2)BDG2HLX+KXO`)17LFOJ,5$FZ M!D*ROPI\&B\3SHLQ"IGR62$]3;4&V9"&AI^KACSFW6!K>7M`YI9:=2G>^FZU^REO?\;8B;% M'N2`"<1_)#RB9^3?=N;[\W[R/*)8R7#+_&X`R_[S,@)].Y_+U&Z]^_$_9XM/ M]KN?%PF?W/O^+@(U7.3?/S#,HC>O"!,();\D*4(Z47BG.O?B3Y4W69!_-?=@ M+1("R_3W@^&IAUU_2]GL"8LN`VEMTD<:B,=QY)$0ZSY'EDI760U'A1HZ'Y=E M]:R4ZMM:-?^Z3VE#DK('<6YX1.8R5AN'X5;SC',#K<#W`WGW)TW"W3H!&1,XA@KJZP6>R45I[S'?,`Q;<0PXYTJ:IS]U:ZY(LDG]35F!BGY.D$6EJF7G39:-A2\PNX#/W&%Q.F)I,EOG5 MIQKPA1BK32KBR3S7X[FJ#=DMC_N?*&Z*$NW?EZ-8BT&L;0:B6NU.9S@:G0TN MVF?M07?X\6P^$-7^>/&A7OFMR[-/W]G_G'W^YT?V[9)=?OIZ]O7\T]EG]NGK MCZOO__SR\>O5#TS/V$LLDQMR)16XX9$[UYA5ISB>`UW/QLF0GGG];,Q"C2GK M*1A"3]U14QO3.1JIAU.)M?MT%H=VOAL<;Y;BV/@NBUV':I>A;$"=M-CWTH#8 M$SD!"]-8@)SO\;S7("="Q*FS3[OD7AI&J8Y;VG]7152C`+J3OCH6ODSBW22> MJY_GBK&.U1XQB=3B:Y'K5?XF':50(_.1G'@S/8I/<0D],K[7DZ'XHA,Y[Q`& MMR+M:))&ARH]EW9FTGO6\A=ZXJ>>5;7H?^KJ>-E4"MTY4[^[0J4ZHM0UZ%&M MU.5MJD8VD+3:/'SCI3HB(A`E>GPJ&^)2X8>CQ%,%M(21/](C3[+\YRP]^42! M1X4*_)9[?II&F3>"NS)E2,<2UT($^=`K/^MC&=-NPTIX-#]3%5)/U$H2Y,:7O"@)FG0D_AIR:F0*JAPEN$F MO?\!@E3@E#WBF!0S4*7.,7KQVS7]J'[+4=S*1VBIX;,$6Z0H'D;QL<*&*B65 M)HG2"E1&AROO2%`!5``50`50`50`%4`%4`%4`!5XU<201<=N,U^;,Q&/]8)5`H2[HFFUV*??:VC(C3TVG>Z@9G"H/+4\+3T+GGK&RT%F= MJ)UO=_4Y_Y(@C*;<7UGG:ZMK%@].TPV.\/WLFO='K2/]65+?>?[YY3G>.\^- M)_0GU3$[B$\/[\RD.)W_L5;Y9:'R^XXM5N&V[8V'[6VQ=9DNS/NCSN#-LPM\ M5U<19S?:^[ZO596"[GC?J"+EK$K]VC6O7TT)6)%S&^J_$4C-[+,L[NB90W)? MO5WM!G/L]ZUOF3GN^JIG"?I7,LWGX6M\)G]L\`(4!H`(0_ MZ#5ZKPIZ5+IUS[=K-7=?YS@_!;-DB;DV,`?,F<;7H@!MOP[I?M^S3B7F%G/FD)O`%OP!OP]A*\E/6!?_=-,JG-H M2:]EC49M4_6NR^$DD`!(`"0`$@`)@`1``B`!D`!(0,TE8+%OG+F34J$#T`'H M`'2@+CI0X"27JB==OPL91UZZ&RN7$U/(P?C(%N,C[7V.C[Q@AH%I9>I;G5ZW M<&351:Q`+5`+U`*U0*W#4JN`>!H$`\%`,/@N4`O4@N\J&<$P`>^'<-1>XGJ+ MO/FV\HOCCTTG5"%'S\M1Q53';MF6/=QZHYRF9)_!"#`"C``CP(AB(E.P`JRH M."NTG^@,P0@P`HS0MW4'((.!_$0S)K%<_N/S!_8C#IW?"\]V07*:ETWM6#U[ M5#BRZJ)3H!:H!6J!6J!6[3(M(!@(!H+!=X%:H!9\5\D(AODKN?DK$^&[5(7C M*8_55_>F4`0QJFW&V;:M41M;*8`0($1&B+;5WG"F+0@!0C23$)B[`E:`%7`3 M(`0(`3>!.2Q&DQ>?0QY(%@E'>/J,I\+S7E"@YN55NX.A-;#[A6.K+GH%!*L`"O@)<`'\`%>`I-8C&8LSAPG2H3+ MO"`6D9`QYK.44XSJDE-M6X.AL:FGM<^H@EJ@%J@%:H%:M8NM03`0#`2#[P*U M0"WXKI(1##-9OH11?,-O!),BNO4<*B+3192F,`0IJFTFNFVW3*&D+H("-H`- M8`/8T'@V8)02K``KP`JP`JQ`Y%2FF2P53UA<>@$/'(_[[+/'KSU?[RI[6GC& M"_*S+&YGGQG59XQ8!<.5QEA`'!`'Q`%Q0%QY#`?$`7%`7/D-AZ'B"S$+I8>1 MX7UIV*NS.`=#RD^F36"^QJ9S6+WVP!KTL=DV-``:T%@-L&V+&A\:``V`!C14 M`SJMD34<#:`!T`!H0$,UH-VRK7:_`PV`!D`#&JH!F.EUB+DM54^QGKFW/'"$ M9.,HG+++?WS^P,(Q^RKNV+_#Z'=30,+@")8-+F[K]ZQ6RUC.HO8K!L$M<.LE MW!JVC>4"P"UP"]S":4]M+HMC$:!$"#$@A"C#J9J@A`@!`8KP0JP`FX"A``AX":, M)"=^B?6A.INNS_V=JY?O!>)X(C3V[7;KS;O25=1$87//6(%]BS"MG^$%1-[T M<_XE01A-N;_"#%M=LWBP-C=SA.]GU[P_:AWISX0E9_YY@YFNO*F0>G+-]W#* MUW3CSG/C"?U)=;P.(U=$*J_F\YD4I_,_UBJ_+%2T40_LC>S=(LFE"_/^J#-\ M\RQC5MF7W6CO^[Y650JZXWVCBI03]6MF_?9$P-DN#6NN0]]-G_.%1\Z$=6R+M5MV=X>`L\S$*V0P+/VDKC[U8GJX M\XAE?V)>P.))F$@>N-BVH@!V/K>#3`&V.C1=SWD4W5/YMNTP[;5P9],PH1(! MZ4#ZZ\'T4<;>E,?"+274+[D7L?_A?F+L_&+`O=%P_^\D)*RS7R-/+<"BR.', MB;U;P2@^^UW$DHW#B'U2*2IE#78FI?J2O?TL;H7/[)^!0J#0``I_T&N\,565 M'I7.]_IVK8[FTDG.3\$LR8&N#=`!=*9!]\\@7`<<6V"NLS7FL(7]\UO8IUX$ MN]>7B=\'WO6T.-AAEUW@#7@#WK"K,Q#7),1!X8"WIN(-B^;.N9PP'A!\U!_B MC\2[Y3[UJ#$>6.+9#.6`3@.WK;/;;:O7VWH60E.F]T(#H`'0`&@`-``:``V` M!D`#H`&UUP`L]X,.0`>@`]"!0\QQJ7K>];N0<>0Y:DJERKR:0@X&2+"-XG*+ M4JMCKH]2^PT402U0"]0"M4"MPU(+F_^"8"`8?!>H!6I5C5KP7=BX_N6H^2&< MA'[RA&3\EGN^6EMV/`ZC8\E]+-\^@!Q53'6&(ZO;QTZL(`0(`4*`$"`$QBC! M"K!B*S=AMT$($`*$T+=U1R"#@>1$,V:P7/[C\P?V(PZ=WPM/=4%RFI=*[5AV MRU@7KO9)5%`+U`*U0"U0JW:)%A`,!`/!X+M`+5`+OJMD!,/DE=SDE8GP7:K" M\93'ZJM[4RB"&-4VXSRR6FTDG<$'\"$;DK1&`TQ<`1_`!TQ<`2O`"G@)\`%\ M@)?`!!;SF8O/(0\DBX0C/'V<4^%)+RA0\Y*JG6';&K0[A6.K+GH%`GP`'^`E#I68:,8DEC/'B1+A,B^(121DC/DL MY12CNN14U;FG@\*151?A`K5`+5`+U`*U:A=;@V`@&`@&WP5J@5KP724C&&:R M?`FC^(;?""9%=.LY5$2FBRA-80A25-M,=+O?,X62N@@*V``V@`U@0^/9@%%* ML`*L`"O`"K`"D5.99K)4/&%QZ04\<#SNL\\>O_9\O:7L:>$9+\C/LKB=?694 MGS%B%0Q7&F,!<4`<$`?$`7'E,1P0!\0!<>4W'(:*+\0LE!Y&AO>E8:_.XAP, M*3^9-H'Y&AM?I=@:69U^'WDL:``TH*$:T!UUK%&[#0V`!D`#&JH![>'`&O2- M37&'!D`#H`%5TX!6W[)[&-.&!D`#FJH!F.EUB+DM54^QGKFW/'"$9.,HG+++ M?WS^P,(Q^RKNV+_#Z'=30,+@")8-+A.7;:O5:A4.K;J(%[@%;FW/K8[5'F%? M>7`+W*I"@`V"@6`@&)P7N`5NP7F5C6"8@/].95:A0 M[997VD.KVS)VLG1=Y`2$:#(A1C:&9T$($`*#E6`%6`$W`4*`$'`31I(3O\3Z M4)T-U^^M8#FC^5X@CB="$\MNM]Z\*YT5MRSL;XF,O?%]4\NK/]ZEK[H.?3=] MT#F7$\8#E^D_/OZ1>+?<%\$S:S1K;G']E1>0*XA/NT.23),5N)H(YO`HNB=9 M9GP:)F1L-@ZI2O.FT'^(95,P/IM%X9_>E,>"C;D7,?HA$?I:'M'3?"ZE-_8$ M?93LL[@5/K/9M7!X(@6+)^*>T:T)7>D%]#$20F7^XHED]%9?2'G2Y,9&>2M1 MWLWR]5W(./*<6*0"5L)RUURTHF4#I/JUE"JYK5:U5[4J$C-ZJE"%G(11?!R+ M:+HX=?#XFDRH"N%F>PD8U:Y";5AYLOT03A+IW?)*6.3Z\&S)FI1B*(L3A3)3%TGRHFS4H8?\XZ%QGGC$0IP0'!6E)WIU MPH\X=)Y>EU!S$Q>J)]_N`A')B3=3H;_J4JR"/APKEYLN$R&RYIRYHHR:+*!) M'(2*Q\0^3TZ6Y,W4;VJC.\OF>N)QU%$T68<:*[YSJ"5HEH/7)P42W]I$U64%7_,Z;' M"U_)3T!QNW>K2ZKN($5(IK/8"X.T3//'2?T">N6_)IZO*A?P&WH$66/"E2UB M07>E)5!]A\5C7SBQ?NUY.)WQX/XO4A>2S:BK,0Y]+TQ3,)G= M,ZESPH`LIQY-2L9N(D'/5:'+CJK$:*NEWG6Z@O,P_G MJ"1!^F5(7[I"=6T(NNI0=0I:M%'2-\XMK8NF;N9IQ>))(O/WN:$.OP*"F934 M,?+SW2>Z=9YP;[?>B3^]>/'1?I=&7*EM%@#BSL0C34[+\Z!(5*+/#S']6-"D M@JTF:\T>1%W'LBH6_L&AZX7I>FKKR=S6:8\K2D,=C?A42WREMDH(5+"C>C69 M;FR1^\B(ON!X)JZA'][<:WGV'RE"VJE+9G3+/"$3CL>D.ZXJ0*AG>G+'$3,] MFK3V`BV2EB*Z#*T;V$?2CJN$YCV[IR70?B6*@ M5(\>J=V,T@6R,.F1\B>^ZK8U&9>%:L"9XT0)M?2G+"V&&.]`.5!B!,_:8IZB M?&RXAGY+?!WN*>^ZR'W.5<'1[$1?J"C*+,XI_;$XI_3[\^>4UMSB>^X431\[ M*U9%S;FP]D'W2+G8>5"[>-:R,Y7UGI;/7/:C'G2C,K><[RHH%TO/GO%[U;4@ M]Y=[##GSM"^1>M,QQ<-A))_TYQT0N"@";[5[=,T-O&>^NF*JHT3);Q*1/32`/T`!YQ-PU^=5:S'(+*WJV1'EBS9F`S9 MSH6OE729BLCZZUY`5G33A,FU",38B].>>/J";/>>K&=QK#L5XR10$_E(J\); MS\TT,JNNOSS'BD1K.N-1FA91#TA[).,L)Y0FFP)79JF)>=^^R9PJ-E!?VX_I M^.N_-8_2M7@?YFOQOCR[%J_FS;#7<545MJ^TC!X&$:Z(2,K^H3K$JN?//O#@ M]_S^6;E@8'41I=:MAY*C]>Z!["P&2N?\U*](1>@Z7LW7JG`HU=R-8O1T6J') M4"J4T>?A=.K%.EA4;?CQSUBHZ9,ZMT[AH_I91.IXP730ZT=,_Y)6?Q9QK#+R M*H6BKRUAA>O(]?D8I[/:;")MMFQ(Y([G`P8U@B*8-U6?(G5.)-?-MF:`70KW MA4?.9+DFH&-;K-W:L$9DEV=KO!58RO6M/'9Y]N9`[JG6T5-<,AKY2QKEVR[- M;BZ4=RQ61->9\.@F&ZM221J5J@D7,LO5*$[6^8OY[VET1[]G,6XJXY[\73^& MNH!4,X**LQ@]GX^V62O#3@L8!9*0KX-#-22SN.M!(/PDN^9___671![?<#X[ M79QA^BF0<93HTE]0C]D/)76%K\A^'_S0^?UO_^<__^.O\WL^46#HDX.; M9IU*ZBZ']R\&'[NCH;P]4(8^.*V]*S:-\ZO>0^@:/DK]THA+Z M?AI"ZY2Z7.0DO(`<^#3-KM/_O,S0\^%9Y=.S@I1[)AS%Q)SY%U/C-N>8_J0[_GKX_#F%SN+*(^LC>COU2H_H!3Z1@[=::3ZW@^4VGQ`]F`@A:=E*>[R6_$ MB1JU]WTVS_'IJ%F3+:W%\EW4,Q;1LMNL2G\KHOMLR,Q\)=)2'U MW0)5:F:5]H9IA9;?!X[JRVB?& M$_J3ZGBMH!P=:W[,I#B=_[%6^66A\ML,+1=U=C8JJX(\[ZW)MC@&'/NQ-']U9Q/ M>L4*_,WIK'FO,)O<1UWLV6Z35>A1ZGO!_XE=I6 MP!5P!5P!5U6Q%7`%7`%7P%55;`5<`5?&;5713F)Y`-9^#F%9:CHSA3W[D\G0 M]USV7RW]7]'[!!:?ICB+F1[)9!W;`NSV!#O;;CKL-@Z55]9[`EFE0M;61R-5 M1,@*.;KCSB#U_RM;5)Y('[M;IZY=$<45`LN2#`]^SZ1OL4W`K MI)Z?!S7*.!/V76IT2A$]-WC\M!,![-&X5 MF%\:8]57,H$X(`Z(`^*`."`.B`/B@+@R&0Z(V\5PKQ\:MBO>@?T6"'6FRSA, MU`Z-ZNI#YJ/*89.?3)O`?(U-'RW;M@:]MJEJU^50661'#D`'&JL#_**]8RS)]JA)ZL(VC`<;&`\&L4`L$`O$ M*E,X"(*!8"`8"`:"@6`@&`@&@H%@32,8IAXOS_IDD:!_A#JDZ27+X;?F6<7H M9%O#8K"%PS!@0_@`_@`/F"`%JP`*]9NZUBC`98P@0_@0WI;U[*[6-`# M/H`/B)J*R$4U8UK;AT1Z@=C^1,\FIG^[5J\_-,6IVB=^,;*"D9474*MO;E\& M4`O4`K4P:`F"@6#[2,AU;1`+Q`*QC`>%+82$(!:(A9"P!`3#/+;S,)#)5$1% M,&O/!#(E-,BR[U!/>!SP`KP`+\`+\`*\J#0O7CWC&5P`%\`%<`%<`!*G2Y4*B.6QG!`(I!8#L,!B4!B.0P')`*)Y3`,!XP[E/[\,`1+!).&+G"/2T"B(?!V\&)6C(X MET#_``_P`_P4YT^6C,V[O@6""KV\3A,(C;&L53/[C/0 M'O4*SU'59:Y!A9-TY='SYE"KAX70H!:H5<"9;\,^B`5B@5BFB=6SAAUCAX"# M6J`6J+6DUJB'S1)!+5#+/+7:QDX)J3VQL&U'P0?65XP[MM7N8:7="^L))U-C M/G2Z(_`!?``?4CX,X1W`!K`A2SQ;[2Y.)`0?P`?P`7P`'Q[>-L)!A";R30]K[0I-'-8J/UCD$?05(\Y@:&SJ=%WX@5$FL`%L`!L: MSP;;6&<%9``9*DZ&KM7O=\$'\`%\`!_`!_!A;3P2;#"1:"I16K>X!-15&'/? M%%RNU0[:T;S:G=F?S`V3:U^P_VKI_W:RW*/-D+U-W6K3JV3H>^[B3>6P[D][ ML^RS8'W*P@48TG@/L&_U#(X&[VS./8#N\')9(64L750!@81`'D0@!Y9M<)M/ M""0$$@()@:R/0/9ZYN;I0AVACE!'J&-]U+'=MGHM]*\AD!!(""0$+ MD$LZ"DQ_>&$T_2\[IN`7NW2VR)]R3V93#)!]7+9FKEVJMK9X;$+:O[QXPH*0R9EPO+'G,*XFI2AR M:S,3UMS30F"\1^-6@?^E,59]A1.(`^*`."`.B`/B@#@@#H@KD^&`N%T,A\-! MO@6"BGT\#I.(I5@B M`_"@G@7.>ZOZN,&7Q(^]%P\8+-?5[W.4ZH#GI+7;YO8[?LPD=6$;AG\-#/\V MA5BIE89MNUT\OD`P$*QQ!!NTC8T'@U@@%HAE?J`5O`*OP*OY;9V6N9,30"P0 M"\3*;C-WX&?=:87IQ.?A="HBQ^,^BP3](V3,XYFP]D`!EJ3H:!-<+D2_`!?%B,FF(J`M@`-J2WC:QA'S/SP`?P M(?,.';#!1.*I&1/5SL-`QE'BJ.,`BR!/7;*\F%"#8912>B<0#`0#P4"PYR<` MC(SEE$$L$`O$@N<"P4"PO4P.:'>,30X`M4`M4&LQ>0TQ8:%)Q%KE"C\DT@N$ MW.EPPYHEV3O6J(4I.B^L)QQ,;?F`S5'`!K!AV6'IF5MM`SZ`#U7G@[$CZD$& MD*'J9+#L3A]\`!_`!WT;IO8;R325.*T[28],!XS[U#X\ M<`2+A!-&KG!/BP#B8?!V<**6#$ZELP_P`_P`/\`/\%-.^P`_P`_P`_Q4IX_6 MC#TZO@6"BGT\#I.(C7&FU'-+6BR[AZW.&Y"D*X^>-X5:=LO81$X0"\0"L98^ MJSW""F=0"]0J8.T!CA@%L4"L`GQ6IX_=`T`M4,L\M7`&8J%IPUIE!PL^:KYB MU+&M=@];$;RPGO`QM>5#&TNO00:0(8NK;.S9!#:`#7EC&-VW%JP`*\`*L`*L M`"N:P@I,7"O!<>=UR?P6P+/:IX`QM(*A%1`,!`/!RD"PCC4:&=O1#=0"M4"M M^6U=3+DX'?BL0A.)M(24%=AS'U3<+E6&VQ'\VIW9G\R-TRN?<'^JZ7_V\ERCS9# M]C9UJTVODJ'ON8LWE<.Z/^W-LL^"]2D+%V!(\YN:6`-S7GYW<^X!=(>7RPHI M8^FB"@@D!/(@O:"^N3EH4$>H(]01ZE@?=6SWK&'+V/@R!!(""8&$0-9((/M] M>%)QP]E$BTO)(,&RFK?Q?C]T46[9??^N_OOJXLCYKGO MCRZY$Q]_N!SV6MW.AW/[COSUHA+Q!K[RI MD.RKN&/?PRE_7&=SM_M>(([G!W*W6V_>%=2H^N-=^I[KT'?3!WWZ>O[MRT=V M=?;_^_CCR98]0(EWA^%+"JL_>P%YQ?BT.YR9/1#]:B((<=,9%3N()0O'S-/@ M9#'_DXD_9R*0@HW#B,5TX3U543)!17'96O5V>?L7'CF3I7ONK`>&NSR5\4@P M+JG8ZLCRIT\IW[(A'+*.B+9ARXKG;U%KY9M/?MKED\6.L2 M\/VH=Z<\DNL[\\\MY/N71C1>DA>1)',Z_2(,W_]?[6OM^X9[O&U:DG+O>-]C+^UZ_;K.ZL^;23^KJ4R^FASN/1``_D4LB]Q,F MD@?N2]9WELR(I>OB+HK[W)G"JQV)]1Y!`;9\&H1K[OBU,%P#G0J\`35`;3]0 M,S;-'%`#U)Z&VM9[:F"F_V,IND_K/>2WUR(08R_^^>G>)G+S>Z;X'HU8!<.5 MQEA`'!`'Q`%QI@W7Y'S*0Y,]^==Y$D44;K)C=BDH"C:W.&Q9U6Q<>D4>?O]U9\9-ZK-_NO]OC'<[6JRNB@BB`EBFB-FIZ`5IB`FB`EB MOH*8`V-=@<83L_$C.7H_R4VK,19S39".V4\ZII#5GN4`V?[6;58HH5-4OV># M5>JBUI`82`PD9GN),7AF)"0&$@.)@<0\W&BG;>S16-UA06^. MP#JVQ=0*L9-2FK]PK!2^^46Z201I./,DXRP23A@XGN_QV`L#M1^&:AS5ADY, M;9)-ELVW;\1CW9ZQWDDCT&DZKJX5XS'=Y-WF+JO81AI&MLXHOAD/)EB5V_8C MW=-C-#KIMT:=0<_W3VO9]$5?:OJ$HYZUZ_JI2S[O7;3SDK,OI4 MN@S$HKC]`RR^+]M2>VP@`F!ANQ``JSK`*G9SD#+-SGC]3J7Z\H)V+BO9'C;; M;P=\:`R?3<.$#`QY-"Z/KYWCUS0D_BHB]1)`T3P4(8H0Q7(@$:((42P)%"&* M$,5R(!&B6*@H8G'U8U.>U%+I)`ZC^TW#]*5:/8&CGK;!9,5/276J'%@Q%KQ#@,I@N)*PKKS103E8AP"@//Q#`%#K`*!C<(NGNN\4`XV! MCX>//YR/K_Q<0!/C#H+QP&5^Z*R,.E@L$+%:1#@?D%`C$=D`Q`M0N/706L%S M4$V3L;N^3+'A.R>7CS;5-:PUSR9BE<6C?5<<1G+?=$W/[LX-U8%VQBYW@ZD`Z MD`ZN;K?^F[&=GC`+",2"-X,W@S=DZVWE\.K#.=PZQ3JO+"&X]% M)`)'J`WVU,[Z.VVN5[.AK[>VU>L;FT/4!"*5CS/5\E)5=D;M=MM<[PID`5GJ M[5E:\"P@"SS+-F=[=GLGQG;^;TIV#GPHK?,P98YAVVX;PPMXT1A>U-5/@!68 MI/=BT/P/]Y/T9,HS=6PE#QQ1A(NIRSC/P-P*4PR@EH=?U?)1=1S+L5N]/>RC M`&J!6HWS66_;K>)G_2`'!]:5PW`E<6CMP0EVW"HE0&K&K,;YL\'(6#8LXNK,^8F@L4A^R$ MK'.+17BSBCDM).ZYO:D M0Z8:9*FQ\WAK6YV^L6X\R`*RU-JS=`P.TS2!+)A)]Y@)KZ)$'"+9'/A!H#O:MXPCMWJ[&%#.U`+U&JILLUH8,&VL&?;7]$6!O[08)8\&?FB=4Q-V!5>V8U?BK=MYA^*L)/52(J!*S7V'+8Q MHL!Q-(8,=74E5,O0]=_&F@Z_2#8K0.JVR6F-K[;NB[K+ M%7`^2P2_`??+SGU$1HB,=HR,6N8.JD1D!'4LHSHV+C)Z:W=.1N4Q;]U"HY\1 M$96>\XB($!'M9LE.VUA.'!$1U+&4ZMBXB*AC0&I5GS:'1*@3%;@G$=$ M$G8I"*+<_XMDX8S^B`G"+!(R\6.I!@S]Q!62<;96K5U>^9/=[[-X$B:2!ZZ1 M)^8',]DXC.CI]/\]2I>7?N&1,UD^LV-;K-VRUV"2JJ-?KLX?8S/3Q\[8>SRL28Q4ZO-+;&^ M$&ZWEE`%CQ\9.6?AV!0G6FW##6,<.^U6MRG86=_(ILS8H0Y/V;$S&/7VC1VR M]>\B8&%ZP0<>_$[>S15C$454,=407$H1RY/U*I;565<^VKA2\!^/A4-A!<%? M_.E)'6K$8CH+(Q[=,]>CGR-![2>IW7C,;KQ;P2)/ZMWH)974&U-$3Z^F&U2# MZP=M:%9&2%O]WO?XM>=[L:="F4@L04X8"M6"O<6=<4':8@;Y7%*,HU`N3TTT MO$,M+:)'FSGWE)6^98N@D<>*^IQ_31!&4^ZO](]L=<-QKGRIM2"7\4=^QY.^5I7?LJC&R]("\F3.)Q_D?;9]#=WGAM/ MZ&HR1-8YHXZ7SV=2G,[_6.LU+,N=GU2XZ+`--\Z(WF):HB[+^Z-![\VS7<'5 M+FYVH[WK?:U]O[">%:S\6N=7J7KZ45U^ZE&8XSGI-W>I!ER'OIL%`*FC3@.` MG791[#RW@\=*4F<]T5*`R9\V\YJNOB))L]FH&[N;6".P:T864'L2:EMO+(,) M^(^E62_FX:B*@\]TL/ET"+TGD9SQ<*8=IC,WSJ-`B1:L_Q$Y`",BKNF@7"O#JE3Y69V#L<("Z M*$"!_:2JQP^+CI(.'9Q0QM)B@8AW"5V;LO7K6[MO;B4(-EPN1U^G:BZ[<:RS M1SCT!OWB;='R-0RXXT0)]U//YJF\K9"%^+6*$:F/C6S00\0>9QD9C.WB7Q$WM$+J&4/<.HT.DC; M3X:81<+Q]/)6!'_O1@-C?JDN'$%7J+%L&`QQJB#Z0=NBY8ON`^G=$D1NC$AM MDO"/RQ]Z3L).BS.;$KIUS0W,UCYP0Y\(?:+MW5BO^+FK=2$6>D3_#")!#_Y? M/4%<2N6^^"WW?+6CR/$XC(XE]P63PDDBO=T+XL1WW2[FUZ'7A%[3?$7BJ`4^ MH-^T+5Z^J>W!"HG?GME*I"[QW:AK;C!I5Y/5A:?H6.VC8]408O;,9=,;3\S* M;P5GYH#A#;L<'8*ANQAV^ZWZ]\O2=M=J[=&#XNP2]/Y`Q2>H6-#9;`VE(C8, MW&K#P,_+_:NQ:^`>Y*\TQJJLWP#BL&O@"]3N4WI&QC@*IXR/QZ1U/!;(5K_K M#[#6`=$[QF[2V]YV^Z914N?=K!!C>A65XCD MU76>H+19E_QJ>];M:-YB'7V=_/F&<:?"-HVM6,S<[EB=@3&.-L5!P@_6EQ!= MJS4RM@BW+H1`7_$QO/S/XGS9Q=$FA423C8@6S7HC1(3H`-9E!59Y*6O47X*R MZ,2]L!.G3OG><,A[,6F'#L'(#1-U/O5^IC!5_RRBK0VX9WN95L+4F0S;=MM< M'O8YTR%;CRM8SFB^%XCC27JDM]UNO7GW MU-'A![+CEL55.]9XX_OT*R\@68Y/NT-BGLD*?`O8_TT"P=HCB[5;MFVQ>"+8 M>3@E7-ZSB'N2XM.UVNSRII]ZO9,6H\O\37N[[?)$%2>+/Q(OOC]A[(J*[?"9 MI^8YZ&*SF-3D1JCXFC-GPH,;P3QUP%X01Z'/J$,F(O9#.#K([@S;ZFFJ[I\4 M2`)ZRG=Q*X)$&<,5](*_BT!$%(S?6RMW^=[44SNMTIU)[/G>_Z91.SV,!XR: MC$KW%YE&]8]O_$UQ_TWZ>':=2,*$^EWOVTJ_\,!ED7#"FT#O`G&=>+["0W;* M,$MFJI.0JV%X1T^2$V^6667>F.+/&96;BAJR:\%DX'BX",8,5:_=N>D:U;M5,-="Q%H,:`8PSVIC)>IO)L\B\W`X@N/ MG,FR0]2QM===3S;N\NQ5USWA[@.OL^)P-"/&PM4^9Y9$LU#YDH)4L-,QK/J6 M+KXD11.%%[[7/AF8);)RZ*K\#L4&A1>_.S#L@=C=Q',FC$=BN1&5BB+"\5@) MZ#B)$_HI@Y:5-9*JLJZNEZY[4)_3YU!4XM'U*@%!RAW=*Z029+U0852MCM"4 M(9:TAX3O*$QN)HNO.EVC$@C%R]WW,*H*0@J9'>H2D__4_I)0Z^EHX4$(III6 M1<048$K/]7CD$;@56G(1YP(=ZK""?X?1[^S'`B:+K\YS>*$7:I?^X%V>+I1K MJ5Z5"\)UF'E-(?O84SN*$EN],=5:794+,J?JP;[WNV)S3/$Y%3;.19WJNUB+ M]LJ;[L+$=],072IKIV$:UQ?E*D9$].+)^O=TI^:0BO&F*K8A:CI.$F6FXU-U M;EZ^+E[:>_%Y="-D/+]`A8#TX'D==5'IRIM(4$-%:76,Z$FO]<:,+F6&IH*G M%ECLFT&7?$_+SSI4!^/U/2*B/[!#YW?__9__O,__KIVX:^A[SGWBXMT M%Y<^?!?C]T<7*KSX[^Z_KRZ.F.>^/[KD3GS<'W[L=8W'6^WC6Z9X?_>V!&N7;X,J;$G\42[^'U`-Y5'2V%#.3J2W]\2Y]SW7H MNRM+[69EF\H*T\Q MI;;4S24R64RE1U*.IATVY3+\;"G+/7&8)-XEBG]:O%[G/0(IV-N,G#\K@DA/ MQCKF6BDGR61$%B*FS_B]#FS>4GV$=ZO^_EF_:]%GS-]XDAOC6/QU)::S,**0 MAKG>F&X25'?E;N([U8E3-;CF5`P=^.G!WY6ZS)W4F&0K<#R5U1+TN/3$TR#M MLBYB1^5>IX(KK="^*>N_7W-?&UQ.A.KMDG!O+.A%OANYAU1K94*.-%?E>9MEQM4181*'D4HOQNKG-!!,BN5PDU3 M$^I3ZIX>L3C56=![';W+=[ZT67R=RY*I*NCW/_#L7C!O62]MI#08S1Q@X/B) M*U*'*0+24KVEN+8L8_\BA@@5Q),9'(3!0,*,NG M64CU)F^=482TU*":X6/N9!AVO,A)IM3.&O'4WXQX$)^P94/M&EL=;7+&1Z^+ MHZR7QE&/(<]D9$5!T=;QS*;R[#?"H6!9!>,J<:[J.8<'E8'^X+[6DD5KS.]2 M[?SP%B/=N7+XYR<"NP?QVH.@[E:D!Q7(_D'I2 M2>\O""U72F9>$/C9O_/.MT\I"[%YJIQRYB-U5DS]F!X4\99(2I*K:.:$,DY]_IA[4?8[W;7<:YOQ M2J0%K^]S>>^Y.PO3D;`44VR:@8J]I::A/C)=2&#W/=(C]>)H)ZZ!-^*]+LO0*2 M+KHJDY(7BHFX$BWAK6]9:Z3S\,3DE5T:([PF[*>#-(_Z$3V>3E8AT#(W%*ET MZY#5%>DH1AKCZ)"&!%[JN"@UA18.99DDD,Z$H@Q?J,'#^2\GZW`U+;"Y9ZS, MPFD1L_-45Y_S+R'43;F_,O'$5M> M&T_H3ZIC-G7#(<'@,RE.YW^L57Y9J/S$U>5T#GOC_.4MYK[JPKP_ZG7?/#M3 M9'7.2G:CO>M]G7V_$!4\:$&;//DZ_:2N/E7313SG$>W_*>T"AHFD(&"G33*> MW12L@,TD7[XWV%-3I%YKYC6CGBWBJW.*KUY@U)(ALW0S9@&ZQT%WJ0)XM:[1 MV"(*`.ZP6^:6''#_TE]LFCKY2+R]7PVF=N(W@OW;$[Z[;8MCP?0+[)L_H.L' MIT"C$"''EJ)8`+S?T`&(`^*JN^2\ZHAK;1IE%[-#?$V.%;7[5G=H;I_WNI\<6B&6 MEO-^'96*\>+3+ZVNL! M<`?T4KVVU6N9.P%@5ZLUQ;V5B)ZE\WO@YD-NVM9@`&Z"FX?G9DGY>,A@MJ)G MHY8C@JM;PK%TA-W1F1HZ8.*0PVBMMM7NM(HAYP;S-,4[@E--YI1MV<."(E%P MJLF<.C"/#AE`]O9'*$2*Y>_S[7'1[C^$[U)%CN=;86')[L&5KCPX+)WA@#@@ MKJR!/A!7N50-YH;M/=;M6YVNL:%_=`ZAPY7G0[>')9W@`V:&95,E3_IMTV9` MJJ.\`3]FAE7`2?6L'B:?8/))"=P>J+E&S<'`W'HV4!/4+";%V,!Y8>V304%S M3S`QK(K9QBHS]K`#[F7=.6QK&Y5?K&S;&K6-];PQK08//B+/GUOX_4;_LZ?>;K[<:8KYZ)^#GD@SP+WL^!2 MR.^+0[G/YN<:7X:1NN9S*.GW](35Y\]#[7QH??@P&(TN/W8N!JV/H^Z'5B\[ M#_6R=]F^W.=YJ":U5G]G7W^_/GHYRI4P5T$='N^*/A#N+0VD_\.#WOTBFFD(=6KL\_=O21U@[Z@3E]#!O M=72UNN.3.C.(WXB`'I*A_T=,E-+GDX?I2>9;M?^#LZ&?>N[B,OO=SRP2OGJ. M/D!/;^;EZ[P4Q=7HM(F9WU)FVK;Y^Y89*G/TX9S^2:U)/SY&LVVL=MUOL M2)6**;4@):4R>$(>Z0=T[-:Q3;^?T5,2_:MZ[[D^K#R,I*[@I^F,>U%J`'7V MNZKPR='2I])SIS/?>X$=%\>_$]WI&O7=7]0QV+<>BE*Y"F;4T;J+ M@C."9?K$;`:7Q@SW[Z6GCY]U!?%''2-/=E*U(/X=SR@@"A5<;U(KN#SF%B,W MX$W5*<)S0RW.4TZ(6)&OSV!VU(&KJ@%\BSE)%*GRI6?1'X?C<7JX?$@W1_JP M>=70#\VAGKS1[#QGX4C<)/2>,+K/'Z0N+5T[10,Y1\V\$.K%ZHQR1YWI)3SBA5*:G1@JF>)Y^3SB;'TJ?57X5'OEFJHQNU4)XM<)& M8NSK\Y17:"T40/G#1I/JH&4I4LF9TY@PX2NAFH6Q^D*AETMV)XA)7&8G5\O? MF2Y,JB.$_L@+$YEB(TA/;1ZOHC>/BBMUIW(%DLRCA8,>\UOBWFB@\AGIF-"R MFM%L+C2J?@^>0UI/&$^FLR5PE]SD]!:92$?0KRK<)2')OW&.<'V<]_(D\?2O M$\8NDTBQ4Q'I/KMXA0T;T:^.JU;7*^F+5RQ"VNZ3II`+H[!N0G$KTJ-:;[2,4RV4)JB#LZ_I)I(I1\%-W>)H'['0-?WNE6*OJ\BW2MR+\0U1=DRCA)'1?/!S;8!^$?[[,-H,!QV6H-^ MZ^SC6:=W/LH"\-;%V<"N5P`^-Q=3]F)+@]$WVL*5D<[J:__%]U3L2#/D7-GO M]-\JU)9LPF\%\9I491JZJ<1?"X*2>ZF0M%28[3I3DGT+7_$(B M.2-6.]Z,^U32;TKFU!ETM:(\J',64$YU]Y,5ZEL],'1P7U" M1"9'0D)*GR7Y577[RK-4E$^2S#WMYL:)KTI"ND7UDQ.F,G#4*C.A\9*VI[6( MQ^E)JK-!+T3MKCICOBJ/>@"UREB)LJ/P$-$D;9V M%@8LP]BY$R63)JK(RX+)-,1-`X%\G=)6=#VI.S'T1>8Y5/$I`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`^*`.&C7?%X[EL@U$[G MXS!1$^G5U8?LBY7#)L86*5=GP:3=[EFMMK&=6;#&N#&.IRP:8'P)L;$%Q$U8 M'PRB5(8H<):OWQ;(MMIPEM"`RFJ`<6A"U;NC7Q(_]E[<#SU,\N.` M&]R..M9@:&X?3>Q@B\3BX0U7$E]F&_-EC=Y_%IRK6C+_@/ZL.[`ZH^)Y!W\& M;C7/GYG;P+C)_@Q#A>?A="HBO:M%)-16!&HMO2C"K57,>]G#OM7MXL`ZY`.1 M#TQOZR`?B,$SG'2Z3;)A:`U;QLZJ@NMH#"/JZCIZQDY":(+KP%#2$]V5(-TH MRPL#Y-Z>.BS1;AD[?!ZI-Z3>2F"XDO@R#-X MLU)Z,XPC?4BDI_881_KOW:!E]0?&E@^I3^+]4/> MVND1O/2@%VJAL;T`ZY(=[':VWN;Y9<>"O\!D3?&UR!V6P7`E\<[_3W8^M-W> MGYGJ[,!!OGV,B37$*]H=8Q,0X15!3'A%>,4*=6M7\=.J=N_U*HSU4>*KVW.7 M)5^:>0=]M."::SADMW!H6]V^L05SQHX._NR0_#G@")ZYZ5<[N:P]D*\T MO3QPK)G^JC,<6AYQRT&"IT' MZRK$NJKK/#8Y/_.I,7C@"#8.HS3"]T,I13'3%9[9=:=JPM^UN@-S8UU;&J?) M'@!"CW0.\+.G0*%F8CTP.L<,8@VR0:S+FGNOY_9H+\VXOT#!.J1@;IC02UZE M[X^V3@5VC_AI;Y9]%L,5WZJD.QA:`[M_>'MBPR!DS9`UP^A(90P'GPR?7-16 M?&UKT"ZH_PN?#(6$3ZY>9_KP:"O/MB[EGVE;*EL!5[7)`I;*5L`5]`JX*@FN MH%>'&\&H]@#&9SUT,1&^>SP.HV/)7W2X2XF2).4P9S7R("5)=;2MWJ`$@P_( M91SYO M?1%SA.]G57]_U#K2GZG.SOSSAG)?>5,AV5=QQ[Z'4QZ\8X]5?%//^,YSX\EI MN[L-2%=AL?W%+^N<$R9>0A??"\3Q/!'1;KUY(*8KT%-S$5\CRNHVF
+_B[ M)TK3G\7I]&<[G==+#S(<6Z@"O,ITQ?G^3X'C)R[!="8B&0;S*96O)M-NM3F0 M/]JRL+\E,O;&]^E77D!2%I]VAX93;#^2:QGS(/:X[]\S^H>%8Q9/!/O`@]__ MHN:Z4AL)NB06:[-?&8\$FT5>X'@S?;L43J+VI[B^IZ_#F4(E-;4?.G2WR[Q` MB]._P^AW=N[%]R>,G3D.A23$2__>8ERR.R^>L&DH8S;V`D[/I9=[`9DA3F(O MI)?3,U3AICSZ7<3J_=S27R1^[$U5&0GIOG`(&YY/KU"5X4PNZ\AF8:2>-*_E M>3@E7MS_1:8+[=2OX]#W0N9)NDTZ8A9[JJ9QR)P)#VZ$+D+V>B<,7"]7+KI' ME8CJ59GFKSQ^OU"+W?`;\:#]J/5$=.LY:K.4,&*7@N)>:OVO7#47_;&X[4S* MD&"F,?'V_\E.56^WWEU^_7*V^&B_^UEOMQ(29"+5T)'+9CQ%M^)`$,:$`*UL M[ARBG*"ML47H5DC1TVHT#Y;0UK2:DEWD24[^%W]=*6`',^ZY2Y:Q:^ZKQ:$R M0["Q/G=9)G]%E9,W`R!,M4P7K&"X8TXUKJ'"#DZ[I MPL5FRO:%1\YDB:Z.;;%V:\-&"0=L6RK/^MFTNY7'6)-2F=8GZ>U6IDC(&3DG M[U;XY/U,:BQ\0NZ^LPH09A%CL9DOW!MCJMT;FM8?Y<_TXJ=IWM5*%:ZI8(L\ MCO*LRLMR]S9U3>,HG.H*7O[C\X?CK_\^,0&=2L7NNK"%@EP%!Q3J^.&="C!4 MZ!G0_[A_+[UY;*#"^L)1OR2%"? M\Z\)PFC*_954F+V2H#"6$'I0Q.'\BS33IK])LT)VBPR1Y8XU MY6=2G,[_6$/]YC33,GDXVIB_VR)-I`M##^B_>6&&*KO1WO-]HXJ4<]?[AA4I M)]JOF?6KBD[L>M^@(N7<];[>7MY7D64:A:3DTT_JZE./(GS/2;^Y2P.3Z]!W MLUY%FM0*$TF]ZI?L0U8R(Y9K9/!%IY`7L/7/RT=6GPJ&7PO#-=!]HQ`Y#H_' M81*Q]'8`#\#;`_"^J,$D(`Z(VQOBSL/I5$1Z2.B[&F_]J`>&`#Z`;R_@"V0< M)4Z\*6,,R`%RYB'W(9%>("1Z$H#;OA0N(0<+N`%N>X";WBIR6UMBP>K6=GUT M8_R7G!U:%;M6F/&8_0_$`7%`'!`'Q`%Q0!P05R;#`7%`'!!7"<.5QEA`7!,0 MU^294.FPA+CQ@H!*QCZDB^R0,-Z/ENUBGW)`QMA>-L75V/B^]5;'W!&;3=E7 M!@H`!:B/`K2&X#_X#_XWE/^V->RLK\N$`D`!H`#-4(#YSCAVVUC[0P>@`]"! MBNF`;0U:B`2@`%"`IBH`,@%@/]C?5/8/K';'V`FV=5&``J?TVQ4?83V?\.A& M'(?CL;&U7Y@'4;8=^U^P&,>T'O6'QD8F<10&B`5B%9CP`\%`,!`,!`/!0#`0 M#`0#P:I-L$Z[!6*!6""6\=.S!R,0"\0"L M\*?@)7AISI]VAL;VN($_!6_!VZJMF8!#!3&+)V9-B/>V8[7LXA<"-L$A-OX\ MGH^!*A8.X]GSP6(K_JY#_LX-DVM?O.K(]NRAZHIU#UH.M!G;OF]K`^[97N8G M(HR&!459&XRV!P25/]2"=D&[H%TF)A1VNE`N*!>4"\I5,>6RK58;41>T"]H% M[:J:=A4UR@WA@G!!N"!<4%+BV5T3H1]C4WN67?5@Q*V,N"AZ9Y_3Y9XQ:-6,6!K#`8E` M8CD,!R0"B>4P')`());#<$`BD%@.PP&)0&(Y#`93NZBU5GJK MP-SF@&QU*=:I*J$OG-B[%?X]$[?<3W@L7'V;-YUQ+YH*,C?&5(R3NW:;F0Y: MQK8KJDN>'GQH+!\Z/1R4`S:`#=E\8;`!;``;C,^>!QE`AHJ38=@RMFTXV``V M5)P-YF;Y@@P@0\7)T+%&;3B'!_6L^MS/,B2]/?I\Z[D)]_>0]"Z1[:NK7'79 M5;$]-#<5'MN5@E@@UCQP-GCZ%(@%8H%8V6T#8\<7@U?@%7BU:J5AVVX7CR\0 M#`1K',%LG@5?@%7@%QP6"@6#%$ZS70Y=K6P-49*9_>9=*P%;%K,UI^A(< MX`JX`JX.;BO@"K@"KH"KJM@*N`*N@"O@JBJV`JZ*3-24*"U:R+15_>DN;:/K MT'?3Y^B9J]^%([Q;?NVO35]%SKF"$EAP(K8\FUH_!RKSIWJ;'S?N6[TVINE" M9Z`ST)D"5X%WK4$+(WV0&<@,9*;(A1$]:]C#X@CH#'0&.E/@K"6KA:4B4!FH M#%2FR-5H+:MG\/!IR`QD!C(#F7EX6[?3A<9`8Z`QT)CB-&;8L>R1N5.=ZZXS M%5GJ41QY<'1#2>;ZU&R;/=L>6=UARQ12ZJ(W8$1C&3'J6&U["$*`$"!$-HA( MC.C`18`18$0!PUW@`_A0<3[T>U:[B\WK00@0PO@0`M@`-E2=#?V^U3>W17-= M&(%5<=LFNW%D0]44JB[;L0VL5A>KP4`M4*N`0\.[0V-I=E`+U`*UYK>UK;ZY ML]-`+5`+U%JU$C;`!L%`L(+&UCK8`AO4`K7@NT`P$*Q2!+/[5@\G#VT-D=P` MR"^QVNUNX_6YOW/U\KU`',]W.&RWWKPK745?4EC]V0N(M?%I=S@SNU_CU40= MBJW.QU:#*IYD/*#_TM_AF,7T.U\Y/MM7FQ#ZZ?'9UUP*ER6S,-`73D4\ M"5UU6S8.HYZIKU^.Q.AGJ(O'GB14LWLR&Q-4.Y>M66R7"GWAD3-9*E+'MEB[ M9:^/N._R[%,3;>J0$43T:"/FGK(B<"UJ^#P2U.?\:X(PFG)_10-M=U^0U MJ.DG=?6I%]/#G?2;M>VK?V*>BA/#1/+`E:9Z0NA+;[_7?!9]99:P9W\R&?J> MR_ZKI?\KPI9/@W`M&#:^9_HW"I'C\'@<)A%+;P?P`+P]`.]+XL=>>M]ZSQ:0 M`^3,0^X\G$Y%Y'C<9]\%_?-1QCPV=BP$P`?P/0F^0,91XL1>&`!R@-P>(/$]S/O8,^/W M:,0J&*XTQ@+B@#@@#H@#XLIC."`.B`/B*F&XTA@+B`/B@#@@SK3AFCP5*AV6 M$#=>$'C+38J0,-Z/ENUBGW)`QMCQ)\75V/1ZJ([5'6&?7"@`%*"I"M!MX20% M\!_\;RK_.U9[!`6``D`!FJH`!6PZ`AV`#D`'*J8#'6O0,W9V.Q0`"@`%J)@" MM-$1`/U!_Z;2WVY9HR$B@`?U+'!2OUWQ,=;S"8]NQ'$X'AM;_869$-BM,;=+ M_G"(LUU`+5#+_!GJ.-@%O`*OS&^./S!VKBB(!6*!6`6.4H%@(!@(MH@(^SC4 M!<0"LUA.3[!_%RZ]1>.M)+PST3OEOLRSV/0O'/[// M:M_\SWK??%.(PA`;AMAR$_#;YO+@M1]B`[5`K:VI];;3V1NNEA@I;C&B8:_W M,T@'TIDGW=#<^E:P#JP#Z[9BG<&Q`;`.K`/KMF.=M8_%:.`=>`?>K?"N^/G^ M(!U(!]+E2==M%[]ZK0FL:_RY,1\#52P<&K/G`[!63A;OS/YD;IA<^^)51XMG M#U57K)]57@ZT&=ME;FL#[ME>YC>I[0S,;0GUG-'V@*#R#UM!NZ!=T"X3VF7N MJ!TH%Y0+R@7EVMNC+B5 M$1=%[^QSVMPS!JV:$4MC."`12"R'X8!$(+$UZDKO=)?;VXZM+LHZ527TA1-[M\*_9^*6^PF/A:MO M\Z8S[D530>;&F(IQP96TU4ESP]^-!%X8`/88'B^+[@`+E2<"SVKWVJ##ZOUK/HLT#*D MOSWZ?.NY"??WD/XND>VKJUQUV6>QUS:6$,%Q,"`6B+7H11H+%,`K\`J\6HQH M]8K?C1O$`K$:1ZPBMM4!P4`P$&R^`KF/DS=!+!`+G@L$`\&J1##;ZG>,C8G7 MGEH5F?9?WG43L%4Q"W6:OAX'N`*N@*N#VPJX`JZ`*^"J*K8"KH`KX`JXJHJM M@*LB$S4E2HP6,G-5?[I+V^@Z]-WT.7KRZG?A".^67_MK,UB1=:Z@!!:")6!RD!E"ER1UK=&F!X)F8',0&:*[#1US!V]"HV! MQD!CH#$/;^L,1]:H9VS+Z-KK3$66>A1''ISC4)*Y/C7;:<]N]:R!/3*%E+KH M#1C16$9T>U9[:&QH%H0`(2I.")MBU8Z-PW[`"#"B@.$N\`%\J#@?VK8U:N/\ M*Q`"A)@/(2!<`AO`ABS9W1]8W9ZQ/?GJP@BLBMLVV8U3&ZJF4'79D*UO=0?8 M7Q[4`K4*.$&\W<6<85`+U#)_E*`U&&(+;%`+U,(6V"`8"%8E@O6L5@L+XT$M M4,O\J`1H!5J!5L83&6VK9^ZTZMIS*S?L\4NL]KC;=/W>"I8SFN\%XGB^:6*[ M]>9=Z:Q8V\+JSUY`^A6?=H#JB'`UJ.1)Q@/Z'_?O)?T=CEE, MO_.5$\1]M0FCGYX@KCZK*^ZI[I()*J/+UNJ]2[&^\,B9L`WKF7=YV*F)IG#( M_")ZU/:YIZPH=(O:*]^`ZG/^-4$83;F_(N*VNF;Q8*T"S!&^GUWS_JAUI#^3 MQ#GSSQLLS9GTR&ON>R_VKI_XHP^--&7O,;QG=%;K=L8SDA=-$`M:>A9F[H;/_F M`Q1K!<7.#KUJ3"9$*\=Q@Q;UFAH;'L0 MJ!?4"^H%]=K?_O?6L%W\M(=&J%>3D[_ZMO,)CV[$<3@>ZV%#-4BX4WZW9JL[ MW]I6>VAL\?]ZX[^T]@?#Q\_(4)M/"]:-+%VK9V[5$\@"LM29+#UKU#*6.6L" M63`*\)@)OPM'\=83.G;C4ZIN+-DL$K=>F$C_GCDZNG/IUW$1U*O+9%?;I/^J M_5S7"E&ONEZM/M1JVZ`6J`5JF=^!:H0C79#G>UFH>#]/\F4K`=`A>_>V8[7, MN:@F=,C*QYOJ.J.JD:5K;DM<4`54J3-5.E:G;6S'W":0!8F^+:;[BL`M8J+O MZDSTSNQ/YH:)6L'XFJGHF(ZRC67K/E^E:W4'QG1P=VLV8CY+A=2R=($(]!'Z M6/VE%-!'Z"/T$?I8'WTTO%H#`KEE'QP;6152V-\2&7OC^V*WASJ+#>[GM/06 M'=MB&[>MV.79EIDB;MS;8)<',1X8V@5KXQKWW4RD\CR1<)3TN,P+;H6,U;DP M:C^6])08^EI/VF=W7)HI_4]V_Z3'Z#+?"X,RM?1/[;;A@IEK\I\Z]DG+L-$B M(6?"B;U;X=^?,':EH>#K4X*>W=I-BDWXX+-9%/[I3>D9_KVABK=.^J4$BVVX M7`:QTC[I&"X:Y+X>XN-OE#'&"S!W(,PUV)W8>*[;,)O!;L6(EB&<.%: MW#;AKG+8]VPF(L+!5,=YC#OJ!NWA[[QXHJ[P(A92W]H+""6D!E-YPA#FUP0] MU+P1M;3ZQ\@3@]",K5*(QA,*,'3A9IQ\D)L(-FHQE]]+0B2;AO2#,BKU:WU? M(3=*O."&(E:3W>5-Q6ML]WY]]VA5)F??E(.,*[5=V] M0H0.>G9X()6+?>5#3[GL4V#(9E=W0$1>(MB^.8 MNNYO8%NMGK%E:W4A"3J3C>5#VVJ;VT2T+GQ`Y_CQDQ?"Z51$CL=]%@GZ1\B8 MQZ(((M5EP\.V-;3-;211]W@-O<(]^*BZ4&M@M=I(N*`KM/6&5(GT`B&Q?VC\ M;M@WED.H"S_0"VHL&T8CY`30!]J^#Q3(A'I!",V>F]$P;-OMXD/_NE`.?1_T M?;9/9(-6>^OWM(?5=EA78KT];N?8!/&JY*Z->]DIH?(5^!H&Q]G.,$3V;!'( MC0A$Q'UUPFL82$_&\V.]TOW?[B:>H[>,8?,PE7[VYEM(3;A,-Z5Q/4FWQUZ0 MJ!WEU"82]'OBZX?)A)Z0/O%:.*%^]\,]/UQ!UODC4=L1TMUQR&:1%SC>C-[' M`_<7NFSQSAF_5]L6RI.7RL3#B^: M"T4BU.]C+^"!GK>CEB"KG9M(2<=CSU'30X6T,OF-!'D$M`U^H7*W:+D[_)CR-OR",YQP@+^LO]I)3US^ZF=PT)-AZ"J`IV-/' M['"G"CD(C!1B$06E]R?]'L03!=EB]Z!=0 M!=X>??O^\=O1S]0-"FJ<04+HUF&VZ]KK?*/RFC!!ATS+-ZF.[)%<*EG.F"J!$9WCH?R@Q:CV9\' MV2GW`P]^9TGL^?234R=JFN9#IT*!G#2. M.NTA20I%+:0NU)&?SKL*U"E21['$,GL6N<@;ZL4+R2BS"YCL>) MO_*[WEUW>GO66DC?;J(*EV:,G$%]>5DG'XMR4!RS)TXC.[3Z(W] MD7"58K48Q<^!,L^$HB3ZV6*^]T?BN?HW]>XTD."NH#LHBICRZ,9+3>L0/3VZ M1UDV5CNHAT%ZV,F]LGHDI,XOJSZG4,7(KF?D?GY/=YU6*6-7W$1"'XNPS,[( M>0+X9%X[4H(TDDL3,UF:V%.)&6I$,IEOL>M$]X$G?*:RS50'NH>>36]6*1IJ M8C)+Q&\$XU.U$]T\Y43_GQ"DJAC':0O26S\L\D_ZS7RF@"1MHUFHWTA?WPG^NYJ5+[(MNUTR7G2K MK!U0B54"_B^2Z=!CI9B?J`IB'+,DH,X^Q2;T)BL[0V;CLQ6DLY$",ILKR#1> M&*7LR7+M.LFE#RJB5M4;XR].ILF0HT<']&=%3U6NM%UGH?3TDZC\NFG'29RH MP08RP$-K++F@#4PMG^%+94!2-*G!@?MT4""ANBD!41.TV!W1>:+Q0P55#:%: MQ\F-%A#+O1N5X(OFW^@-CV,U[L)FY/-NE)4\:LM``>PL[9,75J?VE9*VVVWT1(3LLEM4K'+3235LSKBNMX3A(-K0E7 MV4)JA_]=5M@E*GJ!HTTJO6PL1+]@;G5"FT_8HU)R:@MM;76*D*I5^A:"M">( M32)%<)IFRB#RH#'FJI/5EYZK'I%#C5;I[.@JPKAJ MCK.L0.[1.!J'*9] M.-W?H:\GY-GHZC_H@_I1\UG][DV57U`?%V9957PEN-J&6=67*J18M]0A77E2 M1G*0VB51K?2[]5OF37VC`^\QO75*G$GQGB6N'ST8JKHN?'T7*:4^GIL)4Y8, M#W1*7\\FSSD#J;O#`2/X+TW126.]Y&([>`HW"VE48C(-9:P'V54$1O'RO?3DZC$U M><=*GC MOM#=^UD(W:H1?D]).Z&L=G/##R'DXRV&G;LY+!LG23 MZ8&XQQ&7VQKINQIZ_/C2K9$`/H!O=_`%:6=^TP@/(`?(F8?<2W?3>2P47-BX M6^[C10K<4"(=1/BNL@^_1N'8HY[Y]3W[E`WX^?\3=%YVA41J+ MUI?Z./4&B`/B@#@@KAF(PT:*:JK-(7L9Y;""L47TQ=78^$9Y':MM#TW5NRX+ MV=&1A@0T1@+LH6UU<&8`-``:T%@-Z%FM01\*``6``C14`?IMJVL;VP^K+A*` M3;,?!\-V#0WG`\9Z'L7+?%>E.O?C34D,4F5(E97,.X%BH!@H!HJ! M8J`8*`:*59%B&/A1>[<6PJL"=KJH';V>L5%=6(:<('@%7H%7X!5X!5Z!5^!5 M,WE5X%A8Q7MA^OCC8N#4(3BY^CR'5W'NT6;(WJ:WCB\(N:59>/FL99\%ZU,6 M+L"0QC=VZ5J#EK$EW;N;?0"`AD(?9]J9G#7O&YLI"(:&0 M4$@H9(T4TNBF0-!'Z"/T$?I8(WTR-B621!(\QG)PXOC_)3(P@-VJ9BO@"K@"KH"KJM@*N`*NRG$P!KJJ>SA^KCQ'IQ5_+MVW0%#IC\=A M$K&QT0-@`55`U2A4U:F=R51$`&B9`(JSKH`X(*YL0>3"FL\=$[MW/[&'TV`_ M<"E<%@;L5WX_);?$SIS8N_7B>V-'P8*O9>_G'=P^P`_P`_P`/Z4*"PP$5E5? MZ?TKM5,83:EHAR1CP5L*E&<>PRNF*91D)H+=;EO]H;FI"'7?3`*=X!(Y?>A, M972FV^E"8Z`QY0FSP=6@57(8`,_P$_YHN<2=>*PR1)6@#9[!:C=[EN]]N#P]FS$ M$M`*26.Y'`T4$@I9@Q$CJ"/4$=G_4AFN-,8"XIJ`N%R/^9>8D_9OO#[W=ZXF MOA>(X_G2VG;KS;N'8JX_>P'5,C[M#F>&U][NHNY;EOZW1,;>^!X5>+("9Y*% M8[96W%T>]85'SF2)WHYML7;+7@]T=GFVQ7C@LNOY\I!X(M@TE#&+A%J]2#]R M_UYZDLW204?A6OJ:2"TN<7@L;L+HGEW?4T-QJ6OLASR0C.[@DHU#G[@LGUYC M\L)&>ZR-5$CV5=RQ[^&4KVG9G>?&$_J3JID%C"2X/I])<3K_8TTSEH7: MN++)[F_4URUR@+HP[X^Z[3?/NKE5QY+=:.]Z7W??+]SW?94I*"IXT`I69,.Q M0I(@Z2=U]:D7T\.=])NUY>X_,4^YJ#"1Y+1V.ISNM9L+["<*WNL>`E\2GQRK MT7TNT.$"XI[@>+\FR!M(>M+:[OV2?5@@'W_7MV)B6]5[CL[Q%WA;'=+9!; M1FX9HQEE,1P0!\0!<>4W'-9K_U`41<) MP&ZU*83%+5;#,*[!.'+#`(EMTVL.PVMGD%M4`M M^"X0#`2K$L%LJSWJ@5I%=LCJU>]*KF7,`Y=';A&TJAQ[NB-C&\W4A21(7#:6 M#WWJ";7!!_`!?"BJ^P)6@!459T77&HTPUF.B:]&,L9Z+,+F.Q\E+]AZM7#_> ME,0@58946N'L M)^0$P2OP"KP"K\`K\`J\`J]JS"N7ASGIT0.9H;/'2UT=_`"[%8U6P%7P!5P!5Q5Q5;`%7!5PH,QFMDCW1I@ M#3QE[EL@J/3'XS")V!C'N0)X^P*>.E$SF8H(<&N*(SVX?8`?X,=X\+4P&HY7 MS1VO^H%+X;(P8+_R^RGY$G;FQ-ZM%]_C;-4R$1GG#@)Q0!P0!\0U!'%8M_TK M-4<83:EHA^PYE,,6#3Q8R6Z-K.$(AZNA=WSP[`$TX%`:T,$>Y>`_LF,EUT?@ MISGXP6Z_CWJKKV%PO%.GQ=A6`V79ZNW5,X2M3E$KS%Y@M*:$#$A>@9K;A^2@ M)6A9'EHBIXQ1#""NM(:KR$381F][A*67ZP:L^`I+VVY;]FB/2RR;L)*R?+)5 M+JV'>D&]#(WZ&#MC#H&_Q)SD=]/U>Q/&G)E\+Q#'\V6C M[=:;=SD5_RV1L3>^3[_R`K)B?-H=S@PO+:UZ!:XF@HU#GZ!&`&6Z<=DL$I)> M)AD/&+]1W_.`^_?2DRP&E+K[YEF7LRKRV8WVCO<-]OR^?=]7]_K9K:H4%`W8R/K9^WEADY/ZZ2=U M]:D7T\.=])NU1?,_46A#H4Z82!ZX.QT_AYT(UHS::1WW1NR"WTOVJPH5+Q*! M+NP!1CB;A[Q^ZW@(Y`%Y^T?>J,7"B'T)(P'X`7Y[AY^>OP#0`71[W7$JB2)Z M"=`&M.U-XBX7*>?OBY3SUOTV'/OWV%A^N78M+'A.>7EFBKSB!(&23`+I]KN% M6Z,I\SM*I#2E\XS0F.9JS/]3P$''T!IH#;0&6O/PMH[5&R"B@#;;5ZX`/X`#[,^=`=&LO+@@_@0\7Y,.I8;1N$`"%`B(P076O0ZH,0 M!C)/)MSMB92;38NM^R>L=/$,&15'I)5 MUT?5A5JCCC'/!6*!6"!6SF>UVJ`6J`5JF9^/;9O+R(%:H!:HM?!:P[;5[W=` M+I`+Y#)/KIXU[)D[VJ/NY&K\Y+7S,)!QE#BQ%P9%$*MB_,'L-0P_8?@)K``K MP`JP`JP`*\`*L`*L>"TK>E9K@/D[X`/X`#Y@/MN+X?(AD5X@Y$XG930E]8OM MZC"V4DK7!(*!8"`8"+;%MAR8%0!B@5@@%H@%8E6!6(.6U367QP"WP"UP*\>M MW@B[2!::/*Q3CE#-9$NF(BJ$4P6<>U6S3,8S%JH+S;QEL']J9L29V&VWF-@ MTD>F%P.G#L')#9-K7[R*:8TY3>HYX]7AN"FK;Q60(600,@@9A&Q?B[N&/7,3#B%D$+(Z"%FC#A`M4N6J<,+HT!H: M/&E]9VLVX@!2Z"/T$?I8+7WL#KI6I]<[O#VAD%!(*"04LGP*.>Q8]J@$W>A& M*&1N,/>7F)-=-EV_MX+EC.9[@3B>"*VE=KOUYMU#*ZXJ3)?0;0Z#11;^MT3& MWO@^_."H.^E*X=WJQW)]^YIE M=BGU%QXYDZ6SZM@6:[PWS\KK MJ@?(;MSUON&>WX?Z&;ZO596"[GC?H"+E!$`?N6\_+VSR4MCTD[KZU(OIX4[Z MS5WJ7Z]#W\TZ:A3<4+`3)I('[D[[ZG4.,$/V&8,_;62'(@X1&33SFE$[K>/> MB%WP>\E^5<'B1?*2,W=+!L_296*`O,>1UV\=#X$\(&__R!NU6!BQ+V$D`#_` M;^_PTVL-`#J`;I^@.T^BB%X"M`%M>Y.XRT72^?LBZ;QUOPUKU1X;XO@6""KV M\3A,(I9>?4A68^AW&]Q5?&2WW36W7*W1@[85$K#2.5Q(%Z3KY88:#LU-:H9T M0;H@79"NO:VN'?:+WP4?X@7Q@GA!O$QW&:W1R-QB"8@7Q`OB!?':5^35&EGV MJ/A34B!?D"_(%^3+M'S9;9(O5#04<>@%6@!459T7;:G=;X`/X`#YD?.@/$36!#^##O`]A M#;LX^0B$`"'F>ZM9O;:QT<*Z$`)3X!\_.'DZ%9'C<9]%@OX1,N;Q2Y92;4VD MNAQ-WK%L+8?_J\I"LNCZJ+M1JC]H@%H@%8IGW6<,]#&*"6J!6XZ@UL#IV M\=.;0"U0JW'4LD`8?P`?P`?/97@R7 M#XGT`B%W.M2D*:G?`@*OVJ=_*T2NZKJFNA#,[F!8>R[+;Q6],#VJ!6HVC5KMG#5L#<`O<`K>,^>!73"LX\ ME^>XF.>,]YKS9$IR9$S'&K8+"@5>8K"ZR%J%%*QTT0.$#$+VBAC,ZM@0,@@9 MA`Q"5FDA&UJC84'=20@9A*RB0M:H8TJ+5+E*G&/:-3K!>V=S-N*<4P@D!!(" M62V![`QZUK!3T$0M*"04$@H)A:RV0@Y'UJAG;JM[*.13YLN-YOX2<[++QNMS M?^?JY7N!.)X(+7=VN_7F7:ZBOR4R]L;W#W2@2QC4%WD!:5Q\.E"@/+@Y7EBE M?`6Z0\,5N)H(-@Y]<@1D-:9;1+)9)"2]C7G!.(RF7.V,S.A_WG3&O4BXS`]Y M(-F=%T]83/=S*4/'XS']PM63>.#0EU.">&PQ;\SX;.834>C1%N,Q8VO&V:7@ M7WCD3):.IF-;K-VRUV?^[?)LQ@/73"FI2.N]TUT>=,+8%Q[P&S%5#>.*6$13 MPHZK&T#.A..-/2=G_FLNZ4=J-/7[O#UON9\(%HZ9^)/N4.TU3N(D$LSA[="D((%43(F$74_!8]UQ&SF-U- M1/KB2$RY%RADR3")'/WN2,SXO:X%@6OQ?.9)_7.F0#TA?N.%%"=ZOC#!.J,A6)9?:4C%-3:K*E MM5B^BYR-B#(CJ,:BTI/WNF=30?8KH!)!&+^T(@Z!/N).K+Y;H(JN=NBY7IQ6 M:/E]X(13D>*,*B,(BFZ^D@K.Q`"Z/:NA"3U^TI?FGK'B@EH//)#ZG'])H`36 M7XFE;'7-XL%:DIE#4,VN>7_4.M*?*0)PYI\WJ,F5-R4I_RKNV/=PRM<"_#O/ MC2?T)]4Q"SPT/V92G,[_6*O\LE#YB5C+N7S=C3/KMIC+I0OS_JC3>_-LG+,: MBF4WVCO>-]SS^_9]'^I7CG*B?JA?<>][3%57A'G?,]*?[IDN M=:?7H>^FS_DTCTD^Z\[*]3T[]_GV^V=69$N!AUF\+*IHMTSW_EU\FN(L M9GHDDW5L"[#;$^QLN^FPVSA47EGO"625"EE;S\>OB)`5,HLO_:2N/O5B>KCS MB#U_4@/I\21,)`_[8RS)AJ/2,!X,8H%8(!:(5:UP$`0#P4`P$`P$`\%`,!`,!`/!FD8P M3#T^#Z=3$3D>]UDDZ!^A#FEZR7+XK7E6,3K9UG#8,D6DNO`%0W#@`_@`/H`/ M&*`%*\"*M=LZUFB`)4S@`_B0WM:U["X6](`/X`.BIB)R4![P`+\`+ M\`*\`"\JS8M7SW@&%\`%<`%<`!?`!, M!XS[U#X\<`2+A!-&KG!/BP#B8?!V<**6#$ZELP_P`_P`/\`/\%-.^P`_P`_P M`_Q4IX_6C(T[O@6"BGT\#I.(C7$LU;/[#+1'O<)S5'69:U#A)%UY]+PYU.IA M(32H!6H5<.;;L`]B@5@@EFEB]:QAQ]@AX*`6J`5J+:DUZF&S1%`+U#)/K;:Q M4T)J3RQLVU'P@?45XXYMM7M8:??">L+)U)@/G>X(?``?P(>4#T-X![`!;,@2 MSU:[BQ,)P0?P`7P`'\"'A[>-\<]+HD>@>84&/,"V$$!<0" ML4`L$*M08F&B&G@%7A4PN7IHXS`<4`O4*F"B6JN-.:"@%JAE/EW>PUJ[0A.' MMNWA3.:S[T]XL^RQ8G[)P`88TW@/L6SV#H\$[ MFW,/H#N\7%9(&4L754`@(9`'$;I01Z@C MU!'J6!]U;+>M7@O]:P@D!!(""8'<()`=J],VM[DK!!(""8&$0-9'(&VKWS&W MPASZ^)3Y*$`MZ2DQ_..$T/:_[)J!7N_2V M2%]R3R:33%"]7+9FKEVJ\H5'SF3IA#NVQ=HM>WV099=G6V:*2.59G^VSRX.T MH4T5:7VZ]BX/.C&!^2>U._>,E<"G19S(DT1]SK\D4"#V5SRWK:Y9/#B%O2-\ M/[OF_5'K2'\FC^/,/V^PQY4W)1I\%7?L>SCE:^'DG>?&$_J3ZI@Y.G)B/I]) M<3K_8ZWRRT+EISXM9[]U-\Y5VV+VE"[,^Z-.Y\VS?G75]6-]SS^_9] MW[[KUZYY_=!^U:Y?/=OO]8N?FYG?6#JN(DZ-?L&\;4>HD-1,#UI_NDN#B^O0 M=]/G7&X(;'5,RB@4W:&O")SM@K-!W6&VL4^#=24`SA;`,;;4!,!I%G"V7M%= M$?]5R!!%^DE=?>K%]'#G$7O^Q+R`(H4PD3QP=]I,YKE8:C4AOYY9+\#@AP;I M69:<_)`F)R%TYH4.J%M#W:=YGOO3PSPW``@`0O:`NEJB#K('`$+V@+J&H>[U MLH>M+1Z;D/8O+YZP(&1R)AQO[#F,JTDIBMS:S(0U][00&._1N%7@?VF,55_A M!.*`."`.B`/B@#@@#H@#XLID."!N%\/A<)!O@:!B'X_#)&+IU8?,2I7#)L;6 MZQ57XP(6UO5'IJI=EQ5PR+M"`9JC``/0'_0'_9M*?ZMG[NQV*``4``I0-04P MMC,;Z`_Z@_Y5H[_5-K=""PH`!8`"5$P!NL@`/*AG@?/>JCYN\"7Q8^_%`P;+ M=?7['*4ZX#EI[;:Y_8X?,TE=V(;A7P/#OTTA5FJE8=MN%X\O$`P$:QS!!FUC MX\$@%H@%8ID?:`6OP"OP:GY;IV7NY`00"\0"L;+;S!WX67=:83KQ>3B=BLCQ MN,\B0?\(&?/X)0O=MV97Q4AD6_U!RQ21ZL(7#*\UE@_#K??F`QE`AIJ386"- M,/D2?``?%J.FF(H`-H`-Z6TC:]C'S#SP`7S(O$,';#"1>&K&1+7S,)!QE#CJ M.,`BR%.7+"\FU&`8I93>"00#P4`P$.SY"0`C8SEE$`O$`K'@N4`P$&PODP/: M'6.3`T`M4`O46DQ>0TQ8:!*Q5KG"#XGT`B%W.MRP9DGVCC5J88K."^L)!U-; M/F!S%+`!;%AV6'KF5MN`#^!#U?E@[(AZD`%DJ#H9++O3!Q_`!_!!WX:I_48R M325.ZT[2(U?M`3VG/#2JV$E`I3)B:0P')`*)Y3`,!XSZU#P\X`C1D$L$*L` MG]7I8_<`4`O4,D\MG(%8:-JP5MG!@H^:KQAU;*O=PU8$+ZPG?$QM^=#&TFN0 M`63(XBH;>S:!#6!#WAA&]ZT%*\`*L`*L`"O`BJ:P`A/72G#<>5TROP7PK/8I M8`RM8&@%!`/!0+`R$*QCC4;&=G0#M4`M4&M^6Q?3;<`K\,HXK_I6IX5)HJ`6 MJ&5^.DX'/JO01&*M\H4X8&IQVQ"SV%Y:3_B7VK+!QFDZ(`/(,,^P#4[/L MLV!]RL(%&-+\IB;6P)R7W]V<>P#=X>6R0LI8NJ@"`@F!/$@OJ&]N#AK4$>H( M=80ZUD<=VSUKV#(VO@R!A$!"("&0-1+(?M_<#FQ01Z@CU!'J6!]U[+2L3@_] M:P@D!!(""8%&3\FN>@4^!W42< MBL17'G/"V`\O3K)'\A25I_C]3/]0+'3US!R#(BD'0/"\?T0YQ0->^9 MRV-AL4BXB:.>1U?K4NEM<5SZ%(M(R)A%V672F="EOGH=/66X82J1:0V#9EY@_6MY3/H=:ISJXOO MC(Q.C7;VXYS]2*Y)O3R'=>S6<;=%;W?U?9'PM;V6IYGG[A%I'=4M]+].CRKU MF?`BL[?IZJKWJ`86;.:3P5Q&-Q!#M#VXKYLCD?30V//U"\_#Z4Q5W15DJ*E: MHD1?\WC1(J'OBZ5I(\*`-Z/GJ/(NVM23:@\D26^Y]N^IMI+N="VRL^=,V(T( M1$35N:=K_DB\:/X"]?(%CETQ)3O'"AQL1I%6&$UUY95=(U=C,LSL0U=16ZLW M,%7BU.16%KBHD/9N$@8HEO3_),D$\D2`4?8[P_>R:]T>M(_V9 MPC]G_GF#1:Z\*4G25W''OHDA>1)',Z_2+N1^IL[SXTG=#49 M(@M,E6KRF12G\S_6=&19[OPLQ46PVNEMG%:ZQ41'79CW1_TWSX;!JY%Z=I^] MXWV]/;]OW_<-*E+.NM=OB'*"MS7$==WK5Q4^[*>@G#W>RE;M.?[M)NPG7HNUE':;63&>JNYTJ'\IZZW?,> MI.Y6,=6;VM;:H#`H7"B%[7[3*;PQ_0)D`5DFD+7URMGZKBA]K5GUU:=>3`]W M'C'T3^G@39A('K@OV?NL*M8M+\OWN@WC,T8\--^_)M-K$:EA"!T%`H?[[(H` MAPL<_AJ)XY61X3")U="_'N&,A!KKU(.XMT+&4RH-@`J@'@:HH8R/\UUH]AWH MA#LO"SI)1E?`&;WLZ*W2&!)HK`,:U[02<`0V35LNT'99M7IPA M#'##6!#Q=DP-+>1-MC0&#;4 M-4[JG9C;-AE="E"EQE3IGO2-G7'?!*I@!>YC)CP/IU,1.1[WU0:O`.K`.K`/K2LNZU$K#MMTNWDP()D&PQO720#`0#`0#P4`P M$&ROJ^9+9[C2&`N(:P+B&K\5PX=$JL-.C>V/!B8^P[ZBSQ2HP1*1YVS4E``+ M7'J!5SOL61W&EY@,AV`3V`0V@4U@4TG95-=Y^<.3MO'SQIH\E`JJ@"J@"JB" M[,%^%E8@0@.7FMW?&7:W/M83;`*;P*:GLP>VL67*8!/85/,N41][ZJ%+!*J` M*M@`8W\FO`IC[AL+4LICL6I)T6ITUZ'HS@V3:U\LPCNCELW>IJXP%D@:W^+G M\*8MPDR5B[=!Z:)PMQ-S#XC5US+ZI\,SNB;::%O]44%);^@C]!'Z"'V$/D(? MH8^E&1;!PAL@#H@#XJJ'.*2]7A2Z&#N0$&$+*%U*2J-;AV[=KMVZ'KIUT$?H M(_01^KA9'X?]PUL3^@A]1!("28@2&0Z(V\5PN4ESO\2Y3R%(X)81.DW7D!&C$^[0S+]P9W'EN7_+9&Q-[XOM@*?`L8# M1K@.HYC%(9M%(7=B[U;X]VS*`WXCF"NHE'\D]'KFASR0%COG$<&33;AD4OAB M?CV54U`Q7?4VW8YI\Y$$3$/7&WMDO3LOGC!/2;:0 M<:H&.E#*LE<7W]F,>FCCT/=" MZE[%U+K!C:FP[J3/Z"IZK3J1RJ%+DNJ=WDY!*+W15&:G\Q&,JD?3^))T*XHD* M7<\*]02F8E3C5#`D_BM4R)I'M4JAK.B?=(RRXJ0RM%I,1AI$6US%$WE381=P59X'[ M38GZ=^$([U;E[>4%Q6A^J-SC%;'R@Q\ZO__M__SG?_QU_@2JS>]"I_A_"">A M[EZ/+[F#4[;8&W8NS?J_?^7AV]+<'2I$WPY4W%9)]%7?L>SCECP]X;*F4 M)H>)]<>[]#W7H>_.,^>W%`ZHC#1;FLJ$R)=CA+M,'NE?$^KTS1+B&9?"M2@4 M6)A>+DS/>*3&*B25BLI-,>`K]CUP^$;Y['(?'4XI+Z:M[B_%;[OD*^L<4 M81Q+[@LE(#$QB<**D]RHV7;C9V6R8.4A\&.UG1V?8OPL![#>E+IOX/`HTK_' MC$\I2J3GJ>%?"LW#@+H"WCCOE*4*XD/IJ9$LW:N@$JJ'\&O/5P\DIS(AYJ<# M5SD0T??SEVX$R(_'\9;68UE(533"H*O,2=^,LTYU5G8^[P11!V;J)=,TZZDO MH`Z6F/_JDKR'B>K?J"-9;O0%OK@5_O&]1^]G4T']'NJHJ.&[M$N4'+KI5XLF1&2$E'=I4B_D7F M,2Z%[ZN.%G5TZ3+J'ZO0C_J[U-U6_5S"ANI[*WB2%`20WU1Q+&Z:WI'2HKX61O4HVXN-S*%4OE*,2BN"D]'WN0(K_T"#,\RM4$ M;#R$N]$Y*8VA,*'R:-U5O%RFHLB;S-6:@I29RBMI!/I^)L'3>?(B4*E1E3C: MP-B,URO(51[H4?BGPV))$!%TM'.[(2E/;Z((7VIR.GZB\K#T>GJSTGF)Q/A> MAZ<6W4WJ/:FI+3)SM)Y#K7KKB3L=0WCJ_502#UVP01#5Q MOME58**`HQK]A/US_8<4%X30#!;C,%I!V;K\%EWXGKS!1LWXHTE(%HIA'?TO- M&^BG_8BI4ZK*KJ7XXQ^)"D34\+_OAW>J/I=>P(EYY)3.'!WMJ"]_Q%0R'KF2 M?0CI_[&W1Y=G/SX<_3B5I*]1B0Y5I&,R:W`<"RI!Q",*#*F] MO$@;_$[U.]*LJ.8K5=%+!8#`>)Q]S(RJ4MUDB.MXZ4[N)AXUX-+7,C>D"Y6# MT!&F._>XEGZD:I7T#D_GLRGN(P-YOZN95:J(^L9%@ES'K7<>N6OU];72"#)4 M)!8/U5R[SK'F+:3+XZFASCCR MKA.=.)B_)FOSBK@)D!F`WZI"_PRIW%\%+JA)J=US0XC23'JN MA"/E!H=L@O!9$:-(/5*1NL[7*OI%:M+'LHO*_O[`/1#=E1-X&$8KR219F0E^[`_.[>'Y>9J%[?7.6\/A/K.P>XNRQHO@('5!4L0ZSJ$`.9=$ MF?L)'65MZ#D^[#AN"(RRX'\UD5.!(:A3$V3+9M1O`8J511*M^^/6D?ZLYQQ9_[YY7"F;OZ-%Z2%Y$DKM5C>?'K/+/L;C^KZY[R M::/=##1Z=*#X;!Y\O,!>P-.6>!J4^QBAXM'U]TCE5Y99/X`,HF4`5HN!M6WM M51'/^/@\F]>:4%]]ZJE)J,XC1OTI'0=*5_(\/5=H1R06(7@A>OL7 MO?U`;?LM9`Z-0YU&+1<0C>V_`Y36!:6?=8Z_7#`%$FOJFB^Y%QW_C\JL%QI% MEFB_H^+"R_6TPLKHQ`].P64;$S*4/'TU\?DJJ/MD0Y3&CNY(U7'*QAZ.R,U]JB9_4& MZW.N3=L#IU_`X4%EFJLR(R@,%`8*`X4I3&'>]@9[L\:2+L79QS!4?H;^0'^@ M/X7VH]K%*U!=HIS7CX%5/8US*5RU2S?[A]J`0VUDNDSBG(>1VM?@A4F`5>@5<%=*A: MG;T!J\D]+;`.K,M'BL,]#Q:-A^$@?=%<(HPZ[@YQI8G7-D>H9P]2%6\@0 M@DR/D"DUUK!MM\WU/<`JL`JL`JO`*HQF'2:PJPL9BMQ,;%CMWM*5/LAK^NB^ M$Z5/39C:<=$T"]L#J]UK%YZW,+:S9YGYBX1AU1*&965E;_V\-3`2C`0C#S>J MUAZ6='G:'HB,(3?PM6)\I;BV91>_:+T17K3Q^QW^\^3'"K:YY/NN5JL+ M:RM$T.KZMZ9P\P#3K$!0$!0$W7[EV$UQZ MA$O@$7@$'KVZ2V;9YA;:8'XB:`::;717Q+.AN0VMFN"R,**W`4WZTYW0!;H. M?3=]SC^$[U)%CK_P6$TXO"_DE&4<\8T,FUD/`,0!<4!56X.)$DQUMV+'L MEKDI"G6?#(0N,B;:;;_E1*?X?=1`+!"K<<0J8N$'"`:"@6"+H+`#W[7'+';5 M.V('.U>R8KP:6OT>#KY'@JQ4<^@.R(6:PZR29(3[,)TC@II(`U#K8U,->;:?:.RLC.52T[5U96=EK8Y!R4 M!"5+1,E]#E>!FJ`FJ+E]#-NV6N8.*6@V*QN_F&,O&^]6+'UC]Y'B1S(3R4RD M^,$*L`*L`"O`"D1.Y1OVJOH,O,W#7L@+[$H^VQJUBY\!VXB\`+)UR-9A;`N4 M!"5K2$F,;8&:H&8IJ6FKTP=LL/)@/<\:=C!WFC;Y-*Y6SG7J$(+<,+GVQ0)" MQ5+R8/;\:>\&W+.]S'?)NY;=,WT*Q.-F:X2N(;\,]8)Z[4&]NK:Y2`S*!>6" MO(;K?>O,M5]+=$QM[X/OW*"TB&XM.N6JI\\,IO60'=4H66_FHB MV#CT2:B)C$P;GTD12_HRBB.9.E8^C8%FNW[/55&KL\^^EC%;9L M2X?:3T2/-E[N*2N^1AT#G4>`^IQ_31!&4^ZOR*NMKED\.&U31_A^=LW[H]:1 M_DQJXE=OPJ[MCW<,K7//B41S=>D!:2)W$X_R(-%_0W=YX;3^AJ M,D2F8Z11/I])<3K_8PWMRW+G4^9+;>MO'!S9(NNN"_/^J#MZ\ZQLK@IX=J.] MZWVM?;\0%40%RUC!BJSU*EW/95'<!L_->%CI MG:SW/PJ>'%\\NOX>A5*R?P:1H#<"9!`M,[#Z..\>[=`!+K-G+.ZP8GWUJ1?3 MPYU'C/H3\P+JCX:)I'[D3JNDGSUEL0"Y*SE2SZE'#]';O^@U$&I_YUY@;`(8 ML`:L/8&USQ36F9MM"+`!;$^`[5*EP/]'I<`+#?=*-(>_N#APO?^_,HSP@U.4 M6`AL<<`V5I/L5RB+->*KUI>4SJK5L"2P"JP"J\!J1:S:Y*1C.F7DT>W]"XDQ M$4J6`4ZELP_P`_P`/\`/\%-"^R!3]_0>+MJ6B[_^KAHO4+M8&SO4U3@B"SY8 MN#P+,IX#X;9S=`ZWUJ)GC08X4+HBJ8=*^T"H3'-59I^;D4%KH#70FN9JS=M. MR]RB^.?,\:+%\.7`BK'U[A`@"!`$:%.7JM\O_O3=NH0YC1\AVY3DN12NB+C/ M_A%.!?L<\F"9XCD/HUD8O33%L_4&K+M8]K!;J9*]3)&M+IPJ'WU*YZ#K2@@< MV016@!5K?<*>N;-DT?4#56I,%=NV>B-C>V_5Q7=@C'J7[HNI`>K#'!]Q2!*V MK.&H^"QF7=A9(2)6UX_5A5L8BP3!0+`B.UO=OKF]6S$`!]:!==N%C-T]'"I6 M%X^&8:<-_;9O,5U>",D.N\F=\3-CS)UV^XQAZD*W\C&KPAZK7F0JHC\&5H%5 M8!58!59A\.LP@5U=R%#@P%?5#U[>U(/:]%=Z0//TT8TPD-5XW,;MD=4:#)'5 M0,:P/#[-J!%?M==1Q>+'Q^S6B//70$U0T]#XFFUU.B5=XE:!XS@Q_`;&[CN* M'5B#;O%CS[)[QM9@UH4Z MY6-)=?U6Q0B!96%@!5BQUI-J6R-SFW+'F)\S$1WI$29@^(T M14\F9%YP*V2L.BK%C',],R>A+N-@=LNBZAC+(.QJM;JPMD($K:Y_:PHW#S#5 M"@0%04'0%RQ(V]N$?2Q8`VLK-&)V0%:.K![6JQ7;SZQ3=_)ELRWYRI&VDOM; MGQM<=`:GK&/4HZ[5[G0,N\EZ#T67CW[5]6IUHE)Q'4+P"7QJ'I_>=JV!N4.* M,*\1-`/--MPV'%G=OKD>61,\%D;_-H!)?[H3ND#7H>^FS_F'\%VJR/$7'JMY MBO>%'/^\3]-60<=*8ZS*.@`@#H@#XLILN-(8"XAK`N(:GXC_\NA&!H6$=$W$ M6/G@5#K[`#_`#_`#_``_);0/TF(OF<606\N+`U-VM&O'&G3-35ZH^V2B"E&Q M7,+61&JUVSC,&,0"L2HQ30@$`\%`L$50..IC[U`DME_1-SO82985HUK/:@VP M-P#2:#B>X7"Q'XYG`*N:S:JW[:'I%4S/FJ;)ZWE!M=H&=%UK,#*V,UI=7`\. M0S&T/'>230:?9I/!JWPZ2FF79A.(PY3`5_!UX+CVD&_"R=ZL/YLG8;\2K%'<<4R0^V6N;/',&2!/&JSV82! M0+`*K`*KP*H:LJIBK#$8V=6%#1CQ>Q0MFT?R#N&<&I'V&%FM]N%WL6]$6@2Y MRA)$G(T@M;63>).9/D^U8[;ZYR<'/6:8N`H3<>`EE MI@)A:ZDTJ`A[528OLL%DC0B=H%Q0+BC7/M(_/:O5VY]X(=$#88.P0=CV,/X\ MM+J=_749&Q&5Y1):O\3JM.)-U[^P8.LIPC']IXRF'LB>+%K.;+X7B.-)>HB7 MW6Z]>5<^.V9___671![?<#X[_<*CWX6VXX]%ANR*BOW!#YW?__9__O,__CJ_ M\JNX.W,<,E),3/PU"@/ZTQ%Z!<"OA#3G/OUW<3-A+%`&^"[&[X\NVBV[]]_= M?U]='#'/?7]TR9WX>/CQ[*+7NFA?]D?#[GG/'EQ>]KJM0??BK-?^T.GTCO[V MP,!YVUQY4R$9%8I]#Z?\<9=Q@/;1']<.<_LTG5&E63AFWX6C-JY>6I/]B'G@ M\LBE"H4Q^[>@']UP%@O7!/1^2V3LC>_3K[R`_&M\VAV2A!X`_5\> M)#RZ9X35KL7BB6"79S\^,$_*1+CL[,<_J75.]*_'+;K@2+6C=ZNX(]DQNXJT M&KOL0ES'U,8RCA)'3?`*;B2[OF?GD7"].(PD>_LCN2:1]AS6L5O'W=;/EH*$ MSZ7TQB3[:GN\%";24W7UN$]_TS\?9=QX&,IF*:+G- MWN>0!Y(E,WK,91C1DT.91.+DB+$KJA,GRKJ:MM1:/"+#LKN)"!@/F!<QT"&MD!;=X])U?R0>?>=ZHYJX1-&_SW`%$&-B?%8T`6W0KV+*DV0 M]!F5RPO=S.`>R6KD3>=?LCLOGGC!@TO9M;CQ@D"5CH_I>D(EB?4U_6'W+/6^ MWDD&!R4T&>)4<7)%"4B+Q)\S*@X9CNHXX50JSJ;*G,IX7J9HJ97.0_H8W/]% MZJ90L0=7]VG;ZD92YO,"PI:ZEZZA9LV@12V2^*G%5!-H!D@JWUF\[GMWX38Y M.6>R[`=T[-0"1IYML7,>4HT\--*=Q("M5DSW&8$(?T\QY%X--X MTWB@=E##66$2*YIJ]%US7Q.6+O_)/ADQ>H6O`/;"2."E_GTE./@6W?#`^U_= M+YJ;%0CA<$#Z.+B]&';NO#\+S7'@U& MEZ/S_F46/-@?1^U1O8*';]__?O;UT___[.K3MZ_U"4=+8]ZO:B:V6-6?RD0N ME0^],@']0+H01C.+?0J<$_:67`-G6N2H+%0ITCGIR30NFZ]5:K?>96YG\8W] M3GF4W`7?R1%2+,;)#LMK*.2ZXY($5[TQC+2G(O7]PN^9/1KU4S]+'FE&X9OC MS4AQ[R842)":WP7*J5&4Y+D>14\D(RI2R*HPW_KX![_581]5Z7?V]D&)U9>/ M%W?U2?DBZT*=^1,^O8XX^P>!5ZG_.57@Q$JC-YX&#A?"YW>J5//*I>'&ZI/) M3S]3I4N*?57<21%1]I+L"63R:1*H+<@NQ*WPPYEV[^?+E[&W^0J=7YRO54,_ M/(V(YP^_FWC.1(4=Y#DC>B"5;%ZC+%31UIQ0LZD8Y+=0+9TX3@NO0R)RHJH- MLT*>4>RZ4BBRT0-GNP@?*5*G>\F_3E,87(KK*.L)M+I/^]$R\:CR0K!&`RO/ MD\W$7[DD]_.=>.R71#[./@K2\C]&8BRHPT:Q;R["94J.;G38K35B-=S-T2@/ M6Z4VSH1'"J<:8_:H.]14H$"=R+OT.]F/(T9W/"(KZC;5RXF(IPVODV$JJW MK0YU[#L#,X$_DV1CH:/T%`73*2F?+K[%9CQBM]Q/A)F2_]0Z::U/F-RIU(2S MM.2KS6D$?L6"MJF+G-3*I4KRZ)0VJP*^U4 M/ZT!07^_TOZJ8ZLN(A6ESF]"'EOJ6%QQ7Z=7])-F6HRCE8U.LWR(A^XRGY>/B,Y^K`9$0[MEK7JV7`=:KKBQ1ZU,<1-UU_.> M2%EUF6]1V;Q(%S`SL$1HUCO0S]3='B_S_>A<@O<):#=SE M+$VC^_=IUCP.;X3&NGYP^I:CGU/Y5E]]&Y-6:[=S-8F\<MYEJLY`%O#/.Q)I M_]TE=Z5SZC%58]7+H9.&Q^L_A3Y9M5ZF#Q8NY2&TJR'IL/3%'5TC>D]B1(![IVN6*KD#"Y24=D M5$B<%IZL]G$QJ/%_$WIDVYYC269&5JZ,)R17>F?S>6U7VI=B:BE3_.@0-20G MJTJ:'@6LQM4R3ST'YG>1BLJ/>TG!BR[TTZ];HNW!NY;8F)OF7^F4 MA7.O@')^KH%"U/E*)=-!4\?*C2G2!6ID);7HXK4+C*B?U5""2Y$W"7&@+\I^ MRQ27ZD'M)],F\?UY(38-/N6JI.KOTN_I:,[*(],+KJD!]2N5?F=QCIL.TI@I MN0)?H(;*@AM-?W84S\=,%\-!*<_5E9'P/4*C;F-52_(5U$Z+"Z4:?M*#B=GX MDWY%AGO%4)TG2D>6YGVT]==1826I:;X;O`JZ"4_'P:X%.;F<>2HCX77P0?\W M"01KC^:BD9>&B'O25'[@IUYO/GAFIJ^=$W`"YKP[8^39O9[5:K5,)S*FJN]" M_0H5D679&T\-7!-LCF_#M/O`U=PTBEC33\M.69KX^"%T`OD\<^"+CP\N7/A2 M991LNH%B:IH;XZ;:TS[IFFU1"M8C';%X:=>2O$3^:XIA43Y MBF8M2LZ9*YE;624\Z;*8:_>Y&L6E/?I$9]?4@%8L;CQGT9U7B6S" M@QO>!?2CX-,TOIZ7P&+>F%ZGXCP*YJD\7T,%Q$1UVX0*U0+E_V\H1`N67GN9 M,5DOI$Q44.3IX1-ZU#7%5-L4A'CD!J!RO&#NHA^ M"NOL!E4.JD"L8W4=G:8/M!;AB)H_DA5HRN_5#8N:S5^7V@EN>I]N>C$4T%OM M*E*S:]%7R6+53R)/DHTOS&91J.<4&2&C?4P,.38TKX=8J'M`V8"$G%$W2TU) M8E*0"U2]'54-'9SJ6J@A8F)^QJ!P[CXU&!_S@NHZY5J=9)KX7/>/7NQI+ZC/ MD7O'Q;JGS;J_*R,4\^^HYT<4NTDS+_\\^7'"KI1_2R(UC^OMT?P#/>210=^, MAI]4PB:MP=NC\XOS3W1'5J(/:[4>ZSA^61@C+-631"I+T>)+G^?G(!])5X-Z MFEQI4*4\09H5)$@E3A83!8D.&=04GMS"G74$2&F?UEE3`^=MVVH/UP^W?&5_,TL5 MKWNFIYSFW:?9' MY:KO)B&[$]1/7\3P03J9-.VD.TE$/7Q_OBI"3UM0SW"31?YH[$FUH.2>+,I$ MH):[Z$4,+%V[T+*SC$)6%)F^+1V`HA()3I>*Z
/S/Y32%M*+I>[C,Y>!55S^?*NHL7,<\ M8>+I7HFO5UQDBX;XHM6<4,;FLF3=3EN-MB>2RF`T3Q9/O$@/\ZGY?.D:&HT, M,XZ]9:\?"[93C,C8C^1:4GOKF;NK.?H-`T($5M68*KL316&T6/F2;YOUUE/] M[^6HSH.!@$4+!RMY(G)K-\)<.P_LON%V5J#EKI*Y;*;=:HO/UT:E$WA2U.M1 M3C5#TFX=_[^+X954\;PDA]KX[X,50LNAYK+VEKI3%8GR]CHF6(J M#9HF07-?IREK-2TR$A.%ZMLTOZF:+YTVMN0N?$.G4F*U#CR M@V5_?#D)3D%RX27]Q6K4Q5I#/4M)S2Z=SA>&I`OK9CY;#2[/5U22U$T]J:]P'XY?IS--4J%(;R]F33E2B:QA]EX2J2?YJHQ%W\^EV`5V$G`$W(H8B'* MU$[+!J7XB;]TK:7IY9(K:S%_Y3*^2$1V9W"36Z9^I?Y]P2++B]&'#Y>M5K=S MT?O0'8T&=J<]S!997E[T1Q?[7&2YEXZ`,E:V3 M6M2Z^>96G_,O"8C=W%_9+G#:@(WP_N^;]4>M(?Y8S[LP_OQR[=YX; M3^A/JF.VZ8[>9F`FQ>G\C[7*+PN5WX=YN7%X=^.&W%MLY:P+\_ZHTWWS[!X_ MJ[L-93?:.]XWV//[]GU?W>MGMZI24#1@(^MG[^>%33[1._VDKCY5X_B>\TA. M^J>THY#VI',VJG==P;L0M^+YF*V1D%[2^P M;,G@6;HM/(&\QY'7;QT/@3P@;__(&[741-4O820`/\!O[_!+#P,"Z`"Z/8(N M71T8`VU`V]XD;I']9[GT_[86+O`$]^IVE;,)F@\W\SPDJQ\U>3F,9>Z\@.>@ M5?[CX[K]]7%0T]:HRQ;_%5*:TGE&:$QS-6:QL5"[>*I!:Z`UT)KF:DW'Z@T0 MT4!EH#)0F0)[35:KL[Z^#2H#E8'*0&5,V<)NMZWN<'WI+W0&.E-=G6G4@;*O M$*$J'"1KM_M6KSTHW%Q-.T&VL$(:@6R MIG5A2OE(43I_7E=6=#O&LGM@`]A0<3;85JL'/H`/X,.<#]VAL;PL^``^5)P/ MHX[5WK`1'P@!0C24$%UKT%K?+K3AA,"\ZL?PHG87%U%V4N'BC.8BB&34G`<- MP>S>^ODO&++"D-7!?%1=J#7J&/-<(!:(!6+E?%:K#6J!6J"6^?G8MKF,'*@% M:H%:"Z\U;%O]?@?D`KE`+O/DZEG#WOI!52`7)J\]DBE4YYLF^JS5(HA5,?Y@ M]AJ&GS#\!%:`%6`%6`%6@!5@!5@!5KR6%3VK-<#\'?`!?``?,)_MQ7#YD$@O M$'*GDS*:DOK%=G486RFE:P+!0#`0#`3;8EL.S`H`L4`L$`O$`K&J0*Q!R^J: MRV.`6^`6N)7C5F^$720+31[6*4>H9K(E4Q$5PJD"SKVJ62;C&0O5A6;E8U2% M/56]6&5NUC6X!"XUFTOP4&!5"5A5,=88\T#@`KA0<2YT.\9RWF`#V%#S>,O@ M_M1-B;,P6^\Q,.DCTXN!4X?@Y(;)M2]>Q;3&G";UG/'J<-R4U;<+$J^7&*PN MLE8A!2M=]``A@Y"]1L@Z@X)RR!`R"!F$#$*VK\5=PYZY"8<0,@A9'82L40>( M%JER53AA=&@-#9ZTOK,U&W$`*?01^@A]K)8^=@==J]/K'=Z>4$@H)!02"ED^ MA1QV+'M4@FYT(Q0R-YC[2\S)+INNWUO!O/NH157%:9+ MZ#:'P2(+_ULB8V]\GW[E!:3U\6EWN%+\U\/B:B+8./3)GY")F&Y8-HN$I)=) MQ@/&;]3W/.#^O?0D"\\/VH=Z<\D/,[\\P:;7'E3(=E7 M<<>^AU.^%E?<>6X\H3^ICIG>D9;Y?";%Z?R/MM]PS^]#_0S?UZI*07>\;U"1<@*@C]RWGQ2EL M^DE=?>K%]'`G_>8N]:_7H>]F'34*;BC8"1/)`W>G??4Z!Y@A^XS!GS:R0Q&' MB`R:>NM^& MM6J/#7%\"P05^W@<)A%+KSXDJS'TNPWN*CZRV^Z:6Z[6Z$';"@E8Z1PNI`O2 M]7)##8?F)C5#NB!=D"Y(U]Y6UP[[Q>^"#_&">$&\(%ZFNXS6:&1NL03$"^(% M\8)X[2OR:HTL>U3\*2F0+\@7Y`OR95J^[#;)E[F-F1HM7TV>FJMO^Y+XL??B M@<;EHI*:;=)L;BBL+@PI'QE*Y\?KRH8"#KT`*\"*BK.B;;6[+?`!?``?,C[T MAXB:P`?P8=Z'L(9=G'P$0H`0\[W5K%[;V&AA70B!*?"/'YP\G8K(\;C/(D'_ M"!GS^"5+J;8F4EV.)N]8MKG3Q;!_=7E(5ET?51=JM4=M$`O$`K',^ZSA'@8Q M02U0JW'4&E@=N_CI3:`6J-4X:MFCEC48%C_U&>0"N1I(KJ%EMQ`4%II"K%>F M,)!QE#BQ%P9%$*MB_,%\'0P_8?@)K``KP`JP`JP`*\`*L`*L>/WYV:T!9CR# M#^`#^(#Y;"^&RX=$>H&0.QUJTI34;P&!5^W3OQ4B5W5=4UT(9G"8RB`5B@5ASCV79[>(WI@>U0*W&4:O=LX:M`;@%;H%;QKG5MT;H:Q6; M-JQ3=E#-84NF(BJ$4P4<3G9(:AECU3-VJ0NYRL>C"OLG<`E<`I?`I0V9"G`) M7`*7S,RM`)?`)7#)T)BON:$IL`EL:CJ;S)TUVA`V84[@8V"Z"F/N%P.G#L') M#9-K7[R*:05GGLMS7,QSQGO->3(E.3*F8PW;!84"+S%8762M0@I6NN@!0@8A M>T4,9G5L"!F$#$(&(:NTD`VMT;"@[B2$#$)642%KU#&E1:I<)/UN;]S]?*]0!Q/A)8[N]UZ\RY7T=\2&7OC^P'-G??_TED<.\&Z5>>25^O>*ZO#! M#YW?__9__O,__KJX2P32"X.SP/T64Q%_#64^W)XWAT.>^W^Q?G' M;FO0O3CK7;;;P_[1WQXT1=X^5]Y42/95W+'OX90_[DFV;$F3D-4?[]+W7(>^ MFSXHLQO3)GJRI0Y0Y-UA]4*FY'G1'1KFQ=5$L/-P2AIU_Q?)9IG!PVLJ`5<; M;4N+\H)\PCOA4W(71[RP)YQ*;Q`ECJC13P6624D-=)A-GDB^/ M+H[X4Y64P!R)/Q+BD:2G\9@Y)/2B)W5>EO>*04ATE!#H%* M.*;"AA'59$H58D&H5.Z>>8'C)_HZ54#7DPYY@)A%5,F%)=3K'55I8G$2D;D" M-B.(JO>*6&;UR*S*Q"WW$[I;E5%(LADUA?)&*Z6D)ZC[@R"A'ZZY]-13M%C, MBZD,*CWR._3:ZWM=C/D;TB*K*LXUA?)\U))57190GE4%H MY2EVMN#$C08GM8(?$E*H<6:1%T8$R.C6')L*$WPJ%:$*_".AN)[P)J%#$4JIC1*\5MUZ8$)<1@R1;$I&4;3)W::*[3C)-.-ZJ('I$/PB,5&206\C$(93P=ZJJOULL4!H M]L;\3T8A$[&%:J/>Y"ODWFOQX`J:^O&<2J(?1XV;LCZ[?49W/H>($8NS% MVD(GN5[+XJ]/5$(**)0-+$V.O(RXBKQOO1-QDOZF/Y.9[B8>B4N.N@N&S]^W MM*PN1/6JU!KTT@.KW+CY\O*A7`/70:,T+HG1A M"Y7W\WG0,552*ED6ZRAWK3J&6C"74J%/-U:HE4J%)?V1J4GJ"I0);Y7DA.3 M>DC9[I&TB0R7F1O"\Z<<_+R7GK?-0Y.[<_GK4ON]W+2^J&G2WDI-.MF9Q\ MN[S\=/Z1_?K]VZ\?OU]]^OB#G7V]8!__^Y^??OWR\>N5Q;Y^O*H/\$JC,*HW MX0H2&5^JH"@<$]H%T5T#V1-9EVB.8Q5-T55K5=OES5]XY$R60=:&G4YV>6H: M_5$(%/I^>"=/3;2"HY0TVH9"*XFGUH.\D_J^/6D?ZLYQQ9_[YY>2?\NC&"])"\B0.YU^D8PCZFSO/C2=T-1DBRT@Z M9%`^D^)T_L<:3I?ESJ_06&0IAQM7W&RQQD.7Y?W1H/?FV?SG:HHVN]'>];[6 MOE]8SPHV>6.>]).Z^M13J1+G$>_W4QK:4;^9]':G_;T[!UA#]XS!GS;RFJJ^ MULQK1E5!E:D1'8S-`FI/0VWK"6A8R_C8*.QG$K]#$A9S`;9!6L6'^NU>\8=N M-V(4OT*253I?"NF"=$&Z#B9=3>Z2ZML^))ZO)R*H])XWG46DD'KD8)?^0,T. M9;-;5K<_,D6TNE"F?.PHG5.O*R&&5L<&']"+W[87+[@4D]`OWK'49:?_H=7J MXX`:]#M+Y*+J0JV!U<89&N@7;0N7RR0*O#B)A+6<])!.E=7S4@MA6LTVMVQ; MG9&Q:+$I^UN6CV,5=ETU(Y1M#8K:W:*^A*IZ]ZS"]*M)Y-BQK=801QNB5P9N MF3\S:F!UV^:"Q+ISJ_'=LL]"RI55@JZ81<+QLM5S:B5CNN!/?X&@\EF#OFUW MK9:]MZ/;UG'U4O,<#'H_HPN'+MQKV6:/K-[^DB)-8%O5^W?%F?#;TTNX]/+Y M8I"(';FP(Y?!@9O6H*`C_+`?%_KNQF(:Z"/T\3#Z..RT#F_-1NCC5OL5[JU@ MV.A@E])?/)4Q8LZ$1S?I-B@J;,[VNTIW8EKLI23-;'RP<5GJ+@^RC)5G?7AQ MEP=ILYHJTOKA3+L52>^K?"OW]Z/Z)-6_QLOTO/=MO[I+N+O6!KG^Z'#YT/'\\Z9YW+SJ@]ZIQ= M]"^SK5;;EZ.+;LVV]DDS$K^N9B06UFN5+LNCAF! MVK74SH5J'\1TSMMUMDI(6HL_5^9T6VRLYLO)B;KFX?/55I0;9X(O7D*_OV18 M9^/>C-NX=;FH;++<359M<2;CB*L6.E:MQ:8BGH1D"@J1TQUE]19"ZEI![37- M=J(5X\1G/@F/F;V%*@5<;(1D8B.D]BLW0NKMNFW/"V^L_*CSZ\DT7R8I7[-. MLD'VLELJSF[WTN[2#MWKI@+M\C$_"IQMNJ^C8`:4O=1LKUZ9URA;24F!(`7& MBYAO+-2&Z+G]TD4TU9&S,JO17&+=`\GBTWU?J(UBH79&%BI;,.->E"KKU*-P M]@F0"DJAZKFR,*^^>G0K=K_ M@')U9MU3=)JDGG8F4R5;\5:FTDEWXMZJ^0B34,09BE039!SOK]\+4I*I^"7) MH`22YTMB27P`%^><"UP`%[ZVT,,/$83-P@Y;!!S<\XXS&-DC:@AG<-FYN!R- M^T7`H7L^&A\@-3F2VFX5BD-26S/'DJ[-UB*I M[0,L0U);#)"1U!9);3&*WVT4CZ2V6Q,,26TQ[C3*136%6DAJBW'1%G!!4ELD MM371I\%UM9=02&K;PN%9C>G7D)XCDMIB5`9N(:FM`=QJ_;`,26V1U-;T-)OF M\;'&?JYA;$-26]ULJ_OX#DEML93M199M^EHW)+7%V+T.?1KH(_3Q,/J(I+8' MB+]LEHABBW0&#R,M(-_%<7@,XB\,//5H#0, M&?<5.!>9+DG+J`"I*G0<*0!,6)$A@YZN4LCDNQ7*-T3"$U+RY#9'#V&(!\FR ME$61Z1&J*.5:J$O5=W=`*_+4R+OZ+6RX`""]E7[(PK3(<:J1*$Y7 M!:'&H7?YY%Y5MEWU]A_OG&1J;='BE4]GQ-F2W751HWL9;>PGE*AVF54J2)OB M]%^8-Z6[]S0FC<^;TJU+07>]KU.7@NYZGXO,-T9FOK&8^.Z)>:I<))-3Y6%5 M_W"+<2ZRE#R>I>0?6218Q[;8-NE*S,.K<3%`8.YQS'TA-HO9-=$9P`/P]@B\ M,8W*"MPYP!UPMS?`:S]5W%LAWSM_C"BXL(X%E&P_Q$#?`7F[2* M8."6Z?TVQJP>JVX^,5('PAL&0^/L`W`!7`"7B<8#N`"N:HR'):B/K4UYOSP2 M(HB\>+;Q>1][S8MHAJ6,2'UHR(JFGC7H#2NW1U/6)-5(:,R2;:A,RU6F=ZIO MW214!BH#E8'*W%<9MU]]KF:H#%0&*M-FE1GHF]9LO,JT>8IM/2RS.*ESERAA MVW;NGY[JRQZ*;?L&TLTXA]YBJB$?#:@&JNV!:HYE.QV0#60#V?;@U[I]4*T6 MF9^$O.&.K#T67B*[7E*IC#F$?TCIF;P5#;4L*FL,4\8M374]6-#?KF%,`&L*'F;'`LIZ=M[0CX`#[4G`\=?0NB MF\(&["!]="8KCD[J-I-U4%_CVM6'X)I"NQHQK+[>J3G4ZO5!+5`+U*J`6ET; M&_Y!+5"K`FIU3K$SK-)Q6&.'6Q7N#JL9BX[[5J^K;1%@&Q;GFD>:^OJB^I%E MT-,V`02R@"P-)\M0VX'@(`O(TFRR]%UM,;@VD`432X_GP%!S22SEWRO-@M&0 M,,*QHV_KXG,F:3(?:T2]^GJUQI"N5_V^0Y`.I`/IUOJ8U4_R@G0@'4A7)EU' M7W*U-I,.\U-BK>#/C*=I$EQGQ4'?:QL M6/X:1U]W%.EK#*1EC?U@LYCFZ)MK?LXR35FY`3:!38^Q2=_N*[`);&HYFPIC M#5W'U8:FMK`*"0N?25B8S\C].&"[X`E9AIUS^CF96^Q]Y+VN!GD=0IX?9^J] M+R'G(9.DF'.HQG.6?B964]0UP"G6 MFFQJJ7<\B:A:!X-HLC)J<\$7_=91JA4\%6G63KG,O`.R<.*RYOOOXRA?I\Q3X;,O*?TW$_3">,(^T74\#>AW%DCF M9_GE>:R(GO*DQ3:L];\RF0:3V^*K(")Q2\^Z0T+%P1V"2158)$BX%#XU1\BF MW&=42\HB=0HS$>ANQF M&K,;P@:;=LTE74@E$IPN%;-Y&-\*\=^2I2*9 MJ3=)D7P+"*_IE##V=9J_2:%2_58J%#U\W2+TB#D!V+ME-URJ&DP(H7?EO@G2 M*5N9*D?SS3101?@SHTJHZV;\>S#+9HS/"-PIF=+/O#10VP0F9)/)PO#!74;Y M>9;,8RGDHJ+%>WA1E2#*F42L&PM/S*ZIH*[M=!A?%.HBGI'%;^F"(`VH/6Y9 M(CRU;T`UZ[+5O%CFUK\'TET`]%.WX]*KXTQ2&;0\,=>4J6JJ(/$9V3&AFJOR M+I"AY25DM?LGV^WR(&JE+]FUI/8F^(2WUEHS^*)H-*%:AZ?J-P*K:DQJ4Y$D M!(!%9=?:YG[KT5M&=!-]EEF8KK_DKH4CIGR@@B&9R2,-_BKTM?/`Z6MN9P5: M[BN94Y`F*J^W>%'7)0V6M>6AC%650RYE,`GH3E.K-TEB8KWG9;,LS%FK5-0C M]205*7\=*U2H/2#S1$P5#+Z)(@TI04-9I2R(9F&?KB]Y=`)<]%7DQ28V!.EM M+OAQ0HV5E@%+DDK55V*H)%^)X,JMD-1)ELUC!>1XKH"<@R0@/<]?DW<8U+M& M7R[8P.F==.P%/(J,/]>"AC+D;>)O@2]D_E)RG`%]4FJLG"U95,RH`)+%U)4D M.2U8-H^3A:[>5YZ%M@8*D=\"Y6<**9=G=P.<^PUCJL.OLL?B"940]]'7EIZR M-I"SJ8KE.JO/Y==$<3+CX5J'WU'7K!Y<-+XGPG!QS=LC^RC_3!U^;_GY`4-= M!3."R4=QPS[',WYO]#LC!0VBHI"<>D+++XI!2/[-3>"G4[J:#+'8GT?#C)#/ MI3A;_G&O*WY7[O*\X%U../O!A>H;3"WFA7E[U+5?/3OR61]Z+6YT=KQON.?W M[?V^?1L4%40%3:1@F[?M%I_4U6=!2@_WBF]N"A]U'8?^HB=9]"**GJ2TF/CN MB7E:"HO0L)-O$18S;)/44^[^I=:]9\M_9-1CZ]A6/LA%D%U;D+W-F/I";"PB M)P`6@*416*N(7!&I!*Z`*^`*N#(65^5IE0<"@O7.W%-?I%61\G][)!IG/^`+ M^`*^@"\3/>GQ<@()Y[#,LE]-A@75S0R4.9J_Q5?+QB,XD6S-&*$Q2[:A,BU7 MF=.N"Y6!RD!EH#*5J4S?LNUM`LU0&:C,"X?H[G,S:#J-N,7,+*@%:M636G#@ M[77@/6O00>;W2D.AC8QXBN\JJ\@V(<_-'7@%2V`.Z,>/'7+D^N)]&QJGR;G, MS".<<2Z]M60['0Q`-5`-5-L'U>#50#50#50#U4"UQE!MJ.^T35`-)XT_;L./ M0BTOF0[I6KV\C4KFOT#5\WYZIM?`6>0;2>Z[BH+P[[5=_ROWFM0M7OQS_ID[_R,_2F<3) MS_GI.%3K6W5J2!CS*#]:1<@JN%JS8,WQL./H(ET;PJ3FL:B^;JUF5.GA,'NP M`6Q8W.98=D_;MD7P`7P`'\`'\*$Q?#CNV-HF@=LPL$#RGD>77\31"99?;&PN MUW(Z6'Y1N0'@NMI'+:;;.AL3< MC@?5GY;1!C[6B'KU]6J-(9VC+]D22`?2@70;A?K`.7`.G`/GP#EPKL&<&X)S MAPJP-"F.\C&.//HVB<.0BK=*V6FQ2*0J\T/*OU>3\Z%QJ77U'32$S+H&4K#& M+J]I3-.W,!=,`]/`M$=7ZFK,+?:,99JR7!=L`IO`)K`);*J<37L[R:0I;,)I M)<^<5I*O*#E6:2Y_9CQ-D^`Z2_EU*%@:LPN>D('8.:>KDKG%WD?>ZVH`V"$` M^G&FWOL2;AXRFZLY9U@_9]F7'')=A2&U)PAVNH>W92OR!V/V9O=.#-01ZG@( M=>QT]2V+A#I"':&.4,?FJ..Q8U<4L=K%F%O-P=0`IU@6!.DT#)*03GVKL]R* MEH-`.B&=D$[C(`GIU":=@[Z^[&"03BR,W=%2[W@24;GD;+3=N-.!?OYG[%?[5T-7#'P`_P`/\`/\&.H?8`?X&=G^V!5UJ-=\',N`^^0 M/*PXN[0Y08<7Q!0,"1O8KQUM:?@:GU0<<5&#G#U$ID8B8^/D`H@,1`8B4^$$ M"*F,OLGC-B?W@`)I&+.W)J&._=I%DE30#HX?CO]P"E1]#*,-"O3RQ0MU#YV. M@S!+A7](Y3'#$-H$ICXZHC,4VI9@!+H>$(`&"8"^,"4$``(``:B9`&@-(;9A MP`!UT!<0;'/<#UP!5^!)F^5)]<7DVJ`.I=#;+WGRM`>O?^#OO_V2R9.OG,_/ M?L]XDHHDO+T,(AYY`0_?1Y,XF?$TB*,KJN)Y&'O__OM__>=__&UYRV?!PW77(O/>E?#OL78\<]OQRY[WK=[J73[7;M07<\ZEZZH_'YT=]_,'G9?E?! M3$CV4=RPS_&,/ZY#I=O#(!(G4Y$#PG'M5V\J&D/E'V^*]US'H5\\2)F-%79C MN>&>;.4#%'OWH=^&A?U7)M-@3Y);D@[&9W%&1:3GJ8LF/$C8-Z*#6-[FJU+077E!9*!8PD(AI2I@0!RC M%TA1'`;AQ3*5KQD;%7?2S_F=,>D7,3._4YT003\EI1K&"DC6W=?S))Z3'-XN MBD$UX;XR.[THC5F02N9E24*&+Q56O32Z93*[EN+/3/U6W#.C/R6["<*07>=I M&=<,H0R7Q!0G-C/!![<$E_3M/R`8) M-2C+YE0]A8BYR&'!^'R>\$#RD"H0^2RF5R=4PU!\XWG9O31.Y.M2?V'UERI& MT2R296%A97J#:E!R%'F&R4D2S^Y;D6J4A3[S@\F$WI5?HRJLCN98M?>J:O2+ M%$MK!R1$U\+CF9L_7-(+U>(J$Z9JD:)]9O3$;VO/)0O/ M$S'G!$MZYTSAE)%9J([TC,^Y;>BI?O!N7DB8#2;4I5#7?LK23Y.1 MYV6S+#?;)P7%BYA:2DS)GL$W49R.>Z6@M7*8SSN_CCVRQ^?TPZ!W<3H>GWE^A`8N,M:1C]&Y)OST'QPV=HJ<>E6S2@FMC&9L:K-R"ZG/Y M-9&R;[C6YW74-:L'%VWBD?=97//VR#[*/U.?UUM^WAY[I.CDL(I"\BR-EU\4 M_?#\FYO`3Z=T-1EBL8N?>MHAGTMQMOSC7A_GKMSE.>:['KKS8%1C@VGJO#!O MC[K=5\]V_M=''XL;G3W?-ZQ).9M>OTYGJQMKDN*A^=&=AMEG5=R!V4<2W'-S M+PB2/#R^OER,PJYN1$C=@E_IHJED[R(UBON5)S04Z3@6D*<->:NB'^(PC(=L MN7&XKGHLCI9=RP^J:_F^U+6\*/=0OY1[J)]6/=0=PG];[&;>4VL<.)!:?%)7 MG^5#9.^1EOJI:)@XDS0LV.;L35!Q0,`-4!M/U#3=BA) MVZ%68?:0^CK:Q:3+>M"T-(.PBEC+?"+D&P_"(@@?)R=Y\%<*+Z/'!D*6S\'6 MA5F#S&\6F/>Z_ZD&R3J-V!Q5AYRQP\H-A4-:(%P0+@B79N'J]:K?<@[I@G0U MPG#5Z95:!%)>^?%#_[_2P5B3[/C!MZVE=QRL/2BEIOL0!VLE@I,Z<;8VUI:PPR:;UHC?/= M*HMHM?U\-WVQ>IRX#FV$-D(;FZ.-Q[W3OCG&;.W9EY#.YD\FF&4X#5D3]&P2 M7=MW^L6;"C\+1?Z#C?UU]L2[;R,$1QWU2$_LEJJ1I/V3V0[5+BY784+0\[>Q+WV(6Z MSUVHW9?N0CW=]^Y'NR;;+9VZ[%]%2^AY84WF]\WJVI3%J-_V#:&YE[VS8<>Q M&#;>`&M[Q-K&.V]J(G;UW*F)[6%/;%3.T^Y`$O5+HBF[X@T"VRO@3#_.(&H0 M-8A:#40-ZY0>W1&0J!1^/P9JGXYK[JJ&>[1G'9AMC+&:*XE`'!"WWQX?$`?$ M0>,,6%[0TO-0/T6"BGTRB;.$%5)R+X_8LV[5U5;PM:X7A>(S1 M`-V,<+4M.-UIV:@92H@H6VH[5;H.SK'!V MH>[#T5_5,6!;CT,/$_PX8#Z+TXXU&&IS0(]:I2V>"8%%$PQGB"]SM/DRO1L) MS1!H;2-"<`[^;'5;=V!U3JOG'?P9N-4^?U9])MTV^#-,%5[$LYE(U+'SY0.9 MJW!K-?->SK!O=;L=Q`,1#T0\,+^M@W@@)L^0F':38,/0&MK:4K_!=;2&$4UU M';W[F5;@.C"5M,MP)9)IDGDJYQ-B;T\0SG+L`4)O)D:0VN2R&AEZ0^0-,TGU M&#8]&5@N/`M)&F::-L)I*7G!ZQ5@:9S1^Q M*UGGS;V#'NZ>TI^G^4..G>*`'GK0EEJH+1=@4Z*#W<[&:9ZW.T9J"Y.UQ=L9%>4^FY38F7;GX6[IZ'A4/'ZO:U;>#",>H(M59BGSHA;UH"U>\:.A>NCYH:-?P]N.&.,!<09+N:G/:3I`[&:2JRZ2WGKPYK8URL$`]C,&R0:I/P;)0%R-$7=(G1_JRP8* MG0?K:L2ZNNL\DIR/0FH,'GF"3>*DZ.&'L92BFN4*SV3=J9OP=ZWN0-]P+C0SYU,16A?S*)DQ/)MSKT^06XSMJYSIYE.\[A#0;7"2&#ZWSAB/27-#]2\Z'K2W_G M%S%/A.&BZF^/[*/\,]796WY^H-Q7P4Q(]E'H',5V#GEJ+^!)15K?);/[_[%UI M;]O&%OW<`OT/`^,%SP%DAYM(R5D`V;*!`&W2.BX>^G%,C2PV$JERR=)?_V9( MRTLDV5J&Y`QYOEFV*%.7]YR[S%W6W_CK)^[&G:=%^;-9U/7R#Y+L6X@;V$MT MY=G^]Z$_S49<3>=DLVQ*4S;ZF/)O>!;- MYC&;L#`)OC#^Q:(9^S5*DJM'G\5%'PIQ7K+QVX.A99C=/YR_KH8')!B]/;B@ M?GKDG9T/3R]L8W!F].Q>WQE<#(:.X3G#@6N>F3WSX-T/C^LIS*^#_(9/^^\L M28/Q]^)70I*S>E<3T=HFNMRX^$G^&!.2L%3TNZ43XD]H>,-_$X2$ M49^_YF+F=I[_GVA,Z/TS()%X"/F?[YX".12M)IY-6YXJJ4?LN;Z?@% MY#OW'!+"^'<;D26UV^7K_$9C?W*/7MOL$/&8I7QV/N1#RB?Q6UK>^KC+!ST] MJ&TW5EFKJTNL_5`QQ>N'_R2,XAF=/O(IS$=,+\VR_G#GA>WLN\=6KV^X5O?% MPM'FM#NE\X2=+'Y8DL%JFWQ/U_9*9V<#FYK?T]N#KO5B2W-^>Z%9]76V+C>* M+UCK%]SMA*>$SCD%#WJ*5^+=)T'*/]PO?O.UX,?K:#JZS<`(XYI.HBSA]F6; MOG+%SVS5"9&?W2I7O4(^K80^MZ@LEJB&2THW2)<]F36N0Z7WE?MOY-9MD[89 M&V``&)Y0NCR`)(\B2%*$D%!`*"#8>%T0C;*?+1-N'UA*LC!F_,/_92-R0[GG M=YLDB4*2,#_C%P9BG.@7&DQ%@"R_/$@=.2M'4=(IO#5GO_H?[1XZ'<_M52:0 M-@\^`06!@D!!RY?94CM043P"EJF?95K51-_P'OE#LV,XBHYRUD#/-O:?-.E5 M+G'H[C-U!2)B1F:N&FM03DVT^FBMKBZZ*=9!;@"]J=1::R5`;"`V$)MV8?FS M31^8_P3N`G>!NU0,V>&4;1ZZ;]9?)*-$NS(&;W<]N=-S;$]F.;FW9SFYX^A2 MC*Q-U?2NUQFZW.BNUVG3N:"VBJ)>'O7RRH8\7\*[8/VH5L#"MAT!=3"%]BX=P[=&NC6T)*B4"K=WE)I MLV.XTKJ#42H-E@'+@&66+\L5IF>95OE0`]>`:\`U[>6:PVZG9UN5"03]IZ`@ M4!`H""WP:.&J('[STZ$+R%EOT6" M7K[G9)2TDV&]:)K,78`:H+8.:IY9TN8P0`U0`]0>G7!8IE<5UMJ2?`2>REU> M6R->2LC5-P45J/#8==!(L;GDMN@#Z<>:TX_5KF?4H"U1C]V-.O3)=MT*._QK MU+CZC1'8$>P(=M2+'8(\09X@ MSS(*DD">E8VU>F8#^/:;N]=M`4^2;#9/@RA,_DS8:-MMW\;`.S>&5O_LU!UV MO8%UX3CGQ;;OKCT<>/TJMWWGS[;45=^?^+\)QAP8_%+^[3,:!W1*Z+T(2<9E M**:KC%C*XED0ZF15_,! M9S,:WP1A<9,T2Z/%+PJVRW]3S$`S#4/>]+/^GL//W)TG4F$DE9XWJDE-K7+> M>ZT5-,_(\FEWI_R1"=NLM82J0=7V4S7LLX:J5:1J&Q]GHSAH;7%0&&8\/DKH ME,;?12E0S&BR/-EEAT\6ER79?(V,N:A>+\4?]Y_BSM,?4'-H%H$\_\B[IZI: M1E2'=%.5[?ZH]5"+1I2S;X`FH`EH`IJ`9MN@J4F>JSS'^_S;G/EIWC4NO@"+ M9R1F:1:'HH.<)@E+:YWZK@CN/KP:R))"4Y"C'DCTLEU``]``-#0`#;UCPY`M M!@W[\%\@";JO"(=!XO.OF)*8INRN/F3&:)+%3"Q](-%X41U"HFM^"S0O)5$R MG%($G1)M%<:)J@-"O:P;@`5@`5@`UD;`LH\]>3TL#9P+N8NCN5DAM;2B3[(. M-:LTW(V$?#C1U]6.1]7@6T>]1/GY^*A+17F[I4`GTHXS?_Q#%\>+8D; MV$MTY<'F:L((75EE480;04+"*"5T/I_R+R2`0).\^CRO2>=_'MOV7%C]@7MQT3T]MT]-=^@-O-ZIL>BY,,Z&Y\WJN1`J7C0?B%Z* M@LW%`89HI$@G=\K\WX3XA:Q%>+T<3W<>_CG7_N(<)%?]<9:W820I3;/B-W0F M8O:$Q,R/;L+@WR)J/Z,QYP9RP48LIE/Q+_GC$T=H^?RC<1#2T!<=(>*#\MB> M?]B*56>[B*&<[@ZTP,I7'9HW<)BTL5B+^&*UR_NT<[>KZE8H9ATPKXRPFDN6T+@&.8O[9KQ. MEVA.A-@B"W#->)"6#UR(QOETA3H]&S6$)6V0CCX'+9AB#@]>_W(V\,"^7]GJ M.):TD:M-80`$5NO4Y;V(?UF2\AM(TEV\V&>;Z$LK:M#>OJ)22!V$*6>16P
!#](?JKP-9HAHI#TY5^S*=AC6FYN\<5 M(&`HQ%&*HI?U[34$#PJ3MBE18.))=FH+5466==+=^=509$2P6.R/^ MQ8(]L"18$BR)0]_M52Y_]40/R)@&,?E"IQD3CN:#+N=26D':6'^OGJ(I)Q_H M#V+F'2SIQ3KN$J&S4KT=)1_$J>/<[>&[-=@]PS&L,FRD%K>#:UK--5;'L#9> M&M=ZEFES&'=?NSM]L)?C@IVR MG/%?Q<%UMNTZ@=;5$B)*1)2HI'5J"L#LKK3%[8T'5NL#H])[3#0##R(A1$*( MA);Z/^0U?Z#'0WT?3MOFCZ:X<(B1$",I:;>:`C#1T"AOYR@:&ML<0CU92Z-- M&PKJJ)<%B'+I[=1@,'`8&`P91E,]PS%CWRW6);FS>7NPVO5 ML@6EA*B,X*");=9$1+. MYJN4BV&OSC MW23-Y$K\DRLND=-IY']^]\O//[U9\4'1;#X-:.BS_P7IY)+=9%.:1O'W,SH/ M4CJ]9/]D05Q4_?T9\H=T2L//7-UOWYC_F\5_X,\F%`_@DHW?'@PMP^S^X?QU M-3P@P>CMP07UTR/WW+9M8^`:=G\X<'I&?W!F.X;G\!<7YL`T#M[]\#P?/INK M8,82\H%])9?1C*ZG[@>73X.0'2T2DI;QXO4#_?@[2])@_+WX5<"_6IB>.#W) M290$^>C3:)S_7HA8U)\L*=8N=_`; MC?W)O66RS0X13T;*9Q,:CN3?\/WPGX11/*/31P;$%.^Y^^!"4WPVG=Z^Y^V!<9"_YI3G+UYO#XVOP2B= M\!_Y=[QE6LZB4SI/V,GBAZ4O?W]3#X/B^V+#_LIS@0WBZOQF^#7]%\\2^V/; ML[BPXNM(\2C^ M70YD2^ZS\)E8S2TG19"_6IJ?.TA)'DZ0M5&$WI48RND>Y+,A-MUZ>W;+A]Y5 MP&)BDE\9_W[TAD&'H$/;CS^/9K,H)(4J08.@0;NRT&60?#XZI0D;D=LT,;0) MVK2]-D4B^[V[,FGB59:WX")_]XD06>"OD?'A?\2ZBW0290D-1\G&G<'JB5%= MH#Y;H%]"7+A]G7ZUD>(LRD)IQ6)0MBVF/+1/V2[%.31T#<2F';'5($!ME1'$ M!^(#\36$^*!L(#80&XA-`5T#L8'8U"0V=":N:UZX+U-?%%%+B\C4$9]RP)9. M?-C9M^6)37WM0J[7L1SLI@#-U-T16=H0X_JP91K'O8U+Z=HXS_B%DMK3)MA) MM>ZMZC-N>!MQ17Y!*QJ$P5YP&C9W&KK')I8@P&E0&'9("2`E@)0`:`;6'=8= MUKUIL(-U;[1U]YR.9_=@W4$SL.[2K;M[[)4/K398]S:W@.67_1:$P2R;W4`1,D@J,\R.\?R-@NWP?X" M*NVU'4;'<*25KQ^SW8=&`+5BT$B8B MN&A_@$F#2:O6I!F=KBGM6`XF#=A20'"*F+0^&OI@T>I&7>LLFMWOF(8%BP9L MP:+)/W=$$UN;FMA^1-RD&&YL]OCGJ(T^R&JW:?`ER$TW64&O2O`NH5?0*_`5 M]$H5O0)?0:_`5]`KQ64%OH)>@:^@5[K("GRU?0+P54JOIVS5^RL[#W@@LFD0 MLJ.%G"SC1?V'%4_=W*8G*P\^XY'F&5P1\L\(0JX?Q>N'_R2,XAF=/E).4[SG M[H/S9T=\-IW>ON?M@7&0O^9JZ2]>KQ#353!C"?G`OI++:$:7#C.^!J-T]\5B'P)'V)3.$W:R^&%)!O?W%J]$IK42-1LDI_-[XB;#?/$L7SUF MA=L+*[_.T.1&>YK<)QZ$(O>)!R'E_VEZ"E>[EP?Y;.H%&S7LPU5J^^T@);_1 MV)\0V^P0RS`W7AX!;`*;I6+3K7=&1OG0NPI83$SR*^/?C]XPZ!!T:%<=N@R2 MST>G-&$CX3(;+`7R/CP_^0("3I M),H2&HZ2EP!J]8_J_7S9U&&_0.U]&VT3]DN:1I$T#40&XA-8V4# ML8'80&P@ML8I&XAM/V+#M,YU_867[":;TC2*OR^VO\G"KT+B4P[8THEOK;!O MF2$O,UJB!3544(F%N67(2?J(1K?C.N5W2U>@,AA2T%CV:N*0`M,XKF"+];*6 ME"5EGMMQK/+' MTL-I`'LI(CA%@&<9QV;YDT;;X#2TN;(SO^RW(`QFV6QQK$-B]D\6Q&S&<$1; MQQ%MR:76LHFHZW4\3]JJM;;8<@"B9!#4.7H?"U)E!NV`2F-MA]/OV#UI7BQL M1VL`T53;8=HP'C`>,!XP'C`>,!XP'@IF_A3*PIQW`0HP%;L&CR"Z91MBD]>;M^B\VJG]^\RI*C&TKG)Y_\"1ME M4_9Q?!;-YM.`AC[[7Y!.[D==W`X)O;ROB$S^#$K_P)F%?\#'\?O0CV;LBGX[_S9G8<).6F6T=O/OAJ3U\!,_L@%GUT)_=@/-PFXTC>\_1U81QD2R$2*(Q"7(Q MDI1^(ZP0)!E',4GY&[]S*D\(X[CN;+B&8TO@G"XB9IED:+7Q34EO^FV%=D&H:\146FO>>B M(L?9<8N(96,OBX[[7.J[SL.^&D7F7S\>?RW+RT.4@%F*3XRW$YXA5`VJ5HVJ M;;Q#":H&5=M/U>P=,@$HXWITV?OE"/GPND@VO'PZVD1ZLV*(5RA$'02GC+"@ M<=`X:!PT3K;@VIQ/^5%D3_YTEL4Q=S?)$;E@W`O&^K\&=L*H.KU+GV/EXO'W M+-.2]OS;4IX!'@`/-(8'#FWIR6`-BTBP>13<`&Y8:E1PI`WJ;(IO@-2QO/#L M4TI3AH2+2O7HSYP;-:5>W938?K6KR)K"B``F@"D/F+:\+A(`$\`$,*7U+,N; MV=]V8+;^).4/KVD(QTHWMVR7M]]()K^/TTR7@IY_7[SZJ MXK8P9`E+RV%9=,NA^`']F>C/K"E5>4:3"8E",F+S*`E2'BFF$Y)DUTDP"F@< ML%KG6ZDAHA;V$#@=5U[I4%.RL>K1@EI<"@9H%@.X8`!$3!NJR_OP"TM2,3E; MY*5V]!]:MX'!=3NN(6W67N-+<#5"FG*6N7W8LCJV*6U/;N.QU?I`^&/*_T3H MSHF^?7M.-(-75Y[9>D8P34&8>F#2UTAI!A9/FAUJ"A@023W=9K6U':J^U';M MTY!V+*U!0N=9R3ZKLT])N`1!2J&#(/7,8OQ(CHO&!&?_9$'ZO0P510T=HA)4;>K%D`TA MPORRTRCFM\'O#.69;2S.,NV.8VR\.*\M9PKJ$8!:K`D*``4TG`(0.JW3EX'O M\V^8)F1.O^>3)]((99J;8JUC2?6P>MGB=O*E33@=7ZJ+Y_Q*05:SZC3-CF=4MC:C*4A3#U3Z6BKM\&+9J-9$6+6ANA35FKN9).FP M0<'1)FJG>3V1Z7;L;OE.Z&5/D5I2L@*>@6]4J.41R&_K#R?XF$M8R'7GF5ZKPG;N:H1:Q$7O>N=/C8C M(HI2((IJW8%?U^QT;9SY-<\P#R`GGIUZ#>!O*2O+COV85[SZWJ$U/>+SAU?4IIRL24UJWW M]9V:IYYI&L-!MW]^9KO6J>,M]O6=&^8I]O4IM*_/M/9PFQEW#W$[66KQYL!A]"U?9: M(`A5@ZKMIVH;-S"C3&!CL>8;W42PGY"+.)J1CW,6TY3?.AGX:?!EY\8I3*C! M3"3%.!,:!XV#QFE5NM<0TYM?]H&);6=^-&/D@'4T9"'FB(`$/\5OSLBQ3?6"3WHKOD'KU+[IT@\D6N M15G!0>.@<=`X]06W?W;/U-P<_RHL[F'14O12E+6$]_F^:%SZ]-R2:ZVDA\%F MQS*E-?8A$$8@W&BP2"^R`5*`E$8BI=-UI0V,:@-82LROZ.[1O0_]F-&$"6>. M%@L11):%!5_RYIX\HX*E"!L"4UIB\UF)-!FM".PKL'F-P9RTA3_`'#`'S&WF M@`)S=7FEC74^HWR3"4T2EB)WF+XVIK07#(;+HR`T"*9L@1=K4 MHC8`!7G!YUVSPQ$K?GKY($6(G:D[B-3VRH^;VN+L(1\!8-U=YECE)]X!+`"K M=<"R^]CQC6S>GBYC5,6*8LV`Y7C2^N.:@A\D+=J+!GG53$`#T*`Y&NP>;`/R M=)MJRT?A775$'T8I@4Q+UI_)RQ]@\QGR"^7G%UH"2WFU?8`E8`E8RH(E<*E. MUE!S__7#8G;'/(Z^!&('P?5WLA9$+[8Q M>OQSU$&W9C.=E!*B,H*#)D(3U1`<-+'-FMCF!%7^ZMEE4A=!2$.Q[;CD95+U M:&+M$%9,T923#_0'^@/]49I$(5B1T`JO,8L_LX_)/(_ MEU:Y#F0U!4"(X8$*H`*H`"H6%2NVM`+.G2I2U/`J5"@ZT=TS^SU+)F08?!-(4"99\`*``*@`*@`*B&`&US(5=^ MV5VGX6US(1G?%6ZAMU!GY**[">D>X!%X!!Z!1]7Q*#%WBV[#^A*_#7"%@]73 M>H6'7`K(&Q*:2AR>T?2(4R.H:6P\90I15:LI<53&.G'!:P4B@<@M-O)9BBZ! M;;T'VR1'->^UI>&H2-RR?[+@"YTRL7_L+K%AOB;7["8(0W[_ND2G=<[:[[BN MO*4NS\BF+783YK'->.HZP!/P!#Q)PI/G5388L2EX0J9S/P>2A:/MO,*,K$K=Z\#C1H3%_L^A/]4)MEG=;KBP+$$;\,KR7O?1II(EJG%G\IY+^!' M\&/#LAO@1_`C^!'\J#L_EI6M`C^N#\I?I93+9>7[5_S\YE66'-U0.C_YY$_8 M*)NRC^.S*.3$E;"1"&C%\-%/*4W9C$>R5^*CK[@<3J>1__G=+S__].:)R]^' M?C1C:R[FP@Z%1"_9^.W!T#+,[A_.7U?#`Q*,WAY<4#\]RGV>`^0^$=X+-`$Y:+[^23@-.N[-W@.G')-Y[,1\9B8YU1Y9\);F3[*]? M4K83.W$2V4W)%'4&C8'E4+)4JG.*52Q6M3H=NV,XW>YY9]!UC(XSZ#OGW8%I M-CX\>4&KPA[Z$Y:0+^R67$83^C(+KYP>^"$[6A;#M8R#T[PO?.4::VQI<*!F MU_"%0.;'JS\21O&$!FMP-\68APMG;Y*X+`@68\X:1B,[YFKJ+H^W?_I;WTO' M_"-_Q@4ZN.8'=)JPD^6'9P__>%.K09]'Q%@;XW@YXD;9S9PUVMV#-\&XSA>+ M$\T=SRO[]\H^#\\GX_-ZA%J&``G1A`6J`$\`?\ M`?^JP;_9:DO;"JT+`R!.]Y*Z?$WYGQ8NQ"Z.*TK$+J+&\LH/U+TR;(5PJ9P= M!RZ?XK*TX@+`)7`)7.;%I5W:IFKM<2DA'&Y4>Q([C$2CH.(FL17#EMFT;&EF M3Q>4(`A46SPXN?-Y``:`07,PF,U6KPT$#[XIKID1\_R^#[=3<7.O6)RZ)'E M`G<;>570.&AP$:@(:JHZ"<$,G(JRQ4-LET16?5=-ID&T3UCY)J%;.2G MQ?39U62IUFQW"O<@=<%?A:!673.E#;`Z%H`%8`%8TH'5+;X9F"[`JGT([FI, M8S:.`H_%RR@`X?SNADL,8Y74RKD5')01!@,/=<%A>40K@$#@$#E^(9-H%]1ZL M*0X1!WUYFT=6HODPB)+D-W+-1E',EG6;4WJWVV[*NGB,=EL>3'7W&"N$M@K; M2$V`==BUI6VN>E,FCTJRK5#VQMJ_`75`G734M=O(^BTQ`*K%Q)'/$:L6!-TC MPN8\U+5,2]Z\Z0T)Z0(X];!588,%5`%50!50!52I,SE4R!4KL6C;E\7+ECYLT"]G7T,0H]L:3@S5<9KE*:L@D+TZ&X$!+X3R(W+\_ M_/+S3^\WG!PSST__X,XD2RY9P$_UAM&%']+0Y1I\R5SF?Q?723[.XIA?M!]Z M7Z+0G1^L_P)_'Z$0^B4;G34&EF&V_G3^&@X:Q/?.&A?438_:@U[KO#NP;.>3 MY?1[3FO`_0JCXPSZK0OK_,)H?'CR#E??Q]"?L(1\8;?D,IK0EVEZY?3`#]G1 M>.Y%FY9Q#^X1_CD8D MY7^GXL]N29>NUR6Y]I[(Z)_;RTRBX7 M.WE5XW.^"I>)\KEY7NB:;1-[(E9?H#A>_9DPBBR8TXJ[/-Y>%2%_,QN2`^X MBTF,K"DQ'%NHVNNJ5MHV!J@B5/%U5SNLT+;OX(@VUB-=5B-"4L[0@+Y#7]H(RC6:O*V]_ M/=@+[`7V`GN5Q5Z]9M' M9M/J2LOF0DX6(M0Z@\5IMAQI32_^NH".CI4F[#E&F_L,-('>A5UZKI M`RW+!+0`+4!+_K;97A?`0IQOJZGB_3+(M]@)`(?L]-!N&O),5!T<,O5P4UUC M5#6P.!:BXH`*H)++KMB6M,Y\=0`+`GTYTGU9Z!61Z(N=_]CY7Q`1.DVG4U"' M4NS]1P!)VD0$_`A^K/Y6"O`C^!'\"'[4AQ\E[]8`0>;TP244CY)7_^F%"E,# M=KUUH:B>T:B69JDW`@+IX^FF3>W6&@63MWK'M.N2ERBP*N`?F6$I2]M M0N.@<="X?0E.@D=L5-;\9J==_../76GM"\8@/"80A,5T`QH!C0#F@'-@&9` M,_J6/WI*,8ND:-DI\<6N^>UG:4\E44&KH%70*FB5\J)"HF#N1,%+FC(RI;XG MT@-%3J#(#T1>X+YY3R%E5$YPT#AH'#1.?<$A+W#7O$!=2R<:QQUI]1Z>O_/* M9$81C%9V/E1MINK0LL8Y[Q;== MKP,VX:678-^`.J`.J`/J@+KJS4/WCSAE5CFQ("QM\0-:!:V"5D&K5!`5DE=R M)Z]\IG?^9#99=$@75:T>ZA@_K7Q%PWLRX1<9([]%!6I42%^5$QPT#AH'C5-? M<,AO0=VKNE>\0-VK:CJ&>S-4U]P2!E$RF#=DP6L;M.2MX-6EXB6^@[AWDT.*$`7"K"M9M=J@0)``:"` MNE*`V6S92!DL,8!7<<672)M`>@GV32/4H:,?4`?4E8HZ^UA> MR>!:HVYE'OHNI=NT'V2QO_1I-KF4[9M^Y.&_W+"7Y7BT)^PA'QAM^0RFM"7P;QR>N"'[&BQ"FM:QL'IRHO\]RQ)_=']_"L_ MY/20GCBREVJYW`C74.:*@B,CPNY\_J/A#4G99!K%-+XGGL__'#,1\R3IF*;D MQO_.2.PGC*012?B=^B,.!?[3_(34C\+L0M[BO9"4_P#-W@RAH;?^??#XH@B- M&?%#-YAY_(]^2**4W_3#F2EYIH:[/.UG&KOC1U[4?8/ZOF`%4FQ M+"A+=7XHAI_X*;^\^T(:R:^"9--Q-$LX+>\4#7ES]70.Y(7`S.D=2:+`]\A_ M&=E_)2VBOL:KTG-SQ)0"(6[YS@A4;9.JY5Y10G;=2][-TGT@8AX\=R"0+8?< M)74%!XW;17`_/B4T*TYT?>&>BL2EK)1H$-&0_X_S'8J?U;'LB=EL=U'U!!/R MO>_\`0/LJ_QAT^Y(2[/1A0$*]).J/G]X<)2RJ8,;)6G2)"%+=YFZUF5I\=!L M6Z7Y1!5<6OP-#B,6].7/;7NH1@&_.*^V?(E"ZKKQC`9SR^:+N"U+"K%K%0-2 M6UH.J"YP@8=87S!(V[ZC"QC@++VH+-]FL3NF"2/3B*ABGHBGVO"0KA, MKX4E,'>#4Z20E=(%5XXT\Z4]KN`3?6$IB:8LIIGA$LN$Q*5Q?#^*XEL:>Y@- MGIJ=IMW#C!#N$=RC!2!:31,KRG"1MK`QMV1"X[_%[@ZQ%<2-F>?#-7IUQ=8R M.IC%P3M2QTCI`RVS(RUO7WMHP4$:L&G,7)^*W8Z8_)WV.M+LDBX8@2M46S1T MNM*2?G1!`_R@%[7E<^8#D>\TF+&5-2(2A>0?%U=93@)*5;T6V):W,*O]Q`T^ M$7RB_&:L57SNJB[`@D?TOV',^(7_+TL03Q)AONAWZ@>BHLC1*(J/$AJP@JLO M5@Q@CH/\.GA-\)J6.Q)[!O``ORFOOGP5Y<$*F;^]44I$E_E=SY&WF+2KR'3! M*1RK,ARKF@"S)2^:7GM@5KX4W(\JTS!*:4`V5#G:!T)W$>SBFEFQRF<7W.>2 ML=,T2K2@N:508;"JATM]C:5V4)17.1]0+-3QK+A!73.E*X7&436P!/I31EB5 MM1O0.%0-W(+M?@_=:,+(*(XFA(Y&G.MHRA"M/FUWL-LW)WN^8=VIL**Q%9LS6W;3[DC#:%T,).R@OH!PFD9/VB9<70`!7_$E??DG M#6;9!ESRT-JDD-ED+6:+,W?'[_;I8SK:#D/XM.@^2RH M'WHKJ]-#/[_&)QJ'7$&3;RR^&M.8G=/$=_EU!GXP M2\6E5Z_!!1\*Z5ZRT5EC(%K+_^G\-1PTB.^=-2ZHFQZ=6Z9AV"VS=6ZW.ZWV M^7GO8]4:?W0__\H/.3VG)TZ7(U"F0@S'HG^MF&IR*9+LE9*8<3FY?L`? M)N5_9@L1DT-1B."WQS($)(VX1"<3/EE-A.S'4<`1P,>%LXFH=1W%?'#H91>9 M=UOG$<;%YY)EV[R*ISS1VQX\VS7Z^PK_+55_/_9DPBBP/_N\]YTT/! M];2(-`M=8*4>@I0S_$`%4`%4[(R*(H+L>J'F+0GI@BJL)VRQGO!6\EHT*G2- MH9@49GB\>1)T-7>)9:Y2["S+6OC,%>)6Y>8W8$>P8^470GY8F%@I`756F3K5 MT+IJL*,B!"ASQ61G<>DR`ZS(JHER%)8[A;2<%%'EY`/]@?Y`?VJC/\5-C>H> M4WZJ>J>8Q20E1&<-!$:*(:@H,FUED3*^*3%C?G^==+-4;$^FZR M5F3D(=O`/)U7%ME%4S7+6[*;[5Z[:;>D-?[4)=BC'H;4]:NTQ(3I`!/`!##Q MB(E6LVVAM8!F,9/B9F:?1B/F9O6-L^)M_G=&/E]^6TS,BH!4J2VK]MGCHY6[ MZD1A7:ET@6^%D%I=6U<78+:,#H`)8`*8J@'3;'8Z\II\U!V:B#GN%G--S[M%=A M-U6=)`9D@B`G21DA0A.AB6H($9J([+@?G`IFG=$V-LU:#5F5-D_\X;!Q#7:= M%B<2V7Z&<6R6YV+HXD6HQS[*>?7@&'#,0P4/X]@J*-OE%;EL5:E##>615HP# M!`0"`@&M3G*ZF.34+%1:',0&K_0QKHQ+A@I!^E0(*M6)TSXUJD($PC M'BO7491;ZU$-=4,Y1Y`<2$YIDBO5&=5^LK;BI;[+>@UO'+_A\_MWL^3HAM+I MR94[9MXL8%]'GQ8.W3<67PD'+EMYZX?>PN$;BNL/N3#.@\C]^\,O/__T?L,U MLAV3_G?V>]:^8$CO+FG*+ID;A:X?^#3UHW#]0ESZH1#Q)1N=-0:68;;^=/X: M#AK$]\X:%]1-CSKMBXYI7PP,^]/YP!GTS?-/IF-T^*>VT3(Z@\:')V]L5?I# M?$2\H7=DLMH0E^FSY73`S]D1\L58,LX.'VJ`=FQ'W(V3D\=0Y#5;:_`'7'UB<;SZ(V$43VBP9DE,,>;APO->YBX+@L68LX;1R(XY M>;K+X^TA>.M[Z?BDUSMN&SV[TSI8TCIGY8!.$W:R_/!,!(^WMAJA>\RH-3>F M?>0(\F6W=-:PNP=O&HIU<[4XT=SQO+)_3_?[U/WYJG*?NC]?.?=9D50PY1S6 MA]MMJ]V:SN5FF<5R?*WLZ'9NV:^CP%N4W>"S:UG.%Q0+BK6J6-*:>$&QH%BK MBI4[)%X1^UA0/&E^*(:?B([@OON"1'\E?LC]_6B6T!V[@;^9RU^`4CX7N:RM MB\7K<'\2S;B`08_2Z7$?O8:KK(G?6"Q^!*HH7Q5!BB!%-301I`A25$0508H@ M134T$:18*"DB6_ZE?)>KE*:S-(KO-RW3BR7\,&'D$J%;.2G>]T!A7[C>72R MXNW$+4=>JOP>]67_F5<5(C?EK')Y@JL")&WGN'A,[I3470'B?]2_`R45L$[( M16IW,?,*17CJT&HIRE-JZ`HVG^R;@(JK]8_9@:JHPP1`'?QA`J#U!,"VY?4& MTGUC%C@&-AXV?G\VOO*Y@#+6'1BAH4>"R%U;=6B2D&4]+9<+$F(E8K$`L846 MYEY:*S@'5388G>?;%&O>'U8]V%3+9%78,K6.I6W6!QIJ@P9=3<.A*:T_5(5G M8RC3"KOQ9IK!,6910`/LQL*EZ`$,``-,PQP,QT"#C&"50A'DXN::_\/"+$1U M/4O\D"4)<6/F%1.FTJ51_*$MKZFTAK%D9&GLVW;IN()SZ!S+:QT-U`%UQ6YV M@JD#Z``ZF+K=_#=IE9Z0!01@P9K!FL&:J0*ZVEFS0_M87LN5.J.N]@EW`W\T M8C$+728*[(G*^CL5U]-LZ>O0;+;:TG*(Z@`D]3!3+2M596-D698\[PI@`5CT MMBP&+`O``LN20T=,IW4LK?)_7:)SP(.RQD.6.+J6:4G3%^"B-KC0U4X`%4C2 MVUII_DF#V;PS95^TK:2ARXHP,;JL\W3D[3#%`JHZ^*J6C=)Q+<>>BQ%)&"/IYSO@N`#S7V'*8THL!Q-(8,=740N@]K9E"8@[OGQ62"FK M%640=5(C*" M.NJHCHV+C%Z;]EE?'_/6+33Z$1&1]IQ'1(2(:#]+VI:TFC@B(JBCENK8N(C( MEKG^&@'1X;6BI6FVGU+*K??LYY_Y^Y>?LN3TCM+I^6=WS+PL8!]'5Z.1Z#-Z MS][FDU,W]-LGFK)/S(U"UP_\O.?HC?B2&VZ"81"Y?_WZC[__[9?5&UU3/Q8G M(+%!DK`T&83>.Y_>\END/DO>,YID,?,^AOS.61SSYS2DB9\\O3-_"*&P]"G-R:;5,YX_VGS>7)\3WWIQ<4S<][?2Z?;/?NAIV'6?0-YVAW1FT6]WVY:!C M70TO!B>_?O?@EI_"C3]A"?G`OI)/T82N%Z*ERP,_9*=CEF/.M%JO?OX>"/EK M/^2ZEIZW>QQR,M7M9LS(*!)G27%[D?Q1DVG,$M$.PR"W#^3^\<2IL<]B&KOC M!X/0W/XD'=.4T)B1R\8>47\4(OXB2>/XTR*UX'/Q:$HW("A#W&?Q[ M,9P%NFW3(.*)2KDWH:$G9Y1\2*O;MO:YD9&/Z='H?N@&F<>-[H?\348NH@E7 MEX?_3OA?8:Y#G&4>^9SR_\O;FPB[7_LAY:RC@?B0Y^)?D`2^91;>%'^<..P]]R#SB,2MB`J%*4F1`I+7[]@]"XB)O04*%!@(W@W!G_G7^"-N M)WZK?),X^7B;L/@^STG>AM-L`5@+@`5@M0(L^1)&Z]!J`ZU`Z]'16NQP6`3% M2L-=C6:WU,T,O(_B]([>,2)X[XOR&,F'N$N\*YWNF.??!GX5G_%3<)049NLK MHF?:>61(&"0,$@8)@X1!PAHE89;9@G1!NB!=D"Y(5T.EJ\F3P?EE;\-[5AP` M1A*Q5C%?3:JBGJO`:(W4]YKY/^`'^`%^@!_@1T/[*)P[-"L>-PWNJ1^(Q0*G MHR@^36C`SE6@KLS467LXHLY0QKH+(`Z(`^*`.""N&8@[O`16]5ANOA#L5."" M>4N%,"4Q71-!ADP4^`%^@!_@1UO[`#_'J819O6I'3[^))Q7F,X@?\EXI-""/ M2^L'21*Y19.;?:#8E+.MRUQ-69>I>V3*$K2^*01S#,?J@EJ@%J@%WP6"@6`5 M(AA\UR[4DK"BL^()V37S6,R3L-_%67CO(AHNTK&+*)Y&L;)TK&+$4N"YZL(B MU,L:RPJS93@]'+T*0H`0Y8Z#XI" M,*=K]!SU+77!+7"K<=R"\P+!0#`X+UVXA7Y7Q>F\_F/G=S6YUY/S.U=/$*@8 MR51XL0T6J@OA4"($J]8M6N@8MMD!H4`H$`IN"JP"J[1D%=P49L.D9F`W44H# M0E?.D%`]'[8!>5(K(MN?'U=[%]GL,_90S*Q:,5-7ZIHMTS!M:9N.04O0\LB! M<"-H*V^A&!PM&`U&'Y_1N2/N.:"UMGET^916DBWGK[ZR?$"W4>`]29^3A.TT M=[D#!FV.)B_*>&Y^4,VJ!'Q*-^X/I5NT9`-*%,/G+:B\PO",+1NAA/J)GG9Q M##0.&E>&QLDNQ4#?H&_0-^B;+OIF2>RE`FV#MD';H&VZ:)N(W>R^HNI=4_6M M(E6Z[T5O7(##[/#['%T`'X>NYQ&D6MD*N`*N@"O@JBJV`JZ`*SV.Y0;8`#:( M&'"ED:V`*^`*N`*N*F&KB@9=^@#,='9:8VJ5O7W296'*8I45Z&OJQ^1?-,@8 M><]HDL4L[T-":$K>T]@=$]LTB-4RVP;YDO`?4C-HJILMR3]][J?\YNZZ^1/B MAR0=1UE"0V^O;8:;!%+%[M]5@R_-*JPR1"NT_Y%%*?/(/V/?98FP_L!-_7LF MH/X7XZ@?13%YRR4J-Z4X#4^\^?H=NV+2QX[[M\B"0?HK3M0GNMME+;6O-0F\E;6+4)8=NFJ4=9,Z5L M"T_=&ZM62'BTN'`AI]Z+E6HGQ#7S%$!/\`/\`/\`#\:V@=MT]?&38.5ANGG*E!79HZK M/1Q1$"AC0AR(`^*`."`.B&L&XG`(Z7R%SJG`!?.6"F%*8KHF@@R9*/`#_``_ MP(^V]@%^CE,)LWK5CIY^$T\JS&<0/]#4CT(:D,:)Y6H))(GW\4.VK`2BTH="VO4MK&6W;!+?`+7`+S@L$`\$J1#`X M+TP3[028O'DV"ADH[Z&\A_(>6`%6@!4;6='N@PP@`\@`,J!?SFY@^7+V^8PL M;14:W+'0?3BPYV!33>RDX6+%F7FR#A>I".)0(P:HUK.H;CL0U"^`3^-1L/L%+ M@54:L*IBK)'JA>K"!\QEK<5+<48Z73D!0O5LU@8EEEK/6#JQ?H/FU][#K;7K M]C:JL`Z@%*E!&-H(:O?Z1MNTP&JP&JRN#ZOEK1(#H\%H,/KXC!9^NE-:U;;9 MK&[R^=3YJZ\L']!M%'A/DN\D83O-6^Z`09NCR8LRGMD?5`8N`9_2C?M#Z18M MV8`2M?!Y"RJO3SQCRT8HH7ZBIUT8`XV#QI6A<2H+-9`WR!OD#?)V1'FSS3:T M#=H&;8.VU4[;>.C6M:1U[86\?5>C^RD5"T*>_?PS?__R4Y:SCZ)KZ\;]HD+%!7N$:A-X[G][Z0;ZJY#VC218S[V/X2:PTB3DBAS3QDQOQ MK3?<1,,@O7S]]C(7_LAU_7TO"V:=$D"2_%2?/S<3_GWN8L[/8')/A@4=C_] M\">ALR=""N8RCU!./=$DV>>/(69)2F*:\G^_?2`QFU`_Y!@@4W[?R"-I1"8T M%2N0'@A-B92!O:>Q.UZXM&?6R>US5T)C1FA"1E'`O?"&8]9U>/;["\66HW>9 M>+[;X/^)LV_QG[C\F\7KY:\)HWA"@R?NS!2?>;QQ+EC$94$P^\R;D]9)_IJK ML3M_O3MS)S2^\\-BD#1+H_D;1;R6O_/5]](Q_S0WQ,Q/Z=ME?N.]U5E4&"HMB M"G$Y"'[BLM8HK M;=$QQ%DXE]U#:0=@.JJJ`K0 M4A=9Q6S6BZ%^%P485/LJZM`TLIQVD-N^36)-3E;##`YF<*#IT/0:0PZ:#DW' M#,96:4V/T-`C=,1O?$AOA2TNG%_6D1K"[&_.1G09AD#"EQ_3 ME_=M^'+MH0I?#E^^GR4="[Z\HB<&[-77?]TA`7[(+^#X_<1<4!`I^4,G(LR#PCX M=Y:D_NA!;9_XFS&;=;;GAB1^0BA)LLF$Q@\D&A$.%UJ8DP3\>27J6O4;Y-G6 M,OO<.Y_ZEG*G9UN1[G.CLQ?9]A(>ML#0$T>J;9-]!1WT>P3S\C4D4\L!W*=J]%4>5O7S4T[X`+M'$I9H54[YZ"N9Q\::7X9H<..:7_19' M23++Y>/'LHD2H8.>'1](>K%//_3H91^%(9M9<=WZ&#(^[--1E,6D^/0Q28G^ M?SLN5SW>7)%M=#I;YTR-WSR'B%PCUP^5J8S*6(;=6CUM&BJC*@NK>CCS/@M2 M?^ULM<8U5K&,7@F=_^I"/62%)?BHNE"K:[0L%%R0"FV+EV&6^"%+]EJA5+.X MK]>15D.H"S^0!366#?T^:@+(@;;/@<(DXUD00C.TDT3N4S'/5!>"80JHO+S' MZE7;8=U$*0U6-MA)`Y"2W=?89+UJP(KOI>X9=E_:1I;-6ZF;L&,:.2NT"]I5 M1KAE&8[3AWCIV^YAYPX-ZUH]9&D6L_=^Z$^RR2<6\M#IG_1APO](KJ/XXY3% M-.5?\X[1A.W<\Z%G7MN#R\N!)5H]M+O=KG/=+7H^.+W!U:!=IYX/Q4OQ\?GN MX?Q.N>&(F$?VT]RJJPT+#O0-CW\53R\A/+=A,0]ZA0RQ>$*B^4,D0?X4\VUY M+FX['A5Q)E@TR)/V M4U?EK7E;>I65/>H5[R4SH?&='Q:#I%D:S=\H MLJ/\'07M9DS[P'XS3A]M7#2YKE65@>K]`_>;D"R_A4MBUWE#JX MHF8-)H`))8#MLYAT?*;-M@Y$>!NZT627G84@`HBP+]@^L%1MM*?/TEW%I\'+ M6^"EC\FTH[)TJ4/_GQT7>Q]Q)9+A.#WE]JC+&B.H#%0&*K.[+;!_"UH#K8'6 M(*+1366JUU=>19K906%(?F&H9ET=N*[(*T?413[`A\;R04%,#U:`%15G!;R$ MK"!3H_Q6!+5T,IRVM#UGM\V!0"]1".1L$`\%T(!A\E_+PNG91 MM+2:/P2GQMFY:>-\$O`!?$`-%ZP`*^`E4,.5$WW*:^:GC\FJ*SCUR8-;MH4\ M&-0"M2H0^H)@(!@(!M^%&NY>@+GA_\+H*-WI*"3-[%-=V:F8NMB&W9%V6&== M1`1\:"P?4,D%*\`*>(D&5'*U8P\,I\1P2@Y36OQMSD:4":H#:RU#;NOU`U:?3 MU56:WHK'Q'A2)S*[8S(7W9MW7*53KYF'NJ\=/[+82"L_:NW<@=IK3),+G/EE7\*8N=%=R-_T2!`E>Q4P:[:\'YM> M4`"34`"K&2ML['@!&4"&XK(V#F.0$4EIE,*I"[$^LS0-F%@%1MPQC>]V.2Z^ M<>T]4*A%H41+!U47@IF&V9/6A1+4`K5`K47A#<1"X6U+L%Q]FS(W91Z)69K% M(8E",@UH2&B2L%1)%4[%@IN:18H;+%07\AUJ!SBWQK+NMK^(Z@(*BJG8A=4E$A%5##7F7#MODHU\,-N>NRFKTZ:@"WUJ)E)BV6@DE#) M(\T*=.2=-01]A#Y"'Z&/]=''KK3U/A#';9/PP_LQO=@]:4W'I3\R&J=*[:_\E>WA]:=K6=?NJ;5W9]N5E^Z(]Z[]D#:X'O3+[ M+_T[2U)_]/"D;Y8O9K-+Q'L M26)GY":-$JBX9AQNV] M?#6_*!$[Y3W"@H1]%:?K%!U0^%7\?OPY"WL8Q7N,/S\_%)=%(\)!3._RA7#& MHB$7#0)"/0'.O$^:(4C%!R#ZI/%A"0",2-%0BM_=S>)8_,.3"T+FLB2A\4.. M'HXAZL?S419#YK<00UG^%?-V7PN@%06N9/'[9C:,YFW;^/\K]+XJ"7.? M.9O9Y);3&<`#\$H$WB7/R@K]1EP4R%A$8OV8;* M-%QEG#[:-4!EH#)0&94J8W7D+1V&RD!EH#)0F6NUT>_+.[@%O38TI)MV#KW!5+-`-5`-5%-/-=/8X412D`UD`]D. M\&MMM&NK1KLVL^()GNC7YN\]]WZ=*+T>UTE==6&M';`>7=,KQF M,TCI]-4O$0$I04J0<@=26HZ\R@U("5*"E%+"5WA*S!O*P-(GY@JVYRV9@HB& M^7G1#"=&IS]WY1VI5A>VZ$>,ZGJJJK%!WIP"V``V5)P-IF$ZTM:.@`_@0\7Y M8,M;$%T7-F`'Z=J9K"@\K=I,UE%]C=527X*K"^TJQ+#J>J?Z4,OI@%J@%JBE M@%KM%C;\@UJ@E@)JV7WL#%.:A]4VW5*X.ZQB+'K=,9RVM$6`35B6KB-M`@AD`5EJ3I:>M(-701:0I=YDZ5C2:G!-(`LFEM;WP!!S222EWY1V MP:A)&>&U*6_KXB:3U)F/%:)>=;U:;4CGJ-]W"-*!="#=DQA3_20O2`?2@73+ MI+/E-5=K,NDP?\72?%,2>5VL%?R1T#2-_=NL..@[C4@8\7$TS@*`OX#'KMD M*&%GS?K7F/+"4;2OT9"6%?:#]6*:*6^N>9-EZK)R`VP"F]:Q2=[N*[`);&HX MFPIC]2S3DH:FIK`*#0LW-"S,9^2^3]@N:,PM0X:4_W,\-H(]01ZE@?=31-114KJ"/4$>H(=:RT.KXV+47GJ.QCS)VFJ"N` M4ZPUV=925S0.^;@2,F7<`T6321229$QC]C_[3"/8"K;J;+!:;XO`W$P%)EU;,=Z];:XY_EO=B8'`Q&)P!5,!BP)$^XS,;N@-5O) MFNV_#X-LG3)/A,X2G-WD.6Y4ZD4PNB. M>6)`#?78E0CH4$4RG/J.C;V>4"\HBM0IS'N^^QV&+);P@8;^Y5'[I`U[09S+,L^ M9.R2#ILT)<[O=L5C.I!:)#@=*D9C/[P3XK]BEHAHI.X4B^A&$EZ3(6'L>IC= M2:%2_6^F473QQQ:A2XP)P.X=N^6Q>H(!(73:[EN9#-F#J3(TWPZE:L+_I?00 MZK@1_R9'Z8CQ$8$[(5-ZJ9M(M4U@0#893`POIQGEQVDT#F,13QXTOP_/'T4& M&9.(=6?"%:,K:JACV4W&)XTZ#4=D\3LZ0":2^N..1<)5^P94M][WFAO&F?7G M0+H.@'YN-1VZ=9C&U`8M5\PT9:BZ2D8>(SM&].2JO1-D:+D)66V^LMTZ%Z)> MNDBO8NIO@H]_UWC4#9[(.TVHWN&)^A^!574F]:F((@+`Y&$?]#ICR@0J&9":7-/A:Z.OGKMW1W,\*M-Q3,J<@351^W./YL][3 MX/YIN1^'ZI%]'L=R(.E,4Q]O$(7$>M=-1ZF?L5:IJ$OJ22HR^W.H4*'V@(PC M,50PN!%Y&E*"AK+*K"":A7TZ?L:C$^"":Y$UF]@@D[M,\,.(.BN9!2Q)*CV^ M$D,E^4H$']P*25W,TG&H@!R.%9`SD$C2\^PVV8!!W>OXXI1U[?9!TYK`(\_X M)KR1GHBSFY+CE/1-J;%RMF11,:(&Q"RDH23):>2;: M*A4B;Z3R,[F4QT?3"-N9JSR:R%GTB+//K+[/WB8( MHQ'W'PWX;77,PX7SSG>%[T^.>;]G[67?:<#OWG]_PE"7DH#+(&\EI)'3_0SX)R7ZYE5XRI*/)$)/]>33-\/DX%D?W'^:&XM-VS[X7 MG.:$LYY_W6M:KI3.?QU.OR8GVFN?UMGR_K9^W;8/B`?&`)E*P MSMMV\V_JZ".9T,7=_)?;W$==A;XW&4GFHXA\)!DWF/CFBG$R$Q:A:2=_05C, ML$U2S[G[3:T[9\O_36G$UK0:V207079M0?8Z8^J"V)A'3@`L`$LCL!XB,FLR[RIJEGP,P]IQMD'^`%^@!_@!_@QTS[`#_"SW>&W03F0BMNM]$G- MQ45\7R%TEX1$&J3E-C)D[V*[T=98@A/)UHP1&K-D&RI3DF@&2H#E=EPBNXL>X.FTX@O>#,+:H%:Y:06''A]'7B[T6TB\WNA MH=!*1CS%-Y55Y"4AS]4=>`%+8';HQ_=M(LL`^F+A:[>E[Y5@K4E9^]4O^[^KZA]9+9U!&+W.JN/04]^IJB%^ MR(.LM(J(B^!JR8(U^[VFK8MT=0B3FL>B\KJUDE&EC6+V8`/8,#G-;EAM;=L6 MP0?P`7P`'\"'RO!AOVEI>PE<'H*%6(6`N/H*9.DTVGUM/@=D`5FJ3)9NH]W4MFH'9`%9JDR67L-I M8S$HR`*RK.19G):V?)QU(`L6."S.U:G6-+"$?RLT6V=%8F[[W>*K9=2!CR6B M7GF]6F5(9^M+M@32@70@W4JA/G`.G`/GP#EP#IRK,.=ZX-RN`BQ5BJ/\%@8N M_1J%OD_->TC9V6"!2%3FAX1_*R;G0^52Z^HK-(3,N@92L,0NKVI,T[866V*9JBS7!9O`)K`);`*;"F?3UBJ95(5-J%:RI%I)MJ)D7Z6Y M?,UXDD3R*DWXE2]8$K)3'I&!V`FGHZ)Q@WT*W,-B`-@D`'IAJNZ["3=WFC+SL8I!,+8]>TU$<>!=2N^/Z%T%A$U);1*`Q8/.316MN-FP7LYU]B MO]*[&KABX`?X`7Z`'^#'4/L`/\#/VO;!JJR%0_`3'DMWESPL.+NT.4&'#6(* MAH0-K$-;6QJ^RB<51US4(&T"! M-,S9:Y-0QSITD"05M(/CA^/?G0(5'\.H@P)MOGBA[*'3,^FGB?!VJ3QF&$*; MP)1'1W2&0NL2C,#0`P)0(0'0%Z:$`$``(``E$P"M(<0Z3!B@#OH"@G6.^X$K MX`H\:;4\J;Z87!W482;T]B9+GO;D\4]\?O MQ[%(XN/DG,OH+^ZGTS.9RG]/7[Z*P?N],\>RVW^T_KX\VV/2>[]WSMWDX+3U MT3D[;IWW.]VSWK'3/NDX)RVKVSH[[C2/K?/NWH?O^F'6J)=R)&+VF[AE7\,1 M7RQ.,Z?[,A`'0Y&AQ':L5V]G^O7?:9S(P5W^DPQ([I*CKL*)3M&['`HV"'V2 M5+(A3-5+("ZX99'GBH1P#/3TM2,/LB!%!Z[NF,)7>(T'!%6 M[]BM3(8R8)_%C?!9,ZLJ0/^]H5[(.I(-I8AXY`[OZ*91]K\[FN7%3-#C>6P. M>>L\T:_J^E,M;]H-IGI:R[49#S2UDIHTGZYMG0L=/4O7%:'F"E4,XK&_ZA#2 M9J%G/8.\F=L\NH;UQ#5FVQ$HAON/M-%6QSQ<.`>D*WQ_2)XFX?T/N5YGO]Q*+QG2T62IR6Y/4F2?CV-Q=/_A[?3H=X77&5ECZ`+.JZ5.XK&7FIQHKWE>?\OWV_IY5ED:B@Y\\KQ. M2=H)@"XZK[N5&Y9DD_OW\]N)GW2><[[;CPN9N;G+*%L!5\`5<`5Y,W@TP&+!F& M:C=#XZKL_,>"*!CL>1])G^$H+/N7%M.:Z0$>#U'7B=+R@H\C0;^?>:DTOVQDG^8M].W^E31=Z@`2X!"X5 MRZ5/<9PJ)8_9&[9_(9+$%R.Z:8S%5\#?5K0\XD$\$%',DO#-_B`*1Z_OEV4` M@4#@%A#X,?`>C6BSA3ELX7H<@!`@U`_"TR$/KM62-O;<:-;G"?VXPG:^*VP&2/Y0TR9*=="#>E?TD:&AW?<.FK)5X'@S`ZN.#^2W*M M:Y<%)%`HS6+M%I*S;0T--?:LD)CZ2DP.F)YC.\53#5H#K8'6U%=K]I&.#NGH M(#^0'PQU,-2!UD!KJJLU+7V%YB$QD!A(#"0&PYG-M:8D2U\7K!VVNSM?.UR: M==9FV`JX`JZ`*^"J++8"KH`KX`JX*HNM@"O@RHS]D09%J8H+O_P:1LDUOQ;L M(0LE^ZJ:N-8&R;K487,ZVE:!5SX^4R*6&1<+KAVQ]MO%$POK24`ZD`YO'>#5 M0#`0#`0#P4I/,,>V0"P0"\32/Q]#L>>=5)R9:3[*7\RT?$?E+YHH?V'8>56O M+E#U#MQ.\00`=/EY*&-1BE>8>-V+903`UXR%BOC%EL^4<8"FZ[`0O_A**E63%I[E+9K%L'L"1JL]T(J--%]08C(WD5"X'6CEC[6TC#BV44(!U(A[4#\&H@ M&`@&@H%@I2<8JNF!6#N/39JX)&7C^5@7TS&#BS?\.XT3.;C3.53Q]:3KR9,) M+[K#V6LH^^?SN31H?7',^/KIPA\)+??%E\!#2/8YCD<3'R3F7 MT5_<3\4E/<>)'[K_?/CIQQ_>/7'FD$?BA,?".PU'8Q'$/)%A<)'0&5_&ZF-\ M[";R1B9WEPK.#YF6/9[3]:?U^>[3'IO=\[YVYR8)WTF\?V M>>]C]_R\X_2LEM6W6U:W=7;<;MJMYL>]#]]URZSUEI3V>(K].^_53\%`E3I1 M1F.1N.:1TC*ZB+)6F-N2\5BA50&8CLU`?$<8B)D(5(:N#>@S;4:6`F'J])KS MVY76N2J36>,'H:\H>*2#:G,))5!O9IUZ,]:F]6;:E2];L>V*.M4O!%+Y!RQ- M0\U^P)*NV=[Y_/.AN>T=I(DR*BF4&EKJFIH"6-/F=@`L)+8#L(H!ULII.^$? MD491-_XF<1MD^08OP(L9Z/XK^^&I,-N"X-566W=,_:2"V48V[N,W$;DR-K1U MOT?2W6DR4HA(;40$SA6\0`)Y.%Z!>>*KJC/&0ZRU56Z1%JK*2X=V!ZP$*\%*QG$RVFW M#^WB]_]!O:!>AABN#*SL8D@!4AI.2@PI,*1X>DC1;!]:Q6=XJX5ZE62->'&L M^R7B02*\78J6(;0J(+]455AB'B&J[\K!"K`"K``KP(K*L:+0@@/5RM`)5M2& M%?`58`58`5]1>U9@+>HBT-PO.-86KJIBMEGD2<=++&/&;2`8"`:"@6`@&`AF M+,%6WS9"E8AZMKGQS^JW#EKXZC"`<7B37FU!VH]E<.64\ M^`0^E2'7X"ZK!+E;\#7LP[[(!06'6K"TZ,$ MF"+PM*>^7(*P*KX?:VK-?KFN`:O"W1+1U#@O:0XU2Y%Z0DW^>CLW;RU24X#5 M8/5V6*TW%S5(#5*;-*%M$IB\,+WRQ:X9OF5?K3>9]=HV!:_!:T,,9XB_W4Y" M:U`+U(++?*'+U)JL&2Y3>\2Y2H'ER6YV3I!H,)YD06458-X:_JHZGVTV+$N? M?UW*XCJ0U3Q>EM?7%F"K,M@'^(&6KZ/E_6Y!J\V@Y>#BI@5SH>7`#[1\Y;B7 M4]1[)F@YN`@M?[E]9H(P;Q(5B7CR^)G/,T_BRT`<#/.RV[9CO7I;7*A$G1:G MXP7]1_WS=JXQTZMTQDEVD7W[=5ZIG*[T),?6:!C[,DYD&,1L$$:,^SX;TY&A M%[-Q)&)5XMQCD1CXPDUBQIE]0(<=V&WZC1XA%G2ST/V'Q6-?)NQV*-TAN^4Q M$X,!G2!O!`L#]L5-PBL1,:?;8(YEV\_W[.3SNS=I?'#-^?CHPAT*+_7%E\'% MD$?BA,?".PU'8Q'$7+7\0K5@\A#'ZJ8RN;M40+BDSCSQZ9\??OKQAW=K72[P MLJ_'8S*&*[/_?U4=%!_?\LA[^FY$UT#AZ*L8O-\[HP=N_]'Z^_)LCTGO_=XY M=Y.#7KOIV*VSUL=.Y_34ZEEG9\YIR^JVSH[;S6:S>[[WX3NB0!.BG]*2#(C#+;$6JNR6XD-Q/.!EZ$P&8J'4"+!;P.43UOQ*X_7LIMVKTG7=H*D?RL273.JZ7CA\<>>W)>?\WSUKW?VN=I*;DGA76?Z*M_I7'EP+-=M==9:X MU=;=UZ=@OT?2%;$NW<$*QRWL-TRQV!WCN>MQJ$B17?P=6/#S_E?WP M5.S2!)$_IL[DY(2,;-Q7,>(R4"%B(YOW60Y6'B5!=B`[D)URR,[#P-?(UF6C M<<@.!N,8C-<:GJ6!)+PBO*)97G%KF_6VL&IST\5H/^M^GU#R9;U]ZU![`E.L MV@5Q*D\0&`55/';NG.QP3'#AY!H%\LT$L7+=:E]+#3TAKO MJD'ZQOI!I*TUL%,#B."=9A'.K(K)<^U&KZ\OB0BH!6J5W7#%18:*>O,114H0['6XHMV\>0P5B_KVVQ`=@`-E1M,8ZML;XN<&.: M?8H-H'0/.\WRVJ;ZV($'A@<&&ZJFI!NGO#1GLW,!6=MUA05@1(1SMZYYNUFX M!/0!?64R'-`']!F!/NT#0>`/OA>^MX[H*XOA3%:_DM2"*)#`#\B[#!/N%S'M MW8Z)RD5/R-<2^:IK_=%FPT+]403.3>(B[`/[P#ZP#\8"VQ\+6`[&`A@+F,/% MNMOGQ;7(-ZQVO4YYZ@7%L/\,(D%]^1_A?0[C^$OP*;@1<3(201(O*6_=^KZ\ M=?^\V3MW.N>G;:=]>NST/[:;'R?EK=OM9JM3K?+6ET,QJ?Q,*&9Y^>18)%D] M]628U;).'VS+?#(N/5]6Z9K+B-UP/\VJ@<7"3>D6DOXI`_K_]R>Q<1C+K(8V M3TI0$5N5\?8%-3L9TK/8#AO14I&2V;5GZBF4[K0V+ M93O;KGI=FBK;>#X\G\'MQ//M\OFV5I^@2@/N6 MA@(PN=%ZF.)1.@V?25\LD#@9A='#!??'\ MBH]RIM`P3H2,,59UU1N(`^*`."`.B`/B@#@@#H@SR7!`W#J&J_-:BNRT7\,H MN>;7XD#!0G@SFS-V&2$SPS8_ZS:!^>F&,#R`!D("220#&!Q@? M0!P@#A@?K`QQK*5;A)<_#R\.V2]*D`*5C8L=7XO`O6,7Z[R2V$U%@AW6KMYO M:V/:4I/4V4,;Q$3C7'?M2&<[C7Y+6QG7A5:IBNL#M\"MU1U:QYK/T`B/!H\& MUA4Y9^LT6I8%CP9N@5OZ/5I'7Q9[>#2P#JQ;I7A$O]'$'*W8\&25HI!?$OH7 MD].B`)ODH'_4F#@=+S`CF>GM7+[WZ54ZXR1W('8ND72A%PY25F?];E,MEF`= MXS(+544(S.-\B7TI6`56@55@U;/30[O?VQ:=,$L$U6I,M7ZC5U1!0;@N\&DY MGTK&%YVN":X'5*DP5;2ZEJJX#JQY_'_VKJVI<:/;/B=5^0]=/IE*3I7(2+)\ M8X:I,@;F4!5@`DRJ\MA(;:P96?*G;@WQ]^M/2S;&8`.6:K`:K%78Z-;VG+A4MUU"=@Q0@CH/Q%6-\ MJZM9O=[.&8\X#E:#U2KCN&&5M,N-.`[&@_%I(=DQ-,O*;7ZUWG'\[?FZ1LF' MT&?#Y>H+%S_&75,BR`FB&X^I2WHH?S&2C6U4_&HEF4T+O&"5.@__HU6Q`_DI M07NV4-J4A;W*-/NQQFJU:%5!O"!>$*^23_*H:GB5`'=HE4'8(&Q%$K8LY[+0 M*H-X0;P@7J6,3(,/*G)DGCAP<]H M:(\>-+]I:,34#4O)O>.7)QZ3CRU&\ET,DXSE6:/9BS\&SSEVZRZ.PHTM`+",D/E[^&3\(Q]1[I+1&?,[BQC.?V\SSYN<<-/1&>SDOX2&3QEJ;H;)!:D/R,/(&O7>O2NAC,9]?:&QY M7=Z_E_=U>+]B/"?>#^^7W>^5I,!CX3J@B\?M%+M6SDKKY`U]IN3H;M8\N0D\ M9W:?/U?;6QCH`,Z4XVQ-^QTX`\Z4XRQ)(-YBM*/(X3.3,&A!C(*(RV[X5K5*FCO`Y"L&WS5*OSZ,TVPZB)%OJR`9<8)`JQ=HD&$% M;"?QF&8A:?!W/-`*%H`%"`D("2`#0@)"`EB`D("0`#(@)&P7$E`]=V.[]A\5 MS;VB'GLYXV-;+N5HW#*(4&&,55WU!N*`."`.B`/B@#@@#H@#XHID."!N&\/5 M.9PL",4MO65[,2R8DT$1NS(`\5D@>SH[5[V)S^R7LBO>XYO'S]X^H/ M\CD6)'_,Y-7]6^;;4W*5[3;T5=EFWM#:5EL5V;"3?#G(6+CH73O>-2U-[ZQ6 MEU,-K:I$/W`+W$K5OS35[=:!F`;>@7>;;/'5U0QU,S^(:>`6N+6(::;6:Z.? MAI@&WN7*NY:I&5UU&R15/:;5/E?Z0LBOB.O_8%S$HY'\+=7I'ST,CR;/F%&: MZ<-*)?B'N[0G8MXMFDFDO%'*9LK&K"\9N7^WU.4J(G)B&K+"5.EIK::A"B=5 MB7;@0VWY,#-&US1,96@!*\`*L`*L`"LJQ@IT,]#-`%70S4#JGVI)6>+.XE.R M3P:ACTKL<9IL0YEI0N`KA2N5^F/S'5MSCG2F9JG+['^S2;%3=_'%H;RA%8R7 ME[4,S5"8Q[BM26NQA358#5;G%L>;37697(CCB.-@?*$9W^QJ9K.[<\8CCH/5 M8+7"D6>MTU&VE!9Q''$[V56VQ<]6R4/%P`A6O.X@#:AD5+&T3D]97<>J9-:` M#[7E`TJ(@!5@!5@!5A0PA;IDK%'9#=G4-.BF@&HUI)K2;LQKMJE*Z,HP-\0H M^?#:K(K/:)X1,IYGA*"&3[6")E8,8D:GP#&X%GS/-7+7>\$@2`U2EW:\"-0& MM4%M4!O4!K5!;72]T?4&W\%W=+W+$<3?GJ]:C1'UK0;04^"N*1'D!-&-Q]3- M9.W,9+_F;B/U)LF@-'#'U',W#*;5:]VNR%^!2M"B+90\96$OY9L5M+1>)S_M MJD7#"N(%\8)XY=/PRFQ/!E4-KQ+@#JTR"!N$K4C"EN76$VB50;P@7A"O[%IE M+4UOH56&5AF$K=``@["E-%C/TDP=K;*L)B'?BWASZK7GK_G\\7W$]VXIG>Q? MV2/F1!Z[&'[U0R;?\[_,^3/@_,(_]7\P+L;,%_PZOO>U-,2A%]C?/_WR\T\? M5Z__FX9N?-ZI+U@HKSSV13(ON+A.&MJ/K7G)A@>-(U,W6G]9_UP?-8CK'#1. MJ"WVCHS.L=YI&L=6\ZC?L?0C0V]:>L4I&@>=PPN6+N$/)'GG+'W/WR/-G_N$D",F(\L0MKA])37GT#&(4 M!M'MB'`6_G#M^%M*QO1;D*R;"H:$3/T_A1B::L1G[.X<4(G8C//FY]ST-`; MR;'4"OO^.#T,[UQ'C.1'^8YSB9+RX]$)9_OW'U9>_N&AEC,-'NJ,&6M33C9( M5D@>YJ#1>_>J(#Z6YOEUQI;7=7+^O6VO:Y?D.;LE>';K?AJ->(,K/B*8N[: MKDD&\Q9C+0@S60!P]P#K;F>@[@9QY9+9P:T?#ZZ1S]3UR>_Q&-O_OB6RU-J< ML[4'E_'WG(B0^GS(PI`Y,&1*0PX>C2XF(WJP84H;7BV-LCX>G$W&16'5-U!\ M;7M\9E)8=".+'K$;09;FT,-[MPO>F._Q/%#1YQLK2BA]69D@>;CP1L\P18]:.D/=9N+-R?E9.C[A_&L]M#8+QV*TR0Y1; M[HS^ZXZC,6'S3BD1`?%DJ[:\YBM6WPD;O6[0USQER!G40$I6^_O/O4(E`%E0!E0!I0!94`94"83 MRAA-S=+5U5<`6\`6L`5L`5O`EI@M.M@"MH`M&U46!55`%5`%_7Q0!I0!94`9 M4&;GW1>TR39G2TFR]_/,F3@Z)L9>3R/)!V//,%.`:?$6KVW+D/':FQ($HJHP MJ,)>MW250T%P>.$=;EB:T56V40H<7GB'0]?KZ'70O&8.!\WA=7@=7H?7J^KU MCM9%3PW^KK>_L3(LW2AG&@!M3"2E]MQE)TGK8!XA$ZFM#$)ZR)0#1#"!#YR\ M&2?JZO\#'4`'T%$G="#&`"?`"7`"G``G^0Y!6JE&D(`0(`0(>=X`2,5=.TC= MS()A)2-2"W,]-?*VH6MP>)T"OVOE;RR7>O*>2+9--XYI94&DJLP4H&1'-D);%7P82BL1 M`"(5A`C2%H"33:6DF288`R*`""`"B"#:`">[&PP&.BJ(#J@(<+()3II:#[U? M(.05A"#6;&H`I-JN':)NS8O>MN?_3Y.K4M6Y'X7"6Q7V5-C;)E)OZ^5P)'#4 MT>N2YAT#>5IP.!Q>48=#U^OH]31;=<#7Y?8U&%Y'KW>T'E)O:^9O+)EZ\IY( MO4TWKIFF?EKM9@[:F%G*1&BK@@^CJ9DM)$,!(DAC`$[>+B5=97UT0`00`43J M!Q%$&^`$J;=`!U0$.,D>)RW-:/>`$"#D)81T,(2VJ0&0>KMVB#J-Q%1UK@>9 MEW7RMJ%K'0M5=>KC<"1LU-'KDN8]$WE9<#@<7E&'0]?KZ'4DT]?'UV!X';UN M:48/+*^7O]%N>_*>2+5--8YIIAG!J]U,0=M4MG2A\O,$=<2'8:JL/@"(5!`B M2%L`3C:4$C/5I"(@`H@`(H`(H@UP@E1;H`,J`ISD/@#9[6"`!`AY&2'*4L8J MCQ"DVJX=HD[36*GJ7(_"D>BJL*7"WE8[K@R'%][A2-BHH]?C`;T.,C;@<#B\ MH@Z'KM?1ZV!X?7P-AM?1ZTI'/N'O4O@;2U^?O"=2;3<>Q[P.!/54X>2YWM0L0]VF#R`ZB`ZB%Y'H1D=3N0$0B`ZB@^A%)'H3/73P M'#RO.L\M/Q?V2/F1!Z[&/Y-0S>^QZDO6,BX M./:%*US&KZ4!#KW`_O[IEY]_^OCT.GXQ'`2^S7P14N$&_L7PTN7?#Z?QOR?4 M%D&XN%X:VH^M>:):6 M:)CZNP]+SOX6<>$.I[,_N;XCWW#?ZDH6J@1`GY-@2%;&J&^0VXH9PX)?")&C(P#+DC(8L?++ZDWY2XG$Q8.@W`LSW)G M9]E1&,9G_">BH425EOPQE-`@-A7L-@BGY&8J\4]Y8@@OH#XG\D:4DV'@>9*D M^R]R(:4O-X#$H\BG2W,Y$?YFG.ADR+FT0EG^_'6DY+?A"_]MI,\@TR MFY.'.6A8YKM7=?6Q],\O-+:]SLK[!_.^KC0/BA?;5MO`7#3(@3@GB!L%XS$+;I1ZY9/*?8RYD2Q+@ M`_AR`9_/11C9<4<7D`/D0.NSED0<5%1I!_134WRTL M"V>XPA@+B`/B@#@@3K7AWCZF991W4"NY[`O=O-F712^C&%90-C6?W1NKGD/O M-353W1QZ52:[T9&&!-1&`HRNH34M%+N&!D`#ZJH!+4U'>3TH`!2@M@K0-C5+ MW=Z659&`#"MLEGW(X&K"DJGQ,^:GG*/+GSR#5&KW- M>95!I8O*T>L5&U6%91@3!*_`*_`*O`*OP"OP"KRJ)Z\RG`LK>2_L.A`TS3Q8 M"CAAL9!($4OV(Y.[%\7Z7R,Y$[6Z>V58' MS\!N9;,5<`5<`5?`55EL!5P!5\78&`-=U1RVGRO.UFG9[TMWX3/Y]'O#(`K) M4.D&L(`JH*H4JO&NG=&8A0!HD0"*O:Z`.""N:(W(A35?VR8V]SB1PVZPAY0S MAP0^^4*G8QF62-\6[@]73)5M!0N^%KV?MW/[`#_`#_`#_!2J6:"@857VE=Y? MI)^"<"P?;9=DS+BD0''R&-Z0IE"03`3#-+5V5UTJ0M6+2:`37*"@#YTICBY0)PY%EK`"M-XK0`VSK;7,SN[M68LEH"62 MQF(%&B@D%+(",T901Z@C1O\+9;C"&`N(JP/BEGK,[P65VK_V_*7/2V_BN3[; MNU]::^KO/CP5\^38]>5;BGVK.U&\]G8;==_PZ;]%7+C#*5[@Q1?H/6B_))Z4^YR M,IE-.C)'2\X)X\4E-A7L-@BGY&8J'45Y\L9>0'U.Y!64DV'@22[SE]>8I'3: M18ZIA] M?[S&[-?NF'%RSN[(93"F*UIVYSIB)#_*UYPW&*7@>G3"V?[]AQ7->'BHM2N; MC/9:?=U@##!YF(.&9;Y[-]*GG34F?<_F[S"&?0^HP9=4M,+:,L67, M9A3%<$`<$`?$%=]P6*_UA6[>[,NBEU$,*RC+;\KNC94G(K4UW52V\*PN24.( M-)"`RDB`T;6T;DN'!D`#H`$UU8!X3T,H`!0`"E!7!3!UK:VN`D55)`#5.)\% MS-6$)5/C9\Q/.4>Y>4T*E8-4%2M&@3IQ&`4&P>:7=33#1)E74`O40NP"P4"P M,A',T,Q>"]3*LD-6K7Y7=,,%]1T:.EG0JG3LL7K*"LU4A208N*PM']JR)V2" M#^`#^)!5]P6L`"M*S@I+Z_4PUZ.B:U&/N9ZC(+H1PRA-[='2]>-520R&RC!4 M5K#H!(J!8J`8*`:*@6*@&"A61HIAXN?/(-4:OGE!(*"04$@I9.(546A0(^@A]A#Y"'RNDCV9;ZS71@"SPB.3NQ?%^ ME\C.1/&^HYE6!\_`;F6S%7`%7`%7P%59;`5<`5<%W!BCGCW2C0%6PUWF+GPF MGWYO&$0A&6([5P`O+^#%.VI&8Q8";G4)I#NW#_`#_"AO?"V,ANU5E[97/:2< M.23PR1\@YN9-6J`4N^PM(P3,WHY;C$L@XK*8LG6\72>J@7U$O1 MK(^R/=:@7%`NC/ECS@CX*4@O\+V@4G[7GK_F\\?W$=^[I72R?V6/F!-YC%\, M!X$?+WH*J7`#_V(89[,?3N-_3Z@M@O!:"O&A%]C?/_WR\T\?%]>SVSB[_9)- M`ND5__:+%'I[.OMW<87THA_K^"4;'C2.3-UH_67]_KQP+)Z@U9K8.D=ZZC?.FJ;QX>-3T\?Z;.]^7:NIO_N049A)#E=6?LV-1A96>]'A.WCL[:/CA@_[+>+"'4YG?W)] M226Q;W4G:M<77X\8&01CR>8I&5%.'"98/(7('")&5!#J>208$E=P0F>+,UR) M(XE5^6PB$HS(5R9AXJ.87"28L)@<_BWA,P?^41V_K5&&39C]6`ODZ[A#*/S&:?>.P?6S.Q>"DUSXG)Z:!_?DWZ@\'%U_/KT_//Y,O%GZ>#T^,KE=S;.>:* MY()#RET>JT%,_[BS0H64B:'K4]]VJ2?O+_^0B/8D9%S^/XF2I9'"2FCY:Z[A MQ/5M+W*8E'04AZW%2R3/&E*?_W][[]K< MN)$DBG[>C=C_@-".C[LC*!G@F[WV1("O&>^VW=Y6ST[,IQL@693@!@$:!4@M M__J;F?5`@81$420E4JJ)<[PM"05D9>6K\HF:"O``"NV&.1/&8H=%(2@U0DH8 M&TB"Q_:BH"R![H]`BU,#,;(,4GUFE-P$%',;9M?./RXN+YPK%H.Y@10)1,"6 M^,I`:U58#K0>+L%P=][]S?=_>P^4]+-Z*SZ0/0:>&A!Y'%P)P0;R+V5_Y"$" ME27PEZ_,88"Y!3PM"##@/%\L!?T)"VH^9].,OB7L)`1RH=DN0.X02Z,PF(21 ML+`"S9,(F?IW"=A"W,)?"\CA&>`<^#Z],V4W+,XE;.S;DL43(&.I M,NX`OCO/LQSVBY=C>=;)P]M%:2D7W0)_L!ELDE=N'."[`_IW8C9EG`LQDR"IGXP.%TULX"B/$J MN))'F,4@AZ,#A"^"]"MH@Q+04X17**04R\,1&A3N$?N&["YI__=\=J4T&/Z"&YQG M9?BS;0`$J")Z829\&@QJ*V3V/4K)JSP*LB2MH2``+D"5?84D"+(W4U=*]BT@ MM8S\MDP3I/>:%$KHO0*"`OD5LEN^_H'[&0W(I^:$(%F72[A6(5_7*IA,"Q^D MSB]B'\1Y4KZO,LFUM><#B\%@5;0?#!)\JPDGPJI)6!8.('0 M,L`32F'`*PP46R[1OH3G8Y$X(4F8(G&`Z`3"`-%^%8)6%N:!87:#81.1_@;K M):=C)2DH#1[TQ`"/W(2<"$]*Q4\80@(*'@,QH&Y9623DI+%,R&XAR5&0SO.4 MY+[FUSM'6<_P*@`U`Q,'8+Z3!HQ\RDK<9W*##@)^+10B_@-%$P@NE`A'Z#5X M'0INK&SC'"ZLG`DY+?U[XA0PN`%Z:GK?T>@K-OZAIHW]&?`TV4!T/B==" MZ4=%A@.C4NJ:>1[/.,:#9X9EQJ\!AG/TSIK6F6!SN(-?A:A?0#?DJ;A!D(!( M&9B[L,EK4D1P$P+&+4(H^E_CB@^#,"FN5_0K5&UPGN_#;7I8S>M M<16`I(S/Z6(/&A$DC[BBR>N<<\T0)B$N%;2?0;:!CA:."F'NDC^@4+=T,JE\ M3%_<0'G.V`(Q*X$"+))8G.#=`$`(T/]=N35IQD;D(J'+8.G=ZH[X)TOQUH3V M@.$\N0E0Z!),'!0RGY,KO0)$<;*(;@7@*_*B'XUH_3F^`4JC([MD4\DVQP;Z MZY"I_T0'`PA4N+]RO-F'!>JY1CV)G!G#"R7Y-_"J&I+HJWX<10)V)94R#UA2 MF\3GP#OG/,!X5(HN08Q@5_+SR6#PY$G@LGS.TPBLXA`D()WSZE%*M9JF]/<, MM0GHWS\9^@5`.20QJ*1P7GBIT:T1."0JP;*FNR9`2`XJ\JC=H3%[C3J,7%,& M$9$33WRTDD`N[ZY@ON'9=@8I+F79R MA5QZLW.N7)01NV'1^5V(*G#!LNL$5!A>385%CAJ+O)W"EX>^S\C8TZG0Q\D3 M^,]SL&"R381=R*/:JN@KKZR09<(YD"^!4@H7)KI""AKG+$*?)QH4\!BG^V`@ MO'?HB`#:F(9+DJZ&*U$;72GZTFKR=B@\Z&PI6S.29X[><2<-TCFEO)!_3.823IR(S M.PI#%OD4%+/R3VO?-,C8$+\/X(@PF_`M,S@R,#8,XY4H\5KXPXUC1\,$"0OB%XF.?9/$0_=O13XR*BCI,699*;0&!)*[(@8)5`%F0SKC33^#_.._.QOYE_^R]UI0YE8O/ M`!()I'-`:WR>L07F%Z![`KD]CJ$`S3"A;,$'D0%01;F3&E<$8;$4Q$K0G("@-T'"`J_L@B=IP`M+M0^ M7^&T0(D`G+;IDXAS)^ MT70I&_83RC!"9*)3QI24ZO.F1*PB2$G`[Q#H]U94/M\&ACGYZ^9P?P$*NX-M M\'7L/^7%F/VXEQ<17>T+I.9>7D3AH4U"#"SU%"WU6Y8*]DMG)>^D\[<5]0#L MCDI@U8Q&D8GQ)6FT3(,B;<-@:C,"Z?`EF^*C2K_)1?(6:LW9YW%4?L24$^?O M>)5$!7\)9VLQ_UP;$,A')B&OTP(4+ZGH:W4<9&^5F4K3.Y55 MH'1\0+D"H#W_7GI=I#]J^)?(%92`%!`IN.@'2TL775,FH#8&39Q11A@)D/-D M/A=Y$6#,&GEL-6&%Z%"OAAVWNKY3X53C23JA$H$4[U1R5Z#/=>:#"FF`"B[% MA6(F76,J\%P`QQ&J4O*',J1GRME'KQ=&!J_RM&@HY^2I*%*=I',,K2#,CBA\ M:T4.FI!I291$-)MJ9/B$RV,`6#G6>4;6#2P]]7%I.;12:: M&>_0:90))7?)*%X-,/<0 M($:#$!9+-A!YG3&CC`-Q'095A$J/%@HMIJ[F]*OL;HF$[0#JN4BP`(+\`0.3 M1$T"?C)B5]%IO2_/JJX^PSF&-U1P=V10OR:]E&HLKVJ+/`8#TO!Q`9='(@=I M&>4<_EQUXIKR#(*IN*&#MM`PLEEN4K.M;]3Q*:7`9P4)F#U7&<6W!%+ MD5,RX")/M""D9`);D0X!(IYE1>U3H742K M8W0@H&UTOQW<)JX_NJG1WE#%:D5PO'=%_Y$$*[S"_AL6D\K:H M+`K#L2KNZMKQ6=PB"POTG7A9MUYW_^OR_WS]D_=?[[7;PW3/ZBS:,F+TG9;B M40S%[PW6-$W3Y)9B*]_0>Z"9OWP#K^EK<;GR#;D-Y#.FQZY>@&N(LP7-172/*E`#PQLBD0\?>X=OQ9J:9<0,5D!/2IZ%$14'.9,T^Y[^XR`MQDF48`VCOC95%CC6YX3(0CJ+K1@GLDD,*M0=M01]B(OD.839Y M9'VC\SR*BM42)\H!^+33PH1Y\TL28."^J8P<"\RHHY/-`0J:U>2C-(:19+_I M`+>DL;?FBCB\M\8V:4W?=MK15US;A7PZI9]L(+,R"+*@9 MS0@DHJJB$X6I4'.FL@S=C#H5)58RHW4-'2J19@WM@8%AHX+2J+FEJ^S*74X! MH5HRD.ZKJN>7%IG*TZ6(/%D8LD">\MV+Y)XR>9C'=#)RZU4(7I*P*9OCM7>% MK5FIYX4Z-*YL(J0IP]"CP-DRP6*&$*D7NSI0U)@7S1((&"%'*":8Y+S(QM-\ M44D57]1US^SOH4K.M<<#;R*"S92@P?VMO*?<[T%0=M$H!+["87 M%853FJ+J2)+(?V'>H(@4"Y^0>+C$#974KU/51:,!`R.B`EHTUPBI])ZZ$\@F M%/+%=(1,%&F3B!)78Y0),ET/"S^4Y]B%KZTKEC[KSP M;M?D%[!`/$:7%GU#%8X7:8,$&&9E8JX^A9XEF8E*$N$5+I%-B4("*R1>VF"6 M[@!=O:H-*(O_Y]J`3E>A:E\6!S(K(5"W<5V06SA]-EB7RKC4UIQAMBFA+\4G MB6T0<"ML"M^_3A8)0H`R?)DD$8EOH2",'(WK$#VXF"(C7J&L%@J?&09)C,)) MY>%F#HMOPC2)4;9CI;=IZJ"`SG142'@5*'<=@5CU`ZT`9CK#R/K_ MWOYA;ZQY?(0M/&%3T,NR5?)/9^X9_K62;[`C,!XYGR"#M8+ M7>FPCN.6<$S96+J-`-43BA0D7DI!PK0FO,6)I"61LU2J790]LC$K:26#JV@? MHPN#JI*:Z/M%QBJFC!II5F:V^$T84!9E\G423+_JO'79PT=F8*ZF:!G-;R9W M8FBF2,3$6NHKFHE!#Z5&NR!8@9UP@BN=X6K6%^NJ8M'43>1B&460ZL4BPU3D MQY8!H19)-(TKQ#JM-8!D]BH7S8WE#[4RLC62=0>DN3J?>U\<1#RYY^T2B7@8 MI>*YRJ.@;M7E_%?5Y0G39T4#`T*%<7K40P]'26(-QTS62*C>=S79H?.^%P&# M`6D6;?:FE,@_(ZBIBV9MY7L"Q`7L+4\EGN!$.:9 M+*E5GS>R?`EELO.B`;?9<1,?.Y\&HG*2*BJ+SO/T8RYF1FJH>`%6S2Q&P-QG M*HP4*=ABVZI>.+K%$O!`=->*@JL2".O8#&ZH'F855:KEF2X<5(":,S"K9G2: M6$#:HP]N@MZ/S:H/G*T68+'SE*GRQ\J7*1&DJWXEHHRJ8<2P'+.(SK"0:G(57@67A]0Y.D]E@6C% M@UH@A+Q@AYIJ=J#JM%&(#I8,#$VEN-3V&'"Z/B@:W\Q69]Z MJ5PGMYB]7T.\S]B"(MY48X"U;*(L3+1W`/HPFBAX=36F26/)[,I&E7Q9:7*I M.0J0WW&:NTIE%U2RA)7DY88N5+=5I5)S MC,0L`D''0CF3TPN-C@,:)7P5)X224MV[QHI)6J0_M-#65%.1GVU49!F"9HHC M&(&T;'/@Y]M`7W*H6:!BF"*JK$;1>83]KMDL5`U.E+FAC]HL:#$*\S29J?)# M2H$753FBNX).>T\*`Q*;2VI#1LH'Y&?5/\EDQ%A6T^*(`#7_PFPM811FB9`# M=LY.0=[7!'-)\5D)DFPHKDRC51/U_KVH71>B%KFPU)+`IN!;)\-+.QF\A]LO M/+=OX1##+P=%L6XDFSDML=Y;S0*ACK`SO`R85<1&B2^5+>.08!HDHB0;"N[43VA(+XD=\ M_`.(*=CY/45PL@J>1!S^?^P^Z\:9$!3)M'%`_+;CYWR11OKBO58)LGH-_P2M1J;CW MF1CZ5P%I80_\'P%L&=PR^.,/NOGF&+SPH=14FZ::5/U+'`L_U]<0PW-8]#O2 MY@3<-.;SY^/V7S0PEL$M@S_^H%MOCL&EWD:6Y>BFEZ:Z[K4L>[T;CV+CCW+7 M9U[3<;1[7A?,J([DU*(OK*O^3.KXD$!P__1H#C+ MUY:O'W_0W=?/UU_H[AV"HL7TA2+M1HPEIZ0GS-U,BX0Z8_3X2D=?G=U`V38K M*Y^1Y\WO6H:W#/_X@^Z]$8;7+"Z\9SA<-HV%WI[J(76BUS#+0MV$/6)75FA'39&MCBLUZ(V*Z)6"&T!1K%H1%L>JU M*Z8]4(MPO)O+V@QS=,Z&CL9R',95'M)`!EV>H09!<6SB7F28/P!RN`*1,81J M97ZUG(9.7?0?A$4)4%J%J:4RJ9P<(BD3\[)H5KN<_DP%12J[WAC$)08H29AG M:IJT.5H,T29L,Q+&"@WB,^KM@1BK*-I.O.H&$P]!7S(L7(#VH>W<;WA4BHR' M]Z.^G!(PQ:LKD@Z?JO^WF%NEQ[^*6[-QC09`V#YJ9*'EEK34?UEY;KUES7+69IQS-=A@BJOWA` MC^P97(=L+L?(.9_F8"(SK'FF@CV#F>&,>\A,@Y:[P\.U3.9B-I0$-*DQQ(>":8!8T8[.I+!;CE@2!?AI^Y.0ND M-#H.)S.MCJ2E.FHQ*%@5:QFSZHIV`B3&CM*$ZAIV\B>>@2?.>Q< M)SEJ+1A<@2V/>ZV5-:.H61=D4@Q=W??0),NOCYU:K0YF;8HQ5KNHXZE)"J*) M-G+(O/274,I&BHY8`PQ?O!+JE<'2(&07[-[ MAOXJ+X00*5P-9BHRG1,<@[0ZRN[G=9EY):V9FK2;1<<#T.YK.,+^$?J[(3=@ MG.DN),)6>FN^M,,[+K\HE31$E?19JR3XS>;&Q<5*/.EQ/%\,XB[2GZ MMU"\U(9C@LU!%LE,2%K5P8&&OV)U?B("D8I9BYX?I3HD_),:5"O'GU'\%`1X M0L)H$\,O])VIC*F*`9!2'E`4)^;&"]>L@QKP]"P76L1PV6!WE&!)P9(_ M=6\,_01"`SQ/G2=D-P/*R33?(GV-H(]@;\L@`D@_B7BRDX#94S]B1.\5XW M'!AU5R&&L>[SQ^F4V=4%TR!-Z>9'T$E$/7"CK4)5;.H.X6HN;J1J.K"QZ35G M#EHQ+*4)RD%F?)L:8A0Z5M_F0TI+J"%+%#U'!,X0)"+*&_B@NC>8KOCA9\G# M8%X$(=H>9H(QM@#)N20A6":[[,AK!*NFC%Z!YORL.A(58\/_"30>Q$!>*@IX,LKGY+7G>C.ONNLV=4;E?OSK+_Y]E_LO^O74<4U\,G%P22$#5'^#HBE64!0OWPH:5*V+ MQ,O4>Z@_%W8\H'&FSN425B4H248Q)EY@)X._78[X>[-OD&S3I#O5B7'V>0KR M5UPLM+&BTBQNI%MPDF(G0CUDGK,-`(M^4:57!,:WC//#6^K=$O-@HKL29,M` M>1I)+6L30??],T:!FVT!R_8'*[74$Q<^V2J":PH`(JJ50@+:X`"\LVD$AMNL M=K_;T_R`:&*("W`/F`BGVMO%QO[5Q5ITM@,+B3K3R2%45&G1T1AWF>#%1XP6>!.6WN"6X+MG_#.`A`!%,)L2?*4 MOI%$X8S@UOT&$=JJ*PGU[=2CYHM,,?3X8W$FR88"@"_71;-#XP)B>!"TPT>W M)JVI3G\I\N,4C$"PR503F"(C@KJH%BW[?L]G5ZL.JI_CXD#U:&J)BUH)OP$U M?&"BW$1VG2KWAR@N>GJ>M+#+94T*'&-Q=&0@HL/NCJ'S>,K"&T50BAIP*P!< M27BEP?2KD%KTJFD4A&`TDETH^\XI=QHOH9&"8'#K@&--,8034+?68[/-7H$A M>2G:@(#1B#P$A'%L8+\.H8P<,0`9@WH2I?)J^`2#(>B)P#ZO>+,5]A`R,X64 M&3F/A9PC28DW2=$+2O9QL9>L_?-&*;T>C^=SR+\>&^BOAS]08WS/#;-9M4$P M."(0G:#EL0B5+RT/-A4^-C1DT$3$>AF14).'*90R>A<2:;J55A[ M\*\D_>H,PNS.T+O%OWP5I8SNI'T=R?3$]=Y,]WXZ*Z3!]WRUL4N(2>D<$SE" M%3$M:D\4@-]S^[`31MNON1@Y5E-MEH+(V19L'_5/]'7BIG&5,I1 MPZ%TL;"HU]Y/M2!@WE[CS::\2GY$>&>#Z31?R`[H,[QE*>\+A3CPFB0C#I5B M9?C0"NEMYGJS>5;*LL+6S'A"YWA:,I(L&K=3&$8/U2NTQ[ M/A7"1>W!TGL_:[RE.MU4TCK^;'XFQM;>DB.LYS`1$3C!VDY^2;67+V0?UC[3BKR^UTB5>]5/JECV-S MM1S!\M-9R_UNRT*]IRW]1=,.GC(^^:T2VO@^/6KIK&I=`\G, M4MFV:/M8:8]9$JO&%>=@"&+[$F7SS:FYJ$@,(!.2I0O1=1#0^@0R+-?TEIY_ MY8;DX7.`?\'R4A:+5$:L.`C5H(@P%EFLFO[%[4"60()<@:V>Z\@B5KW%G*DH MJ8Q2JWE#UENP?V^!"LW_'2>(4+LMBHA<9LET+SY$&PQ]K%]Q_/>/_?-?_T5^ M]]7Z9S&<"!NMBFCA@BTF+`4+9@E?@I-RBOB_#NMEA:\2!]-CJM.?5?.)"CE#ZA(&@.\T_FS)+2W(OR.T68N.(]H5G^!IM:(\FGB5LX M@<(KT_!J3MWU6GMYMQD7Q7Q$FI=Y34GN.HL/`ZW&V,2$V[C.`42S3I*Z9.E- M2+,#/^,C>\DW/REEJ@\^D6=.:Q@?TZN..S$<8+IM(8F-SI/#XY"P(4 MN0AVABRGC![CSV1&R)1PG3%_*VY]9]2:W.WY\1[%5S#A"M4EKQ"U(%9Q*`T\C@B(U6/]+5I14QN4D?=D+C(1- MN5Y1V'[+%'!`A@>UOD&*4$4#6*,8A#R(>%6G_O6A@^5\,E4&JV+)D4ZF)&N/ M!L>N85&6Q(ARC&*X;(QQX%*Y0Y$!:T31C%(4/9;(#!]70#K`$R_-J)773_.] M5!J#PIY2VA:B#T\0,3DD6);>E,IQBW]]QM3;7,7XQ)45:3M2Y9:X073\$"TC MGG4:#/97-V*$*3/U#.8%BB_4!U=+/,4W^_1)\JVAD]]K1^^RY:JKZ*118SQ#K]_4HZ#1=QZ@T,`^J M9I0<4,+M`N4F*((BB"VNTA1N#U4.C>X2\K/^O/9DO9NPF,W#[+VX.*)HHE(^ M`TZI.G`P;7!'DO2=R%S%?[^7(U=`>*8D(HJ%U7):WU^+`CA>JH`3;5I0>Q;V MJI%$3**P2$!.5<*E*%J#G<'U']/PA4`I#%U=UJBJ"/@U`TRAJKXGE4!N"=]I M?I^!ATK1V+(Z,Z67J99,=,S:C:=\8E:(5O))")4>2[@"V(^=32&"HDOSS9LN=3 M%)B+FX;(/&8Q*&FZA!-F'>>?HBF,R,FF,>'W(4Q5FH+5%E3648J&/'6KIG9203IJF+W(-(-]5;WZEHR`PA:*[LICD._TM'>'6A!2P:D8 M6+S*4=@%M<@T0YM%SC`-TVF^D//%5;F`F1+O"_)-I,%8/@%*KY>\"N>(7AO5 M.^",>K&HW6-U(V#CK.C!4GKKK1KQS&%G`>&.)DF+'8!4$T9G37:!6?T]K*3F MJTB7"V%,)%.@X0TV68F69/D-Y>)D9G\$^)3:H>I<<`7GF*G.""WW.[5-K$PB M2-0Y4Z%``6F"";5PAI'F]%CI` MRPZ8)")9HD^CN'CPM276_-F_^3,"RU5T[/D(-NE[E&>HK!=`19?H,3VV7;P. MDZ@/JGU*MP:!^TCCGMS4I0K+T6^79H&E:&TF<_8F:#W+J@1!(+_A[1"D>IQCQ$+<<,4J&3PH"@RKS80P(I#TIG`W MYBL*]8BJ2T4VR"UM?@?Y?DZACF62B?I5;!:+;\<"_?+#MZ(1"\>."N]$3RRA M5VHRE)$LA7P30APE(TNG(5U=,0U42==R/;Q"A=EFLNB@:'Y?-7015@`7Q6&S M]Y4(>G.<='CA]5NJ+"BT*Z38&B)#P'6`OSTG[K-?YT2+MNMP$E*$#GU&<#42 MEQ`IFN@DD/U`@"`KT:U!=\`7#9K1<9>G/`]$*^:U!BP#S"2A,QXRO)HYGU*2 M8?"LK+K(1)G#Y'>P[D62-MI,RMY5?Q'EWE>RU!(>H.IQ76I?](#4D)NUDI>, M.3_C5"W/.7?Z:MSVN?-9OY$^?)DO,0Q!W63.[P4=?P-_E7%7_.EC^$<.DKQ4 M)^+XB&!V@X.V20IR48HM3%4PXQ9.]_Q_X!88F16UEZ,!6H&?IEF"HKS>HZBC M6UNI$^DG6'8/NQV&8'6A0Q'@B!,L*)47&AVBO@9R0S>EJC6M\O'I9BD@XJD" M-1$]7+#\4CKJ2A`XUP%>-#BY/&?.2@?.(C),;5[4@2`PY,4U-)KPO18--^$F ME:?BHC<7>2#N]I>Q66\4$#GM4PE>R;+=I[2<6+RFTA+S78(SN8(?17@>AT2_-\ M<1B1ZL^P0+:/DXSZ7YC-&IANBT9^3HT)/4J.O913$TCTI]Z$T>*G7 M`I@YHHLJVC,&E&06H6614^<::KP@$S$DF&9/.GDMU0:F;-`'T,A!2:#*,YP^ M1)M+LZ`8=X[PHD%G>\,\7RJ.YHDK(DYJ@XVAS9HT]45&#K4>$.%R.3Y%G)B( M".F\<3#:N.JA0LYPS/@SV*/<.$2V0]3N5-%K1%G+%%'"AG3(%;+%%'<6@!3E M92P\^F:II8BT4P4HNT:104T!#<]*C2+BTDLKP@D8PRA:W]$0&%%MJ31LJ1N, M7"YIR,ZK,^735BPUO87X4[\`G)#S`'@HJ62 M]$YB>SFQ,!#6^"273>VQ=UX(8`;HWW3B`..?*RVLY.TWNTU(Q4ZQHYR(:F+_ MMZJ^6YR9'^.K??OF83\XQ5BB;2L&[2Y$@Z4VE;G6`B<%@."A: MFJ*\E-)?R,A(-N;W:D<,LH$"\2P<^H3+"XEI6:ELLEO M:0\XJH"QE>CABGD1E)/-BJVMHH.CPV-&6)5(-3^'3C\(B`X*XNY"^YJC(1^PS$+%%K7Y%6#DF&\M>YPZ1W*I& M!DSO&9[[)G!\V'$MZ@HDLQM#U132Z,Y7&"ZZ3Y_I[YB+3MOP7ZJ1-;J0I\R8 M^4`L'6/O8B70578*+E/ODX+B31[T09GI9Q#.8L8NL!5BW2]L^4MMR_\*=X!_ M@3[U9\DRVT\VN;WT/6H,2^S\=P"W>=#4===KU@IWAXS$^I?_@-.YH+^>N_#` MV6>=)HHZ<+M:U72"C(I>AV;908#LR]N*:BCQY>>H5_ M*2VGVF-2$"_WYI1A'/KS7+0LS4H#4HJ>NZ4VSF;*MDYTOV:12LN2:#.\6I5] MW:<*#2N]5J=E;$WN-G]<-_I4V7!I,I6##DPD%*.80)RBB16MC+Z>F_U*,6GA M=Z`&#K=C$K$._&^%IJC+L.[:+_+AR,$D(_$R!H@)1.%"A^>EOZ[\*,C_JS`F M#X1H1CP$8J4<"*\ERO74R-N9R"9`R1]`J6@>+W<=BBE&CQ M2@ANN\ZR%#K%-$C"6)&!+JHFUN3'4WC[D`6+-35C#`-_GK?>9P]$X7F6G,^Q MYVY%%W.3`A^F-S%$0`SW,1MCJXQ7'.'F7?0<^$2T48>K?__X0\[/KX)@^>$2 M1"W)GS@K---O<(Y3N,Q]`=';!QK_^M?_^/=_^U$O,<(J([J_@/IB0RT(]"J: MUP$_?&;SG\Z&B/O_;?[KR_#,"6<_G8V!B,[[7K_?'(\:GE\?]]QAH^?W>DVW MTQSZK=:HUQ^?_75%89CGLZ'S4U4WB1?N)_OET^!__O[IXW#T^?)[9_2___CY MR[]L8L>^];KX$1__0`4U4VEQ)S%VB=>9#118_(2IVY@%YNQ'Y'PR,A7`5O"` MFDLE[3R77EK4NJ%H?0GF`]@$B81D/W#4:PTP9AJ=_0@[H^;>S#>H4;&\**/: MRW?^XEZXWGX@?K>2^*O20"E>;V0@4J/"H$B+V\\^/'<_NRB2*(6N%*F1Y'4G M;<%F?']`U[V+EM(B>WEC=8]8]#2EQ>B\:BXPF*;W2(W'@]X$<61IJ8T=56!B/@>FIOWE\BH3B)HT^((1ISD MJ,>1%.E2DB:4)U7E994:B4CXU5@/=%-CHV3*]1?EHK@&6?,6KB+7NF)%EK_0 M*%T6XKH/SKOPO7E+T@$H/5-Q':$T6?)=N&&A&BM!='V,LTD[FH=F%NY!V%)?15P&4=0K\'P#\:JS838*Q9/]?B@_\XCR+=1$S)9;>X\RH`*Z40+-YI%,>\=`.0WI@<--J2\/);V3<`_YUW.1_%E% MZQH$V1IX3E,"Y0@3C%7@\J*P0(2?2?1^E57"2 M,?Z%LXB2O%$BT4@//`9R"AHIMU1A)CW%-+F=BRP4@?%A,IN=CU-$EC_%JGT? M3)PK/756-'4FWPGBJ:Q'8[@U25M.AJ"^A.@ET"*B`E?XW>9%ZSL:\%Z!%N6G M4"*`M-&Y0>)2"A/1!`P$[$UG>.$&+R6`:\@!XI,\6S@&_KX*'\9 MTSJJB'EEE+JQ%YJ&C#G%#)T,@(+J-@;"J2'[L]5$QL>"DI1$87].'1T6>HP2 MX`-+_C)1ZY)A&GH0B9,ONO.15:;`121QF=+!OJ$-*Q%5**A-S:7*12ZCGC4[""T(M:F=&^\F*'6F+3Q0V3]%5F.A*![L<3Z`W. M*`$=#U5L1*6H*=4,\=>&Y^X&\RI%VA,;XR=\FE+?QO_.8J:(HKUR2A#V7@&3VXQQJ[=*9S"[Z:*U/8$HW?1W"^4RN863=!DZ9W.[35:A-L2S$#)"0 MZ&]*A*948YG09LDMV)D`P&)OY-;H[!=!9DM;V(^<2:R#HQOV%,3B3K6?O>UY M:^6=?2'-C7;E3)CLF6Y[9ASI3&38R58A*WF$E#,M^M)0[A_<_:=%_YV$II,6 MZ!%&L8*`YNX65PP'C"2SA'$:8*\1G)!+>932<5LX$]>!Y#G..`J9**8-)CQ) M)[)W'74=8W@5H8NZ]F9*TZ8\.0P;`%^3K\Y8C*"8K4A4U+M6JNB7,$F'IMZ< M"ML*5+W1U*E#Y^84M0+Q(PA)43!5OYI^\I([-(HJ?"EJ*1GZ0"SC((SR=&UQ MIEH%JN6BSZ#9T"G-1'O#PGLENTC+ZH+@*X`L64X_M5^7J[6:-J7`BT[APBDO M,R!Y2?/IUDHK(:&CO][1U6$_,62XTQ[3G>!!Z6B\XS3FDAUBZ%AOQZEC7N^) M4\>\9U[7MG`>Q;J.A?,XUIT*H*_^()XZM_%U'L2)S&/#BKP'1U^"I.G<_8PLJ1M)5'A+;\YE*/N_*=+_WL2,BNM+`-=#TW3 M[3T-7[U[*T9R4>'>U9_#R2-]L;6//D64^&YS[*$*BE(4M# M6].0S$L7I&0IR%+04Z709TP2Z%.2P'UYI)::+#5MI";*E7DZ,9V(57F_6WE7 MC)8RO*MQ_.XO(G:8Y#R(9_R]9=3],VKC!>Z%&W#YTJSM4YC=$ML!O!"6V-9Z M"&&"HJ4U*]A.3K"]``)/EABMX+."SPJ^5R+X++%9P68%FQ5L1T!K5K!9P7:< M@NU)_LU),/UZE0))SS#),TD__.=TRMA\_EH[N1'0_ZCHZQ]R[X M[D7V<5#97YZ-J!X;L7D\*HCD]HB+=J=6;ZZGZ.\;(?LY^!H@8$SX:@@DH.AZ$]"^+U=@''0#UOB>WVJMVEW4_U3VM&_W%0W%&H_D/@ MZ43M@F<@&6LTO%KI]2J-!NRC8XT&:S0<+]M9EX!U"5B7@!4S5KM;[6ZU^VMC M.ZO=7[5V[S1KG4;7:GB4IIV%TO,*HCHH^5YC7X3R5G2Y98@#,\'+:>;FA;NW:_=;T+^65=ZN[G!K M;G-O:2M6=[P9AGB]NJ-E=8?5'59W/$)WM&N=>L?J#LL05G>(6+J]=UC=877' M8VBDT:JU&VVK.RQ#6-U!R[I6=VRE.VQ9[7TH''W#>6/[HJ4C0MG1R:+'U\@? M+/S]S,Z1>JW9VEO389M.8GGK"!!W)`9`VY:/VES1E^:ZMZ?1.C6OU[,:S?*6 MU6@'Z(C0MN4/5J59E?:\*LVMM;R]A>6L2K.\=02(.Q*5UK,%?5:CO337O3F- MUNC5/+=N-9KE+:O1]A]WM$5L;ZF(;97CKD5S8Z\+[SEN[K.X>EHW^`/@[=1P M9>GJ`-:EI2M+5U9>6;HZ%KJR\LK2E957EJZ.'%=67EFZLO+*TM6IX,K*J^T= M@#]DP21B5<\_6SS`0%D4QNQD<8`WV( MG\V/Q$FZ"*(2<7KXC'XQG9TS95$DG_GIS#VCGX$LI^KG"C1]"1>,.[^R6^=S ML@C6@AFWX2R[_M#K7#3;;J_1:7VGYB$`AT7!DK,/ZA]K."A@2RLYLU[)-8]P M3A-,H#*\[S;*J[)4D`N??9U[(H!V3P1.>Q!'`J<]B+U\[T2C<"]NY5G\/-8* M=E]@'NY13;_U,^>7()U>.PVOYM1=[]'#(RQO6MX\*&^V7[9'QN%9[TO(4L=S M/C+87W#%+`U9&GHJ#7T.^=?S?L#9S!GL=_BVI::W1$T)]BM_.C&=B$UPD/Q" M\1,^_0%1%D[OP?&[OSAA[&372,;?6T9]_J#)(:SZ[9W?SVOG+Y+J>EO^^+?(T+?T3'VW@7?OHK%= M:S.[%,TRQ7J>2PV'(]MUY96QGC09K-%BCP1H- MIRF]7J71T+EHV8[JUF@X8K:S1H,U&BJ7==JU9OWP;>FMT6"EUY$@[D@8K^Y> M>(?O-/H6C(:WG-E)RWX)XW"1+U18QTG9'WF8L@6S(=J7"-$>.-5ZWX*HU:EU M.GL;M?96=+EEB`,SP4NVWK<#4O=Y:;>L\FIU1[-7:W3W9L5:W?%F&.*UZ@ZO M896'51Y6>5CE896'51Y6>1RAY^^(O/"'0^'HVY1QOB]:.B*4'9TP>GSEQBN9 MD=:M=3MVZ*=E+1L3W+\!8)./;1[12W/=FU-H7J=6;[>M1K.\937:WGT\-C/6 M:K27YKHWI]'JG9K;M'[=>7O_%)NJ?__X0\[/KX)@^>$R M2Z9?KY-HQE(^^B,/L[M?DXP-0SZ-$IZG[`OLLA_!,W_]CW__MQ_O7_5;$H73 M._TTX"Y&!'UF\Y_.AG77:_UO\U]?AF=../OI;!Q,L_/N:.C[=6_0;=7=1L-M MN4V_WG0[S:'?&OO-QNCLKROX-I&W87I+U7$]>7;-EG*`?EQKP/);RN8L3=G, M">*9,T@6BR1VAN%-"!)HQIT'#_P%-O%TG?!(8'_/>1;.[TK#?YK['@OUY9HA MJH&%[YR0.\LTN0XG80:',$^3A;,,[H#]'?SK3)_$;8B]6S-X.$Q2)RT:O@1+ M6'\31,XR3WD>`#19XF3PA8RE"^XD<_IAP`+.Z(R'C(<\)C$\@%HK1G#Q*P`Y9B;C1S7D M%X7N<2X9!2'-WWW.DG03K#W0[#%)"3$%0Q"/TIO"R[#C)G M0OV,X5770&[P??Q3F@7P<0:2*%F$4Y1(`#-A$S>!7YC!1E.&N`;0.>""J03P M$@3.=0!:*.=+P#-\Q<`^/O1''J1``Q'V!.+7^D`0F##C\%GB=8X2\\)Q@";A MBP'\_SAQ`@XB-@!0N=B%<;9$4>;:$HU&F*'.\P6[>#V2XS&Z:47+E'32%\`D M!R'+_7AVB72-X[\^S<=A#!@.@\CGG&7\_K^(=V]67(-!J]/S.AT?-55WW&JW MABVIN-RVW^Z\+L7U2Y)F5\$5L*I"G/,9'WDX,'I2A'=,*LL'SN9L&:1!QD"B M@+1+KF)X!.2/QG]`Y$HR)(RG43X34O832(_4\>4?00`M0*#G9')DSCP(4P>T M5\XN'C8VUKEP/WRUPJI)#M;J;,@FP&@\2_-IEJ>PF'^*Y>KXZC.;LO`&K5K^ M!?^[A6W9;O3'S5''&[3\_G#8';6;]8&R+4==WWU.%GTV2V>>1'"K)1.!AB*2 M2HN)%N#_!=$=*'6ALT`O.U$"OUXDLW`.=RJA%4D%W:)ZFD9`8_`7I!WN?!E^ MYLZ,SD<8/+L^T*>\FQCC M@%"NSU=ZRKL_[$->K765//&1G(L@O0IC`6209XGZA;C@TV_$U$[/=?U3F3$X%/7=4X$SM>^OU.9U7DJ<%J^/0XX7_O^3H4?[`C:DXU9 M6?P8]N-+C#[8I?=\]VGXZC[@02I=,A.Z>I8NE'4>'1_X&-7M-+3#\\E+8\EW1=8Z,.JTZMW<=2XU'28T[W75.)&?B M(!$S6O8I9@#V^3S)4T<\O2].M@R[?_SLJ6_!KD1C)[Q87G@MG<=WY85FPS*# M90;+#)89+#-8*ZED)=5?1PO^7?%@Y[=87K&\8GG%\LI^:,2..;*\8"\M'N65>RPR-U1 MB!V]68I-+YV4P7\8SVQVT,O+IF.'/&6L2QC M6<:RC&49RQJ"!V2L]L4S<-9;N-9:KK-<9[G.`L6]^58,:C[UOEC4PPEIHEI?>]GVGVWST6$_+39:;+#<] M[#WP]E:F;+G)R6RK&)9Q3;`>#X4?DFR(-J;D7(\&#LM452V M[AI@W7G4'@)-)V=O6Y8^%-T]B7-?D%9W MY>B_O#Q'OQ+9Z-7:O0,YO:U\M/+1RDC"8O8PAM+<9;B+,6= M'L59M]=6ILO>!A):L\6R]%&RM+W6V6O=4Z]U+7NML_+1RD?G5T&P_/`E):4Q M&[))]IGQ+,VG69X"4OBG>!S&03R%?W]F4Q;>X`?X%_SO%Y#[_2B9?OWK?_S[ MO_T8A?'7#_,DR>(D8Q_A!^<;_2I-W%]\F:721I%<_U%VW M\0/^^0=\\$P^G]TMX7EX-8MG;':&[Y8OAT_)9ZY3-O_I[#_'P30[=[U>K]EJ MU?N^.QRX/7?<^'61)>N;\ ML!F@>KW1[';=_J#9K/N]=K_1]-3+Q_UN-4`;UNP&4,/O-0;]YF#<&;9&G?:P MW1G+ES<:_99?"="&-3L!Y'G-9GO<\P:C5J_?]<;=7J\O7U[OCAK]*H`VK=D- MH$9SU/8;]7Z_Y7KM9JOIM@?BY` MB#Y;O5%_/.IZK4:WW9*[;?FMGM>I!&C#FIT`:KCMX6A<'WBC7K/OU8?M0:,G MT3_H>O5N%4";UNP&4*,];`R'0Z_>;+1<=S2`(Y"['30ZS4$E0!O6[`;0L.\U MV[TZ,`>(VT&[W6T.QMAKCCC_JC1J`?+@F-EJ*'OJ#:J+>M&8W@#I=?SSL#>IM M#_;=[K5=5PJYUK@_'HPK`=JP9B>`6MV!Y_6[O8'K>HV&-_![?25UA_5VO1*@ M36MV`ZC7!Y:I^VW/`X.BV6MV/%_MMEEOC2H!VK!F-X#\X7#4[@]&WF#@=[MC MY&?Y\GZ][C8J`=JP9C>`^H.^YS4&_GCL-[Q19^0U)8&VANZXT:P$:,.:G0!J MN_[8;?G=>K?O^6/`O]NH*Q9N-H>57+9IS6X`>7YWU'3'XTYO-.H/^ZX_D`0* MO#RHQM"F-;L!U.Z#V3?P.XU1P_/KHP%0JD1_;^@U*R7UIC6[`33HMMKU?FO4 M'73`.FZSW:AW6]U&NSU$B==LJ]T.6J`VJP#: MM&8W@(!E!VZG/X)O-(=@);=;KE(#S7JOTLC?M&8W@-J-`5QHW#;P1Z/?&'7K MOC+8FZ.66XVA#6MV!6@X'C>Z_<&XW0#S#W2CE+J@QIM^)9=M6K,;0)V>!X96 MM^V-1KTV**-V5PFY)AQ+I?FQ:"*XP3;\'5@T(X'&G MTS#07Z\$:-.:W0!JMKQ6';1DO3,8@59H?F];L!E![V&MTNY[7 M[G4],$A'=3#9I9"K@_U>"="&-;L!A"COM<&4Z/O]KM_QO*[:+?DT*@':L&8G M@/S&J-7S8<]CMS]L]AN=[KBM"=1M57H_-JW9#:!N#WC%;?9'W1887*/AJ*_, MT6:K/:Q4'9O6[`;0&,1]`XR)3K??JX-MVO657O+KO5&E@;9IS4X`]3O='ESU M1F@+^_5!9XCB1:*_!61;!="F-;L!!/]K-<<=L+>\D0?7!U?I)3!W/+\:H`UK M=@-H[+G]=A>N4PU0!JU6LZY\/\>JI-:W8#J#4>]]UQK^'WQEZCT^@VM#?,!_50 M#="&-;L!!*;-J`%BI=/SAZ.17_=[RK72[XW'O4J`-JS9#:#!N.6[@^9PY(*, M[=3APB[IH>V.&M7VT*8UNP$T[K6\P0BT=Q.XIM/PQVJW+=\?MBJY;-.:G0`: MU7W7]8<@>\%P'PS=YECI)9`I_7&E/;1IS6X`-<>C7F_4'?G-9K=7K[>&(\7" MXW%]7*E<-ZW9#:!.RVL//7?0'[:ZXV&_WE)"K@67Y7ZE^;%IS6X``>OZPW$+ M_MOJ-/H@YGH])77KPV;EO6S3FIT`&H,RZO1!/XX:HX'?:[8&KO*&N>-AM]+\ MV+1F-X":GM_O-$<=;^@-^O5>O>,6QI;7JXP&;5JS&T!`#JW6T.]UFH/VJ`UZ MNZ.=X`,PVBL!VK#FD0"I"+.?3AU*8*(\![$L2*<;HLWRB1_F")%ZE5H^3Y/% M4P+$"2R2KSKWO4&[XXW'[=%P`%=T4`4#94)TQ^-QQJD=;A/"-G<($G?DM3H]#Q[M#\'"&+E* M8W8[\.^CV>%6,?&3I-*M@NSF#EVXG/;'@]ZP/X!;F-\;C+M=3:6]WA&=X391 M^Y/:O0:@!JPJUZ\W_$&QPVZSRGGZ0CO<*E'A),]P MJ\P'8.C!H8\&GN>!S&WW.[X*Q'7[?J?"-GZI'6Z32G&29[A5;H:YPV&G M7P=#H=GPP4QN]9KP/WDE!9NA[57<`%]JA]LD>YSF&6Z3/6+NL-48]KJMEMMK M>EZGU<QPJW24DZ32K?);3G.'VR3,G*2VV"H#YR0ES58I/2@D;\!;93&=Y!ENE19UDK)TJSRKD]2'6R5NG2:5;I,)9NX0 M;%8P[,!VK0_<=L\%Z>)J?VFSU:H(5;S4#K=)+3M)?;A5KMII4NDVR6\E*NT, M^J->W6]YG5%K,!XV_9[V)@Y[[>/QZF^537>29[A5>MY)VC1;Y?N=I,;?*H'P M),]PJXS$D^3#K5(<3W.'V^1,GF0,>*LDS)/4AUME=9ZDU;95FNA)WIZVRCL] M26VQ52+K:>YPF\S8T]SA-JFV)ZDMMLK=/YPFQSRDY0T6R6E'RC[4CZE=&)VZTQ8S.9AQIU@.DUS=O'C#R64;(&E+3(H#X^E9`G;G$9!N."(HRB? M`2ZB2/P^97_DC,.>4^JCQV;.Y([0U`_BK\[M-4N9PT+X1>J,?_W%=ZX#KM;` MLU$"N)R'$0-T)BG\X29DMS6Y3#^/YP!_7L!'[^`9/@VQB1Y])65+V,(UG9IX M*_"57*^A4.\(KE*&ZQ)S&3Z%8%PX1!&+)(]I-_.(31'$,(9'X+@S00/RO7F\ M#,*9LTP!(>$2:&@"-!1/&9'#+*'/P9^2=)D0-07Q'7R%<\8-Y"1YA.^?YJF3 M+Y-X=4/)''_#!7C\Z=2TC7_YL-3TLZ`>[BQ9RI,8T$9;>_+.MO'V'&IGCMY4 MS#*'L_0FQ+:2SC3@UPZVT^1$$R0Y`LZ#*W&PX6('^;"-)CK(OC\MLS")!=.B M*(#S#),9G"NL83&RC60@V+SC@:Y*S[T6LC><.W-XEDR_.AP$:P:L&DZOG5O@ M4#:?PP(0(0ZPPJ=IEDQ`9M0[-:?N>MZ34;7--?U@)#+26U.JI7[A-;Z3FP\5 M`2&-(!&%BR6H<`497"2ILDMD.'3 M:6P;>^YPB/LF48/R0;_!Y'-D<;FHG,PX!@>FH7$@P'*N6FR`"V.9P)/)827*`PF(8BYD.V@O[?Q MPQT&.?7WSF!]@&&N`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`K4SD MQV6A,^>DC@[$QB9W#`D4+F==W4O/S?@1O9S-LJ9MYJC0@'(#95E`\6Q!>HVM7:L/S:S%^8:PA%XTT;N\/9W M456B:&XOX"E0VKXW>K8P@<#S2EV!AER8/^80B7F1<"W)L45R8KLQBSF;!?YWQ<9+$5'NJ,*=^^*G9=UZXD-E>9% M0M.ROW"VKDR3*=%EL&]%=E31SJY-UN,^MC4S69A7X$5^+,WCW%@?OOK/I45EU%&$S0 MJSAW/V&RNE]`=9ST%*(C&:^LWS7TX<%"`GD+TI>=5F$Y^^;.%O;+1+0!]OK0?1I8[?C`*/H#CU]R>%K:L9JT1 MO7NWD;T>-+PP_4%4A5LB=\[#N:F<`UL67ZY@QMK$ZN::8S#8-M!Q='2H.AJ+ MW;1Q=R5-?SV74[ M^Y^4E7NWK-K5,(W7XJ2`K'F_W`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`>ZSC7T0&N;A2?K[F8;\B%]=BB+[M^B2D_Q<6>], M=$7SY2K>6>JHV2_6\,-0<]6FCCV7R[ZZT'>DU'PVSUU(O:Y*5YA';75T8+I- M+UT)C,[NNG<]UQT]-S.ZZ.`[+7>@%S>XU"=5.9M.ESTV/SI4' M=?-^;I;[7L5E[^MC.A/PPN[_SD75F"J_O=^H>R\:TT MFTH,ISBR0$^?=E2:+4A.+E)/`^Z!M!<1GQY>["C`QHHCL==I$&^H-A)K3Y_T M5(HM2(XD4C?+LZF>'^86RX9G]DMV6;0S>='`%%[.V[/%YV6>J0Y;;OVH3,BX M7P%&$>0W=T!!+@\9NI-B[F!.!Y8WU1N5N6X:W*WVN(SVRE+K1V54QG_+NCJ! MW2D\R[`2N7+^.CCP'Z'0LJCC;?QK$1<,`;BFT$8O+F<$EO)2/9)YR49[9Z05 MM6QO>)S7Z%*(ZT/`@AV:O*GOGCAT&`KP\O;)ORT?I\^P62QBE$5RS!U3N9`F M?_L&F$B[5DU90#BC.D9!R$,4"ZF0MCQ`BE`2A3B182P?"YV[6S?+ZJX;)I2Z MEYPI9D))FG#$!%4H8E(B&DJ+$M!`;C%-X/]-DJVHV%&E#LH*IK2W;_";@^\F MN[QJVE\7%$2EGFC>XZM"ER4.:V>Q'464-69V5]]=?3IFUY4CX`42C:X%]P/R M;I]W$==V4HJ-=5-I51!S*A##QB+.`XV,#")`-(F-I`HG$1NF(^2OKR-CP#>A MRIR8=EF]1>/"W)ABWDMKUE9/8QXD5H4&Q4&(D1":(VM$A*B)A>#$,DN"88I# M7XWB^$9P17=^.?S3Y+\#C^`Y7_#>(1C31WDF=O7:;O>T`9_-#KM5=V0.7MS` M'ZW=#O?=CM;VR(JU\9):GXT=BQ&NDMTO!G<.X;`[6?>#Q8ZWI4X4X6V,XY:S ML@QQ))C%B(5)A&20,$1X$*,H%!;<+TIB@W<3K;DN7\._>YT:C6F(-?B'L=&( M119\1D8D8C30@H;,AH;L*=! MI%5,]3Y':!YT9FH`IU"V;JM7JP$))0FVW"IDK:#(!-C!:`7".*&$A22(@WB? M(RX/BK`='*.&3\,GXL6BPBXGW\^F>4B66*.-C\JE5ABE&/0X<(IF'FRO?&5M69N4`W(.J&Y/ MH6_JSR6\+1KH7.#O\BX(76OF1VLU58HSHV.+0FP"Q$1"0-D5V#`EJ8#)E'98 MI-ZEX["%YCR9"_8)Y2EFBN7*T;J!>5[$WOEMX`GL9S785MU2]:P`5`=39Y8'^3M[DHE8+WA`4.*!*Q#%&H(HC3 M!#>(6&6XY%A%9J_##B\=OAT@ZSOV:3:`>Y)^+1N1+R^M>,[D/RV4XCA.$DXY M4I*#88/8&6$+OC5(QRQA@8CD0.=@I:O0_R.K[P7C:>S^HRNJ'Y;L.R0*/*F3 MQI&B(I004=$8PK,$!(U5&"!C.`DL(R$1>YDOL&UWO9`9X`.@*93@HY!E=53H M"].F[B_97J,!SU=(868*:,P29`.8OK`UX)5C\,II'-`H2,",BH%3_+@6WW/W M>T-GD/EO+WI>9(Z^W)$OE$PC'@21#4$_A<((P+ ME.F"LH3@ M^5[^\0'1N*O!WKYFZ'6S>/C7""=BH].'!"?B9>ST!\\?\)N.MPZ?WIN(F4W7 M`OEE8[NOWHW.R\M?L)MH&\FUWEYA5E\Y`&Y$[KA:W-\&=KMR8_N]6?SSDAIE,XEKO;KMWQ%N(HW?94.[8";0H%:+]MV&SH_8="*0$THBB* M$>44Z+$@!&1TA!*(BADQE`?*[GG7>PH?M@)E\K%]U#15)N=-FVQ?]DY(Z$TK M9928)"$<41I"#&UTB(1E!F')26P"0I-XX.K"7R[0G`*\B6S%3>8^H+0\S/#X M7LWU]F--Q91'DD>8,"1T&*)`Q@PE'!,DA97*QH8%FN_C:O'$TXEW%*?0F3]] M$\B%7>VRZCM@7!^O?!EHC?ITII&&!&L0EJ,D#`G"F@Z)56-+S*;H_7^(K#U'=U:XZ\Q=TNM]2O<:95A3*XU(0KD*(A03 M@5$2P.0>49ASB30TIJ$-)!DX`863^2I3*(=?#'>A*^UEO7<39Q]U>5PQU6Z; M*#`4:7`,P0F,0D2M`KDI%@S##)R(@1,-?]4:LS6,DV1!/+Z1^I\FU\MO)SS^ M3LO7\FZ1]$@OCKW57\N5TNOR)CPUD6(EA38109P:B6A`)(K#R*!004AJF,&8 M##S)$;VF:6V'>$\4F2EC]"*7]&&@==/%S973A,1<*TV1PF&"PM`JQ+B-D8DE MQCQF(1<##QO&KTG+1D%R$OT1MXOO[)5'ZH]Y5IEEMFH7QVICW519@"Z.*2). M9@`Q!.FU!H2QB9B)0A4/S/]-7M5D.0:2$V6G/-I2.2U>OF[#;$A:Z4$H!4,< M4PDP1T',D,$R@$"%0ZP::&ZT"H3B`^^-P<&K4JS1<=V-EBV_O+'XNN'&$PF= MZJ>QU2XK,T&2<8IH!'$OCY(0<9"9&@B'F1H8"F+\RG7*#YR[4:7SRLRR^:SN M>#_>YNIII,-`4FVP#9C2)Y07,W>M3. MV`\(;;Y1L@N!5.L`HF%H'VMP%85+;[44_C22,D:I-"(8>M<'?>6ZY`G/?="F ME6_V;J%2*U0@F!4Z9@E%@:`)BL(+#;,\U#4/,1)R0H7D4`"YZY>Z2PM[YE0,IIEQ+:S``+!0U$&'0$'Q#`!TS M$T01C2.2##4\_#6IU73X3K494R^R%1;[`?6975YH>B?FAAV9#;731,4P@2>J0)1Z_*41H'S(FRVIX#:+%*MF4N]#-$4BL# M3'5H460"A;!@`0H%(X@1J6-%!=;A7AYEW9=<:#^8[F01_,]?3G_XVG6?Y?"7 MJ:0T2H3B%.(0B0V"L:R096&,E$I4E(1QR./MDVEW8*VV[O--"^->,9UZ@^Z3 M:);,GE?F>BE:.T3SW'T/=I&%*K0G9.[>I4/\64)]8(E]D!V$O-.>)Q8!"S&$8H M#,\D&K@1Q%[EW.P;S9UX?*OI&@_[[GV\O>(ZTZ<=9#EVE3-[7GN/M-<:+>\?=W77W^1"*"` M8RPL1\:YF,JXA40B.8)8)3""*&J"@9^SW'%VZ>@^NT],=^-.==^5W%@W51%C M04P5H@F,(6XLM&^U1EK0V'#%0TL&AGZK&:6O0(U&0'*'&Y++;Z)MMR'Y#)&4 MZPA"7!@T@981(M1&B$:100Q'5L16Q8;L]1GW76](^L%T-T[Y>W-=UEG/E-*[ M2BF+E3)$&Q@Z!$15,4&&L0@EEL*,;D00FJ$SVBX-T=8=NM$/WP+!J>>O%5^O M-9_]S%!/2JF,F50$2\3!&B-I18#%VY'632RRM7TH'= MS2HO7N;YW+GP#55381*K0Q.YS&*,M)4:$88-PHP'1G$5Q7SCB!M'ZJ?,@DKD M[@XR/PVD`:$Q#;A$.@&_@H?*(!$E&"4*<\;!D[3AQFL^=SD+ M^E61W.)(L6UYB` M@HL01$005L2<$_]#&1E;V$?LF@&5)D&U!U=8U&'Q9[-@(-ZO[H-KMYUG4/A' MHL\-HZO5[]]^_O=Z?=N"DQJ.+6)@9X+LT]\^Q"ID+FT&4!,4:1.DS"%Z5_"*0]J'BY\_+N^3TVVY>W6[6&[QIRW8GQ=YL-401 MDO8U,LXU0/4Z0'`Y@\["8/5%5#DR>]&E-K(3J3,E5#TH\9`EB34N7+#F_"-^ M66QV>K:\T6(H.15;^".&9500KA*0S1*01=>:J3CO1L99]#%K3DR%Z6#J$UFX MP<4-E9]Q==/*V[W+^?;S[;;HV4]4%WEGJ:+]C0=C!$I-$Y-?>*4)R;'61#KP9,/S:!ZN_KZN,7MX,7+AP"+/`QR)L@ MGX.@@JR`V32M5O*I.3(10B#P9J%0-Q3E&L11MM*E.F%F;$B8EP30`=?&>6K(&#Q"1$ZH3<##BU?P\Z[`5#<$$&P=]WWBO01C`.`348 M8=&Z:$48F[*X3SJU'KP9CU4?R25MMNZK6WOL-KSY*ETO/F[1VRV\[&HX9(PA MFE9:R?&2T"ZPMHT^0S*::N6-EM7Z.FYQ\ M,*`H&]!\Y((/K,>GZ+*5Q=@@1UHF^L@D4TW\!,!TL63NR^E[GV,V6>G1L+9E M;.0^B\CC<"*`MUB=$UH%VGN?=:9KW%<=\-]M?L35ZBMOO'M]!@YI/T3^XT0- MO'L+!=53A!!*A9I3$$IZ*]/8G,5=:#UF&I]?YYX)J"YW_7=]_^F6FM-RBPW< MQ?E7GAY4D:23E"!E,EN?'#"&U<\BC0DIV5K3K,UP9YB]U_EQ(FI]$EM\LR?\ M*4+)D>P2Z,V7:X M>3<=E!CLM<<'+TB08551(_+>JXQE;8-_XK/?R"BS%&G6(O$$1\A$N'01C,;D M+=R1'T\&24D)WVXY58OZ:['"Q$/-UODLK'`X:W_ITZ?N^=7ME%CU8,2(!(%O MIJ)+37MPE9<.9@TH50$=)((52:!U3ODZZ]24D[-A0J2ZW-A_EP_NNWI3O].7 MY6I#Y=WGY>W.Y`T'OV.(PB49"T$B7\`2)I":#&1G?3%((H]-VMQ'IY[@Y#@G M6!34! MHMV8]=CQYG1-JQ8T>E#"CP-:#\&K5"IOO%B5A.J"`%-,!95#QN)MEFEL>8M+ M,^FT.=Y=E7*E^J< MQ9VN#)H:RLL2Z(8QIM4H^MPU'1*&[#(Y$+[%""2=6F9Q@D">9$!7"M3*:ZQYBF@]:[>6"1@P M(38]'9Z>[%PW=Q$A!Q2MW=UT,$(YHTM@OCL+`5.&4IV`K+3R5L9DPTA;79^0 MFPG8<`:,NOFQ["7`TW%H%65U+8]G10TD9$.J8BM"IY6Q2@0QTNVZ3WKP">;Z M-#CZA.<^S2/]\KIRQUSO:SIH;QRK5[6Y_QFH0K*F+M%#-.3(ZBIS'$F`\$\A MP!DPZJ9'W">H;_=)O^!BM;U2_FFQSM?+]>UJKR:QN_40E31)6I9T(@;^CQ4L M\T0%B07@YOZKK!ZI2\1_"C?.`],3>O1+]_PV5V'YLNG!Z^2XJ7OP!$KAJFP*IJS5Q!"2*)4Z]1^ M%ZFSJ8EUL=DSI,>'!F6S\MX'T$[S^XRPH+#P#N>K-8JT$WG6E_4GS\Y+?7`\ M-'WD_X=Q-M\S7F$\^%L>_^.:^H'J_&,(.ZIRMZ- MZ.>_O]#-FMY5_L=M7M\UCYD/WW80[]G/CGO1D$B5Z+($&;P&U9)TZ6@M^"RP M9.N(Q$CWM#Z$FPU3WM"=SS8-%R/E;AOK6TT&E"J;G#.@;<43I;-@A;%0O4FI MEDK9@_D>P9:J)?9LWTR'8_RQZ=!5]*(;Y`^:_J!Q\,KWU M@L%$'AZE"H6DA\`R+.B0-"M,22J)0=`$5\?_?/Y,CF(?#CU4L+SK_D'*WNM- M!E2F!)406(,6X+TQS;<"H6I?$C5_'9IU%HZS\V0RW#J?2MN;D+T^N:\W&+0M M4ED10&2LX&.[%DM1@]'&D!/U.G]-0Z\F)>XGM`#+IS'.=V/SBJRCD?I`K-^1.Z=9RT&$7,L55>H MJA0@D0*$B!H<:26U+#KXD>ZO?2714?.U>^Y/P.@"'/AAN5HM_]L2TAW.@LAM_9=AZTI&;C MV5>$;D?#P?GD6A5BP&(M"T#!0'120<*:<@W$2)X>%=S]A#B/.6QR*'L0YTE^ MNKVRY(MG!X\QI>0-4!!-/N9M4:7HP9JHE$FQ6#?26-IKRYBG57X*I/NXM6XS M)+<`D,6Z4?\A%>IR]2[GYO>]:^\YH/5@2K+1\ZK)+;^^J%&"5R6`3$8:S_MP MC+-.;'+B3+[P>ST'8CV8\@>M_K-HE3?;$'9?S3Q_=#`H9`ZU@N`?H,C`AZ_3 M+-%'Z07OR]&/=7CN5/AT4@Y,`$^/"?\7+K9'ZM7-77WQ1Q/<[MG?V6[PP:(R M1H!"YUGY#@XH99;NE$#ER`4W[UCS::DP-5;]>;&^JENK_C&<>-)F<`%)&ZE9 M7HL.E,X6*(<$L1@>9(EU=-Z2/G:L<_+A-)QZ<6%])QY_Z_+6WG908 M@S$Z\NFW->5BT:!-=A"KGY,CU@G#[IG9>*?^_KN=H3; MTWA0&84-_&GIMR&*2!!X64#1);+\7BN+4.-XTB>*9EJ>G`6P;B$UC,7R>P_3 M79["K[<8M,W-$]T#U52A:EX+UF(&B\+;2IF%ZY$R9Y]0FVD),1U*G6T:^^]$ M7CX\M)"PZ!R"<3*R]"0)T$H%,CJ1A3?!JI%&+]W+Z#5[L\9XK+MHJWB-*Q:C M_\2/6X7[JM9%IM6Z%?#B;F\QW*7!'M!\4$X65M,1&+$`62D>.4MG$+STIGBA MA)MU(9U3)_.Y6GL>S+J<.CG??L&;_'6W%O/TL2'(4(.1"-CRZR1J=2--C)`] M;\=!*5%P9!A_=YO&%+-_(C8]9OE;EH']9\KS1X>JO9(I4"L@7$#7;``C0X.6 M2C56HAF;4+&[V6**V9X`GSY*!Q^2=_A\H/SI9GF]_/BU>9S@!M^OEIG6ZWU. MPX>\8.!34\44!83`1ZJHH4`-%$'R!B>M+4Z*63OC3,R.LZ'6Z2*VTM8TC]?- M0+O[ZO6[1P?6K8U4O-NY0@%:4@(P(2-X7;6A7!/6D='=W8T54_!@`GPZIG:Y MOXCY]\WZ=M52$OVX7'U9WDG;[U?T>7'[>?^Y<>RKAI`+^:Q8"Z^JI9\5CG=0 M5NQL)%M(&1_S2'-X=[/%%(SI@%\W*\9]%_>F!GEX;G"112-I"I"L$8IR&92L M`JH5$4O2E,>:.KM;+":1*$\$IU]<,.O?#VY&=$-UL3^F]T6+06/0%(.`'&," MZZP''RN+4D(XHY.O*$^O['!.D\6D`;E3X-/%4$6;1U/-N\UFM4BWV[3E'Y9' M1WL?_:[!:$4Q*M[RM.7E0"V2IAH"F9QBD4KI&$9N&)TX,W4>@1X0GC>9R(K* M8O/[8OW7=CE=WT4SL/CTKQ46^HDVN#AGZI`';]G7BU%*T?Y?9Y3-Z+O" MO+G%Z_NR!0M:OS6.#_QE^I5;?%I?K?Z'=L;MG_;B@3!0$6F[-'DW3BR^)U4D MR(*I)J%C5;,.KYZ&"L]K4_7&M,?A-G90_./R]N.G/Q9_W_W]#%Q\_HE!ML20 M+%R`B:D"%A8/B]/(.WIDI8"L,676&/X@4 MI2>J+/V:"@55@,"Z#UA&4:44,Y99.[Q=GID30CL[6FX#&:;FXGG@JJA6Z2B!0>;3:93E6L^QCG+X\`4_%\ZPJPT.''_[_K@72WJ?3;?+[ M)27U`V(:QY5([RJ)/[%K/=1@O^OT826L#VD^D#2J5;T$57T`BD10:]5@O>?Q MVX!*S3J$>] M`FU$!1E0@Q$6K8M6!#?K2(I)>'(VK'HPY0&!/_`_+1SUB"WR68M!UZ(42AY5 M3`8P5/Y6U0JBS#7Y+%VRLTX,,@D7I@.GY^0_J5)\!`%>:36@$"85ED9X/!FH M\$Y8G&,42]%&F^J$&7GEW$>ZFY0$TP#4@PA/1M[M*ZYY]@Z5[(B6\`D/G)C$0HD:0_"Z&1B M1"7'WM%>)!'4);EU.K07(-)QZN7^QH-D95JJ'(!U*,6`4N0UU*(Z2!L7="Y2 MSSK\84:$F@;>"Y#J0)5U1RN60;0U-6D00@F0N@@P7F96!93SMFA6,49:+_LF M+9T!C4[$]0+\N5,(OS^JCR#2J\V'EAVT8BR0BO,@?4`(I;F%)JL8U8@AC4QY MV,;3V6%_\7K]W2#UWNNZDYY[8"A!N5)0RY40;1"Z-IC M@FA+]9X"2Z`CS7.=,RV>47,\-Z)=C$:/#@-7]8FG[*.C[%R<8WL:EL\^FD?4 M_Y=P=75SH+OOBV:#"EIFU^B<4H;@D^!]4[>R`;R=$5*E,%((Z>_`>MS4O6U* MGP*ESM8/6WW7T M/'P8A])E^="\641^UCNK> M0Z=7ZML\[_ MLB^R/82Y5\?P%EKORO_=WI7].I9O^]\XE%):UFW6>ZI1@.VBD!+Z5D3""%%R M8=SFK!):_GB;,>W_=*F:V M.)75`J_?K9D!7[;Y'W]9KMKO[ION,3EU[.N.WW_@_GS`C[/KZWPZ]$38^YT^ M8DOF^7'[Y-7=I,^FH[_1AA?)XO^[.];F1FW@+]*4AP`QTR]IJ\4+?T@IJ''N>#H=WY MP*YH](R[;;K['C[7.2[K\-D0ZRQES+;UO8:B>8!RAI\1VEF#QBNUQ!VY`S[1UT4%E:+HX*9JITVW0C`>X+$'[DP,)Z[%[>;IF6!CWA7R MMP]M45C<"1!C_>O*<'"BWY<`&S<7_YP*O%DJ6$!B3)0?:B_N,]8M/3-.DSP- M@69Q(`(6"A4SF=,,,_5]GJ1I'GOJK.]^.PDOWU<>.#G-G!2UZ+&^-S?,F&LQ MB4V'2,KF_ED4T^C]6#`/>&*6`S@SQ&0F`250&B#RCK_.^L>4EY-3SNIJRI)E MOT*--(*<_NF#:S.(1=[/N.4I>M3FV.Y6T&%3MRQ*XCR")&$2?(_45Q#4.$_- MZ=-4YH`Z][>*L-W1?H_P3?6"_8K<3;54(Q'S"ZWI)S#=B11[?S,3GN_YB)+E MD'`&W$^8$&3U0*DH4!RXB,[:-9Q."%;.,KLCJ9LC[^_T__>FWEB?<'V'3,5! M%"4!N40_$@Q`(-/2DRSQ!7+I<2FW'T%P-$)Z>&L;S/0=MDA6TMB^"Z6:&93M MNMNK=]6UH\%D/B?/`%[$?&7NY0BXSSC&(8-8!2*)(8'PP!T.M^IWC)!\K'AC MT'<475P=8I<%?IP4=I_(DC00((*4A4E,?U(4+(U"G0/YV$ M'4J[@]*JWN-#CF40:R/)&TI6[]$[4Q3WQD$.+*!QF,+MI`DA><4N7\C/$8/T MP"+5KJK4G$P.[)+M)")P.VO45VAQ.'*R;:-][V]DJ4D_X[XB2Q@2\;S08X+' M;^ECD(8(9UZOQJXXG)AXHWB5>5EWXPPOH6E>==U\@R;?*[SY^"LTG_9!F\N0 MS66%3*2^SQ)!&N*'D$:D&23E!Z;GNJJ$8]^WG)1\8P4G?3W\[[`_)$#YZ#-9 M)`7IC8X93T3*=!#FI$OD"0]X9$#/DR07)7I<1*DG)!^)_%25_C3``@ENKMJQ[86.)-9)F-SV MAU^[W;:%#YQ4?^BVVP/;E?';OI,)@1"#")D78*G M$`8+!!S%G_Q3-0AE\9_90S63]$EU\0)%:7:,=7\I^KW9TNW6V_9>I-K[XQEP M&:/T8N8AA$S&7L(BF9(KUD2OF',91`=.C-(?3>Q&I>HX(?*^44SO;R$*M#"% M;*7V-4O3)&2)1%,H1,8^)OJ(,M'>3R,TAY+*U8[8TJ.SE-@EF'>HZDIUFP;T M(;/NI*:8#_O1\]^9VO%_UY^TIK?%RUN+2SQMI_(LME06-L0MM(NGNID:XW99 MM]V)KW9:D!81,]ZRC!S0>Q6M+LZGB6/O\-_A.$?MM]<[?(+"),WWJ<`3O7JI MPNLH`S!^P:S17T)9MA,]=QG7O^L(V?B59-_@-!BCXI+TG31,IE?+%Z,$'S!Z459UM_,#;??[1[= M&V?:V->=57Q,.K%+>*2<:RDPPM!MZ^4:B$T]HZ?\"N7T#DT*JS)&LW(0#GRI M*UAL.MB'-]&Z4'C;U,^F7DYG`#[].RN>C9D8Q&X\Z%M>CYFA-"#U:@Y$3-_A MM6'VL*E;!CX":*`Y>A1)ACP(F8A0,\X#KF6`FN/6K7_'H]TV&]_<,5/<#WQ, M@7EIDM.<(HQ9+D$QF88\3L/0"\19EW0^'3MKRW1S,9>^4&KV9%AA+.=BF9*> M2^S84^5#T-J?)?IHC!ODZ50@LD!Y4>HCL<1/@$51'+)ZH^]>ZI!BN-:[5P0KI*DC+$KD*<+5E1(+;5H)A M]6ZB[XO'JK//U721S7=;EX6RNM.P&WS[>#R8DC5$ZGD):%//;A2(MCG^(5Q' MQ0`^@O]0[.+S?OW%O)+0(OWS/U!+`P04````"`#YAMU&2K]@9`I\``#<`@8` M%0`<`&-A`L``00E M#@``!#D!``#D76USVSB2_GY5]Q]\V<^.`;X`Y-3DM@`2N/*6$_OLS,Q^8]$2 M9+-"D5Z2+6B?SW_*L^':;UN+D M1YW]5H_NQ32]*$=IT[9\WS0/OYV=??_^_>./VRK_6%9W9PX`[MFJUILEU%^G MRV*GZM$I=$Y=^/%'/?YP(N4K:@WZBY*_J;?C9E5AO;!_-G^Y*JKJOB#]W6W+ MPC`,S]JWJZ)UMJF@)`K/_OGYXJ9%XS0KZB8M1N*#A.ODY/>JS,6UF)RHGW]< MG[\@,$HKJ;7;M/CV<51.SU21,S(:53,Q/B\:48FZN18C(=5PFXLW7\2B2;.\ MEEPJ9G^[K\3DTP=%6L((?>#.0?S;WH2;IP?QZ4.=31]R"?394.)]5?_K0;J7 M=/L5[DO9["'"B]IV&,WS\KLR4EY6%V5:7)1U+6I=0]*I;(5-6E95^5V,/Y>% M>'KQQU?QH_F:WFERW)5.7\Q+?ZP+LEYM^XSR^_SVRQ,9/RH%&S&[E8)]AK4^ MK;=KV&=(SU]MJ6*%I:A]1J4.RNKAO!A=I97L[:-R^I`63Y=%_K2S@!:PEILY M$M'U5&B[G6&$?_'@II&QGPH#Z\M)E-;W7'IVS6_>>D,'%I]GA:R5I7E4%N-, MQ;.]`[&SR0-#(@N74]WPTG(S=D0OI].L:9LAQ5BBW,@^5(Z,,E%O>:7Y]5N@ M/:"0NEHT(=:W&!="#NVLRK*#8M\"Z76MFO7[9O9:/,CAB'S3#O+EV[_2JDJ+ MYNE:/I64]M=&QQ8&$'A6C>ZEA5R+?\WD2,R*A%M)]BV2&N;P[&Y6:8?T1L0L MB5'499Z-U:S4JIN04<-]*AFHSXN;IAQ]NR_SL:AJ]J]9UCSMEL648G\"K<5! M&KK0)-`ON[+GKL2]*.KL44[##<"5DT'Z=U=^NJG*2Y:*=N"O2 M_'^J=*S=*W8A8H7M6#PH9=:1J)IL(O4H0XG+R?(I!.J?R^IS6>F*8$S0JCC+ MG[*S6DV@*DXZ"J%)QBKKRX;8CP?I!,5E\6-2SQMTU M[3`H:Y=/0E!1B$FFC*L-WE4,*7U>:UQ7>5K49-3,TDI&+J2N9].'MO?G9:7> M+:KJ.J;^6AP4D"WO%VM@M@'IWN(A`.E)ZH.*MN9IK\5=6JD\D+;DY=PL+8O< ML;E!H?@B&NF-LG*<7I'T(.?C- MT[J68Q4Q_BMK[K/B0CR*W%6%TPY+B=8:Z$_JYZ"VW;L$"\-S&CM*J>9'_7-OHS6RMNZ-.UF*:9FGN>3\"H MA(*BJ5(U'9LO5I.>]@"D1S9Z@^XFE1^'2MM)\USV+>11MJH^&%Y6ZM65%&)2 MYEFY!RR&3?0FLJX'V56S/P8[IV!UH](;XW\4E4AS9?3SC3[K9G\Y>2ZWAU2& M35@1646N*E91&:'SUKMKJ@L-:TS7:QO$1+-Y4];-;#I-*UWWMQ_5G@13DT'= M&5^OU1-CTNGMLXO.F&!/XN@YT%WU^F*N*F?RMW$L;IMKH4;L(]6CZF^GVX.D M%9&^E$6JMG>F>9?1]?9:5AB[G$RRD;BJR@>5;-.Z7I4"^Z`<].([VLEF%QI# M,+WCM2;X5ALY`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`Z)V)O*F73Y1G M]TX!7!RR^[?%XV3#"'^=R?F)!7,VI;#BO!'3%:-Y>BOR3Q\D8\D^Y!)$(TAH M`&*/1]B%@(4D]@#VD6#UIW_-LK+6HP_?6BD^WA^6$H_\J-A>;O[0'IR<3??\-ZS MB2X&$O-Y\7;16.72O`9#Y:NM'*L4B?S(MGW$^Y!-'.;'`0Q=^5_$&'!#'J`E MM-RC0YGIEM[VM=D.84GEP3!NS;=G2WS)9/PB9MQ@89N*)]A##O$\3ETI) M]@&)D0H_2]>03735M[ET0C&B,$!N&!#HT=#U`"3+>(X0&AFI MSCE^U5F!8PA7')73J0R.LC2_%FG.:G5ZWBJ%_V8>N[ZI^>Y$$I=*[T4!X80S MYL61@R%>(A`CY!H9A'O4!M$[2L/823'/E%4S'5O=P8X:"7:YYS$_HAQRY"#& MI$Q+V7S(/2,+\-Z)!=B`9%BWH/CLX`">BR>0.!P2'\8^B8"D5Q`XR M4K3_3A2]-QY#?=0SR:BFCG\NG(0,8>Y!Y(0(^2[S'>(OHU+9MZ'`2,/HG6AX M3S2&T.]RE-%N3ZHW3&-L4??.N@F,PLB108S#93P388>Q8!F#A@["X7&%Y8-. M1]H&;PAC^7D]XN6VMK^J3)W%.MDZ5ZA'(>&0Q2Z-*&0\"""C7N@OO[F0RY#G MN`8%@QI./Q`.83X=8%+'$3R*ZFF+*1E02P+/<5'@(^#%;$XXC`B&(8G&ZV?4KV?@]K=3H(< M-XXB%F`OEMX[IDX$5M\:)`$YKD#Z6%V7=:"/S&#/BW'VF(UG:?Z6?-".Q6HT ME,0!#P-`,`1.Y$`U>O)7GSZCP&QF%_]_,UG[2!]R7-ENEEV>!S;?U&0PPMQ` M)0DB1X8B$,;(8ZY+`25H-2'JL=C,VH)?PMKZ@_%`[L]VOZS1+7"/4X]RB/S0 MD9T"Y`RL<(%.#(S,*_PES&L(0`]D:+N=;S=#VTTO<>,P=N,`!PC&#O,=%C&X M"IA=0T.#X%>U-.N(KEG:[V8D)QEXOC^VI6XPKXOIKN-UM[ MYZWM%MN*TAZN5C\J_@X-H-D-Y0.EX:_XN=!(LG]=.`FQ1UG@$TP`"%"$@R"> MKT.YCLMCL#,SKF>I=J;%ORB8$!FNNL#Q/$D684K\Y4RWZS@@1ON?D]%J,/MZ5C[+?S.9ZE[_\K&[Y*+D0=VD^O_KMC>SR#:62@'#@ M$>1B/Z"8;6^D41]$:P=8XUJ/3';FY&PH MG3C`1V&$4(28#W$HH8GCI4Q10,V2^+$D%VD34`&4?2"O3^*^D&, MVFN[=NYO>;-.0EWH8`^"@$=>B!DE,()+^4)$PN/K7"WIZ]7V3KL(_7J6<#3] M]+$9P/"*_R*:YP/]MBC[1;G$BZ%':.AP&S&[K;)Q)6Q0U%9-2W77]8XN2-6HG(8U=IK;V!:[O12S@B"T_ M"A="9A:#]Y8/:5'U]L$9R"`JM=8:B\7/F6C/))U,VAN6MF:B[:R;Q"%RN=K% M%P,>>-@)?7?U`5`?F*T0]9;%:-<8K$)S"%,X+]K#72]E?)RJ,]WF%Z)UL(?- M!))(0JB2/D*&2!0$+G9!M)0\D/\<5X9BCT9A!9_#6(:TYZ^ED9-X53?Q(X^3 M`'.'QTP=,A%'[DK>&(5F(HU*HGK>&JG,7<" M)\"N*R-M2%>?`_+-S*.W=-(!W84Y2,=@*%'ZD#5I+@/F/>SDF4C"$(HXP)`@ M&/D2\1!'_A(!XE''R$QZ2^$*E6J=O,_+$8TZ<_:I7?]]PEJLRL M7=Y$GTC"7<0Q`V&HCC2"R`68\%4`+GWL<:5>VAV8]H/10'ME1D*,VX'5>5W/ M5#Y.>S/EH[K$YC875]4B-;0]`7K;&D,W2@G`(8T<$@281110Y%"P&K`!CYC% MJKWE4EJTEWZ!.J!KF5_:7(H_^-N;F<)[F`OM`9ZA?<%5^M2F4?*R:N/I54*W5K_1D5("04QB[/H>Y#B6.V MOQ:^APG4WD`:PDP4Y^U-\_6]NIOF,8AC*6'4:0N!S)L9;/I6F'@>>Y@"W.7Y1< M,QB;S7C!]S`S:B!^CWNES#=HK&Y7D^/J>EX`H8\HX%X$ MD5)(Z#$2A3[=V2\=UU8-$#%*&:/8\R"-.88D]A?2H("&9INT^]^JH:V$[5LU MNDG_KK=J."2B#G&DE-#S88R<,&8+46F$\%![Z'^9M*_$0S'K[ZC20$]B-8.,/6Q]U8-C[H\ MP!#C""$UPG+BP%W)Q.E0?K3S5@U=56ALU>@&P?O9JD'"F%+,$&%8CJD=5XZ. M5A@YA)BE8`R[5:-K%VD3D/>7H!\'L8PB24!==3<#C0B*PJ5\;D"=X^M<+>E+ M.U/?#*%?SQ*.II\^-@,XH*^/\K2N+R?MXHNNO_^Y3D(X=Z'+"%:K]S[S(6L/ M`&_EHQ)$(\5W7Y`XJ,_?$Y1!)@K76-SYF;\NG/C8\6,",:<.4((1`IV5&;OL M"'>\6]32S].*MN#Y%11_O([]D/H^SI4`'^(@#D&`L0_+Y[3^=?WA)&Z+D?M4U*,_U%**/^4Q6?5CK3Y M/>A*D&..8M]%LD,DH1=AT%ZSUN*$L.&NVR&S44RM9$C8AC"O-C=BYVZLM5() MB7P*F/2,/I>P!3X.6;1R:]APB\V0V26FJC<'80A%[M3A@G-$?.!$Q/7]0.T7 M1*[K+.<;(QR$9LOX0R9\F*K/2/XA-*>R&MOT@G9O17M:\>5MGMVE"N1M&MU> M,6$>"SP&$.8.H;)3PUY(5T!1WVS4-62^AJFFK>(RB`6\V*H7S2HU'2PE^%(6 MH_D?VZQ@9^7$@1$`Q.>1'P80.)##(%Y*'/B!F24,F=QA;`FVL1FL2];;^_AS MT01&YA+-6"8'-TWDQRF?CK+A3 MU]8JN)NFRFYG37NG8JF\35DT$DO)RMUYT0@Y%MCFTNTTD$`$/"?`<1B&,0]# M'-"0KT8;GFLV2!MRPYEY`M(!\!O8A[+68>GYE8]4D!CYI[\N#01CYS$.\ M/42DE99A_QWL.;/@;6Q`C.+`!\B+EM+$D>%EW_VGA&HK87M*:#?IWW5*:,AA MA`E@'+@!#K'CX.6%+S*FB=%0R6G[K'UJ:VM+2F@W&`Z?4\A#%P$'AT#Z>I\Y M)`!^L.07^UYT?&N9>Z'^5G*A&0S'K[ZC69$\B-:&#USW3PEE`>`8>*XZ"]D- M/>3[R%_*%(+0;`ZK_Y10;55HI(1V@V"8Q#Y8P9#TI,(R;[X`PV=[GS@LNU4DD$/,1"'P6NSRE@V*&>LB5 M9%,%FX,PA"*OQ:,H9EMG*I=%$N[2D/E^`!S'49<',TK`DGL.0K.#C89<$395 MH2$"PWCF^206^_$@(Q#Q?.O=5G_\1IV$$]\E$>#J&G.&7>"#Q5G#4CX`J-G] M"D,N&IM[83N0##(YF-Z6%2G&UR)7MT$N6-XV);BQ0N))[N.8`\)B1_8KTIB# ME3-R)(#_Q]ZU-;=Q(^N_A/OE$=>-JY+(Y7CK/**XU,CF68KTDI(3[Z\_`,D9 MRK)$SH`#<.2<5))*K`&$_KH!]`W=DX\;YS)[%#Q.WN?X.MM>^3+$E:4'9`(1CHEVV$',.BV`H[S"V#6CNT/Y-0X0U=2AP_+. MQG';[P+4T##CL47"&24ML**[3:C+]`W6#.)>I!)EPI"U[SZN'Z+E_3I_?OPH M4$X(HE;BM"!O4Z7]3L@TSWR_5C,FF[7;+L&@OB%JUM$$7SW&>_I0DW2].EA- M^^^B[=1LW5\/FUG$?[&:;;[MH!D46PQJS3+UC4-R_=:5.G.\R=6L4O$G<92"K>!?_T7?VB^Q(LH_F1W MD\6?_L]LLYFM'KY]B'\:9[HB)G%ICYOYY\BC#\U_'N-M><6U?(R_QB\^I3QVJZ7B]MD\79/6FLF<8T`!;YAV&ECA*-'3[]J*( M0:CE69MR6MDS4A.NJ=":4X+CW\H=*L0C:K2QF65+BV?/]&;"Z>R98=07SIX9 M@?G[;95BG>O5[C3H66?@I7%!*D(,2;U)''$>2)8:ZA[`B3I?K;?(E^3;].;O M:V(R`C`UM.%GRSS[\OS%[T-4*0772F.B%<.$((A!2UZ'$H_ MCQ1,)N%GBLR_0C[0=QU?SB<$O?!Y0-@2#^/A2)-KF,7[DZF6*N1`M:H3_:SB M"SGS0Z7[BP&I4G`BJOCK53\>__!M\)(CS044A$%&'"<(L>X>U#YO3Q=+#1F7 MP9>B4>7)^>V^T/1L^7ZVN'VW.CRX/EAU%+9HISJ#HIAC`S MG%DLFV1!I`:SOVO$C% M,DO&9?/E>%0YTN?SQ_O'7?K++AB?J-\TGY-.^_40<3M_O/>=(S!*(%;`(^8U MPU)8!F%+O_`\;]L7RUP9^:@OA%*5,-:+T=6S@G%J6*!2:KJN;A;S/?AVMO_?=S7_DN92>K& MO'N_=_:IU?X.?[_>/FR:A\5FM^L/:2COE[-5ZD+X>_/PC\C2-''\SYN[TV^C MKKJN0#AVC#B+'=&`1O64DT/*$L\J;)WVH;OO7*:7O@Z M6.ZA`H`*0R'@C@'L6]46,9ZI]!7S]523LXN1JF(J?ITMENFTC^3^,5LV?S3S MQ\VNB,H^=^+=*HKN/U<1J>7BO\WM+Q&E2-*`(W"<7Q"LP%9'Y!"GUA''.:+M MG8,B='DR5LRW5$O&K@)N#;'\;;%:;W;ZR5[G&-P4M=\$07.C;&KV`[0#!%)C MVB`]0TZ[O/SL8KZL6F)5!+SJF;D76B*#YPJIZ1=#QDKCG4:.22X[/*!@$W.$ MU1*FTCA6=YJ_TKV^KQ?]E>%!(0#B3K(:&H"IXP)U^")H39Y7I)CKK);T%("N M:$KY"VFHVYN[U)7`+]=_OLV:;50;!'1460UQ@AJBTG&_ZZN,&=/@;/&K:66= MXE1Q11GM%5/*48]2=LZ!&D4TS=IGY;-.>S/A=-;I,.JGGW5Z41=#C01CS$JO M()+,PVB"=6``2MY"H]_>_.S5Q7`8(%458`>.!-\1:I5OZL,#P M#629YO&K?Q.[+(1^/DF8;J;IE07@*D9=TI_>;]9?%U%9TM_^&>^A=ZO.OZ;F M#XNO^[J__]H^;&;S,U;=P,F"\QQ);D!$6EB`A!&'A*UT\S)1K0IA=K@R5W4H MCE6='.7UW>+AC%?[^%'P0DALC%,`:E@(K;%[=G)J5S'*YG8W!S^_8 M81X8"9@#J96(P10HR5L\)/)Y>F+-TF@7G`!%H9KN:WV#"8I7*$\I'D(Z+[3N M+E9I89Y^4+-6VB@L'PA#G73U-B2[_;C^T$09G"^6S7>K_K@>3U\H\>L"=\9R M"IG6G%-GK?%>=KRA:F(9M",*UP30K*1S?%TDK=ZO-[^N9RE;8%V=Y_6:Z_-6UII%V?FU1`44=! MODTI37'=N[RE$^+2>XZ`D$;,(>H!H`X#IHGOZ'>$YYTVQ;3>24E2*9!K")E- MQ6U2Y^/3^*HV3?2W5.1^\:SF+8\*5&Y`,<:TM#F"MVL M4GY1ZD#5=@W1 M26K7MM6[ADC/]P.#T=AJ);663%@?C1!M44MII#XO%;!8FLVD!>@B9&O(T&Z! M$;5F\36YG7YIEK>'5,<6ROW)N8)QK#R MC@%O5.E-2-CFX5>9I].\!W2(0[=*#IHY:='1N8'+]V)B]CE"%]'LMYOFOO%X_T3W7*08/TX/'"J M(LT*4J^0I4*:>(JW5'L@,E^6_ST<[`4`OHY8[:[V(T+;;7-2[^HW0;`>4Z"% MMAI`&O4!XE'G_3.09(K6W\/C7@3B*0C7KXO9OZ+YFT"Z0,*>S!*TE%9C0-)3 M*B<4]8!W*3J6XLRF]7\/;WTYG*>523M*!FU@$%+MC5),T@BQ20TAM*K;A8M5LD7=! MKFT!@*[B?GJ]!,$01]3KLP0KXU$M,1>&04]\*J;=!;:`=1,KY30Z9\]YF49# MKO;1\MOLX;#0:`1\.9"56LC,ELOMS5V>7(TQ?_!"*1[/8DT(Y!C!:)%T%S>2 M,.\E=C$+K[C$70'3BS`\`N,U,(QYYFW$C>!C\`%, MK(;VA.1P)$1KWJ=QQSPEL'>N1*_Q`1OA+<"<8QW1%U8JW9J]W-+,$ZV8Q5?K M#AT3LZOH7D_#E<=`TQ"]Z^49@I'*>XX=]IY"@%*C`M'2SA7+2R(NEJ-57><: M!;4:$O/;>O/P:?9IO^";U8=FMG3;9,:8]7+9S'<)%#=W[S>+U7SQ9;8\(3D# M9PJ((FL!$19J)*2,_X=;RRA>_YE:>S'3O[0$E47O^FDL_0Z?GE.$2*H`CBB, MI%8206%1JRMR).S9>C-UW0(U]9X18;N.;_M#7.QF,7]H;I-_;)!#^_NAP0*' MN&8,2&H\MU8QY%MJ">)Y*DVQO*?20C(R7%?4?'T3.3%;_K)S[<]6>K;Z]Z[V MUW`=^+69`L0>.2"8,=Y!)R02M,/"<)27,EE*VO!(Z%U%+XYT?&DV#]]2 M(>:'J-&GD(&V1"RXH05GR4RY[J;IZ/!9R MU]%K=@&]HX8V2*%Y-C8HS#RR#&(A@5,`"BQ99Q$0DN?!*9>$5%^5N0RP*\9, M7X!G>,STA4F"TM&*M"BJ;RZ>M#CJ=+@[7CDCF='Y-^M]+H;<%67'+U:S:.B- M4[GJQ&1!""@X!Y@PX"#U;->.]H`(%##OI50Q';E\_'T\K*YC/=GFRWJ[&)AJ MU@X*4DI-)";6>X`5BC>O[LY6"FBFVE)*&DJR\*SQE(E9;87EB>J^NTA?`*>G M^M)CIA`)IQ(Y+Z'4P"(&@8!'$Q+F/=PM=C%5E)^R0$[KHAKE@@K.>2$W7Y.)M_7J.''G3"X=<>0:8)% M`!GG!0%1XY/4IOID+0J:R8E%-BM*4D$4KR=+*L*WV7R+2.U:`0P6HF?C@U2$ M:Z>E3UF_*>!B:!=GT3JSYT*Q..?5I>KN_7F M?M_/[;R9U7.&:&VJ:,PR@"R7VC`JI>M<60AE%I`NYD0>LZ%`$8"J:#GKU3PN M^.@[6-UV>V>'21\KO.\<@:;>L`)(C(W4B)F(<7<_.\HS'R`6\Q*/:7T7PN@Z M1O=WL?M^91OZ3Y)>NWD(E-.<<&>XM$BT!08XACRO`5DYHWQ\SIZUQ4>"KH;P M?-S$)=XUFX_K_D&$5\<$K+SU!GEAE46(*2VM[,Q$33/;9+^%PO-C85*#YVTA MFN-E>&B&LROZ=[$Z,L;TP?!26TD`9Z3[VS&!KFNZ+^'#*0>9R4DH&ZC/OA$LK&K9*. MLKYO/L[^:K9G!>"[+P.T"@NI)&*1EFCB<^D[6B2@>?'H@K4+KBH#ET!70PR. MU^+-GZOF-IGD>]*7$8JHDS6#/6^9,P8&@93)<:08=A@*08[)95ZYS,C26VB0 M40>Q&M*42D-N]]70]]4AMT-287J,#AP"+E)BO)'`:>.5.NKKWMB\M+MR=0=& ME)+QT7DB$=5ZF*[OOVR:SZE&^M?F6'NA^^3[!;Z1UJ:>LEI011"BR!H/] M[8"P,N+\0Y?"5`UL;9JJYC@FH%1*,B\9U%:UU$0Z\Q+GR[YO@2Y\M MWZ?LLR=GY3.=JEU6A16\GVWB3SXW#XOY;/DVV]<3[H5+/9V\Q5H#`:@_>``8 M5%R>O0JGI>.E$+OB&&KA!#140RU12TVDKE8WVJ$Z7F\FG-;QAE'_D^MXD!)A M8#S*(AI$*@KE$0QC<@OY5=7Q>O.SEXXW#)"W=[-3)(7P@(,4!)-*.L1A2Y]$ MB+\U':\WOWI?\7D(_7R2\$9TO/H"<`7&MY2;Y6P;5:S=*]J^Y_WS,4$Q3P#4 M3@)FJ*6[=,V6/D@SF]$/C^!<]#Y&1@_W8/]FORNS^?72LSYV6)S+C?][-C@C0.: M2\4%]A(!+[M@$(,8VFI2D!TIRS7WQH:FSHN\0U^,G<3N^KQNU>/#Y_5F\=_F M5';&Z8'!4PJX`@`X$1'3B@')6TH!A'G1G)I)6[E","HN]27@_6QSL]G!L,<8=H0*H'7@'4&#Y$B[Y2HF50QCDR,`HT-4DH5A`$KBL*#&4^#D)*Z1QTE*<6 MU!)R9$A+DQ*9GO^J[XES67TY&E?(Y3GT^HH_?9-),Q(Q[3%0\?BDG$B&95L1 M)&XKRLYZ(*>5-$.U)98A!CW&0&-&$>NH48)G/CTHGC33FPFGDV:&4?^3)\U$ M6]!"KK6.5B%'E$9430M&/#?RJIC539KIS<]>23/#`'E[J1(2>Q_WCMEY!`$# MR$#9TD??8&)T;W[USIG(0^CGDX3IQE:O+`#U&=^^P%:K6[M(U:Y6AZ[SQQ:J MYVLG])\DP%2KR"(73U/'A4```=TB()6>6&W4$56%8AA5EA+?=&\2>W9..S\X M:`' MA!2!AAI:[I@$W(L(GN_N5NPG%K.O(A6C(%7Y?MD]U]\ON-^=\F1`()[#J+1% M6C0P0CD#,6TI`T[F:1?%8O1U[Y%\G*:AAUZD?P:I(V;<4DP]MH1@YX#J9%YG M/M,N%K2O*QGC8%932MQ?7Z)EUPPP39Z-"-!IAY3!.H)D+(52V\ZVPYY//^?O M4COD,D"NP.Q>/3E>'!&`BG]1)*/.`[B%@NJCXF,]F)C1>3&'3G,\$Y4K<%RO M-YOUG_$D&L#SXYC@"<2$\K@[4E=I!(UP[24'M7W2"6D26[PPU[-QN0+?^W,[ M,&T9MEQ+IJBF($4E6QF&7.&\[)OB2G\A'@]$H[Y+X+#.WYL^-_;S(4$9([E( M!?`M`D)0)U#K/(54LSRSO[AR/S:O+X2E3NKM^NLB^=W]>I.<5JW/:E^8[03K M3P\,"GKC"7.15BPT]!XYU%**4&8[V>(Z_%@","HX5]O[ZB[^X7-2$@E#3X17 M)PK"$^(D!]AJ*RDA"AG5(4%%GJE7+"6WRCDQ%E@UQ.;W]6KQ'0W]FD6\/"9` M;*T61N(4Q(]Z#@:^]75!Z,#$O((CVGEC05*#Y;YI4F`C91HNMDE"MP&84AA3U#Y8BIJ1SLS>+-G]X5+>K4MC5"4KH=E\ M7:26%VGYI[7&YY\&A@6D!L25FWBN6>K]D1I'=)ZR4*Z)XN@;UR7'!1&T'B/]C[\J:X[:U]#^:PKX\8DVYKFUY'.7>FB<4 M(U%RW[2;OKTDT?SZ`;J;E"SWBB;8E&M2%5ME`23PG4/@[(YEH>]$[Y/=(;G@L7-P]K/?0X'O)@3$'980Z$!I!Y"X%++ZW9_)LK& MXU(22U,_'YFA*%^X$KI5P!.H.!5.(\L(U?K9(`+R^G*7:SM8A!OZQ6@8Q?%U M:ZJ+6H+]T,]*>)ID&T&D,!`K$05LVZ&I3-X944Q![)\K>H=H"*98LVW$HFG= MDT=C!/;,"-)(Q"WB'B.'N*(R:E6=(`1P7K!9L8S-_LG?#RY7,06<8P((E&LH M!50@BC5$*>Z`Z"QBD;7S?`/%$C7[I_.EB`Q,X=-]^OLG!2(`AQQQ1CR5E$O- M)>Q\6\KDF7N&+-+1@[GG,DP&T>NK:36/"LF_JL>U6>+FX6%R5\\7J?-)7'KU MLB+W+EW_A.F!,&I0PA&0N&&FG:*BW;6P;F25O?H@WVL#0/\H#7+/W]VMOE6S MNZ?#&N#+80$A%I>-0/Q;``.T=*8[UYA6>3?Z$+:>OFA]`1I#T#1U-O^6SKGC M#O[70X,`!%EE'9):40>Q\+)S;P)C\[*QAS#G]$7;"Q$91F'KV@'>UG=?9LVT M>7Q*@875LOHT;^[JQ>)8`.41VU$F6`)$P91(WO.-N@XPT&KF;_Q#=>8BQ/-I:[FKFG+[XHS!B@UEWMLL[=#A\-R[$-3MN6&I/3CC5R7/9 MN;2\%GGFW2$L.;W)?1?`<1WU_BRU/I#4!YI;(K@VW%AAO>V\51QG]N`9PH33 M%X$OQF0@>_VV1ZF/F)AFMIS,5E$.>:[,H^LHM]0O.CV[OR,ND1Z3635_6EL^ MXDY3O9.(]W1MDCPA$;#86P.5UC.,!-'8:^29=5UH/+22Y?%=L6)?103-L8`[ M'`/'7;3!\O4L$O`X\_TP(U!(&7+,1R$;>ZXP8^39GJ*.5W,:N'98,KE\ZFEELOY MY/?5,I5QNFW.OEO.?E9`!GD=16<0V9QX`S#HXFJ0\#23.=Z2#;(T9H.H(=^[ M1(^<#3M&!\&C_NTP,\Y)8*`%W+>J%8KG7.8%\);LE9>C,HA)NIK/4C9<6ZM: M5XO)W3H7>KI:UO"%/?$+P%GKHN65:>Z),L` M=#7F.)<5`N)"`RF-YQX")N,7)-O`*H2=R;-.%!,7>J?6*=QP)D;7H/UV_V=0 M?SLC.(HA\E&_80``&;5UV"GJ**H_(RLQ,#3]\U!ZP0&]UQ>>U_>3Y>?)XH^U MF#O=U,N95=-?YM5];>ME-;E27^YMK_#9X^?ZKI[\F62J^%-BB/OG&C_O3R@_ M?-Z#@@0$,$*18BS2V'B![<;-`+W4C!^-DRP4/'+WI;Y?IM_KZKI M9/GT;G8_6:_R:%GCWEX2@([BK0'(>L&XAD`1A;;08\*[AP7C*&%78&D`QK'6Q%Z&&(VQ3#\63AD>,XX4BGZ[3#&.0R1Y.%$9@KPELCI7\*'R%>3A^KK M9/JTWNJ'[W2(%S0^,#I88.->A:=<"^@I$)#(=IT>@Z'DGQ/5H,N@;OJ&8XCO M."6%QYMV4DV?L\(^-?/E0S.=-+]N!*&]E#__(0'Z"![6"&L-$>#&@6V_J(B` M`\\V[W'HQ;TP1'&4AN&3V2(*S7=KY?K@<7!D1O"*8,*5YHB0N!=L+&WU!R$H MRK.,%+.1]\P!?4`R[+&0UGG&`?`\/&A+,;&1>8E$F'CC%5,=$RN9%[I9+&"W MT*>>C4?6G7TSJV\;WZSF_M1[>_^,`"D2'*5"'"AU`@`>L:'IP@%*&]TAQ.G(6MCV?AI?A,8PT4D; M._3&:*%2,O\B"0I';$"'I@4,/5:$0JR99@`[#$2GB;"(YD`RV%NS\?2(Z34Y MYZBN?GAB@'%K48`)W+%16C]S/PQ.JO.&-GB M"@&1U>*X3O<\*$CO)$?.,$!IU%<$26'I6S<0`&/KY=47.5['1.;B,4BB?>H_ M5TT_Q&U&E(_2=M?P0#C7#E#@'(@X>,8A;@U6$BDXLD)ZA:C<`S*#T'OU^[HU M=S6_/T[LUV,#\#"=9](P1&CD8P&4;_?CL,M+KRU;3+T`I2^$90@RVV;U^_)A M-3U*X^\'Q@,*::Y8U&V4UX)*SV7GM[>$YMW+92NH]T_@BS`9@KJ_S::3/^KI MTVVC:]-,I_7=LM[E8CI*_?,>%)#GR>K(@638.Z@$!AV?@]S=7J05CK/H%Q,+QPH]O%BG`J&/KDJ$T M%8IM_Q6"]-_-_$,S/Q(&W2[O\I6T?ZO4E7"3G_0YK6JH][_JRG$S>U[8,`OX M4"VW5;MO'EZ0Y9DJ>0'I>YR&.]_P_D!$^0FS`D'(0J*@$Y`3!;``1&0$8`%0\TXD`7EF"DWS7KADB-%0\VLY@[5XQ;TK@42#, M^CC17YQ4>SQB1V8$[C@7R%K-&63((4F$;S>)F,JS>Q0*>.Z-8'L8X#)LLB(6 M=K]]KP_BZ)S@!2-.8&HX%EP2S+"6W9H5X^-S3_5&A>-4O0BCMT'?T;B7QD?6 M'LBI`)#RI5!V.+IHS_#`E$EA%DA3'%5D3`R5W4I=;M1)[TI"CX@WO8.21SX( MSR+?[N'!`VLEC=JJC*O3.KZ"L&[;@.=I^+U[A4J1KQ=0\LB'\%GDVST\:.(A MTZGACW#<*$4IZ.1$IV%>;GKOKIY2Y.L%E#SRD52).VI]9Y!P_Y3`C;."HGA8 MI";>2J7UMBOV6H^DVU$I,O8&S!!&M=LH+6QW_:S;_T]=S6]FAQ*1#TT+A"(6 M#QQAD2"80'3^Q(NAJ6T%L+P'-5)KC]J\EA@C@M$.F\[5[#NOKQ>0EK+7@O5*7.3?4?A*)L@Y&G4""PS%G9GFL5Y M1W[Q&[\W4V4!C`;^Y`^%[+\<%KB(IQ.("P9&VJA&:$YQMPO#\RC=>SC&0)_S MN7!D?;R?ZOE=/5O>/-PVRVKZXNW[OMB]$T(\3J2USG$F.8ZJ8-0LGE?K\4AR M:HI]IGT!,X#/_.'U41?_*?SP[D,NQ,,3`A3"15V0&XPCMV!CH-QVO>/: MJ^/23&_[B1?,/F_B#V,"HEQ1!A2!P`GM>(HN;%?-#+QJL:>^`&_ZV7P!9V$. MC=_7C]5T`\L>]^&.48%!;SWB!F$`D?#.$D[;K48E8Z@,EY-I-=#`D8"I?X8DI"NAL^;':V8MWW]#`%42.:DXPLL01B>TV,VJ]_LR6R[T;*DM= MD)>A48J:)MZE\VKZ+DJ!?_^C?CI(SE=C`T`^:DY1?`=28VLMT0*V.T"*YX6` M]VYS+$;/R^#HGZ!F-9_')?G)XJZ:)AN(6[<$W/>)[AL>L,0&``TA%"AR)3%* MHW8?UHH\Z;5W"V(!LO:$2*E/U4^F]=S$]3PV\\,?ZG&KX<$N(=@2R34`GA*1/44F+: M]4JE\_)N>[?_%2#>!2B4H]JG>CYI[@^?JSO'!@2,X%P*QY"WBE.K='?;TR@6 MCL,46)".E\!1CJ#/9[V/_[)/[]\S.F`HA82``V<9`Y90_7R8:"7R?&V])S@5 M).IE@)0FZX;E3B?LB_$!&XH!X4*[N&[H9?Q#M3N)DGI>"D#O/2>+DS8?DOZ) MJ^*R[M=+FU:[VHC_,"8`Z95P"`"KJ&=8Z^1J:/?O;5Y01.\-'`L0\1(8BFF: MS=>OS>S797/WQ[KUQ^)FM5S76-C=%/ZTB8'$;2%AM%'(^_B_T[@5S4T4&#*K MS_3>:K&<$MH?.*4(_Z]Z.OW'K/EK]FM=+9I9??]NL5CMC'0\.B<8H%),G\!: M^12CR;$0[8XP)YF966_'AM0/+J4H_<]FNIHMJ_E&YSKL[GLU-G!`G(*4.PFH M!\`YI'F[`XEHGJ+3?^O$8I2]#(]BA_;&)/*Y_M;,4S>_U!ANKS1U:$I0J3HG ML=AS9ZTWRK41!&D_5F:FU[T%LU*/L)0B\Z?5[]/)G9\VU:XHEYWC`DH"OC8< M:RL](,:SYY5'>>-H8N]N@KX=NU(^%@7C6=K^:JG?9I3=M])!$@R*19V\>N6F MK5OA_/A=[RP<7..^?ILV3W7;R5K-[M="5T0XU098<]6G:6H$"G M7GG[Q59W076X"GG6\P)14!ED%.?.`XVU8[QM"VNM0$.USCVK//G`;'28A(^5W[.%:->N^<$-5ABZUC0&H3-P6EZ_J.6RZA'E_0UT#T/(%[+D'PY^.4 MT<27O34&&0-CO!#(?XM7K:FF=ZMIE73Q[:";J-`]KB7YS^LTB)>R_;O9W;RN M%N<);+V\,5#AA>3(,VVB+*.LUMMV01';J+".I$;&R(6Y:Y!B;&S^L=YZX2=W MV_&FV12W2^5MWS>SQ]MZ_O5SO5S-9S?I.?7!/+72KP[:FQ1S!;A#U&&M").P M.U1T9@OB8C7GWQSC#T"3L7T!/WSKZ;),G5P_[X[GZ?T=00').%-"ZWC/:$P\\/L$\&WU>%5CXMKNJJM$@AE`,'CG88 M+81:U\'LZ!87^_9XS'C8VSL",XI00A"#@BDC%3*`MAABHT=A0!R255XW"KD2 MT*,U'6YV]+3I=7Z`0[\;%Y#D&@D.:+PBN*".1IVTW;R5=)2FOBN0OND/PR%$ MLWQ/U`3<> M4/^?9?M!=W16S#?,J>=PZ)Z",Q^J6;598.HX\;A!/BWC<$7((]."I1AH38CV MR&OLA!2LDVB<(4>%WV'-AM]FJ8C2Y,_Z!"XX-"E(K9B! M%'$-L63&($H[QL4PLU%K,=/3B!BA1U1S>0&2?0LXRA''I@8KJ+<:0`FHE`Q: MQD%WWRJ&\HIX%^L'.2J^Z!G;+.[XM!&ROL575_?_7FTZ5>WCAYV#`[%`":I` M9%RO6$2`2]>NTH#,^K]N[:VISG'ZKEW9?) M[/&[WV\J]1WW@&0\-#@DO##Q@'1&>1'O2]1F(46$L,_S7U]/`"EG2QP,XW%S MXS(,Z\PI?,P629X=N>9GO>`D'I]2X3B-8ZT!B!J`;XS MU0++1])KX?I791D\KWAP?:C^GGQ=?56SV:J:OOQE2D!I_;G9]^@Y3P^ILA0% M$E*C/=%$"O[BB[(TK^Y6L1;=XSN\"H(]@IMUL>M,WNSUG_4B!4ELMU8]GA#R MTL=;`D$BW@$$IC(^'G)E"7SQD9L\$U2Q7N'C8]@!0!^"<=5T3=KZ?C?"VRZ[ MAWS&)ST@6"F8PNF[5=PH`X4"G4KF,NGV8?5PE8FP] M]@NU6GYIYI/_30FB_<N:7WVD(CX,]K M0W\]5GZ]\-]FD+^M-\\WM?BW6R3 MA/3+O%D420?8_[9@F6%<,JJ%=D!H&BDN.J^)YIDEC'Y&U]3UT<\,K5M;^C[7 MBV44B)*BF^2EVT;7ZP75]RFTXSOO_?YHNW.?%)1A0B,F?=0K..6:4D#:_4&3 MVY?W9W(R#8/L$&?A%H_%;=/:CP^=93M&!TX=L=0Q#>*6/*9QA^WY+BB&F?7Q M?B;/4G_HC?IV=/]9K8O5Q<]A78AYL4ZWO/U2S;9GZ<=F]F?\6.K[+)=1U8?[[F>ROL3LE9/FA^T M`51IPKDTDB,0#RB])8T"2JB+VEKVD9AZN*S,Z7"DL M#\&?CU.&YY`BI>2&9Y`Q,,8/96;.8I$?9@<0<8-4:RH)I5;\'WO7MN,VCFU_ MB??+(Z_=`;J31I(^\R@X5:J*T8Z=8[LR)W]_*-N2*Q7?1(L476D,!LC4F!2Y M]B*Y2:Z]J9C&'8H>Z,C-?ZK=4UIO:'B\QN'(F^!7A8&S2:K5BQ[/"U:(>0M# M+R52%G,`*7*P[6G8WL7=*6;,@9:6&5=`-5)JLC8[_&\!SC].WWA<4+IBTDM& M+,#,:^`EYLSY;OHUD9J*C.G$TM+C6KQ&75Q6?TVFIW1IIPM6$%KG$8',60@8 M]U[I;HI$$,1MJY,=)X^TI,1`-0XI/M3K]6P7WWJ5\W&JHDHS*+@V!`'MN&/& M"=(-#V5(W'8XV2EN;M(,"-TX)/*3Z?)_)K.G^MW#+HUBWPRO!VNH/+4$`D41 M)CRX8T0BT+GLWMJXI);)]/VY:3,$9B-Z*[,V`^R^\1_6T]GL]WK6;WDZ6UN8 MB#U4P!HC75B>D=]G"`V8R\C$13#I21T4E MPQ0Z:H1UFG+B+>ZPMBY2II9,6)^;/\.@%J7#Z:;`/6O/>+F7%*LDEIAZ+323 MVABK)5:H;3G0-.XUT&2*\C3V3@#4Z!YNI'-RL(9*<"6ALH)I"I!@`%'738K` MZ$AI0C)5]HA.;31H(WFS3XT>8/N.YM:UZN?*_E2\HI`K8IE%#`LE+93*X[;7 M!/E(`?^K.8>]&K$L2KSM=;-X"[:*U(D=<0_"Q\+]CW^LQSRUBRNH.`B>"/`*`4NM;O:\>&L(Z((/ M>O[$>J`>'=,P75ZX\L)@9`@CED+/I7!6JUU/@!`XTK$81KB4RBB+Q"@5*U>Z M(B8S;+5^BLH\(V9*\+6*&6D\8XH3Z403(`>$:0V!6.39;B*I4PI^#1=D.Q#$ M-Q=='IG-_*JO5901S(CT``*&)*?>*]E.341I5*[B:E2&I0PIO\HR_[)^"&R+ M4X_]ZF0?X)!420!"]430,SF=7_RN$A)ASBC44'/.H27-:S*[MB%AXHY!,P=G M9[+.8C@-_/*'%20:$@[JH[<[3O*&:^#LBB(W]W^]IGF9J2 M)S'ZZ5L51]H#Y@CP1'@%'*68=V9QV8X)SA`S\?E6*?!FH^NG@<;VSUG&_E-/ M'S^OZWOUK5Y.'NOW=6/7-H7I9"-I:9Z91N=(/GX+*R0(!@Y8P5B86PB`4G:V M&Z/KJ9&;A\2G6E`Y[1#4CG+*G6->(\Y0BSW3($X^-7CTR.U1 M>T#0"Q"VO*W7VRR`T[N=R&=7HJRT/ZO#TJ/GO]A<0'\,+=2A4?^-,8`N(LTA29A#R07&J3^RECH%3$44\NDXL&GX;## M#LI<3V3W3#J4@RSG\S0DA[M8$5`9.8NPPQ(`HC0S0F..'%$=F-*(7+JS7CF+ M,M-HD%Q&_7"^O0PU4@)FA=5"N?`OKJ'=HZD<$.4J:Q+;\^)4-7$(OCZF%*=& MN16"E$",8?+4.(M)V'5[2:@7S`')=Q%FH:<,1C[RFS%RI@C7Z@I$H^ZO#^_# M_IXOZ[O%X[PY9#R2HJ9'Z8I*HR7&EAAO`&BR#D+<]D-#%*=.RAC5DI$9Z6"- MHL?1G?H^9M!\GBP//B/9KX)*`\D<)"AT00$AB92,M[WQ'L9=K67,8Y2;)*F0 M'6<):AX:;#+__YS;H->"=+R:"F.E+;/*2D,!H-X@HUL4!`9Q"?8R9D,J8GD: M#-]Q6/9LS.S^VMOE.5Q%A8A6!$/$&I$R0HQ)#/:.(S][$C=VVJ0BV#4(MB6< M;R_6];%#[+9IZ5NQNQ->3N^F\\<_%_?U+(S4IR^7Q([F:^3U\:P%QHM<<@^0 MYH,5%DQ)Q:QT3AE@I*!\*WG%1%#ASYX,)D*WRU<^<)#(Y>\0I/API;33`(>- M&0(4*>,IY:Y%.R"1*\/SR3N$L8EV]*6#`BQ2[#7#YAKX8VCCF>N#'WY7&08T M)MXH[[""0$O!>=MY8B(5Y=F>,AB7#R_?1;\"V"(D):MCXH)]S^;W&Z=K\B4V MP/&ZSU6$AZV"(Q9(!Q'P#&$N.E2#SU?N[4,D._KJ0_*!^B]EAT&WN&N0&V9J M@0PM.FQ'-^JT8%(M'.&>.N8D;?'$F$>F+KN)>+(!W-*1S?%O5$*9VG>)H!:2 M!L<1*$6L$!!VDQ0/_RWKZJK$076;EKR%Y6;\U],A]MH@KH);X23R!`/+6DP% M47'NT&U$JH^_Y%QOD")(?M1U/-C-5/$/P[6BHAH01!G$R"EJ-*-,PFZB03[N M09[;B.O/,"A&,U26P=(@_&:U>JKO[=,RK%[;7FRM\?RJI.W(J><7^E=64<"; MU_:@MHW""#N-<;<_%(;$Z8HS/^$]'G53XWT3TW7;N=%G[%X-J3ADP2]D@'D$ MC`>,<"=;2W@&XR1JR=ZO*8WY)=NJB%%SIO]^L7RHI^M&F=PBD-"3/_"U2B-L M``30$(8Q)0)#TSF..NR/HOB?[-V=6^-_%;FUXC&NM(L9.T0DKP@Z)"J(P0IH8);&B[O_JPG37379DK9JI+-;+):31^F M]?U_INO/T_D?];=ZAIL?;UHWIN*P:_7NA/K#Y[I>_[9_32>S MYJF=K99_T@)<4 MKZ3SV`NG&4/&0L(%A;NQ%?[,8-Q4-["B+Y]Y%\D13*#`.Q+*M!WZ^PEA.T$< MT=>=*5$QR0S22`+',4?66Z?;@QO`!2Q2:3>L]18I@(J*4>OZM6W&5EUR5!YT MKDAEC.*,$1_6=RX99PCZ5C$(),&Z/%7:8#8X^)[D8!#=@G&+T6\59]/\>Z:N MM6_F7Y_6JVV;CR;9OJ!4!;"1B&DAL778Q%3'EN^KHTW+SN=TH/?[1012@WSE"*O&;A7U`KXML>$H(+ M,?[H/MY@"&;ER,-BN?JAL1LY1!,Q/YDUN_W?`N9-S/PIW5G_RBIH'/68(8:$ MUE##`$6[$P>,H+@W>I*IP\;G5"IDO`7\OZZ_;, MIHF@-6'?MGKW$#5U#5)_A623\1I+I+S%AC*F3;G84UIQ\_3U??%K5RV]-/[:K__LZ[*SOIK/I+@-J\TKN1BZYFF[/SCXN)_/5 M0[ULLG5>XF\-^\5*4T:8]X!!$/P2+#BAJ,,6TSAI83(5U?A',J/"GX/:F^P$ MS='RLO[<;)Z^A7[=+;[4^]7C]\6L40>WB\B[^7ZHJN5T%?ZOY[J"VZD^67F"G9;.,.PP%]8B1#IK6RCB3AF3Z:Q&(WY(`QC=9.H83,4 MU;K#7'U9/)U\@_Y,R4IZYR76P&-GN"66@2X.!3@LXK+-)U,VC<:U86&,.NOZ M<[%ZZXI>YZ?2L)VIEBEK%"&`62)A))ZCX@4W7$!X'%)"I))>[(3(`&& M6;8C.T*4_.+,O._*^T4FRNUT*A)M./H5]8N-$[SIP_V[?X/"#T/[E#^WO)4H9XCL5 M8#:,+N`0])I:ZA3<+<@((\+/)V+H>_UXNM$_-?28%N7Z2BN*$*/.4ZVQI9@T MN:I]VW,AL8R:3%,I5/+:^N!=9P:0BTTC]4SRT?WS]VF]#`W^_'US_WH:5T+5P0Z5R M2FM"I-)6&NPA`UH;A%L^/"5.*D-?<.@[-(R_+JV*T0#=))O*T`G!*)W0 MKE3%E9`...N=#;VD2&C2]9$%#[%0J).+QR<.*/Q62^.4W;B3NZUN_?BCK!C0M*5Y@SQQ$!DF(MO+>,2M#V65*; M*Z"D+T=&V;BGPS7JQ/S-EZ_AP\T-4&A.(ZKX\+6^FSY,[][7C;2B5K.-N0XF M8>E7014^3#RT3$H/-0UN'$&\[8V&+DZVE7YU&>]X)Q6TV90L[^O)S*V:2X2` M3N!YO3TX.OOFS?G"S1N9V#G.I,;-O$VNJNP9Q=38WVWB`N4`@-Y(3-AA>14>>$XMT`PUWA=(&\EYLWIA`WGX(WL(= MR+/Y$?2HI9+0&*H)@E`[`H4DQGH"!,"0>Q+0N8E+C>NL M^U(JE1R]K*=+^S8W<_16/7K^Y>U+BE>6":RL"%T5P.O@AVK=C4N@45P6JDPW M%X-2)@%:O^9L4^CITR!F33C-Y*>.F2R7WQN]:/TU]"/L23>8Q-"G9TV5`)IJ M3YVF=RJ5[(@S!X\2PI?5XTDL+O/`2F*MD=)*38FG4/EN^"`9 M-P'U)TZ1VZSA<'N]>A_HH;,(4B,]ULI+2F!W2&(])S>QXQK$T%<)?^)@_'5I M5?)FK'PVE2$/N4Y&%O8F*JS8`$&#-IDAO.Z05,R#LCSG1/;K(2/KA]=MRLB8 M#GL`#*A#A$#@%.4&MGV$P;4KRPL>CQ-Q>-VFC`P*IZU`FG)-'%!:(-ZY]DRX MN"Q2AS&A(C-.E9N)KO82\Y4@.8@U/MZM5Y.[];U_>%>G.#1N:*5M`:1YLDI MUYP@(("TZH:/@ZZP)TU'H\_`..9@S=`I,YLR(J;!84=+B)9G3"2DJ[A15#&?>` M;KD9RX:F24_\LH79O*_OZNDF(65$E,W)PA7'4HG&`]-*"BB!Q[X;#X+ZUY;B M+)8Q@R/Y.D*TC%&4`D*\4\$K:T)6]V<4P7OC4>PI-Z795>P9%,H<]'DS7]?+ ML)7;TSYLY3;1'F=#;+LQ$X;JG:GX._&M(,BV,.SMCZZV(U/3FCM#^I M&"8*2VA4F"Z;R'B)]_,D8BC.Q86O[PPW$K"1#E+T8KE<_#=`TO/HOV]5E4%, M&ZJQ,8P3C`PFD&S1<$!!%!EY\OK.RU9?8%1$3O/5PCYGWIU-Y<6#Q]5^ID(`L[&4\)EH&3"6@UK4X$I/MN;D^:5KS<>?8 MC)@=]UN(6DXJKH?(,>8QAA`";;@45I@6+HMHY'8TD[@^)UWB-/C]X'V]8FGD M/6.0.,DD,`AHC#%H<7#0X9O7X%]LZ*M4TW$P_KJTNE4-?AEL*D-;>YT&GSGG MF`"20V,Q1L!"SCJ7A)*XNYU"-/@7VZ^'!K\?7K>IP??$0\80`IA1#B&QR/JV MCYJK.->\$`W^D)R(P^LV-?C`.X^40-*"T$V#(=CS'@D0EUJC$`W^D)R(P^NV MK^Q,F`4--80;1)E44C(AN[YZDFN/%)=/<;1-_;"HGF;0D02NORV^U M;CHUF;7OKX4VW2WNMEU5#Q=>UUQ=9T4D"MU55AK#L*6*4]-A&=RZN*1TN=*\ M9F=2;KRC./;BBJEMG%DLO_8C5N^**@N,#"NS`Y90(8&GC.&V=Y+0.#;ERO,Z M#IM2@WP-A5[RNVG48ADQ1<765X4N0ASZ9HPP7F@BB1=M7[&#<:J$]'K^`@B5 M&NL<#E3;=CVY^Z>^?_:0]HOPEG[:ABMJK3RW@&$*F&#``TXW__]8>\:J/F]>JSG=]^?W8\_\SA/[0D'J+ZB M@FDHC.7>$,.1Q)Z3SLU`).X8,GW`PMBW?OFACUJ>-TK59\.HUUI\4>&*JK`3 MPE@1;+7C"EAK47<+I6#<*67Z^(4Q%]X4P-YBC*YGDH6YF1M.M-5&2R'W_JEV MNM#@A9'GGL$`S4*9#5;]W*ZC99J'N32F5GJO%$72$PGW)W<@0#@N]8)9)0B"FC&YU&Y@Q MB_#9\_I$9]!WG^O[IUG][J%M\8'.G%.A75Y)1728D;#"RA,$&<(`"=6B(*3* ME6'LM,AL4'.^/&1.A56QPC!U=[?)AOUVL:[_G[TK;6[<1MI_"??Q$4-#L;O2QV6[U MU*OHYTG;'\\`B%,Z$"YVRK#)S2H0,"M,*F=@N)=.M=`&4RT,XZ@@LA+,>?W- MJ(=I#37DY4L>C.1YZ_)&8FP<1'--&$`$&)44M[,2@LOIQH'56')UOE^L74X[!4'!^YH4K1H0!K;$)3& M!"D/'7P&F;STSV*'QP,S8`A(ZHJ%;?A#?P'P='FC6/P22<,U4=11#%):U,X* M@.6%2A8[E2VTU;/QJ+6I[^.+]ESCUQ*Q'2U3H5]CQD*.FBK`_G)"GXCV6\X?++>A&O M_G-V\UAT84@:OOV$!J2V6`A,*0>AP#/-;8N=I"&/BN5B;B=%Q4$@G0`=2\K# M'ML76XRH`2.X",1YXKCR+5X,%,ZB8+E`W1$I.#B8$R3?T)*PYZ9ECE-)D/6. M("+C3T3B;M,ZE-<*MEQP[X1(.`B@(Q/Q]9SRZ/9ZE"9.7#DA*8%H_`A!N,2M M0T,JR.Q(72Y"=R12G0C;Z-09YF/YABQ'C$4+"AOBJ9=@`N6^/5F5)(B\!@+E M`F='H\^)P(U,H"$_>#MDL:40;7'BE([FN06@@SZ\)^CIT/::06-$#<@OC.(`I"\3+QR0;B3LC&'0G62 MO&Q+7_^VO%C=SE,'J6VXZL?YW1^KRR&YN?=!#5=$&TX9QY9)91WU1K=("G!Y MB7WE8GXGQ<\AD9T`1RM(SOX['#CQQ')D/#"-D;'!=GY-0W5FL$^Y8N@3,DJ' M`G6"E"PD-(_;V(H'8A`7$@)H9$00W:F>E,IG4O-='F&4!'9D>@XL'7=O6@M. M8BJYLLP;;HPFKD,%O,WSSA6LZ#X2W88"<&1:%9!P^S>=--(R+5FJ%>XX14(\ MEFN*Z#B$,\]CW]T1Q)`@ELSTVK[>M]G_"I95?_8,M[K]<[7LO',\O)9"?V*;_+LG]_B$[[-KFL^_65J8UJ' MU*3XL1!)=]W7^$G^MH*KJ_C7Q??V-Q5?LW#9_R?1_W,&=96'F=O5^F[Q?_-+ MM]JD,@6PN5O<)CWH*4ETQ!S,9^E-W;L_]:[8\XG9?V.#I%+!.*\49B!E$%$" M/V2[$BWHX?95%6=[1)[EJYL:B10+/G`CB'.$6RW=8QD40HEUM9)0]N95#K50 MNS,J3T-ELAF4'V?_7JU3J&#\G*6>*FGO_N?^10O5`\F2/4=HM-8B!,^Y!*V( M3*U:H`6,V4`JT2@W+S)[_5\7)"H"5Y626(??_&"66^\Q&HM14(@I+!S1/,A@ M#'ZDF1PZ^PLJJ/Y2]W3RS\^N&C.URT?9@G-$91&QQPK#"ACDH-0%KL'*-YM22+ M^5?+LW(<7"MR,FNSA3ZBTTR"SD4"\DN3Y9"P-6@S5;:'8716B>NE(LQ+H\,89"J@83=I>[?7&*M8<7/4=H.%,`3H@@ M.?:!8,:][,P!L!.KZ53H#*4,6.,2Y9?U:K/YQW(]G]VD]_\EPIM7L?JM@1HB MM#&>$V6%HXH$S\*39X.KB35&JDZ;`3";%'L^Q)^&($\:I['&"NT-5E)C;T!R M8GF+@PTRS[-3S(X>FSL9D(U+G2R>-`YIY!PHXK103E%!Q1..PN*/'9],.[]:K>=;U>O;'[/EM_EM\E:N?SS$]!T( MS!WH"8V5BAEI=:`\2E\6T<*TQ8Y;E%?IK)@]78A;XX`Y)A&3#+U872_3Y'Y= MW5PNEM>'M*!CAVJDI)AK"0(T6$9-_,>38%8RK]5H,>N[,K4&0FUB'$H?Y+U? MN:/':EB$@T`P@6G-D`=D=`<\8)-7G;68J3X^B[)@&Y-&?3J;';RW80@)QZ6F M&&GFE3'@?3M?2='$LI8KTR07IOVTV%&3N;\_9M_EC1`&TSA_%23!TG*A4>>Y M3LG]60M:+,UWX`4=$)DJ/OT7UOSG92^#9_=-#6$2&6$(1B"5TY9XKMH94DTS M>W`42Z4MM)L'`Z@N!=('Z&@*O+ZI\4`X,&RC>,$J6G:8:-V!%N>>1X%S<[X. M!E"5',&GF1_7WVW_C8WT%DMEG-8!4^N#M,ZV,S5:9X9_GIM#=5"0BN;S_9Q> MY&;K]8^HFSXTOWN5:]3-)C4520C'"[_,UXO5Y>K6<7=_>SFU:K*9_U M]?/[)W]3"M)QLYN;S>>KUZZHKD#^&.\V0FI:RA,,B^M(NU%;\Y5*"P-`B!.? M6E]00<`Q21^"KJB1EMJ#[M;S2`LCUHN@D+=(,:X"Q&]):&?)D MJ/YI8<>A\G=:6.,$<-#(8<62ZJDY9;(%#$QF>?WQTL)ZKW]F6MAQ<+V_5![F M6<17"8@;-Q@%X"UMYR\4AO-/"^N]PMDY/7D8_O6X5)]#`Z6%C4^A=Q0O#%@B M2H*.UI$-DAOFNID2AL\V@:OW"AX9+WP47.\M7IA+`]H02UPTHA'U*FC>SEY[ MF5=Y=P)Y5;ED*01<'6?4R]H^=KZ,B[.WU-G;=S2..\?`8),"C"RV2+<=DXWT M3MAI29!")M,PX&2=)WV)BGV<1,J>>N5W2=ZAQ?)^]2HB[,MJLX5[UXE3]H"- M3_VW4,I851&X.$>..IIS[":6=SDP%:IB5]E!^?*=M[Z^SBWY^>J9/'V'[BYO ML2..*>7CEQ][!:K].&BMI#B8474>[BY@R"&K,25QKMP+@\DCV[72(C.KL*Z[ MJ_="]7=W'8?*W^ZN)DHK8JT67C-&H\ST2I$6,(,S8]K&EPZ6W?7^!1Z/^XN:SP& M)XDT,@0B$8*VN6J<:>!Y&<\3<'?U7L'CW%W'P?7>W%W4:86P0B$:?"Y(9@VP M=O:.B;PPNPFXNW+)4@BX\TN/!^($)>"9DU(@;[0T'8""9!)C`M5\[D)>LZ>QG*^Y!OQ4X#T/^G[[[_SF^_QAOGUR2PH]L0F4@U6"2>6\ M4]@@(U&++0J0IZ^/Y2P>C[I#@#MMXK:;\_/ZPVIY/5_7D+L'GMD@T)X"%UI3 M`$,0I;15C#6.W]!I:0"3(^^P\$Z;OL\W:#O?LG)W[Q,;80/%2$F,L.4VR@6E M1/=-LRBO0MQ8U1+J4W=(<-]QG1:*733UF`&C,`#F`;KO#[&9845CE4T8GF2G M0S9MF5=6OCW;;I@@4%I[K+4#&1SBK7FII4=YG^&Q2BC4EV6Y0-9*A[^+N+[. MU3[)I-M#QR+/:RP7GG",E;(>$Q($#KS#E<+$>M47(N@4H!VS@D,IR[S(\QK# M(,(:%+;4>L&E`,8ZTQ%GEBH?JU+$*90=&]HI2]F]!EP!*;OW>0TA#!.(]J(2 MQ$@&@DG7K;(2>5)VK%H8M:7LD-!.6">6"\^\YH%$R(SE_Y<3EUJ8#88'_H9]/M$RU!#-R($ MZ0Q8,(Q;B[P-U'1^52SS"N7A=>";:"*=.IJ:Y97GZ8SS:/$4P3 M*0$8%LO9\F*QO/XZOY@OOJ=#XH^KRX>VJJF5ZH<>Z=&]QVBL("ZEJD,`'Z5U M7!S&&3*&*DY3OZ)#-"Z=*?W&3+ZM5_?Q?Y/UKI/+Z_B+9WLOK(W*ICQ^V ML9H@D"$$I!US$OF0OFH/2'G$:X5M[\VV+K#N.Q.OBT,XV=1LM-`ZQ6O5`LA, MXB[)I=>1-_50KJ'9OGS)@ZFY;UW>2$XY8NE3K`73W`0*T,XJ"H4)9W3760XV7+DX$T@EABA@S>6.<('SZ\W3>W^:WYF;F]5_XWQ23G'ZZ\.I]N_WM[>S=?$6@S^_3G*]5GSDPE^ZQMZPP!$BMEA=[C^^'7^R=I_E`*T2C(<_LCP/X7$YDD?",\9"*Q)'@ M"8-H"K>SPD&\US/[WHO9YV@V#\/WPI#)>:_.AQA3.XM%5E#J*$5*<4*"`D([ MN8HLJ^:H/.&(KC?D/<]BCX,DS]T81!XC]$RGE!O#9$T*O;`-!>.J18!#W1B/II!"%$B1OQEYQ<.".K7&G#(A@G>#(<2Q,*[HL*)37[Z)8[NO`#!@"DG.)K)$8C-4V M2&(U8IA@C5N=Q3IB\F(GBF6K%MKJV7C4VM3W\45[KO'KBQO,O:=24V$54UR' M(+UK9Q1LY@H7RR<=?"N?A$:-]6VMC&T6V#-/V[;6JYNMUS_22?EM,DOV+/P1 MHS2,@@7I=1!,4`"OS&/+T,1Q1R?6_*&X0[(<=%DJ_5,KV,]7Z=72/MBET+]U M;2.;NRWI^N[B_[>5[V7U[$S2S4<`A;:S@*>B&\`Z_^,/$E/KBN[X`9G6J M",QNHSGRD-P\6R8=9K&--8@8?5XOKA?+[;%QF&]1>W:U7VP>$/V\?IS=_KH# MPSVF8;??$,B\Z.UBQD1QYHV([9CZ3'"R\):4S_F!.9ND8L`D5N&G!U+BN(HG4O(B55.6X:#HTBZ@`E8VRE:G-J\\\FZ MT66GKWTV'G^)'%&;&MU)[H&GG$J),"4=O,!KY4D-GB.::R,7AW`*I!H[^YU2 M+0GGCC$G"2-6>P?=1]EGEE>80/9[*=(-#NDD2+C:W!5DX>'1&ZN=!,^U\3'%Z/AX)AFF4S_G"^N_TB'9]_GZ]GU_&M2ZEYND%VF MT^$[&Z".L&A`IB-^2DFT&+#I-`25F:!1+("B'"?*X#78>K]BXC$+_NK6!B-/ MD`:G'"?,.FNE[#1_3\C$PK)'6/'3`"MX#/EIM9Q=7*SO'U3\_V_OVIK;QJWP M/VIQO\ST!==.9KJ;=.-N'SE+K#:B?$(/??#P\I@#&<$0LIIHH#J3G2M$7!,AYY3N7HSKZ4^CW%\3<$O#_= M?"=L33N/P_1(A'/*6$RX5=JVT`+/<^W.IG/S13(GI5/O-$POQ66C(+2&0T`8 M(8(Z[YAPK50D"/E.G7I'*_,8WTT_+J9>5&%-SZC&)$!)8%@;0Z,X:=L)-9O8/FZ`8[PL8S:A'E1$C9E"TAW6#'F(P+N\A;[6%X M5X_&XQ*J/7#LC75"0:,55(YH;F"W&\-$G`V>M]K#D*X\"(TS.2!?[[$][R%_ M#C/29O">[,OG%0XQQZP`L"E0!Q3%ELL.%Z.SK=2BW0LC[DOF0'1$_\/'V]O9 M=?6I7CY4=7,L=EC1NO]M9@_;5C]5Q!XO):KGY3T_G]-7LFO4XZ=YN4W$[MIU MC&.D_^:"V&!$,,L=\TWA&6P=WQU&3X@!^.REL?>*<+P/Y/`C"NVD#Q85I3P, MQ8!XJG;5$`,"UMA<1S`>]("D5.1>=T=2G";K[-@KI7X\PJ=QQ-V%=19@@@W5 M@ACC#=&&=YKP)-<>5*3K(A4+EF,#E\,JV@_&,9O11]Q=!!O2(X(LE=@S&`2E M5G5X0N^GZ[U(JM%CV3(8N3\&:R;GT9@Z6?*3Y!_EXJ9W(?U\42'#BI%+W$1- M"V0!T`BR#AU')K8T2JJ3E]4?8D')H5:]FS0;05@&KO0[R1W2E*.J=+=FL]#$Y=/DM]H&7%T.AVE\SEQ M>GX>N>[=P,:%EHQ]$.S'^DNYV/7\+"_)*=#8VEW?5;59!HN^NFLVG;Y6'Q;A MQZHYR;;Y>KEHK/SMJ8OM`'SHEM&1.?#ND7V=!]Y\Z+>F`UR5?24AQVW?+]7U MO%RMGC/T?!B#+T"C(W-_%T/P1@3`GVE\@'C!L)**:,\59\%6?UK)08QDGICI?$=S9RDAS:?A.FE)&EA$3HZ\D@;Q1Q` M$GJI6JD(1VZZCO`\RCRJ!&,4AN^%(9-S>E\.,4XA1(XT/NH];5RZ3%F)H,"" M$]R-J]1>1&W.8R$_,HWO-$C.E\;G."`2$JV4A(!*+]EN`RS8:U9&EE7-7$$S M1G5)X'B/:7R(4P$@]MQ!+2T5`AO0&?!>X2A"9"ZK>2(A1D?ILM+XP@0FO$84 MZNUI3Y(@TTYEG%(9QX"\:7SQ#$@!R<6D\0%K!/9.<6(%$Q8)(ENI&I](E*+S MIO$-[^K1>%Q"&A]J3M["W&J$@*`N""=AQUNMXC2<-XUO2%<>A,9DTO@PN%I2 M:*NEZ\P>C5@43R:6R!>[,YD%TLF0C05! M1$JRO7I@07G0@$:0,(G,2AA9SRQGV>5STRP.R,G0R6SJ^G!7&H/A&C%.\Y^;L@X3Z/QQ!TDYM^6Z'#?N[.UW-M]V M7Y;MMR/'2^UORNMOSQE!U=1HJ8XMYO'ZXD(JZJ0@S5$1Q!N+L=N5^D16(&!Z M#8&1I>J-;_KAP@(3#32EAA(H+9)-T4/:2D,ABDM<2AS#-$0)+P.4AD@_V2"D M3JK/U]6BK&?+GNBB-Z\OG&1*:2@IUPI8:2T0O`4#&Y"+"J>%#47JOQ>JANI[=SJJ;WK".O?<4RA@DD;<4!QO*2.TH\*U\1,@)G\P[4%^O MHA;3(O3^F#"Y*)^I$.!\BO]45U]GR\UJ_OA+];`,-E9_88N^6PNJ*+!(*:"Y M88P:J3QLI0723"P"*('6]O`@$4!Y8OQ6;5=0-__9/"VW>IEPX*ZB.1*-&B8! MY%`SJ;2UHI418A;G11IM8S\]"=)ADT/_'X+%68<6J\6-G7V=W805U%.&S,=@ M197KL"X_0(/^FPML&>5(8PZ%\PPQ(55G:`=DXW)%QQL2TJT4DF.3DPWN^T.8 M2`\M`U]<6016-Z>D>8.40,18Z7C76Q#A<049Q^OUZ?4-YL%*J/NDN.1@P,_+Q>P' MOAY0^JMK"X&%)^Z`W)QXX.\`/4/!R.'@EU9A^GJ MR^I357^^*^M*EZO9]0$5OWE]DY]$"2"40^2]Y)`BWLD%)8P+;83@`K2<`H]S MZ-G.YIMU$TYQM*9W=Q3(,",D,MH#2U7X`VPWOTGA(Q.M+V&G+0TBV0-[WOXV M5T&GS^OE]7^; M?5EL*W,MUKO*!J&K?%K.9]>SL[]^]&;\6M:S!N=NCS:\?GV.%XZL[;VO?:+W M\&BY577]ER_+KV%'#RRDM?%5L7_SX87&[K._+G21[8^0.WU`X2YGB M"AKD%65<=+43D.*4]Q_QE$R>5G^'1&BO*33"D&&EN;9`.H(MUKIM-=`\[E#, M1/%PJ0!?IA%^LN%P^[J3?C0_%#K\>/N$9D^T7,SC"FV(8MYR)2QR#""#'6BA M=&$Y.J5@N@%$6&:'*DO"]HO&OBG68V^\U2F/*;02FGLLF0SK&XIY-C^D=EV.2"_"Z76*<0:D]=*+.U$[<'R@8U/%[5F]4:/H4A M'2X1U7MC(;2%M$E@-Q@Z"!5DCK:M]T#FJEMZY$[#.(I9CHA8G+YO*@AZ-/M\ M22&9EY8J#K5&A!E`_3/-I8^T+T:+U\F@PVALHK4EFS\0HGZE_7AEH5BPH;"D M5#E`,5!8M2$GHGLHD'C!F0>LT/M6T;!AX_?%F\Z=WKO*1!! MA`L#)29"6@\]<+8#Q^`X?VWR,7\,#2>$) M,ZTEV;7:>./CC*_DD92)E3D`@:@N^'/U[:>R_F]S@M%W4U]^> MRX/I+B733FI.A#?,!S.^%=,8%5D\+WDTY!@=+PTB":?37V9?[M:KJ[I\$1<50R9Q5C+B`21G_?2@()C-NL3QX,F6_:'(I0CO'UI]EB66^Q M:"-U_S&[GZVKFT]EO5Y4]>IN]G!H-_ZH^XLPFP!FG-)&"]0] M&93G\7QZ!CFP&$EF?!@E%.,0[5I-I59G/![/9^G"?^GY_/`!CS$"`JK MN"#:0:^,]JZ#4@F;Z\202,_GT41(X?D\#:KWZI=R-DQ``'IB&6?:@#`/T18% M*A%]9Y[/HY4^Q$$5A^D?E6'OP_,Y"6)-V_/I".=*<2B"54W"JC<8U;!M/4`X MFPM\!,_+T8HYS?-Y&F+Y?6G.*2)UXY_E2%F@@]R\FZ_#RG<:.^<9-3H4HAS. M:XVQ!@)`BX$W3#.)$.M&*D?C:BE/PP$:K;0X;**UA?NUA=NB-](Z"9!'%#"J MC;=,R;9%S)DXY]1H=0/R:"L.FVAMD7YM[2XI6%BD8`\98,))BQ7S$+&,@<>T.!O0RSJ,T6EI_ M'JW%XQ.M.=&O-=&&A"DGB:*-2$)08YW;A4B'%E'DXVKEC9:@GT=C<=C$&XU' M6(MMBQ!5$$!)`G.D58A39=H6<27C:JJ/EBV?R4R,PB966ZC?/FPO*1!QDF)M MPA)6V<9Q94@K$E.*Q&EKM.3V+-J*Q"966U??JL7Z<;FH>I7VXLK"ABYO&36. M`\H84J@IW+%KGXS5W7@YZUF4-PRC'+MR;XO]H5%$.6\.X5O.9S=;B/X>@/A8 M]U2LB'E<`;T%"`*!/0V31%BTHIU#LO'B8!7)G,P^VU-=41D1FW(D!Z+24($ MVI;?0PP(Y5M)C-`3V<9)K/L1$3K?F/',U>K&E'7].%M\4?=-YKA:K:KUZ:-& MWP,+IX777`;3DE,?[!=/4+600U M0,YX,(HQ? M'ZIMJTZ;F@X\J.`"&:PPH=1`8`0FS[$!C#`11XK`@]SGFBF MN+02$8H=PZ3UBS%!<%P"3^[0TX1<2`C6)2;P((HIX]HC0ZG6WCNG.KH##2>R M&W@N.@Q#:R`?JM^WZU^+VQ]:UK0S3&)F>7\_VW+U+7-BV`,+`"'U0`M"FH`, MKY#R[GE_S<>5[$V^]S@N-\;%['SVZ=/?G\KOL_O-?;,F;V5Z,HM.MDU[GE
W2M)"EMDG;QD18H>VM!8*8-!YFH(B! M7(1)=)?/'B2P'L:Y=--OJ68V/"/A.9S(\+>_-I?^5JZJ$__`U!+`P04```` M"`#YAMU&[F.,_QA&`0#-3Q(`%0`<`&-A`L``00E#@``!#D!``##$F=CI'J"Q$&B)3KA-DP9))?'^^F51(B7;DEQ7DKU?NAU' MX7G/>\BGKBK^](_O]SGXFE9U5A8_OS%^@&]`6BS+559\_OG-I^LS=$TN+M[\ MX^__^1\__=?9V;_QQTL0ELOU?5HT@%1ITJ0K\"UKOH#?5FG]![BKRGOP6UG] MD7U-SLZV_PIL?LJSXH\?Z7]NDSH%W^OLQWKY);U/+LMETG3AOS3-PX_GY]^^ M??OA^VV5_U!6G\]-"*WSX5\=_03]TUG_L3/ZJS/#/+.,'[[7JS>@3;*HN]@, M0?J/?W_Q^6]6]VDC"(+S[F^'C];9H0^VES7.__WN\KK+\RPKZB8IENF;U@T` M-GY499Y^3.\`_?^GCQ='Y07G]!/G1?J96OXAK;)R==TD57.9W*9YJZ.[VI*2QT7G]&.7[4_;3]++G\!P%WT+U[TKI]^;M%BEJPT\GUP;9*N?W[0_+99) M]75Q629%_3%=IFT3=)NGJ%BA/"^_4?#&947_MOW59=J"_K*LZ[1&MW53)#:T'-?KGMMW:_&"/Z&Q[R7=:G2 MNEQ7RTW;UJJFK?LFD;]?7J'WU^!C1**+7Q&^C`!Z'P)T>7GU&WI/(A!??03T M(]VO+R-T';5_O+Z.KL'OO?C__NE\9\9TY5EM^R5=9^)/4*8G>N=1KG+Y!!#4 MJQ8`A@.M34_J+U+N/:]&N1RI&AM3<]K/+*L>3D_N450M05FMTJKM`_?_*JF6 MKY1Q^XGS9=E*?6C.GCQXM"L\:I+EF#?XQM+6@(-V#H_\NC[[G"0/&SWORR:M M;ZID1?5<-5_2:J>P#K-ZF9?UNDIO6M3CUK<_%A9Q;2=N_Q,YQ(X#@LW8[,7X ML6LNFJ&/*[Y+ZMI.]M:V5;]CG:=[4_6\HL>TS M:&Q'OW^1\O<`L\>IU\3,'BG)-F;K+\E'T/=XHO@8/O3C0J>L>[TZ? M8.=7@:LJ,)M2RYW&V:_\4)7+-%W5 M<9LF#7QUA[XF64Y1V?9SZ6^NT^6ZRIHLK1=>;/G80I%!D&O9V+=M-^XUF+$5 M\W0GE0;6W(OLM6YFYZDV4-Z!0>_975F=U?2W.\F<_4:U96#K+DY6`;YF1*GY M6OJ%/$:>Z`YJJ<=,>H%Z7H\XB]56=0T@\PL-3I8$U\_3DP_L6=()!KQATDCEYJK8,;#R=K`*< MW7*5YFOA*8^1)WBJI1XSX:F>W,H1;F@]/-U,PBXB'T:N$9M^W(:W#6QXV\G7 M5H3==IPU`)4Q\JR(NM&L!ZFLE5#*5`U%T`G5U_R?DJH;;?)8Y2S)GXNKO,F) M@57(0HF1_S_3?'53ODL:*N9QKZ^,?&P8`3%=&-H6LN/0#L)>@649KMRX7SCL M)*-^JO:L*<_NMWI5COG%"R`ZXA_%>Q7C?2';1QKM'S.1:ZPO78F9$%1'9J^. M\Q69Q[:R0X,U!X(=Z!1C9*(PPK89MKUA`_LD,LP^O`$ATP!?=4S-U.P?U')C)>;`5.80'8EN+8W3FV)J?!WSDLSNE( MJ]1[6RIO>+:#!L>/B1=@%#ENA%S3_T-$.?4DTP+='0F29O%?YHVB#NEDKLK*:.&ID+DG,*NW6#.AK^8D MRS'O?V%6;S44GW=?.6A_HMZO+HJO:=W0[CVITA91K>Z\[<%=%*NLJUPG=0&Q MX;@$FF'LNQXV(+*1U2DT8A]%F&NM;419FJF^3X\AE[VO"+T%?3I@E\];L,D( M;%,"0TY;PH@#7W^9>5N!6558O&D8I;B:VPS94C`U)*/5>W:MRWB9'VUR1C:? M?;?<!K#GC]U[-;3L*[4YOG MQBC)3(@]3J[/M]:-9S`SE9]&"LO[)"L6)'9#= M.F^RN^0^RQ\[O+U+[V_3:A'"L"66'SL>]HW8@;YA!WVHV(),TP8RU]=,DSU5 MH),%?M\(XSH]0-0[AM7Z$6SC0\JTCG&LM8_@G-BRNHB#;,OGAU,^ME(N:=`< M%L5E4RC5W2^0^GNI(;T,[VMM@J,N(6[A4T+8\.$ M'HF@:?0*(FAP';:E,*QF,N^4=IM,P$8K^+`[DF2CEA<_.@K`UC>/XR*DN]N\7C' MV['29)MP%XK1,9'([V#3 M<$S?,R'=1A1@'(=^`/T!9"[QF6??)&)HYDNK[`PT);AK/P"VLR*Y\+R2C)<, MLW$CVK[2-+Y\Z\LK04M"^V?3ZQ#,X,*"4,H.9(A=%^R062;[9S(?HM^IJVE!U M^T4L([:0[1@6=K$+K"2NU,.B432=HI,3=F7!)32ZEAMM/$:NVNU&,-@R.?#MP##OVC`@;QK`; M)?0,ID&JHE`3\DIL+YJLM7+,TN"J.FI-LU_MM%4"Y.+T>.;LXLV&D5Y")K&? M2)G4_9@PB*/`,R/B0L/;Q`NW$0((,==>"H[+:N8252(Z,.,QAXTVFGSA M(PNC)7I._8X*#=-CY,\#NFYSN> M!UPYP0XI$V="$;DT&_2RD(;8=KWH3STIJ9T:L1!0:O M46RTT.@1'RHX[-'"B:=&G("$H&,S(82H^E+);?I MLDD/?;]XJ\*,/;JIT8.!:\61@7P+#H2"R(4\[%`<6C-;>K5T?\9M"@;!!T]X M$060ZFJP`6K"0O`!3'4-M%".S\T3%-14EIE04E=VY2CW-N],<%K1$]S:B,=# M>X9K!<3`D85JJO!ALP)"\&'3M4UT$)1/C=/T%13669"55W9E:/EVEP\MR@CCPL$LLRT%VA&WDVF0CPO1#WX:L70.U0?4]1'LZ05*L MP!.E8"=UNE='<3EYXNG34Y&9/)B:DCMPDH$N"]4^SKL7JCB&BR,LR(+V[YM MH]BS0D(PA%$GP_*B5A7KH>>JPVKB(1;#1.UU_B-/'4UDY-Y9C) M$ZTMO>?;0K7:R/Q,7S5?TNI`W,ONK;S+/*GK[(Z^`B@K"[3ZG_5FAB=N;4-7 MY"(NJ^N$OEEH]S[?=LAV=7>3?%^TG3L/!ACZQ'$LA",21F8OV/4MN"C2SZT% M*[9.UG0ZF7`1;'"QGQ(S-;K4#N/BKS2]OW5SLD\R!+L4`;V%`4T2W)45H&E2 M^NR_2[M-E?ZJ39:S'S?AS<'6-,S\KA`[;VL.MX.6-DA;M4ZT5M/?(3-IUV9@ M1#FWAW?4MO(#_2?M7Q2K[CH?RK9A3YNLZCH!."W2NZSYT))@EP;V4>`ZCH^M M`)JF9]B>;_5IA'&,>28IYJ9=\RS'(8C^=9/QWP#-F1&B;\$V]6Z@OKGJT^S! M-GW0Y3]98ZOA[AJC"9[VQI)OF.=S3\VPQ>8NKK9V7-]M]O^B===HC](V7W<9 M>5Z-^$1J)W"Y7-^OZ/6!C4"1G39J MC!6EO29/.6$_.SME6:_)5D'4R]DK@?K'4]N*E+HW6]"+Y/(JYX4-8L/\=OYE MUY:8!#H8^JYG0C>V;---+$>Q*\MO#@1.M-HGQ M@\LN-EH\S_(8'H3=F`,/Q,67*FX(WBV!RR_I:DV78<,V7I&N]F=A=UL3ZQM* MHX410,LSH&\ZR+6"-FKLXUX$[7ARG62I-++FKE\OELY/;>4^7>/9V_7;/C&= M9NYC,-66@G%OYF15X-R9J;8`>K9H\GAY:H.FEIK,9")04W+/-V=JM)#]/,^3 MH0_\;?>2%L]N!_`.C1X0SXB(@XG;BPEP:',=^ZE%@6;6'GZ\V9;:Q=X+I:E0 M;`2>OD9\)-9:'CWGF8HX?(+/>BLV$TYK3O+Y(:HC6"K%[SD<^H()=!"V/2\@@6="RS"P/03W$9&CG$C$"8CWY&N\ ME$G6"ER7!1RNLU6`#QNGT5U*OTD[=,@H3;'Z]N\^SS M9L8>MAU*P\'8"6S'"7WD8FOH7L80<[VW1T6\"2CX=OC33JV$:%_?$+9\M]212>I5YLG9)$*]?7";M0&-ANG%HM!$#$X66!PW' MC(QA?>&71)4HC3B^*P5I9LV5U6`C='0D9BV;Q47SH0\GBW) MQ+)Y%6(2)DGP"RV;-=TGD__2#IGI%Y`6;A`'KAU"RXTQC`/+EZEU5."!]S=!QQZ*=52+#4#Z/9TLRL6Q8!Y\B)DGPZSIMFKQ;U*I?CGZQ M:_@>)K8)<>1%+HE\>Z`H(K;D]A>IT)/P;4^QELDXN6*($G"T.J@@HG`)1F+D M*3.YF*FD*K-EJ)KL7F6J0A,E&!LG6?5KDJ_3J[NNMUK7:5,O8B>TZ8OC3,OV MG-"W`Q,.R\IQ&/*]4EQ1S$FH2J6"3BO=4-RM0V[D2O-4T'A1D.KW7`5!!>P> MB9T'_>."IEP%9DM+R;1>Q:0*VV3G#O./:;.NBJMBI^"ZR?+\GVE.N\.Q@6!( M2!"UXWDS]HQXZ`ZC@+@*YA*EXD\WMYB#C6Y0%OO/,NBT`RI>S6RC7'FD9A]' MJXRRV4B9HHPY/WG*6?[Y2B5UFBV#%:;(-I^IT$X)-M/7(U39[9KVF&O\&-T_ MY.5C6BVPXM(:M0&'D2TYUBD:=A,-/Q(+;1]#+E2:OL/FB MO!W#=Q64%;!$*X><9"+IK)5F"U#I1-[E9QJK&,[HV'H->\`_60.-[`"RXFQ MC]T`$Q+BP$)F'Q-BA^DH2B6!-%-Q;T#Y0#L[R::S<]NO73RP+P:I\?4T_4:W ME`]XLW.3X^2,,5T5.TA#SEVVDS5><>%`4Z#4O#FQ`TW?A:83#5UR2+"E;+&,(^;TJV0JIW,%?5>P+J;)_>*DH#3K'-U.L%&:+_V(K_&)6"W\`*77J>5K&[QF3S6RM8+X_B6 MM<1]GRT%97)Z?4%+UC!F_IU\B\:![Y1?9LEMEG?G!&^/,F__Z?O6Q,T?%B@T M,'$C$AF6&P7#]B'4WJ>JP^E`S*`6# M5+"G]O--T=D6C:&V'&(8QM! M:`86G8+NHSB&R74F$.>E-7?Q!C6BQ_9R&L4&.8T>\3&,PQX]A^H^,>($?@0= MFPE=1-4_/_=6Q@1^-EPOTR*ILK([C3$*7(2P$3A>2Z,P"$/H>WTPBT`Q1'!% MT$V*K1:Q0V8%3>/$A3:_.*G!:I5>9NR[P8(.(??F1A"Q)(Z!1,(2CI<0;&)\ M*NJ'=)G=9>EJ>PXB(L0,S#ATK';80@(<.3#N`]I^P/6%%?$H(W'E+=B3)GJ2 MJH27C*@9Q48QW/`ZJ.DU`$<,.D4@:5/G0B'Y1%XV M:O.@8FS:T1U9=)&R)YE?O_P0*KDZ9ZQA> M$@1F#/7,>,S'[D4TP2FJ9Q M+])'6.FHFXDG]T/J9)"$G<>`G!`:"I0AQF@Z5;8^IW3:G_O7CU9W?:[>7 MUT%-L:+D!C#M(K045FZK2@,B,B4E=?AFPBLF%APK)NF"(H1:$.>8988N MO,M6+T5ZL0&G'-V,C*0:_0P@-GN&>O5`I]\9�A^P$/UG$>R9\9=.B MPMG@U.0S_N,^7U?YHDZ\:!1Y@L$DA@%+"8^&DA<,(KA8Y[!I%"6]/.9Y4"?741;B.,.I5:B3&QM9 MCCI\:OSA%#E-(NET`F^V6KT]`[5B$]'*4WPD^$4;TID1C;X=1QC'$!CYLRAE M\;AL-BN+HGQ?9,V>Y?=Y5C_#157EU2(2)&Q.14<\"'T:MCL5X>$.4B1G$:8(8]EH1!E!*!?6_82X`C M):)2_W;7*5*Q_LTL1=(`3(Z(W&*EQCU[NFSSHI&IYAD8)]A%'[B9$(J!`86M M,:1/&_V,#H?()YP@C)+0QS!`C`UIE8!(:8:E\?5C$H=>348',V7J<`&7/G=, M4YQY#H<<>ZAB-S_Z4+;@.'_H@:%0J&GHZ3+[L96S/<2Y(`P&-$4I#S!/(H[2 ME/*M.)(D:I>>Z,IPOA#5%AHVV8^>2,";;0LTUX!U"U6M-B5ZO4 M=CG4$0$C"ME-M:ECU!4?M/4 M;]Z"_]K.F$"VIS?8%&!=)T=[J@]%:-4$R;YG)/.G29VBF%[ENU)U>]DF2)YX MXU#EX?;AL9,P54Q/Y6C._#,32G5HX-,,SS&4TC0\;!C8J;,@@4@H\ZF@E(4^ M9Y3R:&!\R)62/YWOGP&5LJQ\S$M`L_K7Y7US=_C5OQ1I5`M9.:)T#:H:%0[: M'!+BR$3W`B8GJ,P$P9F0E9$)A;T!I4@X/"OKR>UM]2DOOWS/RIQFU?)J`:,P M#+P@C'PH!(G\$$:#,)_X2GV#]20X)IU>*5!K!5JUSD"KF"*K:,(GQROND5-C M%@W0G'#+B[B<8!95Z$;AFZT6"HRCBN9,.4?9C%=8 M1P\6:=YAQ=U]L6YZCE_O;UI.WMP2V>VQV.D_7CE`#V!// MJ4LWS>09=FIB,=ZH5[\#X%!\_:)_;UM1_YQ7>?F8-XHE5U?E0[:JGNXVVNXR M@DD]W\)QR(*@IBE,1"18KZ,?(M6+!<=3S'%V\P)3G+6OAU]L+3H#O4TMD_16 M-VT3WPS<+1<#9NMIM>`PB9-=W8%@S2$G@LHD?I])M)G&]N=W+TSE M`)OQJ>WMO8C"A(G$YP'#R$U29U,=X.3NLWTJ_&.QWO)U0]'#:FSH4P$) M%C!DL4`>\K$7]*)#3VXOBDUYH_-CL[WAMZS3M#M M&"M<@3L!UGHWX=K!7.Y&7#E07@@H+B"=P_VXMDTJW(U`DPCRJ1Y[W[,JK^47 M#^MFD7W7P6P1>KXGD@CR$"\5\.+`TXXC1E+'CR:]NF"G[UXK/Q.Z M,X-?([",AKQQ>)DKZ`:19C3PK<4;72?H!9U3^,B&'BL8SS$`V3'L5!BR")U^ MX6?8[-44G%A6EC]OBO+OK+RN%@@&+,(HA9"PA(>0$S\=5$!"Z78#FW*G*/_L MMC4V^H(#A4WK/R8NT"P!C82^A2J0'O#CE(&.HZA2";+@B[D6@VR8]EH]R!I\ M1L5S5O]_N3D0WY6E$*$1(@S%S07+,,4B17ZO`Z\5,BV@:PN>JHC>*7SX(-LK MI.O[0;^8/HH++!74M=`?K:A^#$G%PKJQ0^;*IU9LDRBP6P)0KT22YO=E?K7L MYGL<4<(C@OPD\",1$X]Y22\0^U#J])&Y%.=TWA:>`&!5Y[*LS1>EG M9\5V]W7S6`^&_";JN->8`G:VF%:#'+A1LT8TK0<=[-<^>=@=:0J6M* MRLBK5)K'%K]6E7(-ML$*:EL9X_6H"I`8H^FS3<1O& M+(0\Y(*&F$'1])T7O32!.%QLBDVVTF0;.1%*;#-H8_;4O))36$50DVWL@V>! M;6:1BRGG5VI0SI5M%*UXC6UT0-%AF[W#\N?KQ[R;C)^O]_H1YM?)S4W]D6R3 M5XO8)X2P(*0!0]I]:"(Q;X M/$50A!Z$`@5HV!_'3!,V^24.I!JL:LSM&T19Y39I@O@21! M?T;8SHSAS&PY0F(6`)+;1/"QV:APF.=^:ZIZ^6.V>FC7%;/5JO@[JR%98`() M)1[G%$<>HFE$:;^)H:9-+G43FG6ACO/*C^VFFZ?SNC/0Z0L&A<&@L0SR[2MF/1:D=<8+GW&V\OUFWO9Z^P^XB*)0HA3 M`GTN8.`/90F*S/J_*GGIS M3!-:4)Q$X-HNT`]L#;.PKG?:W(M!QSM3HV!W8.`/??H*MGJ!5 M%/2:@J^MKK($91=PN6QJ=*P5R=\.S$[R+!GH3B1;5I&?2<9EUZ;"X5!5R;W> MYX_Y"K%55E7+FV5^W25]R8]EM<`$,T@A\7B$(MB]O%4?3[FL];CQ MQU)6"W#-(5^U849A=Q1IS9`[N6EQERW7W<\%8TF$<2#B,(H(CC#T!>_ED0!1 M:9HV$>*8IV^:5.FQ/4*\VCXBUZUBX&NGH-X\60=-E6J#8R#5N'I&&.I4&AQC MJV_]JE<$`LCEPMA4[7JPP&`.C7E\X7]\_;*I.\(?\[EM>+CS$ M",0T)BCE2$0>37C0BXQ3N2Y8-N2,6$WHM#L#?9[SM5-1NXB@@ZIB[<`QH/HE M`W4LW58*G@,E4R`P@'=N=0$34XZ5`XSAT:B$OE!_$,MU_=XR6WVI`V1;F679 M?1,IJ_?+=7Y>OU4MH"">\`(!PSAF(1+<[RNT@0<]'NI521TI,R+GO5S7.P.# M&6"P`_2&@*^-*:"U1;_"ZLJ1JM77&?A0GV8=NL]QY58/=JFJKF./SHW9G=M[ MM!H\"M#2,6)HSB&>-N=8!&'$.`M#*"BN7_DT"40O,0B04C)K(,8QKQ]VQU%H MZ6<#03G:'0D\-4)]CIM42R@G!'DSVW;UH+^0N?\5`@##&,*?6I7ZM`>TUP`*$60=D3/SIQ/6_KM=\0K%$< MO&E4?ZO+M(3I8C^_GY5XW_#UW[8<^->S:TSFRM:)PYIR3:"OPGXL2X[IU) MZ!C9Z&+*)TJW.KVW.?A_EYOO?ZR+;U5>/C;*=+7RSWF#=MN`95FL/S>:U;QY M2[-J6;6[-"[+;%W=U&3<'&>@(0ZP$![V/8B;?M-!"`=U49AH%:U'UG'$6O:> M9>#OVC2P;]MV10H<6G<&!OM`:^!9?^![,%+G0-9D`T*Q^#WCL:!?$Y]D&+BM MEMOUDTP1?:*1,9-8-SD,QTKND[I%.AZV[6E9<7=?YM_S=;5\S+N^/KLYW[MB M=5VKU4_]+M:[()V4RZK^5?K0Z/TI+Y?%=:WJQB/-5L*!V-+=6U\NWPBBO)@ MB>6I-I^7M]\WU0(C4>?)*`ZXCSF%,6+!L(#"_%2I-YMET:Y7N_M5SYNB!&\. M%DC?@A<>NTYKU45LR]Z07*V>SA&*R]*6?>!F\5D)S5.KS&[<,I,LV95U3]>- M78(HET-W!=GS]>&.IV;!NKM6\K(X7U>;LHWV57,C^X(PD8:LSN5][J<0T0![ M::\%]9#4NJ\CT5,5K[O=)JON)MA-47]BT!M\KQ5721D=.$0B(9_6%VI$^ZNZ M02&7G]8=>MF]`[?()?W*8!V;!KA#?0X3`X?6%:,,796P=E'>9NOE/UW/Z+X1 M8A3$)&#$1T(0DL#82[#7"H(QQ[5(&:+4^F*'ZVR??T\^GO]? M5`IDYAPR/;Y2ADZ.C5ZR]ACA&"$S!TXQ,Z"P-4A4=X#LR6+%NBI6R^M.\/KZ M4SUB^J%TCVC M&"H5'D97SG'2O&_/&3BPJ,T+]FUJUO)?.!Q>@9U=X&MC&6A-4SW>/[[?)?=_ MS-GEBO%H$F^[V>)AV2NGMG9,-0!F4FZ9SOZG6SFF=81<;DN+LBS^SJ\_%.O\ MYQ`K0^J%F/*4PK#^Z84D]+:W"XB$)%BJ4:K>-[MCDUX?T"JDF=]JPJ60X+J' M32_#U8!/+L=]T>!C2:X9.G/(<@TM**P-%>6[C+YM7B(EB$2*($VP"#P/>CA) M&>[%!8(K-1S1E>$XZVS4LI0U:J,HE_R-`:`:Z^IAY^C.HA?!.9%*F<(YDXS( MV(QG=Q/9@$6QX_)>EK17\QM8S\/80P&+$0^HQQFMA6]SHQ"%PI?:2&1+EKNG M:>\^G0L!Q/G'Y",[3]Z#\X]?+C__8>7.(E.<=7H*CXBW\3U&1K@K]AH^CA*%:GV)+ M,AUG7KN*SIZ>EE(Q:[#+I693(*X87.R`[>9\L!QZ)W(YV_C/)+>S;M;3\[A. M8),_7G3U/;]^6#7,G-=(9JMWQ5W^OLC6-%O_E5P_-ETY*_J3EO6+[_6'WKVG MS6]V>L5!%,.X5H+P>EZQ]>E)K7*`UXD93K&A'^DYFR"+"(?)"'!%6ART41W$OD\8(Z<4$ M#4$C\GU;A[/(W3JPJO*R8T3U.5<93,?\^1PH*6XTP'=VO&=BRU%.,P9(FJ_^ MYR$KZR=\]7,OW[XIRKNV3+633OT(QS2A`4E]'R,1]-(A$2'E2LV3+8ETS&&# MEF!_>CKH:5(`L(6Y'*U-`+<:P=E!V@G3R6%W@O,L@S\3]K-M5>%TQ%KJK-5L M_#[>]S*Y_O=#M6FJ%$/C$YZP2%#L>5$04^9AE&Z/DT*8P#@E-CII65?*]3[* MUSLJG>QR"W8FZ32-',^WJL;=MC\ZK$Y:J(TYMCQS;US,)%N/;+=G9 MRC'P5@+.I^:-=N-F^ZE/1;4I\\VR:T])\W5^L]Q\JI_'E]0-O9#5`3)@G$5^ M+%(_3&BO;L!282O^N-1Q@G#TIK/L+6AL.P-;Z]I]W]W'#PT$6PM!:^+9`9U] M:RYFR)O&M]M[PJ^ZC';W&:W6QY,-&/.@-I>Q8A[C+`Z3648]`T]I!L$QQL8O M$!-'@4$A1([G%BL1LY?==:&LWR_SK,K3O/MWV%*#21#$OHB\U"-^`A$,$>HT M0TF:"J6"U@CJC!('KPX)KFMEO&Q-:1L6-R2UR7ZH;_0;TV_F,6H"EUF?'`"]E1S)]HF[$_S];UT?8AL"<>^QSQ* ML"\$\JF?)D%O#XJQ-^'DRIX1CJ/.KM?*_39[+KZMEK>MNJIMW6:+X323IFG& MP*QF5;*3[_^(J9>TO\>;F]D?@K]`()X'3FYG=ZX<:R7H'U>KZ4F87+#S;:7W MXF97ZQT4CG&*8Y1PZ&$2PH01$=!>818G<+'.Z_"47U_:">YNE95B;M(Q]S.[ MI%G\&;]FNX'0-A$=[B)]?@W.WB4Y^Q/,&5&QD8!:9YIXC(?,CU@,>6]&'.'Q2=*^"9-39\N<]93J;KD>N@SU MDZ3[^DM^6;I4]I4S$G4W:OXCJ-4A/%8)U[4;K2Y*+%"`4Q;'"(8"^C1(HY2* M7C84W%K92%K@]/N]9*;@#@&WMUY@%6N'*P(SBA>&)*^,_"_`S.HV:13K%0&3 MYL`7Q`XB*?92&*"08L8X(YY/?:\72:BOU%[41([KHK;<0W@&DLVF7'Y[V+2' M>38%8%GY6#_$-*O_I+P_:_[T7XJ,:`2_'!&.A;P:_VF#_BDK\]&O\3N!X0DB MM('\3/C/BBF%_8&I>K%3G6OF=_>KXN=>KKGKVA)C+`(4!VD2A'7*B9#@27=B M*Z))G#+9JX/,I+A[Z/Z?NG/M;1O)TO!?(;#`;C?@+'BI(JNV/Q59Q8VQB9V- M/;-HS`=!MIA8V[*8E61WY]\/BS?)LDW5J0O%'6"`3AJM\YZWR(>G[B^%=5,Q MV_,M.!AV:N#5LF3Q1-XN6]D<7_-CTR3`Z8_?ENMB\6(FXF17;W].R+;>13G+ MN#P)+L,1YC%E22)8$G3B<$!CV%F18RAR7*6T2;RAT3`OV#\!]W.:=R#=@Y*1?G=,YON5NOR@O-^-_JG[@ MLOH8;F4_.HE)Q'TD>$AQG(6!Z#5F58WG^L.B*VS*WY?C\RV\?\B\O#JQ4;XT MVJWM$,S1D./^-W1;./I?('>:0_;'R+39O___#TRSMW&9\E.`ZB=.=VLH5[> MMW-:K0QY!]U]^7W=WU.-:9;2*.(HR[.J+9@?!U$7.@U"I8V=-N,Y_I9T*OO5 MH!U)#H6"+[6WY?4P\L]E,W`D9](.`P[V/H/3>N=ZVW!<[4QO-4O>^&RY,'0* M)WK;3JET]_Q!OAU7Q>[MZ#?%;K>J/VO9PWSSO9BE/HU%@,(J)/,)193&21<] MSP.EX[PMASQ#;^3"VZO<7O3_ZKK?@0)!G47S%;XGY_$=]DF1DVX_.LAU*]?N M6I.WO4[OOA9Z)J\!7Y;S>*[W<;'EO=H'1MF9][XQ]JV=PF?&05:ET^?1>!A- M_/6CN-\5BZ_%[FFSOE[+OV/;ZGFK.DL12WG,&:<9]GV<9V&6=AI(Y`=FPV0& M@<_RX>GT>HU@KWH[Y;_P&LW&`UPF[:`[@#52$Y@/4.F[/]+0T_M.@H:6+#3( M9(>.;.1VQC&H9A'-/([^+3+#&<=-`, M>A:2RDJG[TIW_TK*-8:HKO6Z`!W!=1OPU#!$&Z^;2"(F89M,%E>FN9UDI56 MC%,;YFA6R;:+9"_7]\T"3KGX;[[^>;U>[:^C38*()BE.$$]CE!,_C4AS6F/$ MB+RH5J6G;2^:P[6O;ZP;_M`(]5JEGI2J>3^C1<,!W>WS&*_7W;;:`&I];F5[ MWNMSV_=W"GUN!UF53A]*[5ZK5ZO%FSS1AHK;:%6-YZO&8#? M)`NN.[ZZ1L'`@>+134-,I()TE-R[M]W8M]"$J,W>D9NJ"*A'48]T\(`$D8\Q M]F,>(B;BG/0ZD&"@E>36@Y^%J^UNJUZS$[0:-HHV7<=K#UW`&MD_%F,';81A MUDZ+3)>TEO([#5N;1IKP-IMO'_)5^>=[2H(HH3%.?"%8%.$PIS3DK1)*680- MB6L:_BS,E:(]J=HQ=HW;1AN\8S:++GI-6V$L^I[P$L9?6PTS70);R_`T@^V: MJ3B"6JZWY6JYD(=6]7&WY;?^LC6I;BE'P.;5WWZN?O0A"N3#-E\O]G^*^K&. M+(SSB+`XQCE&01Z&$6Y/=B:(9_C455AGT>24#GTF>RS4YQ_N;S?LL_'F];^I M4_"BX,*3.=5;*%[\5:0[=CMV4T-&>"?5%Y-%_E3^O%]J9<+7H5&&&&D@!%*.5!BGT64]ZI".,4=*FN MY=".@5+W-F5]<"__H=AK_@_H*6&6'5>#T!G-AJZGV#Y<-'W[`ZT7M?6M7*_6 MZTG!YX,9S-`!V#EJF8G`T%5VQ\>/N301!-,J+'\JY/&XZ7S]QW86^SC!%+$L M8!&I"KDT[(YZ)"CB`E1BZ?S^6%A;'[O3LK28"+8.'7PN?0,3K?:+M[9 ME0[;Y8Q=1YZ<`)2N@Q.BD'8*;Z#&S`YEGGPNU\7/JG?X1[&K&<9VV7RS^;E< M?__[?/54S!),P@"'51`4$IP$E.`>8T%`&(0MIK$<.H M5PX=UV5'P6F><$%SCC#)!.=Y+$30!4]S4G4IR]U\!2J0#"."4-:+4WX%;^5_ MTG0CW^I/ZI5.IB:#BJD1_=4LK][H/YX9!93NKM2LVJ97XT[(.+, MK52CVZ@NPL!V8."[C!L9:*?<&F"9-:,G@C%[^92.GDAHQ[.N%>5BF/T]>OW@ MF?`#$61YGH4I*1+F8<^1S4ZS0)Y!A:EWTO\^"B3.AHOYF3BKW-L4P$ M=C5[6=Y>U_D&[(=<&NIBVC!W(IRRD\MQY]*>01ZEY0?-0E$TBWD:A1$6?A9E*"!(((+ZD7\< M)9#1*ZT`HPQ6&0RX:YFF7_=8]DMI?Q3$+89,,<711EY>-CL9%;<[X6\Y78RDT[,\$S3G!`:2RH+\(\X7P_GDY@ M)R7;B.=\7J[JW!6U%.^QW.R^S[\7WDKJ-J.4GK=:N')NJRFW_G-3;K<7WE[G MA5?;WD@]+\?>,D\=:$;63Y-L9BD-(\Z"73#6L?7B4S'?%F]JF$4QRE'*&")) M0$CF\Y3WHV28(]#Z`POA')-NK\2[>]HNU\5VJP\Z0V,!G!O/4QW,R54(C;QA MXIT#OM4Q9YE499'28I3GY$T"@CCB>@W M4">Y);PI!G,.MT:'9:*I.FG*,P89;<9U//U82[WP MU@7T2@FKWIH!SK6M%EDGQ]C*;UXGMCW=\-'#?J9M,;$06B4FB(3S>TS MQB-;KSW>M[*I^^KK:H<6'+@RV8R.EHVUS\1>X$0PV.O1@!_<[(DC3R,A M1=#I6F6C^OM:_"@W%1?88_FTWLV",(LI8BPC$1)^ZD><99T`RJ/<4NT'C#K* MPK/5T>RIY5(0:K1Q(>C08\ME8*-P(LQ[Y9Q>X:?I_L09:)"8>M%G9)TR$[]L MRA_%9O=3WFJVJX3(K4X_Y++32L%,9$%01SZ(3ID,_,3C78C>8DC&^=K(OZYL1=[:78>WDUY*43M`WY M-$`S*_9.!&!V_UGX+??O6V4C^08?I>J_%K%)MA['K'X9MA]YQ0ZSUW!HAE;.A$:&6> M1VGY20-2ZG)=O=W%=G?0IUTOKG,"4F5!?M=Q8=6\.?,3;XZY.VKH<64,C#)GI(D:.'1LF@@CM*27YD^)UI45 MLR3",8XYXRD..(URE,?])LPP2D`;K15_:JCJ-V^=`":M/N>UG-\M5\T1,>M%W?MY*%>5(ULY;+,[N,$=QY03 M>6][&O$T(!'*^BY12'/8WD!;01U__S]=LO3RT^7MI;CQV!7W;FZOL__Z>/V) MBZ\W<@@E2'[SQ'__[?+V=^@$F#77%>>_SF$XY;<4`X6;1:#5?G<1D&L`.-'SI_.Y4=RRZ\[*3C M3J"F;.``YNPWPD3`YR"QTO7SJ[D@YT3T),,Y#Y,@RK%`(68!C?L^8AS3"$)& M2R$=8_'R^)751*(M@]5X>`9O83!\9>MD2*AFG<)Z'4O>3X2!MK-Z9^V.5=/` MO<^#RPC[:C3S"4,BYI1P+$35Q<4"]]5HGH%6])C$<4_EC*%T>>(G!]MUI^G^^6Y7H["S,4)&$>$4'\2%3E7$K2OI;S`]"B M)L-0CBLEMGB61\=L/=F(WNZA\-JML/5BP[+>U'!7;C;EG\7">Y1E+Y@79DZK M4F0TDZ%LN=NU=R#7TII#3+P#<:-39\BI0199L7@RA+*3S2MN630)MN7L8!'7 M##&,?8Y">;V@CW(_BGC?%TTH`RU*!_^X8V(U&ZU6>T$Z.]!`9JDAR*E/,.@T M%GU2L^N8\@8Q3<S4\3D%;.,;0XQ@] MO6ZM4\1&:1`U<$VM+6"T.U#O[9NDUG_AOL'^#IFPTX$RJ.F7)[O/0+C__&Q7-=BZCC73[OM;KY>R-55(?/SE+*4(IK% M:900VE^6@$..04N=3.*X7BM02]-DM8%[J@P>QS@H6VO/6IC6PBZ\`VFCT_)= MDP8I:&[M9.AF(957U+)EC_H!2HO%4B)OOOHR7RXNU^TP^@Q1'B.4MFX,Y_-PG2SO1Z7KPW+MW3?*H`?FF*:WK1D@D*F9$Z&/<1K')SM9L469.E^+W7RY+A9BOEG+G8?L_O[I M\6DEKSOBQ;?E_7(WRQE'4I\[[Y=#;5N"O(W/JM&4#R++H]T3H93.CTMG#"63:[::8 M;Y\V/_?EF[R_';&,"4*B2'`_)2CI5U*AP,<0AFG\O&-F=8J:?MR%-]]Y]^46 MRBT=V]0XY=@Q&)=ZLPX[<"-3Z+4A`]0Q<&\BE#')H+3V*$'[8WM>UBN5+S4[G=UC=MWL[_FJ&84#D7D0>(<%%U#H4?]LN;`MBR(]NQ M1ZR9FN4W+P1[OTBQOYZ\IG:<9E#LZIVQ!8!=P!/F-V+;-NCO#JXTC]U#A#DZ MU'-TU#83H:6S](Y[FDYM5.;LZY,\9ZE@(J2$,99S$M%01'Z__@,A"EJ:I?'S MHZS0:M5_YL?%_+M_7<@,74,58.B8R]A MW#L4\V_OV?EEOBE&OQ[SM4T#,#/P="*\,LF@M/:``:GSN7B\VQ\=?/#4W)97 M5=KE>E=94/WWW[LM>;.09ED2AUCP&%&2I%SL3YOA-`#-"-J/[KC"DR=B'RE8H2F<0`[LZ``#W;7.1!#I,,%RK`?=N*RK M2IG5DYQ!_5)NY`R'DCH18Y]AE)`DB(*$5!+C?B,`#>0)R2:EH!-)HY2/1:W? MN#)TTR:ZU>39F\.\`JTK]B8)K\UBH@"W8S^HLG7:OA-!_=A9GZR@1S#=VL5" M,\)1[(XTAS4Y9>L%%`?K!3J[])'@QV_D`[P$"&G627??SS?.LF\26`Z)?ZJ%2N3SP8;XI M^CTJ@G(:T32CB"5^P%$@SV6LPR+&TY.W_-D*X^X-VZ_C:*9SOC13#?5:6"E1 M:6^5&VL7Y?W38['>U2<-3,KB%\K&M?J(<#)[R2WL1RVU%/UX`UJVG3PSLZRG M4[IYX*!=\/N'8O&T*JZ_=1JJ^'7D=+Y=WE?TY,O5TZY8W-:U8/'7+EW)B^X# MA"*>L3Q(*<4"1Y@FK).3$P8:Z72EP?%X9R=;3I7V+Z-\"VOI%UXMOJXS6OG> M/^H$/)F!5Z>@"D'GK:78&Y]`0P&[WT[;R$V?6\_DH4ZVXV:;2#7I/,WC;O0H MMD)VJAU/S5^5NX.X(?43PC!)8R$8SC@)TF:6+/*#+.*@Q4?&P1RS>6!YBR>% M5J^Y-H3-C5:C[:@>P[!JR5Y7>]T&;1L`I37')T)$>_F\WOIFTRCU4RF7S\M% ML5YL7VX3GC&417X2,R[\P/=33,)`M.&B./,3T'&4FC$<$ZV7=7&\61]ZWJ2N MAVK4&L,^&*QTG'-SLN3;U@P`R=3,B7#(.(WC0R2MV*)^$UZQVR]U9,_SY:J9 M%SG8`-R.+M:%W\S'>8PP1B'&."(B)+*_WLJ@&66@^_`LQW:]!JC8'94#\TZS MG-6\;X\2D$5R*QMZ59[MME"CVCF;`4:[URW`#EO@\&""5G';"Q[[!CV8HP.0 M=-4V$X&GL_2.[]1S:J,R;/^G6'Y_J#K-[+G8S+\75T]RK=+UM[I?O3TX8J$1 MP:(TC5G"XBSD,Y&L&'IXVN_$\*"K!S@JYLFF0A='257CO%4VR!K.T3Y2@E;_._3=B=G M)6<\$7E*>$82CD.4$5_DM).3T1AT>J$K#6>B;3=I\/J5]_;B;6#71C,9`'CD M%K*#8L/&&8_)I]V%TMEB>TV9TS;35"&V=5M-J^+W!,UH%9(DF$<)"O(P#Q@- M@TY&%!($62-I.[;C)9,#E=GA\IBC`JW-QDZ)K-\L1D7R*"WBM$P^V0IC%LKO MV0DOE8T;9LH0MI&>6KELR4:UU9R7Z^>B8?I-_5WCZJV/G,H_?=69EJQ;`IK,NTD4MI^FA19LZQC'83=1&O`L#4B:\Z2/)(32'=4&/^^X2[V7Y.U=UEF68^+@,*9',@_(Y[UOQHML MMO_D[NJ:V\:5[%_AVWWQW"4!@@0?`8+(N"J)4TYFIV[-@TJQZ5@[MN@BY62\ MOW[Y*M6C<:F8UD66`:<-W!?=X>/)/&/T-BU6J[Z3C5TQTC.JV4;2>9 M.E&DP3#L2$D&9$QA8Q+JE%O;$5E5Y9MFU][>'KY/[7F.^?7%NKT0I,X6ROYA M2=7V5B\(0A')).$<"X+#D/%(]DJ*:((3%5&;`,9DBG?F=?C;G0W[NUX'$[QB M[>T;T3Z@K/K-#UHUGF7'*132[OALK*+^_W&71LWNCMO&%?43N$^M^C<6']8")+B\FG_MBR@3]MO_Q]E9?U'[A]^IC_K'WQSZI:X%`D&).$1`'R M,:,\2;)A]`!QI5`+/.2$876+SONK@3:Z@C#D6+.4F([>\1%0G5F[Q<1)KE2J M"ABR72LO@*PZ5F=`DJ:O>+WD-CE`]1*'*.Z7J_6"\S!,&!=)BF40^9RG"`\@ MI&P.'!XA?"`C3ZA_^WC/O+TU@;V/;X=ZM#3".$-3(2?WP^C%%QVB[2JE"F$J6B;P;T MNJ9F)J8HR4"O5#AB).D\3G!&6,A#B23+!MBAG@<8_%1HPSFU(A2*52 M9G6\4MD@%$JI5+B<3*G0**72I==AI=(V14&IQM&CKU2G%P@OA]7!^@TO%@L_ MKM;Y^2:_KQ9^)`BE?H8"R8D@&0L2.H`,8ZZU'WU:9.X_,&ML\5IC1NOF-#[6 M5%KGW&OUV=K6GO9=H_UL5],A7*(2!29UO6MQ8UKCCT6:&5R@V!5__U!CS*\_ M%LMU]>=J<_OU(;]:W:RN+O,J+W_F[*YU97Z]\#$.92"B))$!)TG]'1J:VQ`/ MLDBY)0-N2-L=K3U0KT7J_:JA>@-6KP?K;=%J]='#L:[03S$/X7KZ_BZXUMG` M,`OG(WI"'"6Q5'"<;.8'6;QN(7H?Q MS-M!['/Z9F4"P;U:N3$Q[7HQQ@[C5FJ$MWD\D?@#.L&1 M;![2HL+:C-7)N[\T1ZT6ZX=Z@BYWAPW4V;VDDD8\9D&S:226J&_$IC%-?:5% M:X,_;UGQ>E!>@\I;ZAZG8D*;0I)LGS$]L9J/+(TLUSYIXS):;?+44M=7S3V6 MIIIQXT)*:FA!`391-%/-+V7QD)>;IR_U:)M:T)LKHAZ:`;=[?G$FLI3%,HSB M,&%9G-#A?`&"J*"JW4;F`UG4CQ[;F=>BVUZ/]M#M--7?J@Z3V+Q)V8F\!HYN M1](:0(,*6S,3ZK.WVWBVVW>6$$;]C/@1D5F(ZAR+AW3`P$E`=`H^T(%M)T(G M/YL[P"9[6V$=8:B'MGT`*8W:]$^KDZ]0.48R33SBNGH:V:8JI.8$JA6*GXKK M9IFNS7^K;T6[?K<5<499PN/(1UF&ZQ$CBE@OXG&RFT^@+T/Z3-8S4'G M=^WB]+ASB\Q(U"B()B-S7%UD0*I:A73*_F.%$@AG+M1+,(84T--I]`62 MKJ]6ZQ^7^56^^MF>'E\6C_4_UR+_OKG,:R"/5YO'YE%UOY6QQL,DY42D$0\E M2@5C=,#$LT!K"=\J$,L9WOXUA5OTW@[^F3<8X#46>,]-T-P'/HWGU%)`9YRF M%VUL^\ORQ9+Z7)_(&2=QH2,YY#2V'KUGTCK!Z@VJ+Y$\"SX?MUU(#',D0Y]* MF@8R3FE(^]WJ3=AA0F_;)-BHMAM+7]6$Y^F42>LH'/MJ,CT/\7J:#,>YG39. M50I/M6B"N\$17;5@V&%KI27JP!1S..0X+=9MOEZA1%(&"F?V(<6I-W,?;-H_=ND&V@_H$??22R` MM%@S-H"3#1I'$F2,)$*@2B"?>S=(#67%4"&BP`\#@1+6H[)@\7 M$+X$BA<3N]%&P##SX#P1XVW:34(&H%/?2\R`-%DW:(#3K=:!<7!YU>5RDQ_$ MKT6&4Q1BFOB2"HR1+T3`AF$)C95NK88:R[+:_QHN@%OV%\"5-4;OH`KO)JD;CR\3LCFM_46.Y?;5J3I'X)BZ[#AG3MIBWV3G6 M'`/(JPLM,I#F%':FGVEH.(A2B\`7R$^RE*8$A3SE/([]85R!D%*3,]A@EH/# MGZ]_P&J4H#JF3?'(\&"37;WXX"JQAA'")L'C0H0BT=:CPP$S.N%A+*FNQH?1 M]KP5(,R(4HL07Q_O[Y?ET\7-U]6/=3O4>L.NKHK']::N=+X4=ZNK_H7E&:4<:&B9,!#6FRZ^^/3)W;Y'^]">E_//WP^E^?/WA?+CZ>I^.OJX4F7T/M9G3"..$#=H::\NFQ=$P$+7'M@A[: M,JVP/U4U%^;;L\XN;@X&?NK^O]MBD]4Y.\&,I8(2G\8D1/U5=?7H&9-"9^T= M:$C+.75W7F%QX^UP-HNQ#4;OK_[?\=L$H6A76R:?@7&]D`1&MI7E;C7Z3JQH M`_/OR*(UM%6%U4FKJ8OILKIEZ^OFGV;OX<_E77,GQ.'@!(DL]86@"!,B6883 M1(;!<9IJWMZR@A,N!5]5.+PA#S" M^L`1=00VJK`Y;36U\=.R_#O?-`\*OS9'YK:GZG9#+XC@(N!!%!#,LXQ(3N)H MFZ4*/]011(-A+*O@#IFW@P:H@"8$J\G>1-SJ:1T@K59T[CAI)\0-@&E'%`W" MD@)\&HYJ1,N;+=W-L>#YLLIW?0_5[_E=QAA@&D421K'!$=A3)GL MSY9H8%#-^VR`QYZDP2P_:\\G[H[];R#O-2O5'\X&]6\W1?E;M6R:E\`D$-Q/ M:KHXIXOTQ'(J[UAL(%.F^, M^P++F$D>!7X6X=U2*/73D9IL,.*42ESM/NS5L\91&]IKX@5MQ9W(`08Z"\J] M;64]3J>:G@*XPST5A3#JN':"4::LF,=&;2X6^-7`JG6[><_']F#U'DN6QE@P M'K,D$5$J:4(2.6")TXCJ"*@5`);U].1'>0OGM[/[2 MD]\)765%C\?0?4*>K7K/$;6V:V,QX<=!IV/I0[[.R^7=WKTP[?`OEG1EBL(D M#ACE7*`X2#!)AJ$EB93.LH`+'JS`HW:=%=RZF]336>9(U M&L!F('MU-0J^WUY>UBKXXMDB#+XHP2 M)H.0"9_Y`@UC(XR4S@L%'=!R&'GU6CT0B0-C7"&0S$&V7B1Y!SSK-!//P/?( M+F(@WA7;A]5X.=HW#$RK"_$$W*;"XCP$6F(Z>F1J7R7AC/D)16D01I)@*<,D M$@.<))(9Q"J3*88Y%YI.'&UL?ZG)V'EFJTU3^@UPP0G:99,N.;W!^8A5)R@O M.K[P!&:FXMH3+*UJE<-E_E!_*(;$HP;UY[(LE^O-4Q]T#F,-$]CW_="G/`Y$ M1K,0Q\,2F$SB5/WH#>B!+2OZ<[BM3@R`M\F78:H+[@J%TF).+^CI\WMT@$;- M,:X`Y1*T(TB3I6C-CBVX6BQ)IMQ0035O?ZG/Q',W6;&\3+XYN%I(C" MA`J!9,+]"*=^@(;-0C*C>D<(PHQH>^&K`^EM40*V"0%1KE9(3,^VYLH7#-%V M+JQ1X>Y$^@_+O2/)/K!1AW?-6*!,?>]BPT!S^G=[7-^J^CLM\^O5IOEJD<0T M$4&&B.^C%!%&*!EJ!RFPT&K],1G'LNX]@^8UB,Z\#EW_#9@*&I&MIGU3\:RG M>%8HMK,_\3A_)U0/@G5'M`[$E,,=B&#TF%]R?:BK`6)8^BCC22*R*.`AXGP8 MGT89`[G@6G=0RXIW\G9E0+V# M:&U&G-KBKLROFXZ4WXO[MDN=+]=_?]W4@QV.7>>B-//#D"&2BHP(03';ZK;P ME703=$#+FMG#]!J<7?MP@]1KH9HN(H)QKK!Z.P?=>A+Y+IC66*:=@_%QR[-P MS*NMRRHRU]-8Q[6M>_EPU-PEL;]A= MWK&JRC?5\9\,NZ/B"(="Q#R4H2^3.$%L&_4(5CNM>6)(EF/3UHHVG=RBW;LI MN_Y0=X#/WOHQ6/(_E;?52@,'':T7%>?VL94J`\8K)VJ0B=WN2(4RM=7%K)\U MS2ATF2_OLJK.C/*+7^O\^K^7=X_=X\CGK9(+&6&?B(C@E+$HS"BF9!L$21AK MG>8"-:;UAI5:)#J<7@OTS-M"W;4)`\8(,%^H!8$YW*#;L6+/`U847)'2$Q(- M[11'-!CA#+.MGA\FI@@%HXGE$U\9N$3#VU,^71BJ(=X^F$A!E3ZXAFF=M1`,\Y357* MEN6ZSBBK+WGY]799OF@HBPD+0BPP%PE+B<](B(9=+Y+36.L,9M.Q+&O4`,^K M\7DM0$"M,N993;*FI%A/N:#8M:)@;]!V0LB@"'=$S\#,*>S,2]V^U6:M]K:X MJUFKFF>"FQ=-8@Q'U$\)ES@.48A11K:[^B3VI=;2J/EHMOM5]P#^R^L@0K:L MFK.MIG+3$JVG9@2DFQW-R0<:]T9!S:H[2[<#F?[ M/+=%ZCV'VG:(0CZ1A_.&6F([BR/T8H--']CIRU7D]%1?+K1;',E_X>TZ[,NU M0YQ:-OSY?G,E\[Q;47VQX(`EPSP)(I&BA#?;**+AP&B9RLA7SH:-1K&LEY\_ M?4N]FSSW5MUC`\-$SHQ0A71X,B[U),\I&C7RXM1EZGYT?*GW$ M1<@)2ABB82WYF/%X;^DZUKJ&%'QPVREU_FOO&G7O.6)`N85WBIK7TA/::\T[CFBO/?N*B::Y[I5\RU79-*+F_(DO[YHFU*^W>;[Y4!:/ M#S6RW?A^X%/J^RE.>2)\1N*8=N-C/R$AUL-:+V_OK5W&H^76C@?J$GL+/3K22L\\W:NXU-D\H2B@CO#$26%M^OP7CX[ MQ*DKY\N=N>SZ9X.CXF7]S^W%C?S](V]?OV^$_N)F^_.G[AV+2/!`X@1%?I"R M+$)^ZG?/\`**,Y'IB>H$>&SK[:N;V<^\`>>9U^%LMTC6M@P_;LUI7AS>J"O` M4[A249L=\Z*F;-MWH!T=-V?]E,1/Z%-7U']*DP\#P^1TJ[<#/WZOJ5^MEYON M^/>%CWP:^6D4)2*)*$MQ%)%A',1\K?,:M?^X[6;?/3SMC0JZW;S:9*E)K%6> M]/12@R([S;@'5)SJO1W+FB.*-![_86>M&1$V\LL_\]6/VQH.^UG_QH_\?%U_ M6O-J)&^PR6N,LI=Q M&CD7/.FGXS"D3XJ'^5%61:_5NL? MSP:NAZ0IIB(E(:4RCOTDR(:!0ZFW0F$^VI09ZQ;AF9'2`U"LG];:9]<@S]4G MUGKN^RI?BLFP&=>.J"2@02?290BJ(/)G=K59_5QMGF11_B=?EI^6_ZSN'^\O M'C?59KFNL?Y@&[9^^E2L-[?9^GHA,Y^+!$=!$OD^HD1&'&T7`R12:M6='M7L M6?1@CW=3E%YCT9G7V^3M&>4MFQ.UG[S6+J\V#"Z3AG:S<3(]HX>A\VEPYTZ= M4^OY8EQ:;-PH>@M#&$<9I&,_)2CA&#.DXQMUYP# MZ7/E'2'0`T^]3GQ*2>Y;)NJ7J_H>G(L;]J/,NT;&/R-VP/<>%3F7!)1136T9,1 MDE#!MD_N0Z:^!Q]NR,EKK4%:]G/+1GB>:K0F.;X!ZR.JJVD(-ZVK'.3:H)*: MAG.H&FH<]^-JIZ/,J%9-YM2Z6"\!6'6J4H(BS5Z-M/_8:\!&(T%IQJ5D,B,, M-0_SM_5;BB54?Q8<()>KH6?/D[<_MUT"C7*KI;K'MDE&A?.*`R#+ M&A/_OM=:QLAFTP+&G/!Q5[_.*FO0J'+ZO\.BWN M'_)UU5MS/2>VRL[$_Q[^P<#KW^_N0-MGJML5YK;7]2BO9].C-/%+4UDG,U:.K4L<:C&UDT:5(+!/88TM-M M#7*LZ.HS'D[(X#B^'%&MD>`+B"FCFV^_JE^L+!LU:EMB^-/N/5^63\UK+;(= MO/5UHV>?E_>Y*.Z7J_4BC).49*'PDRQ`OHP0CND6:\B95I8]!\`)%:I#I)W] MSN(VQ9S7=8_I*69W0Z'7^>QM=]G)1BU0>BH'G=.#CFCXO!P^K!:812U@DDBQCJ9\FE,1B0$NH7B_*3!!MK]B`E.&OU^"- MD5YK)4RDLC\=3&*54S-!'':1;&DF11EI`!*,:QTB;L^=#-%/V\/9N: M->;]]_5V=;G]6:^!M?SM&7?F=>9!UV?PS@6H\7<^8%'C6 M9H'3D6T2`G1+.\NNT(MGWX&B[Q[JWHZ#'J1GO\+S'ZOUNGYOOV,O6"0HX#0A MJ20^8Z&@-`BVM6M<_Z<="M^+8>^VAGPFL3O=?7',Z?/?'1-VWXLK=2+V>['I M/1:VT#/37G;@R"QX*[%P!*;R9'4I)WEWW+V6SKP[(Z:M[#_4;]Q4Y^ON>M,/ M95%5BP!+GJ*813[/$B1#[(MH@$I#!OO(U`*^=U3==^9YJSHHM`8VK]0F3ESA MCYH$T]3XMOT_7Y6O[7HG*_U7_&.QUC>9#2Y%UKDH`*[WS=TQ06_0JUA/Q>X% MX7Z(2!1@E#&2\HA$R78[08RDTM91%W$[$!>K\>IHH3IWQ"_6>YGFG4KP(7:. M6>18+Y6V2ZVT6-F;6.\E6L]!#5A#EFWWJ4?WIOP^KZK'_%H\ELU-[RV4KE3? MW_(WH+E>$#^6S&?!_W%W=3UNZTCVK^AM9X#.KBA27X\426&SR!>2WKFSN%@8 MBEO=$>)8&^O7TFV9*>OVTU2+(H.,`^3(-<\=8YXBE6BR(RC.(NPR#`> M]R`GC*CMP3(_O`.Y]@63W+VA&;^9.FY:JN92`/4D4^*\PLU7/`[Q'.4VVZE+ MF?IS&0A.1U<2"6"$3_,!-)GVBK;Q,9=*3C&*0K\M/*,\\%GN1R06Z1!%'J'< M:MUF%KH#Z41ZT7W"FYRKW@P_6)8*N/F>J1EK.+./DYMEG)*PD)43.;UYK:LMO>;0QB++,#,1SYB),(X)`E&;.PM9TELX+L;6'P. M9'%9UST*3Z;$<.<1L/-:$EK]^2I+1>&=?"EY0AW`EY)3GH5+R8R0%!A^*3E= M#GOU[0FL9W,U(X30E`0B#`AEL4^P/\:!PHA9K7!-@W<@.TH7)2==TKDJU_CC M9:G.G?/)FK'2-?U0N5GK*HH+6>U"/6>7DM5GX\=TQ0LKI+6:=P^R.W=M__T4 MPD&8$(J#(".,IIB&639^/^5'R&;%JX[.@8RNV&7L@IOI,UL-\>W4NK"ZS_X. M54YR)^O@>8 MWH#3^[-#ZO50E<\H,L2Y9&ZP3[>BX1MA&L:]I;@[9\EFR7?%9PU']=0\(4B3 M=L2WQ>9KN>V<]U.YO-]4VU\&]=,X#3E)D>`^9GF*F=C9<)`2X?M*A^),&PG8 M_UZO'\IFVZ^J#N@\^JW>;/N/GEG=;+UB?>.)9EM]ZZ_MR8MJX_VC6-T/IZA[ M^AXY404Y:[0G@)HC'G`=MR];]\H2F\M?L M&1L2>NW7`>W-K8?:;:"F#T6UZD"^RNO-J^X?>-\'\/IN9UJ)\[8WHPB**\(3 M_.>?7"1V?%,WS?OU80':/(%".$,HB*(@"E#$,LH8%0,4S*-`[U8M<^-#9Z>CNY`. MH+T.M5>OO2/K8OULBI6'^JFZE]@#M?Q M"D8H32/$1!X+GS&>$-:.G1)!HSQ)7NI$&!T+<%$WP.M6=2-`;T"HVOCA+TX'V_*:O&FO"M68KUM#:"_E2^@+`MHD/$< MD1"U*[NT?^75#9&Q*);Z_%GG=X'72#T<;X='[1)-+9+.>Q,T/VH6I$3-&:]I MRN6_W]4/_]%&M[.9]O\\=9<3D9\PD2G\S.P5DZ#7TQ\/A9F_^_7]U6EQ&V,J M,$,DB,)0L)!&=/_[#$6QU#7RRC\*/.>'1UKM0DIU:EZ>[&"LJ,UT:4(,S/+C MD)^9XEJL.#"_]7#7$Q\'Q37VAV+3+B:ZK8'%^O%MV6_P(QG.DQC%,8LB0EL[ MX0D>A\HSI:--='X?>+[O('E[3-Z?.U2JC0TMXN1J$6C.U-Q`F2Z0.N,$)V?* MBBD,.E)%3`JA-O=`Z=;L?1?A_6U_!%2_-*%YCA$6-/8)34(1(A%&PX!9'"B> MH:<["K"W]'CZ8^[Z.SB4*@@#%"KV.D#94W,91>)@>QE/>9%I8&ASZ8C?&`CD MN5;%1&JDO>=XG/VJ*8R#D%,4YUG@=P-2BH)A)(P%5S$=C9^W[#9J%W50AQ938K87XZ M?]4#UMD?\GI-;V^K5=6N/9I/]Y^;ZJ8J-E79T*:IE_W?TO7-?]75>ON/]I]W M'_$O>,CSB(4"S M-CG%),V&4=,LQ(N'V:?)^?, MU#7$JB-STU0T-ISJ['[3]9I;&.]:+G9_6`2(^3X-.-]+Q[[W9AMYFV.#%!Q/62"7[E%CV5JU58V M+;A?EC"VG>M%;LZYESEB77$P@Q$]=3'39$D[V9NJ^-R.VGWQO/`1"F,_R&@@ M!O>FZ;C.#MSH`LCR-CJ@X,U]T"'-D8FA!KZ<_ M+SIWH'VI5RT;C?C7?;5]?+U>KNYO^N---OUFTNUV4WV^[T\"N*Z[R==M!:]7 M[8_>O5ZWCUZ[SE^@R"?=:2=IFO(\3>,D2_-QP4ZP4N?$$B3@"78U_5*MWZ_+_RF+S7CZ3W?XSX)3+F+&4T)%E!%. M-<4O9_=<>5T8WB&.*^]=]['8]8]R M]5!Z;UO=OW3]P%]/5\J*IE*M6VSH*E?7.":I6MUC7TV0S#)=@S-9Q:+`CF04 MFQ'7L\TF&YFD.RJN/REN@=L$%X2<"!'F?D!\/Q9\CZJM-`.E;<_`4"X@@QR. MX+.1-Q14!,P9,`+:SQVH!:D)[4(30;,DX)DO$I$2,H"C42)U[+1=1-9SQ-5YH_G1!^2U$7E=2">N MFOEXMJT_I[CG,UZ%4(":WGJ4%_G<8)"(H(0"YHP'V%.L@%@&JC=YVL/U67D M)_!NIP%Y[60D&&5GR4;.MT%?U``P_ZCK_)OD'HW`#><=7>K-MDR?0W>JAN.4 MLCA)LCCU0Y;3%`UACL0-G5'Z#_=6Y ME(?-4+^CZ``=V+G$-]6,M?@0F&W,*A`_M4<+H?$EM6M!XM?IW,()`5,<=P#W M6*_+]8D*G@4!#?,\8`%)?$R"D"3I`#(F*<@&(#/('%NB]/74I^KGZ%-M5/9[ MN-/U!JB8K4IMH6J>J/+\Y?-+@I@JH8T)?XEEM+G@IY32AB6PEJ4.];X?4<)X M3.,L"',L6K2Q&`!V6&UF*'E4%Y&=['1PIZEK)Q_!"#M'+KJ,!NXY"0"SC[K, MOTGFT0C<<-;1I1Z@@7L"W7IXI^4TW<&=0WD8#]_<2':J!.X/X-ANXAAX"@`:N'/%&&KB& M-;ZX!J[I^+4;N"!"P)3&IXOV'"4B8R&/4)J)1.",DQ%9D&9*U_M:@./D8N3( MA6QW:35%!2B%X?6TL<30EG+^0ABT_SI-W4LL?2=&/*7F-4$V;`XYE.`B)"3* M:1+XB4@YIP+3X3""G`6I#YX_Y*&XGCOL]%`U)`3,%C#J6N.ZFMY MR7E!(UH3.4&79(#FY[F"AV6,$Q:F*A&I`D!+Z[[:"1H[9:C.\C/V4)8VF(22[B7+##G@^2!2HUD&ULP,FX"^?5MG[U;1_0E'U?;7#>$)VW M"T^Q>K(NO%QQY;+F:DE]-KE!2C3#NIRIX.9Z`API\&8+OW9C(EK-7X?WBMS/ M\YCY*<\R@FB8D?QP$EO:_L]>WI+'Y%2^,OR%G#5=;:0E&$DATY%CW\89HA\L MZZ@+_%MD&XVPC6897=KEFH_3L)VJX?*,)SA/<,H#$E""$D39^*UXGLM?"&$? MFE.Y!OC#J!F$EVAMNJWY?+71).H/#KBDMMLP+W5J?+>WDEKH&8]>M;4X1#9I-#P1V$OD@)BBBC/N,B9R0: M3Q$G"56Z/AT4B-O9PT9_5$,\L&0!HYO5)'$)35"@SJ>^BI>;"S1BG9X#=`DV MWM@\6^0([J>IG^'!4^6)I MA:LEE;$"!5HER)K$98&,5QW00MDH-&:L*XR7$E/TN)SJ85*4Z@7#=%*E:X37 MZS:!E,U6_/Q>KIN2U]_:/U1+7GZOFVK[IBH^5ZL>$_M2+K]6Z[L%)FF6QBV* M*(X(QG[00MD!(31.$Z6:P?SHP*ES`/SJ238=2$T-[SR!D('F?IA&E,2,)Y@@Q%/$1YL,&.<3#$MG.ZB%YWWI,7K,389IO:7&JY5W0 M=$[UKQVW.X".F-@)RN2-;`K?;IK9I(C.&]ITLG1-[;KZ5AX-*8(TSE'@XS`* M?,(I#88APS",)KB9TCC`-L;*S;:ZK=JGJVR\^M:[V>&:YF1J1&I9&!B'4[VK M`^:(9QUS)&]66LRZZ5)ZH9RWIPGTZ/K2^^V7P^=FF.EH##7]'US=-*%PSZC?5B0&DL^'5JIS+VSB8FFXZ/%RXY\T?F&;S;Y[_J+9?;C;%CV+U MH5P7J^ZO%CC."$,BSA(28)1B$?ATP(2)\!?K\JZM=6^N`=Y%Z^"1,I9T9RQ_ M@2YM,CL\C]YMO?'*8K-Z]'Z,6+NJ?PG1!3`LG.'7V&!BV7BC?0#OC>A=?;M] M@F@3+[JGZ.>F[P/%JOOZ>SK!VHX_)!@>YS'*&,ZB%%&!:)!Q,0Z7XGS""E]Z M#."5^W7WGWC5,/W+';J)QBO-GYZG0E`W=='LQAI8?6VK3*:CWJ4+ MM.-\6GXI;^Y7Y?O;=GU[_^U^U2VL^NX'J[]]WY1?6A#50_EZO6S]\4W=--?= MD?W7Y<]MUK+P=4$%IT&89LA'$8]1M][=?[G@^T)TSB2_OH3&`KU[9P^_6S<> M!;!O*/X2@K>+P?M;%\7?O3_[0+PN$J\/Y7\5?0]<13E_=$E`-1^UHQV(\TXD M_8Q#VY+3$2>W%FX]SZQ1S`P?R^6J:)I=-5S5Z_?W6RF$3]`%0>A'*`X0;D$& ME#*6LP%=C)'29GA+D(#SQ-,HO/I^J^`[DY.%+6'E.7U&/NW6B/*Z99O@F\Y.[=,M9I5 MFV,9Q(E?YNZ,RQHDWA$'-1E1#?:4*CH?+UO'75:[K[TS3&F8!C[%&1=1QJ(X MV[MK^S=)JK0V5OIA8#<[QJ+H5&K\R'D2J[B/'"HBS'`]]QD.TB'+$+?2P MUP:>%)5#689%UL^RH9^;[:98;A>I"%F41Q$6/`F2,([\R-^-$Q.6X)<.H-7^ M7<"W$N_8^[?"NZ;_%)^\/P=`LHL6?:(4SM*`)DSOE`QEXN1.OC@1[`D7F,R+ M"Z=53,)?&WI`M-_!=`59O6X?F^;][0A@_R8H*]?E;;5]4J!EC',_B!C"481R M'M(LQ0.D##&E*X8A<5A\]W(`W_UIWV9I\8];2OZV#\'HBQ<`Z51?NLRKFOX+ M%R#!@-^V*+,M]:8%3D-'UFE60GWV#0LTO1J>+VYOR^7VJ`'WLSO-Z&/9\5FM M=FO1IUTYRCE&)(W\&-$D9E&*V8@ISI&>Z0,`L>CZ(_IC`^D"\'Z-P*3G0TBG M:OHSJZ;O^B""`7N^.ME2I@^HH7.N#QGKL[8/3K"&[_/RMMQLRIL6#&V:LO^P MX&C7Z1,X(?;31)`D))2FA$0BB\(!CA_X2H<@06$`[RKNP/9&L8/;=_"/`)LT M=\/ZJ/KZ?-+H6[IIA8#=7(EB*2.'$RK%%%*,XC/T`^2E)448 M8C_)?^Q!>IL=2LW&KSFF%;K!LS"NUR(VQ;Q5NN[SMV-!2*.LMB/XC3#"6%Y1*(T'`9G M(LD7W\M-5=]\VA:;K=RJU,RX*A/P*41#<_![^U]]*9IRF(Y7WN?RKEJON\.0 MVT72;E3%9:DA4>06H?:54$L^'3[O"*"W1VAY(2E%TYEEHUF:'5DD&@ZJAGPR MC1CCATW]4#7="H/&0130/.&$^E&4H92WSKP?%B>9TH[%J6/!;U?<`>D_I/^V M.Y"J,[SG?7'51G3NVVP8RJ<8'@S;9JSNRAO1.>%Z(QIEOU-GV6FGTPA'RN-T M:9KH;K\8ZX?BL:M7F@7.6G>-L,]RX4<\#"(4L0%"$.%MX16KZO_*&Y/NIDGY%*<#I-FTZ^W!.6%Z)VE3-L!IY#MMAA-#DS)&$_09 MKHV3A,1Y(J*0Y500G`@V;!G`64)2OJ^-Q?K&9&7\TJCJE?$`$*PN+MM_(%$1 M7W#U)BN*T]-8.RBMZDV-,KGV?3]4>3.W142I'P4OG79K:!2XE+K'YHT'QAS0:3;J#7"JT*&WRZU>:WXJQW(M M^1>9>*X7;XY"%YKP!J.I09XSS:._#B,N:/N;`J/`9S&+=*7"EUR)1(P4VJV?<)*9CK8ZP#@S*)H`G>.K("F M1/#,25[:9$A[QVA:#^UP7=[:;7,[&MA/_8#S-$UPE!/,TB3*T3!PD(>IBI5, M'PW86?87))2O/A?+KVT^;L9+9!5-Q@"O,`[O^I.[,FMW$DCW\5 MOG3L2_4L>(`$'T&"['",[7+8GM[8Z`>%7,4J:TD7);N^G7X"75(=42%R" M'V:B#[-N.G5ERKY MV'QO-OMCVY24-9=2S"H<8YH20G`ZV2X)`E4>-&+0LJH=FF&X5-GV-86F@JGS M<\O+_H*V:H^Z5\AF)Z6?Q, M`M-8"TXN#-=?%QFJ*I:&<8I02D(<4QKAR6X5AHE*/6AE8R#=TWC2Q:,ET&-" MH`61(EQ/AIRY>%Y=+&F!`@RU\8,@MNINUFVWWQ[=)*\*2NHH0D56$HQC$F?) ML!4=5A0G)?!E.0U#UJ<6\P=X!^^"O]2_HM&C*KM/XP@H=,=&G:4E]3K-Z:QR M&<#KC6J9B.698AD#)*U6XO/U9M---\,_-KO5MA%+@H,/\SYURFG*H]HQ@_?!:A/,_@=C`,%1!$9+_5AH.CDQ]J;5 M8.ILO<%LE_H!PSXCXD[:T!-5=Q/KZ6H_M@$KZ/[[9C8UI M515Q%<=QFC(\F<]92-4D7L^F0S47=ZHG+>A=-2G;FN2A"NT.NKH8Z_&VK+IG M`4H)K)DF\$Y+#85U4C9-8E-YB*SK]@_?>G'^5R>*/CPR7V=QE!8Y"7%9HRHO M2!Q5D_DL*E/%!\>T;#I4R"-'`^&IT;?#],!#!=(=MRVQ1+;OEX0^/3CAN_'KRBHM;9:O?SB6=)SBA& M(2-)*2JZK!*:9DS5"8D3M+)<4*2Q%IBL>*M?WFG/]$:_LEQ MJ,$0:]`'>ZG49*?#6,A<%^\KUA.;O6YR^=RGTGJF4J/5GO,K9DZ[0'02JX.F MDOOB>'#HPW9UL]K3,>5HW/[)2&WZ&S=J M.0L.K@;?!E^#!^&LN+L^[[8H9S'S^,\GHXN2A^647PDZX-OP2\%7^TK\.>.^ MB)IDVVA_/@Z`]4+^M,;;AT_*K<356NZHP,7@];=FNQ05.-XV/)%V]7ZWWS;O M5IO5P_YAJI[#]DVYWV[Y7RZJN"8ARE(297D5DHB@:GH#,:)Q6D%6=H9-6T]0 MH[?!X.Y5,#@XK]!,LTPTCMX*Z8)M` M4Y>UYK"RN(&!/;-2L=1"GBP[;$77.NGFD`7!]%'ZNEV*B^,/J^%3SD6(&(H) M2EE4UPDA81[EU62KR$KYR;^J`!)3=Q?<8%IW662` MB;<+=&J3;`6$OPKWI/55HF5HUAG(34/OX=.>93$^FA)I!/*TY:0`)J,;DDR*7;/G`U:ZKV^W;Y8]NO^)25Y,X MQ67%6$&JD*89K:MH,EYAS*1G?,8L6E:CJ:2&*)+-<_'LZ55P._C:;X"M1V\5 M:E`:8"XQ4;P(;IAZ_0JDX44_W1+7J_VI2QY4`_15,*>FI<;!^C!/-1_4"X5! M32.3GLFRYEO;K79'SQX>OEKM#MO&<1&'#&5A09(DCL(BYA3'ZLDEGUB#G@8W M9-)R=AF]?/3(Z)&?.F4L3#&7FPI?`#U@!F[*4_% M6S;W?'$<3?/GYZ`^.$8TWF5^]$'7I-I:;]OO9O+!LZ+IE+W(?7;HA-.Z=FV]L M3U8B%P@<>(_<%GK)ZR'+S7(PSI->>[]9]3<%^2![USQ\:;8+AF-4%$E2U%%= MQ!7)21I/-JLRD;J(9\20[>LBLWO!D7^!<##X:W`1-)O6YBIS@\0A4N!-$M]H M0BZ7.*2J>,E$BZ[D?9/S%$[>.S$$SX<5A[%86@N]"[1G%>8Y/OIC0DE?]"#**+0S?C"1%FZ-JC([ MIJ'3>APA4NV,IYI:ZW"5%.QS!$YJMA%L7LBVF4A:XWT**-YA'S6JLJ2/64[DG1*&2KV_<&'*[Q2R MJOZ_!MN`_K_&X4P6,(;0DUQ@+I[64E^#GNR^MN5_:L?_[6K3O-DU#]VBJ,JZ MBG-6U)3668Y"2N:,A2H$^A3>@3NV%PD2IWRO'/*)6((^&/`9KH/6E#R\]:LA M@:>VCMK0SFFM-OESQ[3NFM67\UF'$3\]F'4-&W#G_HZ;N!7W_;>K+_MI_ZEZ M^+9N?_*4M=S=?%UM[A_]^V9[TY<0B$A-2KZ\J4I:$YJ0*(XFC\JXSF#W\*VY M83E+C)X'QZ[U\[:K8/(^F-Q_](>N@C$"\(U]>RTFEQ$\:2Q8)M!O)W'S9_RC M3?D[9Q@HPTOD1I>:3[/ M%J13RLFEA0$HSS$ M95$G19*3["@3,@QZ7M:%/Y=;FHQA!$,<3_X$G_).D1C>J#+;FEJKDXLUI+'U MR9DV[*"-Z'*%`B$/7Z-8:5>_5REV0I9;IUC$;6I'JWMI#34X_&?3B5)'HW_+ M^V:11(2OII(PC*JH#C/*DO`HNY7``D/N_+K\+E=W:I]DU*0% MB3(<2ZW?[!_]O=HBQ12.*8,(*3O*YRC.+#IYS\'U]B)0IVTO\%Z?/5R11D_^1, M'^:%%J;P+N%V?6JU-WBP3(5T!*_7JT\;RL&R5;EO>)TU77*PM(C5;!C9V@K^+TN'X'K/BL^38YGV]\:`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`TI18.X>H+=@68*I)]L2NO\5^$?T>'(`I.!"?OQH. M#>1U%5="(_D$*$)Y_F;#]:_I=A^YV?%9N93R>7V61@6.R["(DQ+GLZTJP_(2 MKFK`LGJCWWY'_\CSWX+)M4#XIO8"I2I""=EV00^FV#Z`@SS7Z0"@FDHK@Y1\ MG_/EP$]ILBXG'^18.X;68,_!;\'H2DU484H(\,.^,%DV`]T$"%V@%!-B#502DKQRZ&?E&)-4EY( ML6X,K<&N`Y+B*'[15I'485HD.4.DRDI*,4;1+/M%*/5MOI8!RU(<_?9[;$I- M5!'*"+$#>C`A]@$W0\00(L^.6*I)M`Y3294^'?])I3:`S`NU-A%':[@O:5^L>SL_ M.9]$$0L3&E8DS!**8H+R.5&@DN9ZE^OD[5SJ@IWP,.A=U+\F!J`*.QNT#12F MX;ZQU+UV9X>IXB'A$'",/NB[J5!>O9>GBD?ZDX6CJ]J' M&]S_W2RWUYMFD>`H93DFXN,Z\?`)B?!\V:1.Y*HZ&3%D6>>//U,(#MY=!>_% M)TN??S3K[TWPKMWLOD*+9>CA/:_WSLG"!-\(5"N?@YP#]H)X&>7LR6<@9F)I M+71$4_KU^4>[2/*J8CA+(Y:$!8T8RHIY9DPC6!%6+4.7TB_A'Q]JK2G5DH*J MJ5JF>1I2K==1NM4J[HJ*5D'H^JY5H%ADM0H.R(!6\1[3+$09@[S(DY3D19W& M*9]ULWGWE:'2C%I)F;JL7@D7C2F6'%I=S3).U:AJG0?J6+>$,TK*!6+LO7;! MHI%6+P5(^-8OERP`;L78I M%5L*/X=1UP]`V46C0/4(!R,T5QX?4K^\^ MBW%U9&[!9Y\Y8U65I7D6IX6X<'2P5L?RGR*IF[`\*QP=ZZL?"=<>U4""3%4T M($K,_MSP@VF'#^@`4SLW"-7FQ0IRK"&<4IHDF(*E)465Y'Q60@+<-49A8)_U7+$\?)&6#].04ZYU7< M+AB86LLS.;.@[)J;?]RWW_^3!S:L)?E?/%U"/@OZ!:U0!W-A3=!PO-7M$]`Q M?BPH;^?+;R$A%?E#(*E7WE-"V4#EI5C]"L8'!MN'G+7`N$;0#W4^;TN($[0P31$C9H!'3G%XH24 M:*/S0$WT8V@-]B7P/*1>K9MMR4WC^(_.^]0(^6!3FBY_VS. MH8-!2AVF,YG/_#]9\#50Q-(\I(34."68X:2#5RJK!T5J\F/?'C!%$9!F95`/'D%X M11C4@'FD$(H!O"`5.BA`FG%8E-3\GW2+.,Q)'J(,52Q-$4MP<9AT%)1('Y^J M_KXKW3A>1/>>*2@'F)V\=MC$IJ@>`&(&]>,)B%<41!6;1QJB',(+*J*'0T%' M!MD:C94X1DE&BHK_=%CG_/_H9"QFF=2KJGH6'&O)F%[UU`1$$*HGMN#I*8H< M-^.:<@1#2E54X'FG*TI!G%06=212VD*YI=O>VGIYOT!Y34G%PV<4UVE<%.*Z M^W2YHV92%7K@OVI90V9G`N$-0#6`;%Y7"GM88.H@2\2`'CP*^80&J&'Q8-PK M.M[J]@CXG8GVX:'=?-JU-__^]'7)>\;U?M?MEIO;U>9^D7"#$2F+DD9US?]7 M%?%T0E*F>2B]B6'`E*/;%+V+0>_C53!X&1RY";]7]8P!PF@7/_5K-?_W+0_-I^:9==NFMLW7;=OMHL2 M45%GF\0%K<43"5E,R&0PSA+IE8^>%3=Z);S[_=_"O6#R+Q@KYM,@`$HSX?]E_7JIEZWR]TB$B=019G%!C!24R+U M,)#:+[O1F,&CH'<)K"L@4+)B8HN1DH+(X3&F&D>QGY4*%4;>Z(.2\\]$01V! M=-G'>KG:_KE<[YOBYSN^3-IO&['/7"R[54?_7G6+.B-)E7)[A-(J(ZPH(E'6 M*$\J5J=I0B#US75M65:+(Y^"WJG@+^&6[&?\QHB>%Y%+P(3)"IRCE<*2KP!Z M07M,H_6D_*2Q<%H[/5!5L=BJNUFWPJZH.4`?6KYFZUC[L/Q_]L[_1U(;3>/_ M"M*=[A*I<\$8,-S]9&S8'2F9&64B1:O\4**KZ.FZ5$.'JI[)_/=G0T%55W?1 M?HT-1+I=;68WNUOO\S[@C[_PVMZ6*QY&F/*(9'[D9DF4:J3'YQK[11VU;05[]4X.)?M,!R:<-P*&0'V#0#2QD-8"">MI%;9?X>! MU&1Y77_;EI_;A;1BTZ+ZNHS(38(D"](D0#$+A*\,QQV\4Q=X.^=5O+->>,^R=:EJ?%GHD;4.1\'C*J=PN7@%.C=`%)M/86%8-5:>M4T M+S,0K^G^L'UH+KM60#SV@Y1Y,4L8C4 MO40@`TWXJ0:_B:V$4:]U\:1N&;![V[(!RAGT>R%X,YE19>WE!`+M72D:?;$_ MG((+OGXXW!^+PW[E9UF$$C?S(T[$^#*D`4W[;TA1`)HJCPYF&6:=OK.6 M.'&3>\NA@09GS-R%-#=S^526WD)@4^OO2`VQ3W&,&*5!D%%.8XQX]_M>Z`60 M)J7\HY:;SDQW]"K2EW\D55U7 M7[?EYU?'Y,P+$Q8DF+%07JO`L(_\5D?J4N3!*C9-![==!M7J=:1@1RIVI&3G MI!E:"&7_APN]M^;BZ_VJ^B MB'.6^6$4X3@F04S<(.KD\9`IW3$SM2;+0#Z7YDAMSIDX,!GF?7J*Z%[@@X,1 MW>PSLUL'.\YDE5+9B1[C4M@_==K7"FXGM1VV,"WFL3\)2<794A+=[:JON7"X MOTX916)BRTC&PRBE<9)ZA'2'BR,6A&_M.S8?T/:RJOR:U*I\ML+:"]6Y-MS@ M`JN*AV^MLQI]#@MI\!82>VW5U8)UYAKM*D`H31EBB2\7T`?%(:%1/27B_E*3?=4^N\JVIG)V=OHC\7BI?61,?7OXJ7GSQ/^B^E+4WU89C6//2WV/ MXY2X<#B*DZ69 MGPMPJSG&LVZG,Y?.XLG/H^H8V^F_U5I9( MWNU7"<=B+!9AAC-.7-<-$.[#QSP@$!:;BFF9O\^;=;.PW4]Q^N;=J/VA$G*! MS#5FO!IGY_`%SN^-1D>*=!J5JEO(3-D[//:8P5G8D&.9IFZ.]_HT'S*69.XS8=.9 M?-%QR,1E=Q"X^-@9J%GQ2D]@V,.9NP'3V5167C1(!\`V/^>')S'$^W81S`T# M'&8,)[&\`B>,,4GC+EB&(Z7*SG$1+./^J$HVE>K.845]V-YMQ7O5_N>^28UC ME;Z]"MR?Q%D8[AEW'HZ:9G,.`/=)'-1CNJZ3:BB_EO@U@H\V:@G@'I]$9?+= M@6%Z_^%+42-7_N,B'LL\EL:9%WO<%__$*,VB+A[*N-(WG-%!+,/Z"IZ=?Q=B M;X1:\>8X#Y4\Z&$D=$;8K$3L:1R&0EMX*F2=W)S111"]IW%3%^!C7%7%^%4' MKI-\O&G+@+F!/"K#;Q,$Z=W>K?2OQZ+<%Q_*;LAY$1LSDJ99G''F!PFG.`E< MWG1C/J;+X(H+F"56YKW;;C2S7EK?;-`=Q[:N[#X]% MW59MWU7UX;[X5Y'7^[3<%&(24Z_O,9(??\2_<%YNQ!]>7R[*,R^(/<918V:O0!J&TB&'Q3^#<">$)>S[K+K:/S<>Z*:6I\&^OX\K@V.J/K/#-C M%IAC;M@YBG:K)B?6Z.8.,&NGG8J@T-H\7'#)B MC,X,LCGWM8VZ\C."7,[%[R7@,;G1%XM1AH%KCA'0M*3HO2:9)ZE.'$C2GC`8H3SKIP.".@ MZUET8TQ<#*C[<0QL':Q_M^F:9@=_E#3_]ZT+;Q1PI.OFPABDG<85\(RS19EG(Y57V4^PGY``N)G+.(>8E':C(@Y2>*0!DG@BI\/._(A0C'1F9"K_O:TL^_C M!&'>]J+>2I3=6V;;4)<_W"*`-F@6)!R#O2\.*\I83*(P##CWW"@*TLB+NWA! M$OHZ#0(-^LB"]A5>K2&>6OWAIF+JRAZ.B;_YL:Z^ M;/?;JCR>$RC/!UQ%F>^G,7$Q3W@<^#[U6+?FA;P@TEKR-11Z^F;FY%*L\]BI M53^Z;Y)'`1LBS_`4-,?-K5+GNZ/6[V^.S^'CL^?0G'"4U,F*D/V?55NGPDYK>IASI.(Q3A$&19S`NQF79T`0JD+JAC2CV)Y MH4T(^^$"G="5_1$.JF%P&O-@Q#O3U$%OMO7]J_X,$&R\IPN!E8%$*M.O&_C. MVT(6AK/JX6&[E]C;']=+JYJNU]53>=BOF!OPV`W#.$I#2C$./%G&=)R=)1&H M8-M$O&G6_ZOZFW-7'! M9-DI3NHGH`N/P#]N&5_-!*<'U[Y15V@"#&Z<&JVL>@9#4W.%=J]';IF;FD*7 M9@P@1]NWA?!%7W]EZ`4"DN,?^;:9`7XH/^6[XL/=:4N)#,H\SW,C0D-Y.7:4 MHC1UTRZH'W,7@I%QD2PS18J3YU/MA31YSLG^;)]560SL5+!AJAIBIO,3QIO& MRN^DLN^EHY^.CI[O7'L_Y*@5!`V:-<`C,R8O!$Z&DJELO(>CL+7_<-=L`)8! M/9SB!$6)BX(,(3>E6=1_<69AJ'2@^_@H$^-*KKT;(!7(1QU*V;)P-*&:PZU^ M:EV6K4BG+J9 MCR@)HC3Q>.@'2=+/_*C+H5P:&V\*0GVWZ]I8+80Y1:/,J;Z60[O5[3FL3JPI MS86S:]_"J[C`5[O/3:IT6IDS4.P-X][@F2G;%T0V8RF]PCBS=@$J)]:U/&:% M%^V?[\J&K_\L=INLJJ66590%5\U\G[WMF6Q_.?_JGFKZ4*B+=<&ZQZ,&;Y0O!G,J,7U0V&S5*&7\/8 M]U59=;LACYN18Q9[A'LDPU[J$1K$?ASVRW,N!IU?IQO#,N8:64!D:=NEQJDI MG(+!J1V$G4N:Y^2!*\X,`&BLEPNASN@T*K.OV-B*J55`$A1'B+HQ=WU*2>I& M7@\R$H'V-L!_W7)Q:;N[H7Q9)S5WE0^DND?9Q(4TD1$)O%7-`[1"IUE<[@_V M(Y<@XI'0SX(X('%"8M1O,:),MY(0&F;*4D+-4P+&F*C6'T_D'ZQ+/J\FG/VX M@.L.J1%'U];EH4<[D^L,&F>.>K5-OLOK;;'_+?_<5/Q\N+O;KD639M6#C-]> M&N*'`?-<&A#7%V'#)*5!U,6.>`KZ=&XDH&5`I0^/N^I;43CK,U%-A:'27^IW,NFR M*LB\8>HK'^OUTV->KK\U']*\4/RHYXH_(Y>Y29RR?I@7)A2VW`'Y8=O#K.+@ M5)V>MS=;&S!*<:'#ED?`U8U.QAQ?R<\]&%K'T+%J(?#0TWZY8J%O@#(,TC^? MMH_RRT:WP3UR?8]3GGIQ0H,4X2B+^UVZ+N,,`@3PC]L>VG1Z="ILX$ZI$<&J M23`J]%*ZZ=7$8+BT8@`.VJXM!!#Z^BM#KP_X8_%=53\T`Y-?B_5]6>VJS]_D MV9+Y(?]85^MBOY='2F9AD'B(4.;&?DB9%["LQQ3S8@3[8&PDI&6H2#5R!_U1 M#OA3L!E;53\'3^XH])-P+]`Y*6SO1),^?U3PV=(G817G!C\+&[5^(1@SG=6+ MS\,63%-&GHAP5S0;P/*=W+VQ8I0D)',#1'":N,Q/$77[&F@W)1"X@7_<,L;D M]9Q/N^8[Y]W@SB)#5JD!RZI+,#2=2YEC\]6E%0.LT79M(531UU\9>GW`>].% M(_GNN$WTG6A)M3QFDE7U8]5>;ONQ+AZV3P_=("V)P]2/4.A1%F0^$7^)^D$: MQG$&VZAN.+AETASU.IM6L+/M%(M15*,3OGG=M/MJ<)K5>!B\.L^/6IU>K'.F MUCG*G6GV![5S`(#6GLQ"`&DOOQ=;X:T:":O6.\;8K\0/IH2%7D@3GP2)W(3? M;Z'-DHC#CBN&_3:DC6H=4:Q=G:=NC^)2M35?@&O5325>)V2.\KLN]EM%=V"S M%H(33?&O%=AI6C"B?FCE>G+ZR;Y^C@ ME]:`"EV4?5Q(FQB3P9N%+4`S(#MZFCN4]_M,)"2F]&(^_R2F],'8J'O9`K/#H(LW9-E6RK?!7$/`NQ%_D) MSA(O"WG:7TJ`>!R"FMF<.BVWU^,Q=S]V>R9OFT2Z\U8/,A7X;J'Y'JKJNO+? MXWE"%Z/;8UK;#>82$>46_>,C__[)KT;YUF"3I/AC?,\Q_DN4+7VN`97 MP.=_21;2N2S"BI=;L>;7!%^@WQZ:CR!]$Z` MG[72'8B-+%KI.Y<,]DM]?=Z"53!.RUJO9ZR6-U.O=T\; MB=B/5=VL;='#H=[>/AWRVYWHAJN%D/CDWQO+^4"3%\(Y'>6O+.%K):^^MO1\ M0UA[C#9Q4Y+BD*5I[#+$79)URU@>BJ@+P8G.[UOFRON7*''RBP;"\OI+43M) M+O[K^K%I4O\U]>++2^>&EF!&^+R0]C(JA%A$I,TDF?3]WO*O,BCH`M@3<6T_+'K.'GX MT>GT.N*QR*T5#_+4+RD%J7E9%6;'L3BFO1;ZY^*1[%VWJ?[XM?BC^?Y"W<_>GX M)/8PBR/DN"YU@Y2^T2Q'_KJ]5GC2Y-2M**4F9]2Z3;5^DJ6P M[?:9!5CX3)!M*R_H)=.43`IGHD8\"P)*(M%W#A,P\SM(H?,5SJK MRV`XRP.K7J33J70ZF?*0+BG4:95"X&/(:06&3V\RC.>+]A<`^NE]UH.^";_5 M>@`E1Z[U!F;M7$+/8#BCRMJ[!^DQQ.2_9,W/)\7GK1P&)_E.5FZMTC".?1R2 M+.0XI1S%]%@K[[F)']-X)>:GVVKSZ9#7!X6^0C\0I$E=:E*O'3HUFQOG5BJ4 M$IW;5B.$7",<5>@-IK$1U@.\]&YZZP"@G\9"/;AK6JG&\ZN)7V/X>*>6P&T# M651&7Q\(G_]15_O]^^(K+Q[R`KC8!R>V3,`@J?P3@_`.AZJT?=* MSM?8.]:B)9!W=`Z5P7<&0EUYMO!IY6;SD&^*W^Y%UBON,C'PCD//QY21V$_\ M(.V">6$4*6-7.X)E[C97[=4G83]*9RWK:_P=[=(2`#P^B$T0(QZGI_%&2$1[:*AS.L6 M)M)R,VI9XJTP\&6)3I'>;+`H-\N<"ZH:M80&82`+M;D@S!2U)G%>Y/E)WO&^^%>1B[]1;HK-SR+0/4:R M`$'\"XMQE/C#ZS])!2@),(DC0MV(X^8&O^,"8\!F"L"L/UTKO4VBWDKEM!I+<>,:HD-%WJ6=Z>U M%24/TJU*^:F?IJY\H8/U`5E,0%=VC@NDN6)?B_NIL/, M29_H=X1"U3['D+'#8XOI/86-#>`>VCF>>\B>@.:MWK"6`S;'%75'7E]G%\E+8Y=5:`:Q7A1XUM1,OY_=6%A0P>MZI M\<6Z;3"\P!VSM!'VI2L#4$$1[ M8*'_8^^*EAO'K>RO\&UWJSQ5)`$0P"-!@-FNZIGNFG&2ASRH-#;=K<0M322Y M9R9?OZ0DTK(LRP1P+PA5;1XF&:?;./<+#:"S-E-1:DK'<$"&$JA@MTC17:;==M!NJR&B66:VR7'X_LM/TD/Q66D[$C7,8 M;,[L[,6:+A1O.MU\;9:;Q??# MD8X'``6C&2G3.B]J51`I=)%E/0!1;R@\Q(-3H.1 MR[5)Z+=_84O$\9UT_ M$\\T%V6:RV%,2JR>J7D-A.R1;YR8ZNJ&?IR.,\!@=-IYGCN36#<[O,G2!4,# M(3<2#X.IY?6]#U`$V=P`T4TJ&]WL__O#F8;-GUM`]6K]^WQ]/ZL))494,B^+ M0N2<4ZIX#X.4U.I*2^BQD?VLAYO\=P_X?TX[MO^K;Z+\1X<[.0"W=3IP3<:9 MWY1RV/DAAA)8%R?84'K!/+'$B<1/T>G@PX'T!_.GS\^?OYV M]<8U"3E+&2>L+BM2%I517+3SV0,Z4VN+LYD"`[.Q!N>SG,[90?`^;`@Z+]A" M8+TB<8O05;]J`9^`=+NK+\^L>+L-D9^;N\?Y9K-X6-SMWETK[__YM-EVW>S= M'2[EI^K#Y^ZOM/_'M;RK9MD\++:?VZ_9IG7(GYKM7^:+ MYAP*2 MW]J?)O.A/I?+/J,ET>9RT6B+P)OJOKO%>9.Z%81]N M3-K?H'2SNYBM-='M)1.=5+213POCT\OR46)?P`]MUOVP:4M(GFNX.9S*T&TL M=:GW7$ARJ"229(21X=*#R+`Z1Y)5H:L^?80Y!>FCT^/'Q7*UWJU[]VO9S[L] MFM/-M9GB5:FE(56J3$HS5E5I_\PB-\HHFW0`&A*])ZU-\HR[LKI'$E6`<4X_`?<@#TB[14^'-#GSP""P2X^C\((+`VL0B#Z].3^;?[XU)1W_WYJI_[WU:I[KKO]NKJ?E2UM[;A:955*F.$B'YXP MY)FNN-V&&*.K_;+KY?W)Q'I'><`P;GU<[_7O;VWB0[A#=) MC[&=R[8HDSW,*1M^WV!N;`>P+_&1F!YL39=ZA&$("_U8L\II5J:"9:F@J>"< MEN6`CDC)QY[L&AB6_4--ZY-@__^1)KA:D7A"Z*IQ'FG:D3[:5W3SVVJSV&[4 MG[?M7QQ.!A0ES3+3G8+#RD)6=3S(C^3;Z5K$"_839-Y\O#E](U-N$VEF M!%&&M?^4A%*1,5T+T8\M59%9-J'[#XC?C-YC_.'7/@`[(YSIN#$ M6N^ZO.+T`#`Y0AB^._U=TBYWJ<-Q'HF=P=;TNFL=FK#Q.RR+;TUOKK-*9C51 M4M2*TKJN-2,Z/8RA"674ZG5GFU^,;%U5TT[`=@^8FTWWB.E^CROT.OZ(D4OK M=1?B(OF:N&$_77^[$S#R1I3N`?,P@A"L_;V\SJ0AU'`M2D+[$:I,C7H?P^'7 M(G_D?VS7'%_F7U;K3?]IM[HUVI*BRV&,S(Y=Y.Z["S0^)S87J:)QXWAYZDB. M1MZ0/SH""&2P4QO,]-JW3[,?C2K!YN5]OY8S_:L)1*N\.V M\\J07)):%)HKQH91.7WOO#*@4?"^]\_8=DTF';KA$^YX/0P`J18F$99<-^/P M)GF, M2<--*:H>BD[K40TRF.,C3_->?N&.<",OE3A"\^$$RNI;^R^+ MNS-@5)%2JD5E*I/56NJ<$POCD\V0NF";>%5E3CC\=):69;M0J?-VP5(60E>T+(;=I2+5`CTGW&!%G1BG M;6'ZO;:PR45&C!%\?4,&BK6T\63+62&@4\9/[6O.&\_*(9('@GS[A^HOFHR. M=L-8Q44E.">$94KQNI)I/CS,3W7M]`3==;"@>;':M;E!/H1UYMCR,7@(>GWL M.B)F'9]EAV`8XL&U"]/VSZC?8&/,`VE?(F-[^NQ=SUN/FF&(LLJ%%]U=,T(% M-;RL!2WK3(N2L]KT`Z522=L@L/OM89S_I"?1P8TL.1MO['AT.3EY<*;LC1J/ M,2]G'LV++UVUS7WYOUJV7_]Q. M[$]F_T=O\CUWT5:2Y&E1"U+RJE"$58+T8'+Q[ELUN(/C^4N/-SD`3CK$K];S MQZ^_3O?ROA.W%];JN%I%LBQ'+G(5\N,/;@3[]L%9G>6TD*HLRDJR7-6IIL4P MJ:OK48MN\$&1IV#COO@WB78Y5`".>2C712`=PVC?YWLB9]W#\C)32PFNQC]M MZ[*V3"?B`%VR^MK<_6NQ_#*30AE.3:;R5&3MV+5^WA3-TRJ'] M<*\EFFKPM4X MIG5AUH;I1AV@7QYW@=4ZTSFM!26J($7GWS4?=@[5FF_>8! M`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`'H&B8[K6'U@KSV`U;W.'/$MVB]+0"B'R)-38+-V7%$5G.0F%Z0H MVGCO=63/A@'?;4L2"DE&<_*7!/-35D3IOOV'I[7A0;S4.N1IW91Q'T7%QT` MG!15`F`OC7C?!&J/Q$.0:W!4]^)L/-630@A7?6."K(@I2)970F:E5L:0FO`> M".$9E+,ZCCZMN^+O4[B*XFVS`?0`M=KX]QD@]Q0\U8G?=WT+'.^](%3B];ST M;^V]3@@N"U*;-A2$RHWINCKU\+RT-KG50<\!846PXWR^3V)X.S9\%Z6'R$C] M+V'T#=4"XR1M'%TP;PH!V0CCKW;\B8)6N6\[#!3Y>!G47S_X87FW^M94\\U7 M-=\L-C\VVZ^K^QD3N2P9H2Q3E`M5$5W*'F5A*H::0W[0HLVBOJQD7]=-TE66 M[$I+]K5A1Y*GYDBQ%$[N4-'DHW0<"751$\B4@A'_6I,*J'K?M((4`:L[Y^U$ M-2S7N6)IJ0V565JJ6@UO,I1$=JUDD! M5DGP,E]'\B#4[=>X`T4\5MI<3D3!ZKQ,6<%-;61:%G6A^C-[.!<:,W'\@,69 M.J$71L!BHP10.)V#A-"UK8@"K8=P5+_.3`*JW2^7(`6`R*:W$,Z&H M+EE9RKP:L!BMH%Y+<`$63J,:O%[.%"=XWT0IP6&2_/CZ>]YP?;)(.;=+"]3X6V5^!<98\$?EV)@S) M._*YR.^Q>,%G$:2(Q%DQ*GOS7&1@\GS.17X]#3\`^3@<4IK26A2DE"55=6OK M14H+<@##";%K:<5!@.RIHU\CNCGZDG^$/$X90J5Q9CN]0':^BZ=-J%.8WZ?W M@B'CRA6)-R,7^?[!S>"4PCHV26]73.KYGWV(S$2E"FU,7:4Z;_]'K94T/1JM M`/+H%AV@Y"`;HVKD9HMFTKSW2^_8I@7^-V5^R: MG-NC2A?K]B45UKN+%HUX@8;Q-D)4GM'"D)3(/".<]FBXL;O-"0E"/-Y=[,Q! M!/!N!Z$`O1M7(S3OMI5G.N]^1;"O=[LK=DW>[5&EBW?[D@KKW>;?3_/'V]5? MULV\=;G;K_.E3(^Q45,S;1C)LLITGTU9D*S'IFA*P)W<%U`\OKZKI/..0RW) MMBTFD2F^SWN+"NCZ(?5$RP!?*:?+A'?H]TT(*'6O*2_`:G9)#UC"47;=9[1J M!VZ7(:26LC8J(YFN>@Q%QJT.]@$=.)YLP'3_T3+`[Z:#*H"^B1ZC7P/YLJT> MU^2_UK5Y;(Y;$@CKI]73>GTXK2$M2"%9=U,6,8*DE1SVY8TQX'XZ=N!X_/2` M&,-.1ZL`:*<8`J#9Z;O<3^>F!VB^;FHKQS6YJ75M+F[J1J!+1]U\L?[;_/&I M*3>;9KLIE_6ML6&1A>S+:\M)=O7<)/N*DOGR/CFJ M*>F+2E;+9"CKT+2[[Q]+NM*276T>+7PA)+?N\HM,;8]&P'!"8_<,^FLRKJTP MH/:1),U$Q;_=G!A<`H>L^J59?U]TR7D`N1U0/X,069Y5@N4U-;06F:A3QGH0 MA:BMFF!@1PZ8-0/Y-+X:G#;^GU;+]4OO'Z`P+DTMI:)%2K16):\JWD-)"V;7=H@P M/O:>R_/7^0"W6[]M;I)CR/Z6BZ+,R`V8B46QW(U$N;,H@21>+" MJ"6>;M&@TSG^/?;=BY:W\S^Z/:+E73LCGV\7J^7P8_/';\URTZAFV3PLMFU6 M-*T.\\=?MO/M4ZO7G\]_?[YM9DH)355)),UK(VO-M-['1J9$2NQFQV&1(;NX M>7AH[K:+[\WAA>FDQ95TP)*7U>TFFA\%5)0#2QWGL2/+E9F)V=O_RQGDW$(V^[MS^H&K7,HOMYM/V:[.>%;5N M,T"7I62L9I3F/-?]Z#K7=G=7P0P9C1=W_\<>^4VR@PYKP-92>/DNI@I8=NL@ M0$B//:'4WEI=-8G;49VK&F>D?J3Y^F?UM?TH-Q^69CF_VS;W_12[-$+Q4JB\ MR(AL_5NFJC=Q79+2JN40=N1HW'2//UDLDT,%2!LFK@IYN6L`<;!,UD>7D&Y[ MGF)[T_64*F[O]2UNG`6#4`CEQ+IY:-;K'8K]?GVW=;_[$\,!X3-*,BTSJ4D[ MQ9:&&4X-Z9'5I:2`]@P!)T+/[LO:_=E#-\-0V8N;:Q"L'$1B$'\/K2Z^Z8,) M.T46C)##/2`@M;Z.U`"MV"Y*X,E^-U_NYNOOL]-Q_[Y>;)M/#P^_=%^DU9*( M?*9-H8'I+- M'F;2XK2T>3"F+WOX%"3;&?18?D/S>K^Z>^KZ9'9?N*CX?8$L(,\G:=:5WF44 M2\DAH4:2<29^H&F<.%O`RUGA?-I@5AV[/:?R_I]/^Q>U-K-UGCYMR>M(%8Z/"CY9?]8;J<$L);%!6K1%VF)35UU6/@[4^@ M?-1ZX&@V8_9?YR/\^^.L$7S57AQ_JL8-W=F8;14AI.Q;#?4K;_L;'D$'BB<>IQ M3<2?FW8<:]\.(NPX.X]-4RR7!Y(3Q?,!-+@0!2$5CB0A@I:\FNX+A9`G;[8X MUKI=691,LHIIJKFJI:F'C?M,6AUPB`HDF@2YW&B,EQSN$L)%1A#UL++"4[C) M,L*A7SR(EE>4"OZU.L0!$,&@.7#:H2FT*LNR@D%Z,>H&*. M'XWKW[[N=\:S>FN5X!P>4R`L8W?19C(WOQW=F8XIUQ5YMW.)#I;M1R>H4[_1 MR*E*FJJ*JY+5LDQIK4MV.!1=F4HP#FW8CC"B\>U++=1X!NXJ'IR/!]`-R\Z] M))O,UZU[X`.H>$4N[UNI@]F#D(OB^6,Z+E-M#%/42,8R*9BI>=9'DV%46-UF M%!I;A.DPLM<:,2M`1(604O@UTO M_G;^QZYG=]>RNWIXV`S-GHS84+.[2S_6NAV:-P/2SMN_[Y]?+[3R/\N.>_U\\.Q&U-;/V!5 MY[K[H4D#72^=;=OJ<6E>EHP7HJCRDIB\YD4I>URTLNM:10<3RXKHS:Y)O+TR M/Q'A%CS!]$-:X;A+-]DRYA+EGNL6$#6O:*$"4Z_#R@20:/AL.'Z3@A1I);22 MFLLR54;)JA8]%B(JJX,F4`#$D@&O7T["8"='DL9K/VK,V^,16[LX]X? M0Q7LV@SQ?X6GW4A,!?@`@8D\@"&PXPNVJ<'MB#CXHY!++ MI5B56$U*/5WSZY<@14E5U@<^*?1A>NQJM_/E2_)E(I$$3$7;G%!+H6;U>K-< M;[MDC0;#"B[+(`-PN`C0![ MY]Z7[(:DL:=(U%96JT@$K:=VGBFIJ`/R#&[7HX^/\I/%]DN]J=K/]7PM;P$\ M<5GMT85_C,8Y2@@"(HX9QYC@`5*:$P)*:';7GGLO:&/]_T M*JO_?CM7U,TPDOJY;MNJO5^?0//QOM<\QH(*S@N$0$Q8!DK,1DQ9&6N='.\5 MB&?]WV./GNIF-R(>#?#E!<^G%,3!?=Y^0Z>F_,%$34_ZO0?,B^;;D'U!]">) M82"J/XVO]0U>$N.J_QC1UVHUER.J]2E@;-LTW1*U2U1?.K*'WWR\`!Q3G.44 M"@8%2M(\RPY)BN-$ZS.OVR"<<*7P7G9VCD6;^K3\W$4[[_JB]."?RP7$I(^" M[M(BU*?`?-%Q@P?`\UK$88R45BFW>"8"R60W)N'LRN9V(3'(?:=P=6BZU5FS MW1VO\3$?(Q$7*,]8D@)0,B`H2LL14\H*K?T#KT`FS&1G].J+'',?/!A.S7&P MZ/$;.]V<=..PF:<>/Q'SG%WTV59*(AZ#&%RN\.GKV93@G6!MY6^[/"6I6V^& MS97[IZ_+]O^*-_E/,7_L@G6`4J:<9'E9)"F4.RY)PAD?H22T,%K3N+0_D M7EP\(]K^Z%36ZH=YNRFWE4*+C$,`&2X@)O*T(YYCPK-]LDCR6$>AW5GUK,L2 M:-0A];6[X)!^->6]#?-Z>NN0="_:JLSA!45U'X=`=-2#8[7O1UCWN/V7U_FR MJ4[M)']$$`.!49FD`D&4XS@69;G?5T`,Z5U:XLZL9]4$TT,D`E%.'YY]/##?%WG*VOFMJ;>=G459_=A\K=I-LWW< M;)L.B>(^;9&3/,Y*DI$TSTI:PC(?4<4`:WT&ZAF*9XT=T4<2?O0>O\=Q&-_Q M4Y/C@$*G)]'^H^9%N>WXOJ#F$P4R$(6?RMOZ)F^+;I=XT_WES_6JX[SE?VR7 MFSFXA&P_XX& M:/U8=/1]1#=YS_`B5Y?:@VY(#N0M=>7-QZ:?2Y*4WS)6O[S(P\L[V[\_S[OG M\5/;;JO%#$#:%74%Z!;%`*:"``30:"XI$ZVA8E,;GBND`5;4X[J+!F1WT8!- ML^HQ9E%-I*8@4$^=S+CSHDIGR+D@1[9T!J)#UF[4;I\R<^5YF#?W37^!PD*> M<%<]5$V/8(93)DB*$U!2G-$8%XRQT30NDMQ0A8SM3:I(';83+D&+?.G:.-S5-LV8]/'VS=^F\UCFB2WU=(__R MAV;Y6,U*0E'.*"XSB##`B*2[`W-D39?&6ENF&G^M[UD5B23JH>A.G&A0H[B\ M\\.*YE).A1`_*[:]^Y=69_H?H&CJQZI:M**#+RLJ^0F2 MG.O8"]`L)22A,8I!@5F1B907E(Z&`=6[E<_>FN^)B1W`2(8S&B$.DU.'U*P[ M)F'/L>)XQ*3T:HY%6#+K9Q;B&F&79B":OR\U\];7Z8]OO(];-[B=TT?UH_OCVK:;#GQP.-)\5"4@1S#,D MDH)E"&8<[(LL*%*]#3O/6'SOV'7PHPY_-#H0[?!&HPO#=]*['XY>R$_5=G[L M[C?0W;+S'4+%/;N`HJ>Y:><_<'YV[>P8O[1M-U$L`]'UR=S]N'$W*U*<"8*="B_N58F\(/`=_=/533Z#PE& M[&::[RE$BAW"FT='LV?H)S!^NH@FW%[J*WJ-52#Z[=G)C[W'"2A5N^?G_O&Q M["#T)Q_*7!)_S"3RJY.9D`,=)`-)DD.>Y;"`23I:+@10NGO.H3G/*GS/6+08 M449]:1[P<4*XVNT] M2I2^`SAUA[''M7>'C[CI%%+4_*;Q'E;+=Z9SLH8)T7!28X%X3Q#99&, MIN,X51H@YB'FWYN&']%4` MI=M%W5J\V1:`GR:_-N$VK7R?7+MJV(?9DK=MO)LR'TA[QK%32DUT.\IT6^4G M.SXTD4=WP)AQC@"'((\YWYG,1,:(04/5TX]@!/;IUVL?:\"2$%%+!2X&Y[%/GK"P@VD/(NR+2H%IS M8G>JFJU_[7JTD5M-L]-Y8>-PJ*GJ+2.AIZR.@S#I:/$9-@T&C6WC$HC&>G-/<0C9#8V6 M6OO>-ETOAA]4W;\_JZV;YGVHQ$Q`"3`&0IT*1N*`($#Q:!7',]4HQ*U.>J[#?JV99M5$9 M/1YUOE[WBZ[6:.UKQZUJ]349K;J%U[L5ZWA^7'0`-WG-=8FIB^66$XJ#J;3< M>/-+D>60)$/].GO(4U8D+(]1FH,49H*FL(CWUI,<:@W9.#(9@)[U!Z/UJ*V4 MS9QU$X6;A'!+I0OIP#DU]I35SYK^(%70WJN+:NB(-$-5_+S\8[M<](N*0Y=O M5N0H87+4NV`9)$`4`,6CZ8SD%J6=F;T0]'!U0+[[=WUS77X(;G1@L),XF(BD M_Q!8*N01P.-MC#!$\B1[R@IIQWV0\FCITD5M=$&7U7+W?KMI-_/U8KG^..XL)I@C/.G7X4;L\ M?_V:19TW[QB<\@MXPY,R_9__K*XPCM^RJ!U2W%RA^>N>3[6"82HJ]8J%4W>PW*Z' M?H$C-=DR9C8\N3)WY=J5+,;T6%\(E5#.12$@SE$F\H)PG(SKKJ3,<&9<#&A9 MF;0`&*7I;WZMD2JGH;Y'NFXH7FND1XOY^W-J+SGJ51=B:_5OH72BX(C`V!@>B*E0N_W.IL2X?:+#-]?&RZ>NK3NGL7 MJW9SN"?Z<$-T26$!6%8`6&*4\PR*T2Q.:($3Y;,@'=CRK"X[A-$(\>B>]NB[ MT@7M?AB^K$&W(%=/CT+E56-D?&)^S6;&[7E6FQJ_3L8)I7=-8PASXR[=J?T\ M;9HUI5BNY^O'KF@]LMG4V^[_%F7UHT/2;IKMXV;;='^$_K7LLA)(<8S2+,%I MDLIS-IB<=:(TS6$J$(`Z!:=SXY[SQ1[OT8MV%XV0(XDY>@AG$?"2\UL2ZC%PIF;\$)I)KVYU\]T5/N47G+^F6^7,\00C@N65Q@ M@0F$"@N)=@Z_&X^8J/"!TI,.: M(?H;*K&NAQ9:;$2F6E?DMWJQ?%I6B\_U?/W[]D=;_;'MUF*KM[)ZFF]7FVHQ MRP5A1`",,%<"\0=@2%T0!QZ4WMYRG1T7ZQ?YNG7Q<.\ MV;Q)RRW_ZW&U750+>:+(+C?-5_VXH7PHVUF"29PF15D`7I"BX)P(-H)@::8T M\N?'LN_:^\MO-/JO^)>YH)8%'U0[Y<`S/TX@]:O?@=<3-?4@4 MLL=-HZ%9=/]]`Z&1=&X:$+,0^BF/RV;U:M59;.:K6;=P*C((4$Y7/:YH M!RR:M]$!FF8OR)Q&M8[/)`SJI1@C\KPT;LZ1S]JQP^:?7O[ MTWJQ_'.YV,Y7JS?^YWRUE9_QB+KY]/(Z7S8O_?E]N8"$@805>9G"!!*4[L40 M0)%9=K@=(+A)D_L8=[0'/IQHL(=NW^5V$2#C1O?$L7'1Z[8,RU3-[NO,ZO6[ M'48J$+7U[.3UKK=S2FUTFJY6];_E088=`-94B^7F<]VV57L=9#P3*8MQFA!OG@U!"[2)1^(SR M5%G$(AYZZ66*P(>;=R;Q_GI"FBX(>AT-NEY\KN8=D*/BZG*N>K_K^;\8PG!1(H)V7!$`2BH&0$E92EUMF1?I%,TAN1%X\,\-]7M#L/ M[@XSQ=*)J%Y'!S?Z;3;=>Q$]1T^CVQ)$X$Q:,CYCYJ]_8TKWM2:/]S`&DB,F M##K6=L'L/*BJ6'G2>*-.L`1`9&$+(^SE:"C M'G4TPM;9%W0P M!>O)L]K[@ZJ3J,KJ47[-6RW7ZWU:[-',($E0EL)$4,Y$G)68EL6^A<=*]4]K MS4UX3D`CL&BYCCIH_QBKSY7&BL&61(64,@U_>NDC!.HT$L(T%)J)OR&5:A)_ MUO%SWKB[/>_NU])'A>?UG]VRP7Y9![Z6W)P<]O.$A$+S(!`-"4" M%1`FV>%K!,*4*GF_"&ZRFSWBC@[`[XZ;T`-V^QUK%Q$RWIB>.#@N]I]MXS+5 M'O-U:O6VDAV&*I#=`,].7M\8=DZIC5(/GXT]]H5#^RNR&8`081`SA%*293QF M>9&,2%".7A=C-V2J=9+&7>`Z7K1*7]7N3_5S4N'ZMNB&39_!29EEJ0LC0DGF&0X M[7X_&NUJ=N5&BK4ES_HZXNL',];R;JT]Q.A;^55_H6]/K4+_9%)6]20R0$(U MVB:3$FO6,U$B./KW;YZIY9XZV;;69E7$&0!XSGN<"97F94+A/.X*`0CD#F!KP+/P]K+[3 M>/3^S"4R'7$R9D]!Y*<@3D_;;\R9AHY/P9V9?)MPJ*;,9WP^)\BV%(6@P]8^ MU`Z?&'^,Q$-3O\KK7ZMV1I,TSY,")21-"4\$C1$?;19E M@72:'E:&)AMVE.BB`5YTP*?9QK#C5*UA,1F=>MILSJ27%L0EEBXT&YR0&TA; MP8TOM8>G3W]D^_YI+$+OU_1=HSBFD!<(IZA`)(YS2B`%^YJ49$IGB3LQ-)E2 M'199W>)KW'UI=7;%W!"K4$).R:FI7(5"I_8@]32TVHY.&]&K,RA]EH9SA:U&3$P8X^!1&?@CD]\;XU:1I2/05Y9A)M1**:,&L*LBU'(0BQM0^UPX?& M^)/(CK]*GNFUD$=/RHJ><<`1I9VM,NY,I7%Y^`@3<*K>A;4SXUF$UQ\^]-K4 MT0Y@M$-H_(&=/J/*9?449.KI[J_/SY7B^VJNG_J$D>]76_:+_6F:L49A)C"+(6:DOQ@N033AB9+,^\;@.0>,L.5;-@*7\ZT;>;S2X>R,4Q-8T??> M`]TK@KP%2ZV/'$*<]-*+UQ!YZ4(;T[:H'TKKV[64_[,FCJ^#L0\@05 MB>-@^_-R77W:5"_M+,]B(3"G,:0T3DM"TJS9E3`$<(C*5:UQ&[M.M91R\>"-?CO8M&Q-$` MV=%Y?49!4%/06_&O)Z+7J0_DE+T3M%U02Q_D!R*87EQ3/"_/GC[=$R[NGR26 M;]U_.T.LX("#!`@F2D)A7F(P&BI*Q@V.M-#XVSU+X-'W_]V:4J**)"RS@Q5T M2%-H\GKG2T^R;D:5T:$3GBBS/F5"C3K=0R4.WIYKU5HQ$T*'ULZ!T^=$&%.A M7(4>-/Q?R\WSIY?7[>9P[.E#4[TLMR\S0;*BH!`06B`H+XI/X+X"[GZC=2.[ M$X.>1?=H<=A_);1#N3]Y^"[:`=6L-MV0K59F3LZSGE@[H-A+F:E"VX7ZTBGK M@126;GVJ/3ZFFMKWS_7\I6XVR_\,-_*R^N5EV7]1W%6X]\WRYW+=9U%1]?V! MHS]=+MNA=W#?[""VLRPO8YH4>5P`T6ESAB#G6NPZ+"*F7)"R+!.&0D.SBD.[].CM&Y)0X97T\ M:[5XDVU.^M>RG96\!&F6,ECD&6."907#HVDF,J4OJES:\[W%<^D5O>L;\=%W M"517#IUPK::$4]/L4`05&?:BA`JT71!!EZ0'HG].7:K]/:.N5$\:+NN7^7(] M0SD729:4D*0"Q9T]6-*]X,;"C>IIV`M!]0:HSG1/AVU+W?-$M`?=N\KQM,IW M(,Y$^0QH#UWY3%Q253YCNM2[6=TS]ULE/S2:$<%*3%+(8)PG)0!%$J.]MO), MZ>H9@[_6=S]*OE3?!RRZ0J5#CIH>>>)%3W84*?'3?]L3<*G!IL]2("IA@OQC MB\S4>>5WOM@N5PLY"+A>C+_\]/+:U']64G/:G7%8H(P+EI(\98A"`"B*1^,I M)UH?AKBQZ%DI1F1]&M[_YABGJ8XX(EQ-8J;G6D]]G-#L19N4F+L@6VZ9#T31 M'#M5^WQ8=6L?N0GQ7*\6)TP25L"Z'9*=-$EK\CKM+_E'C9`"'E,]$W5Q&I+M%;DO6<+5K7JI= MH%AR)2+(>*VU"#.!^CTZ@/7N&7,TU+1/!-]YZ=P+MP.US3VM3I__3?$:_V6N M;-3,C.2Y*YEA-+HJ9D.2R5E0N^==;[&L]RIW1D5'C8-/Z%L?MM_@O81AL M!)5E?49]%U/P'D5C?I;42'G4T]5YY<[V+*H^5<V-OGDMW..?4>4D"Q>T??1$S\0%QH_[KV=@34'\\-KXYVR[`$0@5?E93!6/ M(XHB+OI>O13*:+'-M\OUP,I89R"CNKC'Y*J*^]G@7CS/-=S/;]ZEYY3CF7QS MW<2B6[V9$V3QOM*_EL6J[OSO7KY7F^VJ/@GZ+ONQ%57LWQ8*`4J83%/!L`*@ M.>ZEA4!9FJ9&#P54A`9[?:WJ7S0LRZ2,G,U%-+Z&=?<')-7W:FGJW>LZJ$BHO5]L2@OI_ MM\6GO,CXEW);+.^WBS3""%))48HJ':>,,K7O-P$BDDKWGLW!X_C[RM;0@@[; M3?"W"MY-A:\^XJ%&&/S>81S[._H>9Q>^F,[HGLFWT5T\N:=Y:?B]D_FF^?V[ MY?K3?6C_?<%4"1-<1;^?^[6+\>Z_[F:G4VK MS]CB;YXMOS;@-5%3&,(^H*"*:/_1E7C#:28\N(1ULJ_<+^SC=N0<`XGWXR$] MFCTZ&.[!Q50D,58B(JI:LR`F2`<.@@0`?^L%:T2>W>/V?IO77G%D()^JG#P% MJ/TD\FD>]FGRX!RC9&@DVS@X1&\:,+P"SSB7`U>&,3C'U^@6PX,>8A6.*/?C M$_RQDLP>45*?"0JBF"42P2BF2!+:(8H),VI0]PACQ(VDJ'EP_25[R3U-]?"D:2_&4=P'6H_"NN74F[70*O4<\M(QTBXD/('?P(;A$S%<.4LCB! MC%%)XK1[Y% MYO??;O^H/RO[1Z."2$((XD)%8?7'4"D:-H-#!7"8OG<.E-O!_'VMCB`&188-`?-#[!QNBG,?5.YS+AKJ M7!7K^<';LZ53)E$H,<%)5`EMI;>)X-W(C"&D?6.GF^$\+X*/0)[_QAF==^^2 M:CT_&9EE8S.9,<%F-C(RT=8>,IQP;0-YGY(+[N&0SYE8A\N(3,S.JN4^7G5P3VOEUZ)F#"+,]G^F)2"TU_#+-J?R\CB$%$200$%I10FF..H&R1D4JNUW>XW>_:6 MO\7@[P`$'^KG_"YBVEA))8AKD8)H\,H$`M$$1="8I522`%/TFX4$>OM$UG^ M:M]R60':S^H*E;44F#.F(YA>R3)4S*EX,M%,KWQ9BJ8%;YJJ>1KM6=FTIF46 MNFF//G-)-TJ*!#-03M-?[5TYHZB; MV22V5P1CQK24TR=9ILHY$4]&RNF3+UOE-.=-5SE/HCVOG+:TS$,YK='G3N:& MF7*R>I3X,(H@B!#.000Y1XPIS!GL1I$4$`/E-/W5WI63]3,['J`(QHQI*:=/ MLDR5C)33)U^VRFG.FZYRGD1[7CEM:9F'^&<.%NW@\$3T''_$0E4D[HBUI9JTC7QP]_;O=;^#?LV+Y-?LUJQ\/5G]]]"[E758\AXN080042!@AE8]B`..8 M]N%Q:M[&>`4Q76V+RDUPQ,K^YZL?[8@)]LP$/37!\4O:-3DVO2U7D%&3?I@K M".<:>VA\SDU_S3?33X;W&G:F1Z@]7>?4Y'--M+W5&'1-^%TTS?*BJ.'6M;MX M.?S(+\N7^B/^9U6B[?'O8ZR+[Y-07D6_4$*%4*B(1E0IDHJ0DNX%1$@$$,,; M:>)-&[AG6XJS'[/[;Y&];Y3 M7@,-*J3!'FK08PTZL/5QI2U<0[-S2+Z>74W#N^EVN2/*O?B$-H,7E-Y]%F:B MU1X"RWU/8-,53KTJ^ZDL=]60NZ):6OV2%:O\X5_+]2YK/T[S0B[+IX6,!4X9 M35.@$@EAG$8$=`!"(OBB4ODON?8JQ=FX)M_<8XCZ%6.SJ]2""EJP08OV)FCP MWG1_63^.J3&;KA'GI_:]E-<)P1\QSX MJ;=U*;U4,3M/RTQTU$-@IU6K)^JT=?3VCZK&W58#?\S+4BZ+XJ6:B'597"Y` M)%7"95*I=`P$1PHF2:_<$0(FA>:`83Q7ECVRH(86O,)FJ(=#N-03P)%H-%,\ M.P:]J-EY?B[(EP-29Z)7+B+)G<\X0T5*LL>L*+*'JKCD99EMR_KN9)I&B>0T M4HJ2-"$"XT,5&7&S1:_5`)Y5J,/4++=:5,V]X.V%N>O=?JNOJK+_7&Z,-W/M M*-63).]LFI9?CHCTHD]OD75!F09Q.Q--&A9#[G"RF72MG@[T:_:PNV\:\DBD M$D`00((!PB1&3/6CH11JW1DT<(C1M2CHL9GT1`[@\++TC$C?4/$9G3F#[M%Q M&+3K%K5C4J\;]&S/@[I0[JI/-MN%4`HR+I%*,811 M6/E`W!XS$$8P31-IML+B"@E(@I"I!B..4`X%!T, M'E/]UTX]C#W%&OG2YM--L$<^I/9RD1.+.2,N*J;AV?& MKJI^GR[=5^'LGG:KYG?//PL4K1>I$@F>((`(AX M$J)0"HG3#H^2@@_:]74%8GZNU^!O[NIL(AA:^3O+EN6R8(I$>?=#[1R-LWK0 MY-AD:>$Z;7-==SB/\[U%B1]BG:]89-W]A5/.&0$)$I!%'%1KIOU-?&$4DIAH MG;3N9>#YJ;;4[UOUDPJWJQ3G6?`NR9,GP,_BQ'DB1EN97$Z(\V6)?+M;V"O? M5[8@,8O->#(0+]]\V0F4*6]Z^O-&K.+C:I.5MX^RJEU6AX>! MG"N$$Y@"0EC]_J?"G1J%`$MI(A-6`WC6BAI3_<"[!67;0V!'G9YN>&?-3#R, M"?.B(6^1,8"Z'2 M*$PH9%B&W;A,D,1(8X8.YEMO6GR';]#Q05%:RXUV$^NG>*W"&"C:(3CWQ&HM)^RTL`Q*]Z-4% MABY(E0M>9Z)23D+)W4\[DYU?M2SJX_?*>J_YEZQH#@+JMY:$"A'&$0P5%ABG M1(5@?_IPPI*J]M/9`AXT@+\O4@%5"R)%8E8 MI&"82I7`:MS]@#&*D$DU9#^*YUKHPK>DQA@T($VO@A_`J5Y)-`Z=ECIN2J&7 MDN@L0Q<*HN&LSJ0<S6V>WC3YOO6=G68O&W%.IYXDC<2DF299 MD^CG'*NS%%T0)0>\SD257$1R>C25*W*T=>G3\G_SXJ[Z;\K;QR3[LJV6ANTA M@I^S^UW1G*'&?ZS*!4$\%"(F28PQ4A(GC(7=\!Q292)2KL;TK%@-S*#!67_? M:J3-SDB+-3B`K18@%5Q3"7/&O)Z>34&ZF;BYX]N+VFD2>$'Z7*=@)CKH/*S< M[\QUKY!)7M\UL:@6L(*Q5*413`&F,(0HZ26:8:WWA-V/.A^5;`%[T$E=_ITI MI0?JO6GENZQ/I98ML&%Z:9B(ZU%,T\#,-=.*.GW5S(OMU^773"SOOV4/AU&[ M6V]Y`I6D(>4T34,*@$I8/VH:&9US.G`HW_JX1_?A2P,O*'M\ICHXD%%-\1N/ M3-/GD^OU&\KEHFZ-H3@7-)4G: M*O;;YW_DW[-BTUQ`*=^-+3(R>+3@;U+.R M_?8Y.``-&J3'E8>AO+FC6D_H)F'93/+>(+C6MZ;8FU[O=`F\H'S.4]Z7DR0T$T+[43PK7P/,YET>.\KT!&T< MMLP4K'V_IQ&LVR_KU=?E_HKY:13K+$,7)&HXJS/1)`>!O/4RD`-JACU#_=C? M:)\(*$.)&4LH0#!ABHG]2P-QS*C>N1>.AIKJ66J-,&@@.GF@:L#M@(>J?FAU M]&!5B]'QGJ[V7)D^834G>2:ZY2H:G2>MMB1I*QC_OERMZ\>Y:5Y\7JZS@W*V M_;B[?%?^MBFR=I.C:9O+RU5MFA^SLKQ[6FY@^*GZR:>2?_U:9)6?9O4/9>4" M2J["ZA^(1A&-%99"Q1W@2)JU^D^'TK-N]H%]>,R+#V45VM$ZZB8X1!<D"O`GJ$(-M%6,`PZ"-\B;HXVQ^VE!Z)YP4>JI]'?/!3/`GGPI>/,-;IB[8 MS?2S8R9.-0,B\KE]<4?WQ[L_L_7WK`6=+E=%2`4]#! M!:DR>C(_%<:K\L8VQ%X4ZRC;NS=']T;+"3&6,_J?"U/ZHL4TF*DOOIDGKZXX M;&;\VWCB0!J<.Z*+M(S@AYUQWQ8?\\W7K#@U<*#B!*F(Q#%2BH<`(=0],(VA M8$8O'4R'\@H\L5\:5%^VH(URLO7BX$GAVQ7'G`_C^^*@J3`S7WPG4UZ;"^+XX:!K,S!MH8#8CBP$\JQU\`7&&=[[>F-T_L[!W!0\C. M:G5;NK7=X[^S]<,V?UYN:T`O^L`NMF$L1$22,(*0,9'`,$P)3*,>+%)&IY5/ M@]"SP]1!?=CF'[JPYM#M-]%4T+.B^<\",W.:>`)X\2PO.;K@8M/.B9GXVL0D MY'/ZFEIXWUW^R1KLVPT7'*L*:\J@0"(A$24*=R\VQ@!&1AU]TR"\(N]SU_:FV@J^%WWC3<+QO:^^?7J>]LD2SC#K/I=LOE+Z-@V=96K,=^K M+[OTSLAQ1@S:T>IJ".7>5U,'JX,L3@7@DN*H)2$4!U7\#.R9PO.4Z)W[[HI4V]8H%_&YW`_N[_@\C$F[5`;TVMI M/&KE3U,JN1**XT@(D(@4\?Y%,$CY(&=S#682LSM7'+_U#3=?[XR72$M7G#*' M+HSRWR5]`QUURC2Z-%GGZ;2W7D-*3=S85[;F:M#>XGW/L_T2[=K&3SM4%C+D MD$B@``.$$XYHO, MUY\C+S[L-5=#[=='SER[[BF!P\W6.B77Y;'V8=I9ZT!:?3OJP>F!`$HJ)4,I MTQ@DU=1D:8+GT:KQ^TNC5@:\O@Z/8LI], MCN+/`S+JVZL=KI"')^RZW=LB7C0J=\'/$G2A M<<4!JS/I2'$1R>EMWZ[(<;W&>*RT\7NCC2I!0!+$9(B9H"!D)*7][B$%6M=/ M>AM\;FL(W\6F05J<+@_\9,3S;_.RUV1W64_ MMJ)BZ-N"$Y:@$+($(PJ0I`B!_:Y>Y<68:;65N!_5M\4=`?V/H(4:U%B#`]C@ M]QINT.`UOGW>'?UZ5?PTS!M:F3O2_5Q0K\OAA;K??1YFL@SP$-CI#?:>J-/6 MS'\MBU5]W.Y/FTI1LG*K*@VOQ5R\R/6R+%>/J_NF/+A];/[FA?]8E0LA,2=I M0CE+0D5`*-'^>/:04Y4DP$0^O0#PK*0=YJ`#'72H@R\OP6O<0?[8_NU+\'N- MW515_21(3V`GSXV9UEY(RWO4>]%6&_HNR*S7;,Q$BK3;4>]%:$QHO:*R7;,Q$6_W$EH\PG4TVOF7UCZSXO%UN=Q7;+W?% MKMS"3]GSEZQH_[FH3\:.8$(3B:""D$.BHF[4%,3Z[Y0,'\JS7K8`@QYAT$`, M8/![BT]7'UT1J[%1/2ZG9AKX+IU3\6JPYSPNOW8[S`.FK=X^\KLDG-LU_G_N MKK6W;1W;_A5^N<`,D`(B)5'D1Y(BYP8X;8HVYQY<#"X,)U%:8Q(IUW;Z^/VUJ+6YMR@J'GM3Z!%'C*8!F6).OG]3X61W?4X- M+W-18"E)1E6R_WQ<>WUN[/H3SA>%]O)2(YSX.8P+-38>#<2*HQL/1(B+N0(1 MXVFCM@19FN8AN!?MT2/^21BA#^XF4'A7<^/='QB3W3"")K)(>9X+G>1I(E)1 MB'X8C`NKY*FJ7[`?+E88+C4.7HBX"4!=BC M*W7V5OEKO*<\;GFNS`B[1+>Q>VQ!P[G M%]_KZF9&,I(53&&>9HR7!IM$E_V`N4JMSDL/'P4XA?U7M\?PA8=FYZCI(+JX M8QBA%CEI,"[=DL^D:'3()H/1Z90)O:$S)CDG$K-99$QHZC)<9GNQE)*"&WMWKX# M`!MW"PMM<:U0BPQMH:$--A>K\>;/PJR'H,[-IP^LC4.:@S4/09Z?*WN1:.?& M+P3]DA&';VZK98MA%E!,IUSJDM!J<[2 MK%VMFWYLG&$>V"%R'W"TKM`6*GJ"-;SSX,&W=^L'ENI8[9Z)L!ST^M-F5#"K-]B>K^HF^6FX[,=_KS^8W&_6%LRT+[8]5.T393?ZG$M_GBKKOI3;/\/+^K M^F-37C@U958*G9`D2TC)LB*EJS=B"P'I3D@@B-EM-&YC9*C@#B.G(ZLN0[-.B?/-HY/Y;1SB4]`=FG#FRKK M[M-+7_,6]\URW:4IU:S6LFHG5W6Q_EHMNV^H75;W#\UROOQY?O\P7RPWNY2Z M;WJS3"A>"LESK1A3JH>7$6JU:6AH3,#9I@OCW;IY=[\+!#T]!78?"^J"<6Q8 M#2::74MKBGJY)2\'J=#5)A"TB63[=/E=H=JE[%?JO/Z0[4^=,S_N[GK MP"GJ%M"-T6CC:( MI\^H=F&@+@[TMRZ2O_?U[>7\A[.K0>MI9X$3DM+-+X=7$<1UP_@_8=$#"3L1 M/Q\JVF:4N\KMW;U]?O0$IZ/;AG-L9ZR#TNOFH>', M@KCE:XR=,,9H9$_$`^/%TP#-2D=G,XMZ7E\OYG?G]6J]W'3:5YMW_%N__7A7 MW7QI_VFEFKN[>>L4\SNQ[CYYO/GB\B$]'+S5Z!I0+Q7G^B M3[CR`.I-Q*^'B+09_-9P.E;EL3M)^>+VL$C^:['^^NNN[9G0+!-IJ4S[7YZ9 MDB2'=GBJ2VE_QDJ,T8`=>XNQ6UBM]BC1]Q8F>CRT(.]:H$X'B42AV6)SP^`, MNWGLA,EU.;)E:)(]SV\))]OR-!<+/E[:ZA"5RREL=H@;4`,U[7R2Q/NK(R.^ M;Y95MPL/D_=-O?ZZFFF*&2[+/"U23#,B*2YPCX"EVO[+2G&''2QMO)>?C]YE MZ+Y[0K7908M)^Y<.M8_-15+!(9D,+X!O5GDCW'ODFN$U"$TZ<;1PRT!6++V6 MBN)2/:6<%#FR8\D)@CR7+-7,Z!QQA7%.G.-IH=O^GIS4C@GLM$D M"YP83W>X8#I-%^]_FBS;1U]4?UK5JV:-3\8;&> MW\U*7=)2:"5T)C(AN"IW)^>GW0:ES&G[C^<0T/O06U2HA85Z7&@'S'4[NB>! M=D\_!N#.+<%XT`:S/_TH,:^7?1DH+G&->ID9R66I2T,*D_4@% M+HEUM>YW>6BWZ4#Y6TT(;Q8%-3QEC@8S'EL.-2\\:WYEK3M[=C7KT7A?*DO# MR)E"Y1D801-MID2I'S]5__^X6%8WIEGN?B)NVA_-KW_.-)>I5E1)S)66G&74 MD!X'-MSMY>;8@X]5,[IMEOL?]K"C5*0ADH34J@.I$:F*]15BP!KW94*= MJ]\(VDQKA0H0GU7%'(U(NS6M:N[OFWI[L'\'"#]W^^4.S^WO>,I4$E;0S!`I MJ."84[%?8^>&6G7VP$$`^_`6>O]EA(T9X"-+&+2,X,KP@EDLN:>BE9M+_V?) MY+#6GXI]3T>K^H%_>/]]>_H-N< M%4A2S421*"JT3`C71<'*'@ZA&8Z77?TQ3"2Y[@)`U[_:P>D30(<5*T9F'48G MF,3Z!B2*F56'D0HVJ7I)%BFEOLB?=T8-5^1-)-0(83KETUBTAC[Y/5$V2TW3 ME"9,:N.1B6_^575?<^W>)%Y5Z]6,)B7. M"-+WK>:*L*!#\T<$R@-V5IW(:PEE-,MX:C*"4X6-Y+G1R%W(JOV.+$T`+,OHE-=-F+[]]TRWV!2 M%NW`;>XCG5-JG.S-,C',J6L><]R1?:RKSG>`_9HL434(-SI(^N/ZG@OS@SOA M,QH]C=%7C#?@D]ZA.=AF&'UVG8KM^*\^%IT1B;5FA228E4H+U9WOWH^=2BRL M.Q2Q!AS&-RWW%KA4Q-$8M^A$C$&VETM.F6>'CL,8?/MU&F+Q;M=AL.3EI:/8$4Q7&MHSMB5%Y2*FAN1)&45&EC>U]^_NY\*_Z-H M?`8#]HPC_9V@LC(>R19MSJ'Y=3.=Z5(;\'(Z-,71WD(/+.$Z])AY.5+34L#[Z#DM1MB.7BE%*B)&X35)9CX439?_^"!2`J:20P-H= M5J0XZ09<'Z`4-&EIXJ8K<(F`4UAPS\4_M1VC+B#=!2GQ1E)@6(R.:3$"H7X] ME:/-G+QKJ,O$M*.F1:Z8,:+8YVB!/3K9(:,-VGN)VJ4.XMBC3P-.;TCO9E(= MYY`.="C!PKN:6[:[/I5"I`;3A#+-RU10@]/^^BS5F9.Y MV5YT"'/+O.]E:VHLS0V"%0]S&X`01W.#(";`W&P(LC>W['5S(C&+#K;[@Z'7A(4PN/T.8MO\K MO.]M)ZHL#0^*)0_3&Y@@1P.$(BK`!%T(LS?#)X&>,D0?/J9BBE[8GQNC/P'V MYLAVUV="\TSD!96*L;P57TO97S\GQN%[``X7'<(4F?>];DV-I1%"L.)A@@,0 MXFA\$,0$F)X-0?9FQUXW.M?XIV)RSKB?&YQ?X/;FQOOKDUS@!/.LM4U>"E+D M0O77+P1W>"#O<-$AS(U[W\O6U%B:&P0K'N8V`"&.Y@9!3("YV1!D;V[\=7-S MC7\JYN:,^[FY^05N;6XDZ7N"F>9Y*I621I24ZDQE>7]](3(G<[.^Z`#F1A+? M>]F>&CMS`V'%W=R&(,3-W$"(\324$D&X(OTPW-'C7*\]A-5AWSO;F2@[QX/DR-WX MMFBZS6]#L>1F@Y!L!;BAS:2R=L-G,9XP15\V)N*-WO";.)/"<=?=_\R7B_G5 M775>M]Y3K=:Z7B_6/\_KQ7HQOU--O6KN%C>;R?./^:*^6/[1K%8S;,J$X(2E M)F_+:RTR@LL>2Y(**SL%!0#LN3UFU(-&6]1G:(<;_0+\#'70T=\ZZ']WW+$' MH\]I%Y^,-&Y6#Z,*R&X_'V:/6.8@0DUD3R!LC,V`,S^*0Q]`=)NUE\N?B_J+ MN&\>Z_5N'Z.6S,B",YH7N2D%,1G9/_#)2VUUQ"LPA-%<^BGR]F\[[&@+_LQO M:S643"%6/:A"LIT=.YI>D_;L>%%:N79D4@-]^T/+W&N`,E[B M@A:89RG5#&.%N>D!:4*L-AG!HQC-O9^!AS7P*'J%>/C04L6R\7"5!G1R"Y*= MS3RF<)/V\ZB!6EEZ?&KM.LO'T6P^]'5>?VONOG6=MK\6ZZ^?'[9?>9@5C*A4 MI%F>*YPHEF8%WG=M,LKL]XO&'WHT_]Y^%N^`&GUO8://'_76$5QZLP""6#2X MQ]4BED%/6P:'#OJXCO4I-/(!HVL&F;I^::UZ"N// M^O:QOJEN](^'9O6XK$S[MS;+=L<&+-8=L-4LP3@WB6199C3)C"#"[$NG0ACB MD=YB0Q@NS57/[N0>/.K1GZ$=?O0D`#^?C2Z44]H;4R/O]/>FY?%*AV/*%)P6 M8\OEFAX=R7L]34*I,:UT"1;E\;0)2VI@KV_[Y_OYC\7]XWWWB*@'MBU49[2D M4NGV/PJ7O!2F`[??_$1TA#Y?*(+1:L1/U4.S7'@S@M.L.U$C$9G"!2MY.U8_;FFP_:$7,08;N:O7XXS4/;+G.*QM!T)OW$;= M:,S&Z<2!,`S3>WN=Z>!66S^$1W/-FW;67R M4-6KS4_.Z^ME-5]5LYP9Q@MBVF2EE'3WR1)>IDHY?4UD+(S`66@7%MI! M1EU@F^?)?6CHS^WYMOO@]K]Z"*]=L[8!HN86/0T1]3$ZEA&CS0:[0N,M3`2W M?#GN'`"I3(!$.E&[C#TM)E+=C$Y#,ZV[%3`3?JC6'ZOEHKE97.]^7S5MVO[Q M4%VOJYL_FOK+9;6\_U2M'Y?U1;W;RR&-DACCI-`DUZD4&>6XQUW(+(=*B2!@ MIY<;VS!1'^?^W^LB/4-]K*@+]ET+YQYMPT6M37IMLQN=?X",.?H\`4^=4%-D M]#SJ(UVDA`HZ:]Y@9H7E(R#%#B#4,%5GN5A==ZW2;HDP$PFG!15,2D;*(F=E M(O,>(.>%T]<4AD,UO>QYK*KH0]J4%T-6DFX*#U`[@HD[2K5HJ>OH6>VD#%#U MH)?4;S!/10H\9LT70+UUYKEXJ):;T?_H:LF5>6S37?5^47=/XS[.?V[V5Y2/ MU7E]^;WYWVJ^7,UXF:6&YR4V@JM"I`DE;`L$=P"DW$ MMP$#;(::[&`^W,[*:@M%%6TJ,#(ML#::"B.[+7`[*(12IP-;(,:?GA=WV('= MV$&>V'X,HPRX(]N(,K(G[YF-XLKN.KTY7_8(T=N9?>F,[\VFO2NV2#*2%RF3 M:<)PGF":&\S2'@FCRNG9!L#PDW/F#CJL,3MH$]F7862!MF4;1<9UY3VO,4S9 M7:2WYLD>$?I:LB^9L1WY\FNUK.:WK8/-I,PE20K):*ZI2DHIL[('T@*TVLX+ M-_JT_/@`',:,762)ZL5`BH!:L8T88_KP`5^X#7OH\[9'PWCLZ[1'==:HC`/YZ6FRQ_30 M<.>TYO]M^:5]6'XNZ4B;KS>>U]?-??5Y/5]OWIS\_'AUU_W\4_6MJEL0:2HY MIMBPE$K.1_6J^M"=HU20A&2$8B%R M34I"UDG(.NA5ME!0SML')K.YQO,::<+HBC^4Z;=O=PU6,WB M6S4CFN"R5"DC$A=YRHNVSM^O82GG(,^:7$%,QP]WSS=Z1^PB0%T(4`^>G.6* M_/@)4BGHAU`.(HW[+.H9R3&>2/GJ-DUG!HC3]^E4&+&67RNWYS7/R_JNY_B:K5>SJ_;=$(52QA)BK1DAC=(S)"9&;Y<;YX MP\'=_AU(U*$\E)?H'=HB13NHJ,.*_MFC=?ND7T3.73[U-P[WGI\`C*J!Y7<" MK0DZ8IM0%$_A_!2(L!K8F>FXIFV7R]LVP>936EF),R$Y,47.5%F*HNBW9Y&4 MLLSIW32W*P.O/KOW:'>=L^V'YY!8KY>+J\?UYD2B=;.[PQR7F([LV:T;X8AS MRP;AG(&L^'ZAY\0RSH_&B:S-/,$W,6:2HX,<1C!M&)\?KU:+F\5\N:A6LKIM MEM7E_,>,RS+5*<.N/&D?5?X&[);CQK0E3U\\X_/K M#ZE;MR_=)B628F;S,$:<[?KJ*_(KWKJ*0U44'"UDR\F0;9[5Q$D+Q4;T28*W M,ZJEDW5'M$RK2[6Y0:JN>TUU'UIV_]V7`@.^O5VM5WPYMUU0%$,6Y&E$/9:& M28`B.`AN%GE*=::G6S.O>0TP\*&'^%-S1M1,S0-,=;V;2K*TVEGD5UGKIE%K M2N?.,W9>Y32Q[8[&Z7+HM<)II6JTOGVJ+G=WY68XQ.OJK1`:AQ'?B:(\QB1- M80(]TEM/^?^FB-Q(D]:4;CE,QU4%:@$5%&-J<^FB>IS466!YNMYQ@AN4X'!% M,4N-*SGR%*1O(ON.ZM]4K]X102VD35!"\7R[/I+@B(0,IPD+&,WS-`LI@8-A M&B.EVL'3KT69DOZ-I=M9Z1OMT+NJ-XTJ;4N_SZOBFD/8\5F]@$&8)7'&@C1($PA#&OC9 MH+EQ-%'ZQMN=Z605$MCT5RCF?1\JQ.$,H1H?E!='*,9XHR.9H\ ME60E$&4S^&7H+9<'W# ME[V*;U)TF;7P8*5Y"M9C!==/X$-3+'=5_70\KP?(ZF]7M(5`^F'+'.RKOWK1 M1KRI!S"2-)Y_':,[%H[HIPG/7K^K,4/>5/W\5#V6VQ<(HHBP-,V8CTD2^Q'T M&>T?#L(P273HYQBS\^KG@%B[?HX*P23]-,V^5OU4(]ZF?KY!H[I^3HF%V_HY MR3,Y_9Q.GK1^@@Q32!$4M0%."0()\-2YDLQG3Q6&ZNZS%+ M"QW65>;L,="1N?'#4//MMM[\U)U6#[C'[\JT!T5]-6([&E.6*!K"8'SM(L&G MY()&9V0<45=C[IU9^NBG<>JYUUL((DJ#`$:A%R+&_^`L"PX[1QPH5375:-;" MN=>-.'[YL.^/7!Z.#F)NAZE=:#[W&A6"2>=>IMG7>N[E@*;*TZA^[C4E%HXH MJ0G/Y,Z]II,GK9_"/*Z6XC\Y7R<_%FLAY&V7W9>WP@O$#84P#M(<\VTMAC%- MXN'NE\:QBH)J-6Q80YMI+!Y*-#\G&#-]Y<**JHWD#(Z>AL,5!34LWT M&]%2%2K/J*F1B#BBIV9\JRT,Z1&:NH`LSDD6,:[3*`U#Z.4^[C\[]VFP>&@P M7>V*S4Y>,=_]6)59^!*!VH3\"*[+[ZNJXFEJAKGVSAR2YLFAN2&/^8TQK^BP MVEAF8>YAOD=C)`\0#FGBH^$+I2AC?C>6\VJI,)+?^U#UD=S;5QW'967[5%AF M!,ORX]((EL;\U@A6K^FFW9VY!U4-LC_PZD$"@!`(F:'".*2>G9W;( M,GAF!FD/@B.S3+]?M>'1JSA;W[#90_I2[/:;9C-\M;^_+S9/^)'_T^_EIXIO MZ9L5:_$Q5W=EN:/\GR[\!)%< MO!E!.4F3@/B49+T'>>`IO>MP"+;AO?#;:B$>B;3N7H"#PZ#SF/^V]1GT3@/A MM7@&T?G=?(/UK\9SP%UOJP?S7W?>@\9](/Q7W%8[%!C)_.$08G,9R-U19"2C MV8OIF9SHX,!R)*NZR$SMO"K8S>RB0>VW6E3_;MK4BO7)*^2)[T<>]6".18%P MG,4)]'KD$'K$8D;7`=?)3,Y6?Y?+1G@O&HW=U4V5_U&=P!W@V$Y2MCT:9DO& M%VT3\F>#HMUE_N@Y6"*$YG*OSO'SS\BY6AG1FVOU!\M(CI59"<`@IWGLA\@C M-`X015'8VAE58#KS`<>WHQ MXU[M4!]MR'4ME M"'E#O/23Z4*74KT.U:;&G>)RK/EJ:6MS0;PPSE$4IS!BF98:]_O.9A]+%KMX5:[EI+_VA2G-^ ML"\]OK^)_PM8=>TKUZ)]I>+4EZ=';MX;849MTO<0+$_XWNR9V:Y,CB-371UW M/7%4*-?);Z_0\[\?RFI;'BK-+1B.("8>"S&">0*]R.OZ=7*#GI=E:F7QQUHQ MG/J'9S0=L@NI6GN&ZK&?X.C,M)C.JR/S1(,CKXJKZZ%&>B;Q@5=O<+7\6J[Y MTGS9V5V$_!,I91[.:9!DD,_;=$C.00Z5&C..-&%X#ET5ZZ:S6/-E\?+^85T_ ME26X+JOR=J7<@W$LBW(YU@*!:AFW`=00UT'JAS-\4R#5YWKL9YN6F`,B M4+XW0?20)7'H:I@G-269@2*%DU/#5(T[)U6B3.Y`]+6?IXX_)S#BPF'G%/BU MGH$QYB"SL[%=^)E/8L(@#=*<8$0]F@[;J2AGH?)1IO0G6SG,[-',<737VW[O M\$Z9,4<6#2/!OW6`-Y("N25"<\0U6(B2,`PBBJ#X<$9]/Z?#K,H2G,@"/RG2(Y$JL!<[RH+01:2MX7@,F<**1_<]R,R_RR',DE_6?>GL M(PN!D>!?5R,=38'D*Z22CZ1J=WG;3,.V`^GG\K%@TH.C"41*K"`L<:BVG'"$/I57 M6G9H'/DV:RR=D@^R3OI^\AG6=+9<6*3H<*/6.XB4]FJ;HMK>U+>NM!@R+-8#/-#A`PTNX#=W M).W/@=*>9BJQ,CL_BYPJ[@6=HU-ETVB1UI';R>2NXNS]-P\\B13WZR:OR3E9K>Z77'.RRVN MEI?7Z]7WYA?;G__]!7\I[Z_+S0*Q.,=9&H9>0(,4YSY,NP>_`0H(#M4:6=G# MI3(O1[6X.K@">E]`[PPX\D;Q:8+%R)U/.FZ'3"U#R<8*'/O1R.N1)^"#\.4G M\'OKCNW*N=KB<.:@Q'ZL'3EDF<'Q>NYI-JW.0X^.U)N'>O,..O;+YR^D@X=3 MF#&21W[J!Y#`!.5YT,,C(41J"<46*N/IY/5W1`>!.G)F6L4&NWLX9=TJ631@\G*V[^*)=7Y4U71:AYU]:9AA0&,$[\R.,IRR.4 MQ;[7FZ8[A91F.8YB6.61#YE@1]&-!G6YWFFI'>Z;!K6O`'FQ]MZ\W'+@3Z;G@-6 M(,#R";Q=*=$X/$J9'KD<97I>U6P@ M@P-F($!KD\UQL9BJGL;#H%5$%2-@647?XG*4F$X*BO.:.LT[:6G50**TPOY2 MKI??ZJYF[],!@S!_4W^O!(!?ZO5R57UO<20)]".4Y'&.\BR$F/\0]3BR-)%Z MX&W,N&&5%7@_[NJ/]QWB9S/\H4(_16?T1D5/:68.AIK6ZXV!$;57Y/*.W MQD+CB.*:\Z^V-,;-J:[X$D^Y780<1Y`SS$*$0H_F'D;#043N8Z4>3OJM.Z>[ M`K]J@Z.%]]15$K6.3IQ@A'' MV(>I'Z8L"?PDBV+D#4\A4N1C^6)'(PT8UM##K1$HA@.]&PY,J:C/6/+.*Z$U MWM3$;E[*5(HA6:!NW!=:1E`H61=)^@18"T,N?&EEL@^UQB&CN.!]?IIQ61W, M+X(P\7",`]_+DY2@+*!1VEN$""JM;">8,2R_+T[^0%T=+9T45ZI3R)1;DEKB M44V.1U)H9(EYFJ`S:TD-K#JR:-3A2:U]R"E7JGXLMSN1T[:L6&W^4ZSW)5UM M;];U=K\I%PG-_"3%!"'FPXRR)"-9;Q4CY*N5JYYDRK`V':&[``(?:`""`T)% M@9K*K)Q(62153:BF\&FH$O@YILXHEB:*'5$M7=Z\*@RND22Y32RI[^]7K]+S4SO`PEA(E]DW8AUPUK>808'T*!##:Z?P,T1[HER928T$EE@ M]JBH)8@?/"!*1=UF#LRXK/.:=7!;;X!RW*9WZAS!WZG<9306+J0ULP[6MH:U MTA;EC@_;P6Z^'?I7!QQL.N135_"&`B2S-9H_-HK[IA\_ M+"J[KOG#,RXYWI@*D^2>;11O)S=T9J/@0EHT[6)M;U`KWCU1+Y M&'I!DB8].)ZYE;X>:`>1X?39.R&J(;=N@,X/T#H">D^:5?/@"VB=&2_=EN,J M=T'B7DC5LJ[-:!JY=]$2@#/7,W8#[,@MCF6GZSGGE&K=I?[ZJ2TO_H6;YA"7 ME]57<9F^X6B:+^_^5M77(MD)3)^JA_V._YISOUJW14`:K(L@]>,\#!D,,\2Q M(B^BW?>-6!`2J-3/S"8NPQGF<)U[T5?:[]T1#U(&A]JO28LWT0>?0.,4>.[5 M^^BWG),^KZKR MTZZ\WRXXM!B1*.&I,D"$[\$C/^IA\C^Q_;PDC^W'RTW"-]`X-T^"4HB[S21E M)N2S)RJI:#NJ\9PP"?2QB[FO;XV$+()*ZVG(F6 M6C+YAP5*X;++F8"-N_(R'#BYBZ\I')ZZ_K(2%QPX6ML>\BJ)]DPY^Q,H MJ$<0X_M5CX91BCP6Q3'L4:`PDL^N^DV;WN2=;TOQ+UT";2`F$NESWG`H;L!^ MW$@HY,=Y(S(N*9J)C%PN5.;K5`(T1[P+6<^@=[65T3LBO[W,MD?M6DZ!"2,? M[UVO8(NF:A-1`F^($W+B0:"I908E;E[)S^:BX5#:=*@DV]D2].43FX)\[)T[EN06$*]&$9> MG,8>\Y(P]SW20XHB#^EH%:,#A^$$VC2ST-0G1@OM:2S4;X'+E0L^*J9.<:_?3*/_-8545ULRK6GZKM;M.L3[:7 M?U7E\K>KPW$CKI;X>UG=/!TU%L.[`>4B2N/,3PD5#<5($B#(DG`X6PQ"I5)@ M5@`9%N_?KL#1^7Z+='S[+SLADGR&X5IT%'<^/7QPA/\"-!Y<@.=A$]\^ZD)W MY,<%*'9'"<#VWCY$F$0$ M0AQ"FN4)]BBEP?#T$/OR18OTF+.Q)'_>84O+"8DFKB7.JNS3K";/CC.L<.!D MG^EQITMZ&)<[2)+BY-2ID5Y"73@BTNQ1;6STJ?9^:QX&OOD$@289C"AB#.,H M0"Q$?CPD*D\N74RW8CA+M,#TU..<0*7<+GS")Z.J>. MK(PU./*R=9HF:J2UB);7NX,5?,T7V<7-;I%[/LO2F"1^!@,O8I3&;6E/'R?\ M5[*%;$=^NKFI(P`=31;P>X_)]M<"WF;FS*292*4C,V:J%[76\:6RW\OJS:;^ M2WSM>76_VC'N&;M;7U_>MC-VD?L!0H0BODQ(^`^,1,SO3<8ADOKRE@X[AG/W M@`ZL!3P@(@S8+Y\S\#^BED'1@%39>$RE56)/9Y%1-3%RCDR%[9M%4L?MVR:2 M*[=A.\_"J9V:)NYOZ?+BNH/O'PL.`7;G\M*_$HDFZ,# MQD/>V7XI_A:E,O"]*$0X7%4M_#QG,`\"GH,P"CC"R$]ZI-A'1.G2QSX\Z\^] MA5,7H'>+_W2S6SV*5GRB!L[_EL7F`G2N@,O];KLKVLJ@A;B)>`)?ZFIW!_)J MJ7IY-$/@):^2W(ZYXL72N^'N?`+-&OW9A5(?]=:;PXL#VW=+VN-Q[J9ION`[ MLE>8DX&7MU!S!\-*&FLA\D3;@_RMVF_+)=M7R^W"#V(/YCEB:12F81"&.8V' M/57D*[TZFPWD["GMM,9UVL:7IH-GHK*!\`TTSEE,:],&@OGD9FT,V$MQ$\+O M7*X[%QY#&4_+B/@'Y#T]/&C,?AH#(W=.AV]N-OMR^4E4A"^WN_SOA[+:EF(' MN?`H]",*"40)S/(81@F%O3GBIYGT&=T$&Z;OUEID8-5!:TX\5(Z0IM`G<19G MB3DUW2Y>DE:VL*R2IW#V9HG$<>=N(\F4.V\[[?FILS8-7+EPSJ;#C5KO$%+N M2?K(E/I;XX M:AN38='OW0"='Q?@[95H\V"W_U7G3_N+PPI5^/21?]R][JKN"`%RE-&,H8]'&4)FGH8^8/R0WG/I7>`DRR8C@?;(^P@:4X:E@UZ,"V M@:>RHIU&IL2&P!J/:NKK#(4*VP)K5([;&(RF5&YK<,[[4YL#+8RYL#W0XTBM M>S"IR/;GU9_[U;+]*GYS9O02P<*+HR#+PS"*`HH"Y#&6#59CF$A]AU*3*<," M?@00%.W!\*O9HR)!&KB5D'*[M*KIN8.,*BB[76;'R?LTAN4T_ET>3@F]/@)= M4'N-WM1&1IGBT="OF_JF+)=;\=1+Y!FQ1[B\[3<)C>4$$AP3DHC_>D$:,QS1 MWG)&F*]RZJ/!W/]3=ZV]<>-8]J_HVSJ`@Z&H%S7?*#ZF#:1C(W%W8[$?"A67 MG&B[4G)7R>GV_OHE]2J5'RJ1(B4%@YE,!V[?<\\5#R\OR4O+^M\@K`XM-ACE MYF"[DB^W$!5K-"9X'E9^F9ABM;E@/+M6BB7G.>NI@Q@D?"$E#I,>Y=:^3E6E M.SZC=GS'^OK^=O]X*&[$MY3N]]VN)ROL)@S$7DPPI(!`ZI$(-#!\CP]Z,]J6 M;=L:V'T`L?/XNQBF)62GQ=RYG*LJB*;#,5`=9XR$HE2:#8(=W51CLT]$+<5E M*8IJR[WG\FJ51J6;C<>F(>6;*Y\?]NEZ<[W[?;W/Y%F43R*S=5<0$ARY"0_\ MQ'>3."$^:K/:"$=*.XK&C%I6U_(`VA'H9?64DE-AE8\L-6@="5=15LTQ/TQ/ M9R%=34A-\6WM+NH0_GJDTW@(%J*9YOUZY0:K!>*&U5QO]MD/\"7Y5P8T-AW_2AR<>B3NG&2+/22:-"RVXREV5;<7:1ZRV]#5`^HP$[*LNJB MNX3F/#38QM5?Q].I4'Z=E%:]ZNLH>H<57\^Q\%;MU1A[2RB]FG,FM_&!F13_ MYHR'G'X^K`\%E#6#0I5:;]JU/%&<'VO'H MZU[^Y%9@=Z#S)-&;E#C=^!B81R8(C?'99>%1,3@=31`=:Y.45I3,S%^OTZ8[ MJXT,PL\PUXUU464&-$*GF7GQ4[IYO#L>G9>(5E[$$8WCV"=4+-($CL0[;A?@ M$!F;%'6,+V!&W%>P3T>W2=G5"HJ!F=!V/,Q/@\L,A<'ISW9([,U]BJ$Q,^V] M0I?NG#>&^9]APAOEG\IL-YY(\TM`]W,159-N1''`":21"STQ\R8@2%"#Q/7I M\!=J[9A?P'1WFL2ZXO]$=E<:"L$QO/RS$Q?;J[]EA<32VL].:*9:^@T*D?F5 M7TN:B86?>@1^AFEPI(>ZRSY=,L>TC7A1B"WO0P>^F(1IC&//"UR_-8VHZX]L M(:%LS_)D]Z*=1'.9?]3FC2FN!TQE,]"L-GR*MPH`AXE+.B$=80%&< M<-BVV*!4Z35`LY8MSRQ$9"&'TBPYU]_CP2B%@W7U\]VW=/.X3:_O2?[]89O)4UE_9,6W M3^G7QZV,PA-9/V2%[#+QUV.V+Q<1A]]V(@"RWT2V^UK_H.Q*=YO^4R2"QS]7 MC,:$$N+Z/D@P`90$,"C!0A`#BH&*_LZ#T+).-T[)`W!'MYR_A5_.T3&G]LSI MNN8\2M^\3<2D`6HM%V?,LG^*+UGDBXVMWEW]/;]3_U`J?& M0/)=D>T>APWL!:0512%@,?0B\4?BN3[V,&O,>H`H MO6&L.L@2OBKQ8;X>>O-.SH:1W+1R%0UYE/E2(4=><;+WX,L^H>X.AWG-; MXSA=R,@:[<:+LU@F:%%HR-UT:2SRNS^K1Q^J!R!6T'=1$KD@QLB+L=UJ82W*53P7,J?,JMM_49'98=3$2E M6DJ@RZ&E!MMO,=0C2`9H78@FF?#D12-M0^0H5,*$H6_Y5G!U8'\]9L73I_2' M7!-4"!ZVL@@7AS'`/L)1'$9$Y!0@2AK3`*CU1V.O'XE"(]76V^[IB1#Z@GH3`#Q($(@""P&UL4C=1.I$RRI#]$WX"VVD: M<>ET`$Y_H.Q-KOH/D(VG>"'#S8PO+P^(F2)(+:FH\A;ZN!>&;M)]EM>/W;T8 MYH<5#YB?``IB%'D^X0'RFCN$8IPK/D%MVO84R4:=OCL58*="?!R4K\R,JK?X MC$=$(0^9*1@:.8G1.-A+4883>BY=L1":A6BI-?=>2V.LT6A&<:^+;^E>+"") MBW$L$B@4(@^QD*"HLAJ"=2DD`XDVH!VFN?8O%R>H7=Z?2P! MZ4JB&N,_@PHJ>J0B?#ID*2S?=E)6LWQW?=_):ZN_+M*-NV(!]@%T"6+",O1# M\9^X,1QZ0*D=Q'AKUA=R#<#R=8V3LG"+4OENUFB*!V[!3\JNXO;[.&(MK9+/ M\-6[5#;%]4+4S:!#+Q;-9JE2U+8B^[)-W]X+^.TAWQT1K@@/?0HYH[X?PH!' M44#;G0'*?`VU,VM_$OTK(3O]VV/.HP#N')%KB:+AV*C(Y'QAT1%.LQ&QJ*9* MM)[55SM!6I3B6G+Q50VV2:=&TQR>[=:[N[)CP5V:_9"M-_!VF_\M.Q[P?$\$ MQJSXD!\.Z:'LR[$B.`D)I8BS"`6))_Y$]95;AES78WJ=<8S#L+T:[[0^:;$[ M1_"73@N_?!FW2Y@,:8UEC@F$55J M7V`#@&5=UQ`(B=TIP2LW++`2H6%2/GMPU$3<5ESL-"?0X+9'MZV&:B&*;=?' MYZT([!,Z6*6[AC_D:]GRYD.Z%K)5FO]CGQ5B2KD_K+C+J)>0Q&4<(9;M<'TV97K0J(^K4?\"Y6`%.!WK$F]U@4@BKL?\I5."?I\+ MU!,/^8%<]HQRT]%8R,`V[E9N]R.VEV21?+M-[XKL1[I]8C_6VT*-C/'?R=SX<9K)"@V%?R*PRD_/Z>:3Q$`R>H>2D>&AF MQ<,1Z<>TN+ZG=1FZNCVX0@2B('1=&OK,\Q*0X#!J(/B,#GJYW89=R[-+"?68 M31Y.!$C@E97#!G'=3&1B45$@LT4,M&!<2)4>,["#8);T<:(,T42`M#/!B6-C(N/[29(ZT\F;P4@M1),M M.WD^&3-.Z;"'(DF^.^3;;".ME;U-RM^*\G$A'Q!VR;07'L,9+0Q`4AC8";<.96+1P\+TBH?VZ=.`LF MJV=Q6D^9Z#S-:BKU&K[\WWG,T3/DK,\BLD5W""Y&S^9XO8&@I+A?$RD0B MNMGG/S(!(GGZ[2!7*'7#P=U7+"?'K,C23J]M'L$X(@"%(:(`(H(PKI&$XJ^4 M2@`6S-L^>HL__^+P#]=_?';XI^M?G>L;]@G?7GW\CX/)[=7O5[=7[+/BBL!& M#(8M!V:F7VU:EV664L,;N,Z7)^="(G:RW3NG!>T<4<_7HU6=V9ZU@,4P+60A M8-/#?+)O7KE#6GY?57]7'*'8(X1A`),X]'W/I7YC@2**5#NB#?[%*L-5JP.: M'+59U4WP7\[%5F!ZYWQ)Q>27.NNBV&=?'HOZMM$NW[T7GTLA;&WE,&[>UIZ\ MPU=#7L^(U&!X(2--!_F+CEV:SJMD)5655!K!]6<0+`(ZC!D@,.5<;0.;M3S+.ZN'UKV;`K3O(G2)_$\;F?T`"O='YP%H.553LYM"73ZQ6$/ M:_T+1A-T+V2(F_+FY<+2'$G#AUVZDS;KKOBK("`LXI!P/W`3AA//"[S&"@YC MKI(:*OYJRTE=C<9Y$'_KB'__>[:KGMN^R_NJ+$9(&Y936>1++1MJJ*J13*TR M)S3TJ8H>7TM1$4WTSU5C#`F#5>+9*^/RE%_9E"$1^K3IODB^@C"!(8,!!R!@ M'@@3G[<`F!^Y*@)BSJIE;:F:XWV1L(2<''$US\VI+%:5?;7UATD53#L#U]WQ?9/\W4.ZL#+XNII[QI47D M0H:0'O;D.!#^L\YVTQY@:-E='7LB5"1PR-P[KJL'-([Q[W94&EW'=2S`Q&T3LL%[!. MJ=;L7])85V#E(Q8UFQUP$XM.#TT]&F2"W(5(DA%7G%&Q422IW6,^WNWY)=W*JSP20;/Q4V5^U8://(2--YNL?%;] M-N_\]"K!4>+A@."$8__3`MGW>ZI MR0']32!\?Y_OWY="6:JDHD!.%[=A4KJL@&F);J6N1Q^<7[I1NG1.'6EW]*4O MET[KC?S[DW]QCCOM!@+1(^>3QWHAPC^]WZ]=E9^>>)7-^+LTW1RXH*XSB74M MLP@0$."(>01`R&`(.].8^!^EG<+QYFSO'M8('?DQG6;%IW.`\JO6XXD>N+LX M+<>*.XXG])YFR7-J\'G2^D\]F&)$;IITJ.7IQ_,DC5,NJ6'$#-&_0A[09)`&'G<=UE;*_5B7Z,(,-[H-'4`?#BDQ<'9IP_B![Z5 MVVSE$"V^9?N-\[#>RTJFJN:-)WR@Y$U#LI[BU=ADEEFCJ]Y/F[&F>9:O/K$S MQO52M,Z<0\^ESC!5@Y7N:G>WES4(FE9_7NWPW=W^41[XK&XQG/1L6J&0D@00 M1D(0X813*.!%PWJ=\ZFQNUD.V==(6_O$_R23[N MT8);)K7/>N%A%/"8\8BY/J/08P%CH%5['B(C.JMC>*(4LWN"I#Q2(B*5-O>B MR]/N#_OT>_;XO=HQV62'N_QQ5Q\`VS1])T5VNO^JG(L:BI"NXEJ+BDFA_5#M M_UBRK=2O*O0`D**$)<`,O]GT.V[.=Q/5C M(PFEEN59%^QY65Y;ETAG'Z2OT:AZP8))QB'<4`)Q\SSVZH]B5V\*O)BO1TV MA`V:55J3M`@'C]^/0]O?++8'9<_XM1"&A0Q?&YYI]YI4)$_K&%.UO_9Z2Q,H M;#,O(@'F$"6>&W/R??JX^_L\[A.OL;85C_0-!71 M8TXUM1@7T1IJ('L#CS>9X'\APFC&F/OAT>GGSWTX+7/OHI\E(:!Z( MLLV^L:-1+]EV/@^H:D]S3.IM%E4.3!F(Q5(DU(9KYPY1&:-/*[O\=5W4UF[V MZ4.-#>\V9+W='J[OY3'6V[S^H:<.-!+%;L030,*0AYRZD>>W_2A@")2>GIL" MSZ3'[!_VV>XN>UAOG<:#2^=[ZUBYS74G_7DNS>6)\2)_7__LTX@\UEII'L:NI43140#-QJ1BH\S/$T2?KW/OM;]&@^O7+S* MVK/3FCGX2/+5LN$"!^7=Y<]9T_$^]W<'0L&<3<@VS;#_5(4U:Q3;V38)BG3 M+U-T;X,=KTJL2(PYCSSF<1ZX`(8^BU!C/L(A-U&BT#0]C3)6X]+F[2Q=YC5+ M$C;9-E:.>'8S=LM.\AW-ILGG46>='U_TZR?5S"`E`(?43>!*([%/WG-(=W(@TSIH*QI MV]9+"DT1X>Z(3[9NT6G68ISW82(Y)^5J8MD@K152T"S!.A7:X]OU=1K?(IY8 M-A7Y[)%/6Y%9B(Q:)&'&+^)"SNLSNQ6I6'NU84,!@E80CB@/"(4AQ"WMCU8:13F!QM]I[%%%C=V!X*HA<;W\I'\I;[Y+U[L_RG9>5ZW'(``H)X+=AXF\?RJ068E=DKQ[D!$44,A@C'S<(4.!#$[L[^M:G/W]: MWO`_U$>?T@;HV`V>$?QK[O%8YMS8-D^#\](ID5Z6O+/SO$^SU_,FBRK;/>-# ML3`5->G9N4T?4^2-*%"6%R*/]=(5]D(.:>AZ*`8,`Q=Y<7/6-8I\7_M`J9ZU M28^+-D7)O=QQ2$N`3O[W+MV,+E`JDZQ;F;3)KXF29-6AM+.E,WLI\AEC2C5( M7;:7HGCF'#I;=1Q'U=C;UJ_M=R]^B[DWO767O'<&GWKE_ALF>L6@C(0@:M#<^&W;L>3][88+A,,TU M1^:('5N:/N2'K#BLXCA._-CS*>?`PU"L2),V:0M``,>URQQLQK*6RA'==I*Z MV'3W$#I;$B79@&R!*>Z_*O"Y$RTQXB7%R^(I4K83.((>.Q&R>`PM`%J&FC&?G0#76+629L3Z!B)^)U;(W7 M[*ZN-S\$ZGHWH.J7]R7?[_._A2-SWI8=P.[`,HW)."UD'%MSKZ>$8YY&"RO! M%6.::\O%,D;/)*E^?_O[OJ>&[6!\+_"8SN3SH#X(>E1"&EZ,]=>9NZF MKQX2DSNW#GBPD[;_?27`0)R82"`!Z8O'8R?6[K?:;[6KE:A.R1]_R&VNYW0O M*>4V*W?%]G(EL4F`"RCC*'"Y'^`PB6-V?BPIC",,=7S9Z,`S>',_5%>>7=]3 M(MYDG?@S.[`.A@,N;,44*W%B.[H5,\QE(XY,!+^4Y;^"2OY(]T_9!I,`QBS& MW(^B4!ZUH6%[PB:.*=P<*J&_GM+R-,6/=!+$=7+L=?I`I^^G7I\-A MG\E4.]U+"?B^^/M3_E"4C]7-16WEG\2$AB1R00)Q3*,08]8VAP'@>SIE+5-C M6BYG]<6L]]NDH$Y/4J5=-;NPJ]7JET!JA`.55N- MFV$E/&E!L<2%L,`,@IQ`A!H+T+Q8#RM MI6/TL);9\ELIY'G(RL&K0.5!GHLO1]S2;](68WM!9C&#D=Z0B^N??E4#?J9^ MD6LP:O6/3+;%2FC4AF;O]I<8`D^92,\\\:VX/+_@$YYP"CA*2`)`1&*4/&+YHL-X]%U`AQ=<;0X\Y._%X1 M\JQ!E7&ON5!I`OP!%I[5MBLA['EU+A9T)NV$7]"<6)K="M+:$!0C3#W.0\X2 MWZ,13]JV#R]RM9:F6C]LF9;/LF@GX#K8J*;8EF#13:)K,1PIQ^SI<0?!8`(\ M`JF5T,TXV5\EL:,!T*GW%8_9M_2?[%@-XR7$1YA@$(EA6!!`S-MAL!MJW>&A M^]O624"*XU3RZ%?B]%!2+K=9`TB[IM9BLPPEO$!BN"PV"K/5$,-(\5\7N";` MH$P/71I:E1AD"TN]*MF+58H\`72E?S3R7(QEYRB)?.9["`7==9F<,*WCGK9D ML$PWOZ7E7]G)2;=_/C6;`D4^N1!FS1YJA+4&4TPNHK52.ZW8-TXMN//&WL+, M3#@2X@'&M&VTE3"K=36+>7U!D:GOT_)Y4Y4,:?%X*+,?67[(1RAD'T*\W.@#'`7#?:[(P-Y`];Z_O"'LAG],L;7Z2(OZLW^EG M$-]MRS8SW!8]*`"0[AJ[?<*,R)&^PH'DX%^8["PH5MF:> M[I;$O9B$3WMY6^V@&%G+@U@>;WQ`?.;!,$201YYXXWGH+*J' M7;T=B@7DL[Q*[:GDO.O--TZK6MM:T7M*MM.I=^/(XXC%@\PH=7=!EI@$BILB M*[>_YA[)DJ:WLV]BWCY#VR@+SH:5K+D7A>!RDV5Q0OTL16;`4``2A`@7A2Y(4/8Y8W8A''J6XAY MUF1=5_QK%*MVD.L_?ZF;TP!07=I^M!\%[4T1HQ%Q%;/#:G2T,3&6C)%C+38] M7EJ?*Q\K=MJ'8UP%8:7B,JCZP3UOJ"V8KL0?)U!VES0U;;- MQPJB^NJ-"XHC8>SY>7^B?1;OQ(?GC\3+77K,Q"?_`5!+`P04````"`#YAMU& MDZ-*8,C:``!"Y`H`%0`<`&-A`L``00E#@``!#D!``#L/6MSI#B2WR_B_H.O][/'"(%`$S.W`7KL M.L+=]MD]TWN?"%RELHFFP`.4N[V_?B6J*)?;]1"4H,J>F8@>VR"E\J7,5*8D M?OG[]VEZ\BB*,LFS7S^`GZP/)R(;Y>,DN_OUPV\WI\$-.3__\/?__>__^N5_ M3D__%5Y?G-!\-)N*K#HAA8@K,3[YEE3W)U_&HOQZ,BGRZ M)_/?TB3[>AN7XN1[F?Q5&O`7+7_^KAZ\:/\-UJT! MQOBL?KML6B;K&DJPX.Q?'R]N:A)/DZRLXFPD/D@>G)S\4N2IN!:3$_7SM^OS M%P!&<2%%<1MG7W\:Y=,SU>0L&(V*F1B?9Y4H1%E=BY&0O+U-Q<875%1QDI82 M2X7LS_>%F/SZ08&6O`&N!>><^=O>@*NG!_'KAS*9/J22>V=#D?=9_:\'ZE[" M[9>X3WFU!PDO>IM!-$WS;TI)>5YE*'452:>S$33#O"CR;V+\,<_$ MTXL_/HOOU>?X3A/CMG#Z0EX:65TFZ_4VCRB_3V\_/07C1R7@3LANA6`>8:VI MM;F'>83T[-66+D90(O6S4,H@+Q[.L]%57$@73O+I0YP]76;IT\X&6HPU/,R1 MD*XG0M/C#$/\BP0!V:);)Q/=<-+P\.8(3V?3I.J'B;(QI++E?2AY^E8%"7[8Y943[MIZ0JQ/X)6XB`- M66@"Z!==Z;D+<2^R,GD4WR012U7^A,Q6L(9A`NA`S:KY/RZU613Y)4U(F[+$[_ M4<1C;:_8!H@1M*EX4,(LB2BJ9"+E*$.)RTGS%%CJO\OB8U[HDM`9H%%RFI_2 M62T3J`J3ED1H@C&*>C,0^_X@C:"XS)Z1:86[+ARCR'^,JUDA;8.2^8H&/"M` M2R+:PC-*C%9CK/)GDQK8UH\VXG>BU@ M&$&:Q46F4N0J>+@2A0I@\^SF7GJL7:CN[MD'@O4`FK-#HVMO*.IIX^Z>9A"4 MO?,G(4*1B4FBE*L.WE4,*6U>K5Q7:9R5P:B:Q86,7(*RG$T?:N_/\T*]6W35 M-4S]C3@H0[:\7]3`3#.D_8B'8$A/5!^4M!5+>RWNXD)M[JA;7L[5TC#)+8<; ME!6?1"6M49*/D]&56F'FS60TS`/=<88E7B>]Q.A,?15S.BGE^0>J'D(O?-"Y+ MN581XR])=9]D%^)1I%`UCEN4$HT-T!^Y:Q]J&9J.X`8F14\)N\(;@)C+[)/R MPZ-944@3%L9EHFLO]H7;'W'M=GNU`&$6Y96$Z7E65D6]QM5'=WOW(5!MRV`M M*$,@WG+6Z@`QC/:>4W)'?R/(GD\?Y'!BK/9TZB*XK8\9I.J"T.?X^V[QKFEJ M&@459>39ZK85^7B1;]7E6"=HI@FA8B(**3?YQSR^D''411+?)FF=>VU/2SN` MILE9^;5E-J,5$--HRSF=2RN4)G4,IR0_JL28B[$HE&5:M%,%B,\YFTSDV^2Q M>=*>/H.CF6:$GOW>V,$0.H^BK'<\W"A36ZOM;HPV]^D-J6":%U7R;S$F>5FG MU\LJF:JBY]);:.N&`>"]D4GBHGB2_JX>]$>TEMB$3]=B&B2J8A6U(W0^>GM)M8%A#.ERY8"8J-8?RKJ93:=QH6O^]H/:$V$J&=0>\=5> M/2$FC=X^I^@Z`^R)'#T#NJM?7\@5^4S^-J;BMKH6:L4^4AY5_SC='B"-D/0I MSV)UO#-.VZRNM_ M:S+?Z"!'0+;>!#,Y`9\HN[.$O^'>OL25[7UC@2NMS1^V=,7KN11=`[^AN M>]+BTH4Z=.R4$?C*M8R%QI=>T11/5T^C)NG>BK1'6+/!+U^ MJJDT>X`('LB2<_R M[.IG!KEYVO!RD5\=\3W2!0'T)KA%=O:<1S M?#-QIV+[B_A6I"\Q6]`#>+^6;I681;KUR!-XIM7<6H8WU<@S>#;01FJ MURAJ2'[UFIH+V6K15L'L_U[7.4;2.XAL+,;SVV4E3FD^VF&TU9-H\_"W9;U- MI1DF55SX]8,$&^EUC"@-7$(##%WD8&P3.;#C6)Z+(,(6LLE+`E)U!7!>-#Q= M0\&"D;78)G%Y6\MN5I[>Q?&#E#MPSD1:E2%#*Y__0`^G,@W\[V2%W-$ M-EY57.M-]6J2Q\7HE<:][+AH)>=HT\BS&*`$26A7S@PB"PW89:!H#34:>L#RZ6>#5U/&B%J-=10[.\,KM]-&*HMUKQW+A]J M9JXI@1SA_/,00$'@^)PP%U%@4^@L(C+/#ET/]#[_ND^]I3Y(#Q!:Q`F50B"? M.2XG3D-#$'KVGV;6:0M3;]9U9'#?$TY_V_7.^68FSJNW^S8G"E;V+2\QW3)- M6\.(I+$+H0T<%>1:`70IP/,XUV8^#``]3`)'?4YI/$N?#VNO[CE9%=G\#LW% MN8L=JZON0",2A(A0ZG/F^6X(Y4\_;+@$`-P95QR_3>A1<_(#B6&@!;\JWL[W M(C:\6T.7.B.XM(02N^![LFW!M@_8R&8N]0&&\A]A3,9.W%\*ACOA.U+6(53I M=?)@*,D,H;\OD:2Y.L>Z12_7-8\\!]F!X_`0>A0[%!%&G88J!_*=0=_;T;=A MA)\;Y_EV3=H09%]FXG/.\UG!XVF2/M7D?A336U%L"JXW]X@@LN04PY8,\3!Q M+=?CGM7@ZV(8OA\=V4]<>1_L["3^C[.T2B:ZHE_?.@H]%`(?0>P'P`DQ="P0 M+/#$01!VS6`<41'$O-B-L'((WT'RZ504:I_KM8A35JIK]Y=G_V_$G:K9;-2: M]D`B&$JK&5H!#SAC#B6V![R&`Q0A^/8+'T:5J7<.#Z-CV?QXKEK:;S5#.WI$ M'N2.PUP2`"JC8K M6*'K(.(W5`'/1AV5Q'WW2K(W+XKHS/[M/52`"!!-;+BYL+M<9Q+,9\YMU);:1 MUW736NME^L.&/=FF];!?IT?RF,O;[KZ4B3J\TR3K:EL/0@1!XS" MD(2`<=\'+'2PVW@7S.6"I'?CMVO+_IO6O7ZD<&2.65UR^BB*)S-^N8$6^8X- MD>\BRZ&8R##6Y?`Y\\)W;RIZ.WF'056R?U$,H9Y71?Z8J&^^K)U86S1Q>\?( MXX'#40!(Z'D$`]<)5,IOX0H]X6'MZ\$UKFFGF'YFO)7F:SF\)3Y_88_TI&C&6;>8?!5C] MP.-^7GCW.!&R(26$^9Y#98A"0YM82Z<``C]X/VF98_7/QH5T9,I^GHV3QV0\ MB]--]`$SVJXQ4$1]CGTK\(!E$QNH7)R[]%$LM+K65+V_U/UP4CID)%'?;]E\ MPF-^QJY#3+$&2N036\;J`%#IW"`,K3!`RW*BPVA73?7_Y)K:GP@.9'9-QQ(: M[H@[/'1"#I"+;>F,`&?6DB_`IE9'U<1_;:C#"P7(W"SDH*K+^TM'=I]'QL)""$MN5R2M&\U`<"3[XR=9ILSCZI#A?) M-*G4Y;+\/KV]G&P\5JW1*V+`ECI(,?,"3_["B;NXFT#BCAS<=2?)$6YXW5=X M>5],'<11S+^@]L_Z\MXX"^4D#<:/RFJ5_Q"9>J78Z"UG@\W`.RJ`&=870QP= M<)GUXDO,E]\RB7'[L,=W0L&V_=+MK3D!&PD049P]QW'=^Q'8=1 MM!2HV]F*'F%M[(CB.X,2Z71T[X<[.!9?%51"UAA#A[Q9KL%RC>IGS;?"KZ4TBT>Q.A\N\NSNLRBF M6^R;H1&BT`TQP8CZZN!1P$),0]+PS@/4?3\5)BHG'5,0?3>;@(,FJ'@/BN+==S"($P M=)=<12'LZJ6/L!HUG)<>2AJ=//3-[%;*2`;-U?PCM.=E*;W%S;WDX<:$\[8^ MD4\]CD,.0>#ZGN^`@(.E4PG8[FNEH>O/,*A&G&#K0'?23$N/XNHM)@ M9*IGY;M(QZXM*$X)-TO^'G_50+CS!U:G:[BISJ9 MP_.BOLUX63H/U):.%Q^"VJ%;&I`B&W,Y@1B746;`"?,IALOZGL]QUSL:0.LB M@:JWYV]7UA"]>\;Z6CS,BM%]7,K9\KF8E=55([X;,5J$==OTKAVD*``A MLS#$)+"I16RY.%]0P=YW0`2&62V=_&3IX@=?X&A)Q9W"MJO MBN11W:&4QB.AL-&-V7?UB]2RPG8I=H#C>2!`#O&Y-ZO-]L?1]\ M[44GEO=ARP<7<5G9=?*AJZ:LAQ9!P%G@8DP(\"!'T.><-W1"V/ED"'CGN?I! MN-V+5EV+\6RTE2=#YOB/P?M/M`[&Z M=Q,%;BK/F(5:`HL\&KA<1GT>L&4(2$++#?V&2N#0KG=\@/>;Z!Z,V08+S;KQ MD%[OJ"Z1NHZ<&10'&$(7.$LZ?-KYVU3V.T]M]\+=`U2C5S&N[]T.,H6YY.9L M?;&D$YP(N.0V\NJ/*5=T^7V^TV7#\'GX4_1)-E=QZ^_;#U= MLAACUQ>6UC:.B!,&+O"9Y1!"/%>=H5\4)'W(B7N@C^QNJ;V&A?QQ?SGA_[P( MZ^?-AJCF_=.\1;'-6/F M>#^T)5N&+)H*N;-OI#YT3*!/B>OX/O<\"P/6T.OPSB[SB`IA/=LZ$VP]L/%; M%(F?>%ZH3,+BM.+EK"JK.!NK*G(59$^2==4]R\;=[%^[,2+.K)!BB`!&EF7[ M+D>AO0PHN-WU\.`1UQFG3,)/O(1]7T6JMOFF1O8 M:I6U=!@$\JY+D".J$1Z#D=N?\T8LVP]K;X7-59QHAW<;ND?<\@&$*&`V"HG# M`'`(;RCQ..B\T>Z(:H9]FS4SK!VR@*-.UWYZ:M3^D!>@-3C4Y\U>S\Q2XTHT M71`1=)$=8IM"*IDO'0ZDB_L3[(!1U]FY@CG\J9UWKR%X=;E8R&FR\:@T<>D!$!M2`+;&:#($0>M!J.[[%%]8AJ:6]EGIB7 MUK'-C\%\AXZE@3:C#`$'6X0B&U/4>J]<I['_+Y:S?&"55NTX\76;W+N"'3+]CF\X$X0()1'&\8BTFERA.:\0,3ZY5>B'S]%"Z MO(U>'!;U06)DFR%%);2>UMWX]_ZUC!HN'<)!%W)I#&$XUH3;CE(+G)P@]C?A MUM&(GG@A,.N?!6+?5//'3^7-MS54IGIXG)1/7\O94^L#/9IDK=]J6U`.;B!# MC'((PXJ,@<8VR-6KS7$N9L&25JW)+:>9P*8*L)6Q9O9S8?G;:OZP%NW7VW?# MZ6;F]=!ZQ@&"R'AFH;&*2.D5-#5ND-AK66I.0*3JW,(8O2;ITPX=4)5PB"77 ME`?`&?$BT$!L]#E6(FXASFVO-DQ[Z0U-,`X.:"<+JR5"D&F%X[D"E@ALHV0" M%LXR_K=3#P>3XT,+HG_8AS5%F_YOKN;]/0AW'5Q\#`/W-I59*&`PKR@%S"*B M'/.B08,XE>JJ'IO)>A82]HG\F7AH)HM[/ZO^[(6)+8UE$',9+`3@G,*8HKB) ML%M$I%0XU6T]H@/P\W&Q7^S/;1Z]^D$SI$48[W:8O9;G>(==@H%T:`L99T8` M@0"/]P@K&C;`;E.<$B.DR;EB-5_39M^T?_5@IA@,2@X1$IIE7"LJ*:E'`PQ* MKN8UNBG=OWS?SNEC@#U\]5CD-_]S5_WZQS0O-NP(?WA+BO"C['-^-YFY?"$E?W&@%_!2;OL>*J^@*O?Y%ONF*KATE1 M?B#OEX^$U4L*;#CDFGFO`%!`@KJ_%K'D^T;&(^RCI%3U`ML0=N$K9?8E?_B9 M[TOPVO%TAH*U(@UCACD*N0S06%N/R0B=7"5T7%1($^.[:NG'PC?(5J%6;[_? MY.5D7E0?+`)[G\\80]P3:@P))BZRCCHKG[6B3W60CFCSV=-RT">,P^PD-]W[ M9[EXS&^*VR*??KANM+Z3:0P1)Q`(;XCD3BMH8#T^R=05);YC\E?>PARP-N9U!8[+*+=1HEQPC-7JUD, MH4O=KXS9&CF>-OT#.Q"9YOEDD=M\^_LF)T+=WA:S8K)LJ1G=\FYF)<,>!30M M\(+P6-.HF3R:@M1Z*6->BWHA4J^PGH-&G\KU56I?'_-Y$%YYIQ:+?-F%2[L; MR$R`D&("I&/*"($Y!J8>N0C_)!)JA)E2)R14+]B>AU5A+ORHDI33NWR+#1E3L\#3.@]/@.\CQULX+N$U5 M_LKGR^+G+'^^I':Y/^:I8TL9X%(;I(3@SFB@&=*@V1@#TAY8/_XRAB?@VFE! M/J-*^Q1&L#A6I>UH)*/4>"&TA\IP!BF.$?@U`H3S5)4VIDJ'P^FTXP$^GTYK MN=7FXYQI0P"JRS'U'-)D2)&0M_H8\U45-.WGI8]).O23";#4`EF2#@5#`:%F>4- MT,HF%Q2#U^VU/R'$0Q&MA4`9]BSL:JD/TT(*0C!P4-6]=M"F^D-A9Y_[XQK5 M(+SY\I+HT1'`L8C=$P=46&"]<4@J8F.P<=UKJ7UJM!OL[`??B-V5TXL2>C?X M1IOLUE1#B%E^1?SV.2\T:'KVHF/?JL6Z7P=<9G#(ZV'73)22#!H7?B%8WQ+B2XX!Q6CNG.2%06\^ALK0>C=`RM=#YF'TJO0AW?V9<-U3' MDAF'5+S_"84.0T+ANLBTV_9:&\:O(%'R6''MR8SK!MX(,N,":M)A`TET_#E# MPV*T[:^!+-TA/QYA'R6E#S/C.L%V&9EQ1&,O..3<,!;WL\@*W(S)ZRN8]^EB M/"`SKAM\EY,9IZ35FCNF'$>8(ASVH@U&2*G44*HQ^\G3EH,^8;R\S#@KK)=$ M"8TQ`T(;Q8RLQX=%XWBA4Y<*8@:\N/D#*@QJY-TJ;YU+!T+YR5DV5H*@G8D`D+*-/`DV&N-OI54 MIQYWC?FTJR?MD8KA6#S.%')A)1"<8^<$8F$SUZR+6L(KN-Z@#Y'M'PU;\D5.:+=`++US%+, MPB13DA@..*AQ8CRYRL.8MSS',VQ(R(>@YCK4I#5M\L53F3)4`Q?6:>H#;(+& M>UJ;198GY[.-V:`]GC;I``Y!@E;Y;WO.%`7(*$RIB$G!#&-4.Q0-%S(U*J*[ M-5(M)[-+$7T2=D-(/8;%KJ,UULE(GV-0QM>?L^)N+9Y];-C_8N:($\0!QCU2 M.BS$G$C=`*5IZHZW<^C,F6(!4WG2*ZJ#\.=51JY9S2-@802_5>7-YG_V<:CU MY0Q!`X"BWE`I($#00V'K$0LJ4GET&=FMR2SJ&]?!C)##TJ/?/II!0QFA7@2[ MRD,+L?:DV?,#F%SP]C(25(\R1])1'((3A]'AY1A`0($#I!5RF'+/.5?-"JN` M3;5.+B.1-)4)Z0`.XSZK;OYS7\V"(!8QHG3Y]*F\F:VF17GWK9JO!;5UUN?7P@@PP0)+B54EHO)1=:^F9?1W#J5OHR M\DI3J7<6[`=676'E?3_,P_39SE;7-9G6HW6<#IA:>DE[ ML)YA'6V`ZJ8X7*]W,;SZUIL+5MIN83CDW4Q@@[#1$`3;TSCL`?:;^MT((.91 MZQG8N$),G9#0,XZ8)99900$CIAZ--?X*W/8GD.S^^-)ND(XEOE1Z:+@"+HQ: M<,D1XH#7O=:674'(X;'BVA-?V@V\\\>7>HD90%R"L&Y0A^)E0:+N+Z?D"@++ MCY+21_&EW6"[C/A2)X#G@.!8"AI+PBAEM!Z3!#+5:S4R*J2)\8#XTF[P74(( MAP9$>`29P\&TU,IY*6P](F+H%5SXU]-"T!N&PQSIG[HZ-B*(8`&`$5QC12W1 MJ)E5CH)K##5-$'A"=>QNP`[F_]YTOI1J M<(Q9J1Q/CG0`AR#!]_Q77J[V>KOK1S*/M724"H`0\EY9IQ6H>^^!3*UCUST& MXQQ.H%3Q)Z(WS&JR<6:ZOQ[CY:&ZFL^K/XOR;G_PUP?O9%Y1K`SP1$GL.`84 M;,O_A_$!H%-O>1IST&@?*T<_<`[B8)[\K.:JG'[/9V'\TVV7][F5=[Z0D=![ M:SU0SJ*P%H:)(!HEB`*`0T5J7!11>L%R/TL^<,7^?A_&NO%;?RSR#Y[,0L]B M+JA`A&.B'780L\;JX2CUCHS+B*;H*NM^0!S,=-QVKS5NHGXN@QH:9CRV2#BC MI`56-"L@=ZLL(FCC*?$R$,&F^_XC6U1[9OG\HHYP01*W$L4/>QLM^&H)J MGIS&VCT&XA(,PZ/Q&][18*IR692K8)=L2WU7Y79GNWDN[&_SA?MK.9\$R17E M9/ZTAJ9S7,0)OYI)J;&V4D3?L5<$:\P:>XH%VWRP8(E+X.CX!#(Q[5@TAV!*VH65.$(! MI:5$8N"88J9A/%;X[.F2F>G@H-FE9,89^K1[O\O*F MR!=[_FI]3G&>XFU[>F6+QV;P`,-UQ>=6D/\(X"J9[NO\MC_0L89E0!H*KG2CB@FC:5UCQ%)-FA'>`IR M(DE6)X`Y:3?S+4RK,*+O^>-J?G,_6>3?\_^N@OFAGTRUBJ9(@&GY=!A?4MK* MD-36Q3,?S&G\I2!V#628IWI`1GAF,@"5!I!`$LO,_20,=1'Z]5):Y?1?D_E\ M4BZ?OH>?AN7C4+V4U%KF"%.$A2VD<-QHIY!&I!ZG12:U:L,(4V2'4%I#R&"0 M0)*;^WRZFN5?;_TJIH-_*`#B@M>X!2E=T=6WI^7N.:4R"F.[URCTEY]L"3K?\6C&E6!4%7O.`YV6O,\[K;SFN%&/Q1N5 MZC0=D?':&R?Z@7"81+$R7WR]-0'\8FE:<^9W/9YII1PF%GK`F&"(`$=J=!`@ M)C42;$2V9N_$Z`''0=B1+R.H=4>_KI:+Y62]ZU(/<8^UCRDMKV8\6,!2$JV= MI\AR*(A!]6B%9JF%!T=DY?7/FGXQ'8)!>PRU-)=BIBVE#'"OL144"LR\;<8( MP_)Z^1%#O?.F/SC/9]:O]R1'V_:7[#GGP%B-@66.::P\$91M)06%MK`U&O]4 M2T20RSH6K7R.8MB[+NQX/G/8(^.=QY)Q;B$GEF\-(R@%$*F.T1'M-TXL\W>UR>.6?J#T3=I6W&Z;=&LJ\LD!+'Z\+T%0YJR1S-1+*PBNJM3\, MWTX*_XB(^*G\\6?U[WPRWQOHV+6M3%J"O:3!]%?2<(4!0\W$9,&4N_P=U"CI MF"R!<3$R?#7OCY--:YGA(EY8CCETWC'E-=`-)HBQ*TKB&!LK4V4P*E[Z:C7O MC99-8QE!E&,1\!>0`LBHAP(W1@PS5[#_&RDK4T4P(E+^N,_G^>1VN;>D0N>V M,JVI1H!KP:AC!EBMB:WQ"#BEYC*,,+%E5)1,EL"(&'D\#S-#,!4\EG(7)-Z, MYHF1SV.'J:$>(\RD&17[.N)^!LZ]*8KU^^KG+%^'2:V3D`]GWOYV,HRUA`QZ M@9F64F&IE*IQD`:FEIL98='3L_"O5_3/P,+H@MHZH'[+.[AP7K^7<1Y#PQ&# M2E&'+$)4/6_0_5PUG;/M86XWKH^QD/BID#!($D$G(#H"7;-0%KJT5K-/>) MCJVKQ>(9_"=U8KX\7<1*_XQX>ZA]`LP'B:+;V>]O\^I7L0A(=699\V:F M>+Q;T@M+%&!,0VF!K,>*17*9K1$=8Y^36:DXGX]3KV9";3AWYM?.5C*LPZ1B M&!CO`+,T[`V9J3%`#*?JLL//J.6&:V5^%XM>_;A*RO4!_?GHU_?R*03A7CA& MC5>.8.&,Q/6X!9&#A0AOED]73J^.;\O6#S"&=[^002X1 M-E)`!`QP.$C,UY5^%:"N]7#FP!Y_FQZA=39]\ MZ`O5)`[\[SPL`K_E?]K\85).@Q+=4/$C!GSP>(:EB$7UM76:QDJC2FWSD$-/ M-2.IR:$CBE8\A>3[03-)[I^K2?D\FNG#9)K_Z[[:>:?4WN M#6.-#Z/TNV%Z/GL[.M-]<;<*K?_]$J\80Y)KH;6RCD+O%/+;X#*%)!"MH0?7 ME3KCL!<0<"80EPX*)(`S-1H*7].MJHA`H$%6`!FD?=$ M""B1='5/-4\N034BY_0P1.D1Y&%J!O21$`JP]T9A"ZURC!.K)``-2!2DAGN- M:(\QK);I`^4D9;)V-`:P7[L?[>0AD#D6G?H\^7.Q*C[6+H>^G\4(2&J92 M<`6$Q8J1_V?O6G?#TQD,2&[?PFE%$[UD:6!I+&B??I MEY34K?&,1NJFNJD>Q4`V"SM-BOSJ(UE5+%9!LO=+4@,,.JOK#7/"Y!;&EIIP M3>-*X)3@^(]R^UO<.!MM;*Y",B+-=62L.%U4NYLXBJ3'K`>X@R65A5TNMMOL M\:+;K=H%J0@QA!D/''$>2$;BK^_G:23//9A&1+M+!?P23WJ`LP1MG@SSQ9K= M)[\/6,05I97&1"N&"4$0-ZM*&'X#59M[EN^R?U1+L.5=+8WM/GR^P/>1SP/" MEG@8UQ--19^8EBG3\'Y6R($;VE(NE.K33=\LS.1^%NWYLRPY MV2[$8SGNM5!ZB*%EBG.HFA4`879AQA$Z6_IE3)^HEF#/^W1ULZBF;K)*EU#K ML[0YWB!0`+6TUG)G`53(2@E(/;/XA]R$KR-TM?3+EU[@+$&4CZMJLGY8?6MW M!!WY.M!4<%8(;2AA`"`-U#Y5)6*0P.Q'X2/,TM(O12['LL@Q='?W\.5A6WRX M3G$=Q?*Y6JQG7_?U_\X?26W["(P2B!7PB'G-L!2605C/7WB>N]V,,+U*S\?3 M0`B78-CQ.I%G276J6:!2 MEW\=$.0RV]#3\<8YS1]2MOYWR]56F)O-:O;[PV9;9VG9N4!V/S\0$`648^J5 MP8H9I[E@M$;.>9N=S&1LT?R#,^O9KG@%\13)Q/."+IF"!=Y7=_/)>CW[-+O; M$6+Z[X?U-E0AU0Q7;\V;=ZG)]H7;MI]WR_5F56UFJ^V^L2_R_&X^6:0H@U^K MS?]'Q>7G;>#\YNVGCY._3\4Q7G-<@7#L&'$6.Z(!C:8:)WHOIVBQ\=SGL9VU MAA04L1QXGR^UA%Z31(OFP&I5;_S(U\%R#Q4`5!@*`7<,8%\;>HCQ;!-HA)[> M8AR]&.4B#INOD]D\G3-QNA\F\^I#=?>PFFU2N<1M6,B;1:3];XN(U'SVGVKZ M4T0I3JG#YMO/#P0KL-41.<2I=<1QCFA]VJ$(W0T%\97BYU4$4X+2O\P6R]56 MJ]II2N^V^N-36$]0MET'(4516^FP`=H!`JDQM57,D-,N-\?*"#W9I2@Y"/!% MG)+5YK#+7VB]=>XK(&D=0\9*XYU&CDDN&SR@8#?D!B]%Q*%E4/RJ;IO$0]U% M@*(PS3(Y:3>?EZ><66V:!Q5E&%>AU=``3!T7J,$706MR/5B='>>W9-L,`/P/ MK]9AH1I$H@HNHOXM"!!1+$HUR&$I7A9P9\$I+_,\$K[$S:@`"S'$#M':Q3CU%M2>?\1==]`8(9 MI4P9[153RE&/4I#Q;C9,$7TK.8RN1H+3#SZZH5_TJOC#7;68Q)VZ[4./Q]\' MC01CS$JO()+,0\9Q,R]`2;$LK\4OC%L+]"5>7`!C$7KLA_?;8GU?WE$0Y9C!8P'WA!KE:[GAP6&-TB3//D^94M/B+Z&V!.J#0+:T+B_ M.D$-4Z:[IT%YSF2W("X_H0%2!A1UPB*B#"1ZSD:\\Z308?GSJ%A<2[S MV&SY:;8Y@96V-P$;Z.\Q>Z1*]D(WK[7FGE@ M)&`NFOL"&TR!DKS&0R(_?-KPU\FHH8$N3KRVI`H&$Q050IXB!H5T7FC=:`+2 MPEPUN?L5\'(SF;]*NG2$L,R[Q3HZ9_UQ^;Z*_+V;S:OO1OUQV9^.-,3/!>Z, MY:F6D.:<.FN-][*1#54W]*2I1V*.0!*%]*Q=J9"4&VDY24%GVXQ;:7[5&=WK M1,,`>328`7"&402\DPJHVO/&N&'%?`8E3L_K4N6Y1M>?7(HP#[?WO<=4IAG6)RX[BW0C]!M=9]!(0T8@Y1#P!U&#!-?#-_1WCN/C?"N-11L7`H M`94@J$T5<^YFYSCX^+/@&`0((H4\])XX:J1KMFV7GQJELVWQCSM.+Y!""2[5 MX:YO%RE$]NVG-XNOU?K%K,#&0JEJ::.D M6W^2N0;[DKZYKA7.+@3\OF$P&ENMI-:2">NC[:9M72J,Q=GG!M.W#QC]P<&^ MA%."AML![LK2)$?C3]5\NG\S4$.YV[]W$*8XDCK_443UT=\8\$8U7G8!9&XJU_81J=]3^Y_#ZBM)L)`/YZZJINOT?O#1DFW'[/.- M@^/``*IX>M&`D$,,/5KQ\5^E0E+_839.[Y(IPL5]X8^/RWU4^/8):SNU]&S; MP)1SEG"%J=8(<>P);.X'',[.<")_*`:M"-FS?*Z3/65?(:"^?CP<"1'5$^3L MUE$0S!H-C#,,,$\,)6K_DC8BH37,CEP!/ZC:AJJ#2NLZO-UN_G8O^AVFG>AZ MI'U0@GKI/'>0.)MJN;K#Y9CS+#=J!K:_IOG!TIZ%=!UROEM57V8/7QXIV)VX M^;QYX%3%.2M(O4*6"FD\:9:D!R([N\^/^YVNG+Q8.->AY%8Y.2"T7ED"DC[J M)6@IK<:`I-?=3BCJ`6_"ZBS%N;82_'%G="E)\Z4TKIC_7F+]`X.0:F^48I)& MB)7#I+$9C82Y'M'NV2%>6=CD,/B6]E?NO`==PR1;]A!0G+C#W%#ED=`82J^: M%:R\R'TV.\+$R?V^"1@`W*LX'U_.(=7%#?ER+\'*>$1(S(5AT!.?:C\U=[+` MNN%SD);6!GLGQSD?8V_@E][9?IEL]@.-!M3]?EJI[.ED/E^__91'S3[Z#UXH MQ>-1H`F!'",8K;E&YT`2YJ88&:%E/3A;KR"/D?$X74=]7.X_^M8WBU_J/1@> M@?$:&,8\\S;B1O#AY@O<4.6G$7&X)VF45`7B:GL\P=812JW:!VR$MP!SCG5$ M7UBI=.UGX)9F[Z3M3>Q;/?[[A/TJFN?CJ_K##6D7K?-X#\%(Y3W'#GM/(4"I MNI^HY\X5RWWV,-[XS.(:9R_`ER#=+\O5YH_)'[L!OUV\KR9SMTYVH%G.Y]7= M-G;I[:=WJ]GB;G8_F9\@7\>>`J+(6D"$A1H)*>.?<&U:1@4FV^P984;/H=DW M+/+7CSYKM_>U["+$J0K@B,)(:B41%!;5FC)'PN9FF1FA/Z>DUMY2GD? M![N:W<7C*#E%.]V??-\T6.`0UXP!28WGUBJ&?#U;@OCPV3=O[73M&?$KF@Z^ MBJ*VDU3UI&Q1F'ED&L9#`*0`%EJPQJ0C) M=>)U"#^\87WN,K"O&&EP!)[ND09'.@E*1Q/>HJC#NKC1XZC8XF9WYXQD1\1T MO_@8/-1@:+H-AOH5>>=GBTFTLOO):GFBLR`$%)P#3!APD'JF"&GM M(WQ/-7S$2W\X7\=TM=7]L$,9UN/9RJ`;GO!.<`("@2IF+$6?VH-;JW"=,W0,!!M?I"M)P,/Q+ M,#"-?!NSL/Z<3.NOT1J*JZASE<4NW02+`#+."P*BABNI37E+:Q0TRZ[:-,+< MKP59.*`$KL=#%>%;K;Y%I+:UTSH3\$G[(!7AVFGITYN$=#-H:',AJ'5VB;O. MR5UW]<*BPK_:W#;_+A/`[1`/0X^$Y\PI"53\-U>DV?BU=;G.N\XQ`&4*U8V. M=MW@+T&[#P_W]_.MM3^9USETWBP^+5=?=C(^[TMIV4-06AFJ&$"62VT8E=(U M?G*$L@L2M;\G>XT.E&'`+6)2+!=W<<`'Y^)BVJR[+29MW'1M^P@4V@@LD!@; MJ1$S$>-F83G*LW,BM+\!>XWL&@K?ZWCEOHO*:I='JWTGZ?6\AT`YS0EWADN+ M1)VUB6/(H*]!/$^KN(0H\`^+MO?JK[8)F#EK3?("ZLL M0DQI:67C"](TUQ(8XVUJCQM77WB6X$N=D?!P@+O=B;[-?WVQ^M5']\')"!H@ M#%E*F)9&.]6$26-PON[N*\K;TFNUD>+0ESE9=]FVWDUFTY-GY^&SH(06TD#O MJ7<60\-\4X>,0P:RM['Q\:>LT)\=G-F8%]+)EE^JCY._J_59\GSW98!682&5 M1"S.Q1'"I6_F(@'-]4N,:<6PPU`(WI5#.L?V4=L^M?_/08U#O;/ MW5\__=M]^V<8W4U6*7/69/'G_\:==H>N62[6R_ELFB*C&QSBH%/%FU7U.95F M^EH=4EXUGWP_R.KO3;685M/_*512/)6Q2$-*3NWG`VWC%^[64Q#$&8*9P10; MC8TD:!^F@["*EMS9T)2!\?AX)C_FDPKC*<^B8P)*I23SDD%M53T;[E#NH[<1 M*L2#R?FEVNLY`!>Y2JD'^.&N6DSB*:?^GIV*ESGZ?2"`,A6U,$45-LYRY1BI MY^4E*%:#L2!Q.@KT)5Y<`&,1>NR']]MB?5_=S3[-JJE=?HF'V2F*O-0F8$FP MH\A0RGAZ_T25EO7\#),WY(Z^4+Y/V=(3HD4WE$9I:K.;'#0LS^.ZL5I21A"A MR!H,1#,CD9UU8H1&==];22Z&)5C1I(ML5>W\R-=!.)\2$D2CGWN$H(-1+6Y. M8(YSO;UCYL7`NLGE*!=A3K*27K`Z?JTB1A\G?Q\WSUNH^Y=W'I@D1$#/@042 M*H01/2!FK<_UN(S9X3(T+TL+Y9HT_FT11SZ?_:>:_K2<3^-B?%03K\EZIE:S M=?Q/-OYQ\<=NZC40&>2^]">#%1Y:SZ1$R!$J%2+6-B>5Q#>DQI6D8LM54%AZ MU][B]T7`XU:S_>K=,L):;6:K[4:TK\FO#WG9=?5IN4JU]N:3]3HJRW<[ MHAWRME^P=H8>4E"I\J\!.NI_WF.HH56-B8`%NZ$[I1&NK9%)]]IK[^49I4=C MZJUYLP]X>OOIL/5W_:^87D[5"K/[2O%"^Q?X0PF;]+>3UBQQT#)-)O M)0)3@/?T37\3CO_<\O!S\8-]R%[\VU_BY#]CF-;!9#$]_`F?<)$.\3/!(.:Q M4(Q13PGT"$4^[$0FB#7T;#;G@8+=MZ7\VH2M?_=A4%YJHR"U%A)O%8U')JAG M`RZHO#R>Y7Y=$CR-7+\$_5*OH9^^I5U,]RE`_<-BNOZPG$];\*Q;1X$2J@B' M!!-MH:9`,6EK)!#3PY>&*A>'G$F!(^^>!\.WX+M[^U`E[3]EE3UUG7KDZ\`` MY5029:#"T59!&M7JF"#8NAO8NX86]O&W]!>`7((XORP7U;>X*?]9;;93;Y^J MX4S+P*E`D*(X,X($Y5`*VN`&H;BA^_E"A.H7\-O)!B(]MTYZ2Z@PSEK/G(/U MO+7/+M<^PC1<97>N7F$O\^KF<7K_YS,X^;SF=-,@M08.Z&B9:B05]`(!V6@6 M3M_0;M:32M4SHD7.PNW>FF+O'EV"2%$?4L&0:Y M"7='&`W4$V]Z1+/(N_B<6JHG"G)2+802'F@GN2906V MF.67+]4J70NU2CG0HG5PUEA!H93,2>!0JMUW,!W%+;TN[4/PI[G4`\#%2-64 MX3XV_'.<.MDX8$8\T4H1P:$0!EAM&SV/VNS<82/4GX>B5)_X7I=1B_5#''86 MGW9-0U0!/>:::J!2:2NA+'?-C3;WN6P:H=>G*)NRT+TFE[:A278OL5VT4@:M MCO02B)($0D^$\I"E6""#+L0?2NNDEPO)U,*=G3(L]2#M+EL=SH-X*#IUVW#!JI4Z!4LTJ M4#;W#=`(*P;UQ(I\$H$?)R3_7[D'%-&HS9O-8WJ._;$L^8Z$&&>>\4Z(H5V MA&]!.J)>Q(R:37Z?S7?WSHOI]F#\O)Q'6:Z33K7YUN8FK647(ES6WC M3/HOX3X^XGPK59-Q-O'6UGY"*3(=LR*+61UY)_OK%Y!%VO$A41`),UI737P, M0`$/'C:Z&XUNH5KI3@GFN0;[%,_@!E_F`SS*@[<$9=I*]#WX\KQI$IH#)BP MVG,NH87*MF\8A4AD%[:;-EE.7LMF4!A+DN++[&>]_+9N?^W!C6<]`J2&$D2, MC6J^=4I!I7@[-T7=!=U9S%_6-_AQ'I0E:/)WLZSWMIZN9BD'G6WN4UV^^7[0 MYJZ:?X]_/D"UZ<%J-@FS)?>W)G@4# MA"*.62DL=2Z"1AWMA+(WN6Z@"8;*#KZ_G0_G!,10M=H\Y.I*E7YZ<"GG<0'' MV4<]$TC!H$0NBFC>O4CQ_2*7$UA;2D0-@7-)@=5#.@5#"%9,T/B%)$/9=UE//PT=_:Q]<%%T(G9E5O[K9G>]]D>=X$PG_E=?%_6WW?(H+`L5.M)TT#490"2U"Z(P>( M!QC;;A/F4EV`OWD,BIP)8V'W<#^W<&!1G$H`A&:I$B*US-/VX(4:B7*EQ13C M40>D0CZ")5C0^X#JF1^<(*FAL<013CT7B)ON6F4J0)1[/6?B.\PCJO5Y^[G#^OUMEI=_4BK>S0!T/E/ M#T)J0KDPTA`:7THGI>RV7,OT!9T]Y)+E18K5TJ"7(>K]?;/(Q!I&2'>1M-1:"@!HZY[&4S<#BY'31Z(*,,`68(DGZO-K%Y6 M-VZV6J8S.#6?;^^WBQ298JO;>EX?4IN.=PY>68*UM<`:JX2,)@+L9NP-D[7M8DRRHF4-<("+0COG%($@MRD M41-T^P[$DK,Q++(!/5+WS#(8)SXI$"92=BSH(1'6Q2W9`=1YJ6"V7V>"UV6& MVK!&!;@$V5[:K@?X]+)QT$XY)(52REN!)7(8=-X+0F2N_^?T6S.C^W\&HLS9 M&)9@Q(H;$A?A]!%.7G8IN,Q$_-:K>4Y_%PF`$ MCE&@*.&"0PRYB/"QSFDO879(Z^G7>OY<@5<`]RG<\.@96/]:UR`L80`)S;VW M#&IL(5'M;+VGN3%G$SI6^:-N=)RX'D_8]ZXEIC[M5N"NVM3SV6+]^QAS"T[I MV2(EKOAR5U6;WYY_K(34T8Z!&TP%$R[5\@*,6&[@PV$)9M!0>-3I,=;&M$?X M.LFG@QO,TX;!4$`4QU`+)^+P-=02M;/1&EQ`896AE_7%QG$&GF54EOT`O\RK MY6Q5-^J?^M"Y^:OM`Z1$&,BQ3W>W];5C6WN9_7R$$7>ZA-HM!"%!QQXZXU4TJ5XP_W$$*Y]XJG M3).\]7W.EH$0+2I03"KQ>W6[4T3Z"I7G?8)B4FCI MD8MA"5:\5>^BRT=_@"1'^P9O'-!<*BZPEPAXJ40''8;V$H5*QF+W+$&2"VL) M&OT>'_;E+F*V5MO-7;.J_[>Z.<"APQV#IQ1P!0!P(B*F%0.2MS,%,-OS/V65 MY7P"#8II>?9\FJVN5CLX;G9T_U2M=G/HS:*W'A"(1D;$S5@`3(E7.,KR;N;) M:WR!6]C0;!H(V_*L^JO^GVWRD"8OZ.Y_5(<3)/?H';1@R#A'F#:$2N`U8)W! M2*2XH*N\H_%I"&#?:X/K%SE\I&=(][TL!U1ZR>)_-%UT[S9S#G/UZ@G&;(V\ MQ>6#6CCL/&.#Z]$[1#-3&`:@)`X+:AREO'6K(ZY8KD/PY&"M$GE'!Z32\-`6 MIM,)VO:!7H$1CH@'QDKOK`?>2JS;.5+L<^DSP73'XY#G3$#?A32[^SHG$>:A M1T#*.:\]37$77FCI.&HW:&0)SSVCFF2.XS'ID@7GNU#EY&M2+S=E;!7T$AA% MK>!,4HX[]RKR$ MQ)&EZ+'X:L5OZ%C\TM"?$ZQ'5")L@='I9)MHSO?O(3PFATOT5R;L9,PXO:.\: M@P9O,VT8O$LR[&&XCR%`'Z,I\6WVK=*S^?>#?MM^#PC`$@BC]%="84&Q$WR? M!37./%5COYP=L"#3!L6\#-M^QF$GP?XP]!YW9]_J$E+0!]30Y?[Q"(YS":+G$N&ABAG(&X\WX`)W.UJ0F& MU)3=^_(QGH;.?I:N'J2.F'%+,?4X)0US#JCN?=&@7(S-Z'?TR[)J&+Q+,LS] M\Z-:KJL33,!G/4(J0HJ4P3J"9"R%4MO.LX(]O^R0Y'/MO?/`?`>BG%"@XUF/ M`%3\HDA&'0]P"P75CXJ>]>""'`-GK^YAMF0B^@YLTF[SM9M)0(D!B9,]FHO@-K^G,E,&T9MEQ+IJBF M(!WDMV\`Y`KG!NF=;EX54V1&XL>)2)9W^NS'^7?51T=YWB4H8R07C%%K$1"" M.H':PQI(-C13ALF#/NC#'8." MWGC"7)QK2J_L/7*HG2E"*#=R8X(W$H8FSZ#`OIO,4;?QC\^GDJ9PJB1Z\T%! M>$*AX%O/:$0.G!!_N8!K?&AX"Q!%U_M4O"E(.AZG=C=EK=N5FH^;[;+ M@[9YC][!`&HE8$P*QY3"F*+VYFK4!'5V6/H$[?0!UKT9&]\B@4/5ZF<]C\9A M&OYA#?MYT\"P@-2`.'(3Y:FEWC_.QA&=JQQ-T/TW/%O.!+,$-?XUJW<;Y]7R MRVQ17=T^'N,>YLG!?L%$[0X(KAB!A`@'G0.NG2>1V7E0)KA+#4^:(9$MSZ#U MU>TNVN04]CSI$Q!V6$.A`:0>0N"4%YWSRD0[XG+.0\=F3CZJI5BS?C`3N^'N MSFP_5[.%6R?=[PA_CO0.W"K@"52<"J>1981J_>CP`KD5A"9HU8_#I&'Q+6/< MS].=L,I6#]\_+'!Z>1?PVL\5L M%0V__YI]V[F=KFYOZWE$.U59BT/?K=PA7TZ/[H$P:E#"$9`X8::=HJ*=M;#N M@E*6#K'TSQT\PR-<1*^9S[<_9LOYK\-6^M-F`2$6AXU`_"Z``5HZT\E3IE6N M!C-M/^!0/#D#R1)\2#5^?B3Y>CQ`YWG3(`!!5EF'I%;402R\[,($@+&YR4NF M[>H;BA=GHEG&J+YM5O>[Y;FNYG?+9M%\^Y5"H6>;V:=5,Z_6ZV/AZGT>$#RC M.EI_R@!)F#*(&M^]%09EIUN?H#8S`H]&P;A02,]MM3M(FRW2(4,BQT\`0%Y7]SA4.7*Z]-&T'WU",.1/-,B?A<3UFB_T!ZX?E>KM*A;9, ML_K1K-H,NO?U]O[XKG7JHX*6S!$!&5*&>L+C/Z*3PQAG5_6=MJMO*&Z-C'8Q MS]]^>(>$TF_M0ARSXX8AIC3A5*<(@.YXUVN1>^1PLI>O1#S[&%KR&6"^CP/G M),=-(!9#PRT17!MNK+#>=F>W'&<71)RV@V\HQ\Q,12V?RL*4(W^<17LEJ5I6M_5QXK[H$2BD##GFHTF" M/5>8,?+H,5/9B:JFF!!U--:=BVHIZZ_>'(FT?VP4+,?0(DBDYQ@I[!4U'2(* MV>Q$0:<[J_]$:90-9!'=JMH\2DNUV:SJK]M-2MYVW9R\'Y[\K(`,\CH:&B"^ M(L0;@$$758>$I]G$^O_AW1X;[R(&W^_!!4=DTBNM@^#`<8>9<4X"`RW@OC5B M492OV9O6!.^JCF'[G8UHD8.2V6J9[EBWA5+T;%W/=WE!%MM-==/C/+_G$X*W MT$//+=.2.Y&N,77A"T@@E9MU8X+.S0$/]\=MM MR=',O*`T/Z6YDX?P$_:,4IPBKD>]^5ROO^_,@L5#KKWE;/&OU>RFLM5F5B\& MJD^Q"_3]7,VK^F=2"B/2:K%H_IV.!%Z]-GZL#D7N\P+0TANK%>:`*DLEMO#! M90*]Z*/ECQ3D-;^K;K;IIH^OEW$2D3J/DXL_I1?IYC$SXL/"_<=VMJ@WOSXL M;^K=*(_6JACL0R**46DW`%DO&-<0**(Z%)73%U"0H!#+7F2B?ZY\W"XV]>WLOE[\VDWU8W7_M5J]I`@&) M;,<9+>,+V&2'6:9F:"A+"(^4/:):S>O9XO$ZY:=FM;EM%G7SI?J69/";K#G] M(0'Z"![6"&L-$>#&@7VUS8B``S`W,><$3;M!R#0ZPF4XMHSZZ':^LPT/BJ$C M/8)7!!.N-$>$Q+E@8RGH]%F*!Z;!VTI)C82 MGTB$B3=>,=6]`$KFQN).,'I[)!&3C666CG*UK*X;WVQ7OJ^>\G:/`"D2'*6, MHEQJ[:V00'2,9D9'N@4,/5:$0JR99@`[ M#$1G\;&(YN7HJQ-PS`RX$N_)MZ,NF,,=`XQ3BU8BD12FDT59Z!8)/9RMCYM$CXV"]$YRY`P#E$:579`4>/XP`PG`)56]'&HI MGTSY*Z\%E9[+UC,L/$LPXS^7B_I[M?AUW>C*-(M%-=]4KYV$'67.:0\*R//D:.1`,NP=5`*# M[AT!^3=J)NBC&8E9H^)=1.&M5BE'1$I&G4&W'KT#APQ+`[7C"@/BDPU*NSDS MJR['S3.6BCPXR(5N1?\XBUO]'A"@T,0RAR""'%JJH0,MJM(KF2O")IA"KJ$_!# MCKHV)5CZ+&#T<&J]EXU#G(LC45>`-M7,(@!XUGE%M-*YIR03]#"-M=3-P!B/ M'(+?EGDUU6I3WZ9W**59;_\*0?JZ6GUL5IGA^,/0^KJ^KUX;4X^[;L>Z!D\) MAMQP[#&FB@LNW/ZR(-#4N*-1;J,==^Z&%\7;Q]EF7WOCK;E=^NK MU5_5P5NCYSTX&.\0(IAZCH2"'ANT#X2,:$43-S??[P0%Q'#$>7FD6FX%"AW- M9TTH_MALO]U]J?]Y^'T$UC[_B``<\YYX(6RZ.X>T4E"TZ'')<^.=)^@@GQQ_ MSUR+R3&YF\A^8A`-2^.WGA\DUU82IRES<9FPT*S%#0(++JG\XC0X/-!"3([` MNP*F0[/VMX<&"WQ\NZD4UF!()<>&\18AR;)+SD[P,&$:5#T'_1+\?&O<&0I\ MD,))Z+F0%@K!#9,>X.[M0S(W*]SIQPFCISH9C5L#85O(1FV_J^5-F\3G<[)7 MW],R;<>D?^WNBAVW1U_O$(0B,%7?5(PJ)HT'5.]=ZL)89HZ&]HSF5F]S[.AJ MMJJ7W_;#_ZN>?:T7.U%TV*E^M'MP`FM'X[\2$R(@M5$A;&-GC\&7V,Z4^:7_M(8R?]0B8>@P1$5(Y"E(@*D"@@TYD M5\J;H(4U,'>&`;0D6:*J7/WZ.%M]KS8G$.:57H'@_V/O6IO;N)7L/]K%^_$1 MSY3K)I;*UKVI^PG%B".9>RF.EY2<9'_]8DC.D)8X?(`S0XAVI9)*40`&.'T` M=#<:C>I19&:5P]P#3223?#U&:R&ZHNMG/9'F?%"'-F&.-%N"BBLM(E+5N$3$KN".;D]D'!+V M;.FXME&[9N6ZV4"H%U`+QZP`UE`I#6U0DM:E1J)GY$/(D9QIZ&?+T2V3N&N> M;C4=`+045:)AACL,$`:PL:RT-JGIE3)R7>3(U70)9,O7G6&D73-WYT<"4"IN M11[%+4FQ*"W2I&@4-AH45Y`!*$<.=R&+,^VYFX?OG`FGF3XM50,U7!C!.<84 M:LV]D0`U(`)[!6^O#F7G=(/P.1SY;F`'2/%=V8"C.NNX\H(H#ZU0G'I7]Q%( MG1IIE]%UKP%8<`ZD0VQTOQ>3QR_5FPO?BGF$H`HI>;7>;1VH'Q'AD=1>`$9B M!)@76''#-*9&X!H7)`Z[D2^%S4S-(^)%CF\D2*$=)PYJ!`2,8_=VH[<@<#@**W^'4JX43!1! M'B0\[$DZNHT`)`,:0X:`0I4.K:ENU"(+92H%,W(;Y4K!-`GDP<#C_$0GM5,] M/641B8H:U@RS:E+Z)O0"F&M*!)0;$].ED`<;3_4");88A):&&8T$,91RJ0B1 M&S<#XJDN]HQ-Q]Z@"Z/!>JLM2AX1QV#UFD.A:H<]1S;9L08I,9`\/=-EMX`'.AV M4>WR7C\F?3/;7#NZ_/6B$RX6-0*4F%B@,(NFO+0:`FC4Z2%\@#WGG:#V& MXR^([*\8F(,"0HP]8A>@#NGW1@$T?;WZOG\3=6D#KG]1LG*PEG=IRP`A[#TBT-UE$ MWD(6+C/T?3VV(VFA[( M07%.LP%S30QT7`N",)38(:!JE#!Q_:=[EBMBSHK'T7,QOGNW:V2?L%^"G">O MBW('=BNLSZW7;VTUXC M``.`XE`0`;RR!%^K2 MWXA^'](_55IEYX"FB1["DT2_NWCPP%I)J88R]D[K^(EU[',U;,!3+;V,3G+Z M$GTG@*:)'N&31+^[>-#$0Z:)M$`X;I2B='T1J2*IAE=P`-.7Z#L!-$WT1,W& M-]$(.T'\[54"-\X*BN(B1;$#T1B-_:U[[+5.#0O(Z"2E+PIT!NJY^M]F/+_N M>83KB%J!(&0A4=`)R(D"6`#9T!<8E>J-SG@KZ-H2.!_5(7QZ6V;PQCK^=S&: MW\R.S$?^IEH@%+&X[541<@13#@2BC?;LB4U-])>Q!GF6K-NS_9T+[44)=/=G MF4*@6"T0Z9RE466V!&J%+."Z63052LXE]RX6GQX)=#JTER50]6I.$H6JB@$" MP63 M-7MMENU&M$O`]LVWXRH&93GQBD'$";#>0D>,JD=`4;(5]2[FV;'"*WM$-,TC M/%YKY7\?1X.V\@$PBIDW6$M@%642&2<]DLB2^`^&SHNZQS":;^_??=*UZ+O",DGZK1>WCV/"D=4# M-MPY+[TUA&JKL&[\/I''<2U[_SZ3;EG1#ZY]*UWE_V_Q\5DI4W&_WFM1,:?PK)WM1ZP8S1OR@1$>=PD@"(0N"H37%PZ M=-UK9F#JG<:,E*X>)%AV@^;Q?LACY?]K\3B:K@;8$I:[HU1@<6/PB)LJ"3H2 MWEG":=UKA9(S>6?$@3,D57:%6_?27G6E-?KV=9&`D4"`.PZ%H$(93*7'=7^U MD5<0;GF6E%[/ZC38^A+SUH+UZYZ`F_T50AR#$UQR@[%S'!L#9;/$^?3;QQE9 M6=U,]SD.R+"28B,1]-/T2E^*]_%'_OI<*KL@$@'Y5DIC60&EMKB1:P MT7A4#KKEP'I3=D\&\S"L<_&1Q/YI6I^)N-K:CY[:EH:UXP!(;`#2$ M4*#(:&+4.AMO'(>U(M4@R,@9TP,E.D*SKR7"3Z;%W,3^/);S_0O$=R6#L9); M8`WDAA*H,+'K$.78>\%1ZE:1D0NFM^7A'""[IT%M_E:OR+;(?[M(B/L:LM4M M;R$\98):2DS=7ZETJD M*DZMTHUV0Z-%]?Z#4GKDP#E0]D>&S?[DXR]MYF-+Z8"A%!("#IQE#%A"]681 MTTJDVHX9/<[4(R'.`[-O2JSH>CPIMLH';"@&A$?+.O8;>AG_H^J11(MHN`0K M[Y<6Z7!V3PP5NS5>=FTZVI4+^$V9`*17PD4\K:*>8:VK8+MZ_#XYH::\:@*< M`V%OGH3RZ:F?L-EY*_A@G6"` MJNZP"JR5K^XS@40TU1B%/X*7\CPL>]MH5NZR3\77^ M*D&9:%T3BSUWUGJC7'UGH!J/E;%^=H!W"A%"('-&$>!;5^O7[3%98Y2YT6:;NP'U6'GW;*K::E4CYMX6Q/[ MQ.FWHV:@3E(K*)!1$#A"J$6=T1A@*>A!H[.?27CSM9B/JJWVPRSB7%3]WS/] M=I0./.[`GFDB(E,\UUJRVN8#F,6-^SHGWED2+KM&=8CKXW;R;3*.TVIQ6XME MZ038PY:6&D$1$^%ARCH``=!4(.@V8P.I07\9&4]],Z8;9(=@S<-J]2VN MU..X/,2]D]H)JO*6*ZZ8098)+R(L8(V#T!*F MKF\9V7Q],Z]/O"_&.SN9OL3?W@Q"C?_G9?&\?:WH6`8>;C%8[KP6U@AN*2)& M`.=EC8V1+/4B149A,Q?A8N?(7W`U;!O+Z>MA6TM!QG$+3BWF!'KDH9((UEA@ M)%+3"&7TNM.%5L2.$!^"?:^=#(?VW)WE0US@$;(6$L.L@Y`(#9JUGE"=RJ2, M(G[Z9E(7N%Z"+VNJG\"8=8VHERJCB'2(8PB04]`I7H]-,I-J"604#C0T9]*0 MO8![,"ESSB6\@TY:B:4VDBA>F4W0TY7ECHBRFA^T&?J9@Y_OOQ3CEVEQ\[!S MU5"S\9H)!_,LG-EB@(1@:Y2'6DKJ**:2JQH?+U1JZH5WZ&4\FBGE)9#O>XX_ M?9V6?Q>%+F;%PZ2Z.[]T0T2^ MG%=_6U>]Z"-LV_V-8_A4/$_F164U;'*2'9%PZX16@E0&&RX$4IXSH`#0=AW. M)Z.%HBZTOM@HB5DQ7HMD);G9>/F:[FT9>]Z,:+O$=MZVEJ02G;8?*%%*24M< M_!]/-;*BOJXM[75<3^V546\2\0TODT'.1]Z.:ZO7NT:].QW&6>T%HJ`RR"C. MG0<::\=X+15K!4J-?,Z0JP/SZ#"+.Y?.I5C;EKWC8)T@+;?8.@:B?A('!67C M\XI_D?"*5LJ>Y7\$VU(0OQ"C#L_+[W7.)GJLZZV]Y3,!6,8,,Q);KRBRDD// M:A0ADJE>I8Q.I+-=-8<2VF6HOV5^_'-1C,UH>O\R7<9ZK`O=_#&=/"YY\VF9 M@WQ;`_LPNY\7H\5I"FXG7PQ4>"$Y\DR;B&JT*S53-;;8F"O(RW192AZ<%Y<0 M8VY3Y&.QOK0\N5^7-^4JF>3]<^1/.7N\*^9/T4AYF<]NJG:*O0];]/WIH+VI MTFH`[A!U6"O")&SV8DVN*E_P.YLT`\@SM]GS9IVH=O'R9;9\G[&O+67[&T$! MR3A30NNHVG(J+-"-EB`E3XT]R"@"Z]W.ARX%EXG+=\_?*Y#O1H\_F,M7.R.8 M%,@IKI"DV#NPOF9).<+H0@'GFV.(^NPA$G-[5//Y:/:X'--"_[TIYDM M]\_1?'S([=O9-P(SBE!"$(."*2,5,H#6&&*CK\BAT0NS6H^@AI7+$%OSJG/Q MWC\\%2#PFCFOCK$32J@KB&E4"S!7D;C^33:]7Q,L+83^U6V)A?AO- M1JL.?BKNR\?9I%;#5@^_MP7"'*@6+,5`:T*T1UYC)Z1@N.ZY,^0*HCSR$'S9 MFTR2V*2@E'2IM=]\/8Y([34"-DAYXXFC$B@BM&`,;I03EII_(4,O3#X(:8LF,J=[@:'0,J%,S1&7HNLB( M1!U*))5'D+1UX"";#E4-5E!O-8`24"D9M(R#1D=0#('W?RTL2TYU+)2X!5**9B\"!5#4MQRWVXE;KX.)*6CIO8\=BM[[& MN37:=YVQO7`@%BA!5?7RO M(%_%!9DYN'SR9O#-P_*/O1!YW7;P5>YWBX"V"#L3-1]!&X4'*71%C]N^2SZG MB2EQVUY^L4GT\4LYFMZ5GXO8AX?;>?DP>:[@V7T7_+0&@G38282B;HVT!L`; M[QO]!UB>&ASS'JV?WK;W?F1QP07SM]%?DZ>7)S6;O8RFVW^L[J[5@0')>_\I MK8?J]2P*)*1&>Z*)%'QK-EJ:>HDXHT0:^2Z:/0HJ`VU@L6LO6(WU7\6BBM99 M#VWT>$3<5A=?"02)N/<06#T9Y"%7EL"M!<*D^M`S>F@G7[(/(+!!XB&F2UJL M<5-\I`H4!COGJGG^4LXG_[OC5B=!JW'WL)VW?"LHZ M3#Q!0&D=K7]:.?N;D\XSHIDS>OO-LTZJ;`OY[]4C]@/H%Z] M_F0P!D"!L;""$NF=I`!OSO_CSZFSXN?)8X;BRWIRK!>`Y;@6'V:K&XN_S/>_ MR=##UX)EAG')J!;:`:%IE'ASP<-HGOQLT<\CS[PDEQC[O?3&?BH6SU&)>UZ_ M/7!7ZF+9H6)5P M4AEB#5[CL;@KZ_.!?6OHCM*!4T[/'#RU#P%3PPWUB%', M(1#,(E'/9@'\X>?BVIC_\ZSS/<@SK^O\B7?V6U27NM%#"9M?EPM5M*Z.T'$$ MF,>$\6AUK"!4P`A[,':_[[OT^]/1'7]?_HAV`I1@R2-$%<,R#MX+76/!$+N" M.\O_S]ZU-:F1(^N_I/OE45?;$3/C"=NS^ZC`W=5M=C%X@?8>__NC`JKH"U"4 MJ(M@]F$C>CU(I%ZVM@JJFQ5JOHM#ACRO>)E185?0K9&RI`[EG^9S
C`XA:"JG65!)*K5!,XUIG/=#)@8S\D-8Q!AH1=BFOQ\'7 MAWF41/0/RPZ(K:#U?&!`S%L8J91(6\('[&Z,"DEXQ8@)G7P$O,F?.UD6&23WJ@;CZ MF"`T#J/"&3.0L"X]TK76S."(#5LD6$X?Z1C,(7-XP#J<[%>SW9% M^Q<96ZOCCR7R2T@,RS(&<5ZZY#W MX^#Q1?VF_E65N[5"X9$Y`I4,4^BH$=9IRHFWN.:U=\0W>`3G#`L22TR]%II);8S5$BM4K1QHZF^G4J0?K/3`Y-&]@41C[.`, M07`EH;*":0J08`!15V_&P.CD-)H,JRU&=`"2&3Z2Y?]4YJU\CE)]6FU-R79F M_YOA@4*NB&46,2R4M%`JCRNJ"?+)13W_B^]?SNU!,EVW7=T.OS=SX,;MM^GD MZW0V74^+E7E:EFR/0_]8S.^V_^=4EFRW7PK*0FV8,PYBYB4#$NKJJ@]"AE); MJN189=`O,7C9%D6DCZK/NTVD;#I8TT)AN>.#YH9 MQB+?M:,H_HF/SAX83`RA!%+H>=2.*M5 M18D0.-DY+LHF=69]Z`(#J;;VK&&S(,>_A:8$8:SYCB1#I1EN`"82J> M(I8D!!`Q)3KU72'CUNR`DPIQ1J*'FG$-+R@[IN[4A M85(C<+>%LLLEN^A.!FGXB&8-`(@V`^3U#P,D&O-H(FE#G.>0`[5K`!-7IV7R MH9NA@Y@/0BX40B)$*(T?9;(9(J]^&)A32$A+-""0<$J04+9:G>(6`I5:721]85]0XFIRBFM'!U*,WV"NOLVX'L*/M M6:N[WKO`O?E6X$A[P!P!G@BO@*,4\UJAW=\FDI$`L([[]UPJFL&@_K6C$^5M MB\=_%M/';^OB7OTLEI/'XE-1'CE5S^O))M_I2['\CIH49/P5!B0(!@Y8P5@\ MT0B`4M:RLDE/XG1W!*YLJ@?DKKAU&`4RL(3CL$M:.<8UXBSZHX>,@U2<^LR M*N&Z/K7H4&"99"[]4:RW+5RG=[M,KMV(M)2ECM(*%ZLH\9*`C7B:&Z>=-S!$ M:]H3+(A5A'K%,/;5RQ?#W:=&&'98`$*69$1ISY(BJ^2*-N($,OY%P MU$GKMG;2N;[6;5("9H750KGX%]?0[KFI'$B]"+X.]'4I_[-;M[7C^$B(:M;+ MC3)^B6:5CHOZ]ZE+PCX^$\I.HDQ@"XBS2%)F$'3U+F":#:+\X\;9[II#">V: M^WPYBXGUULMH:0GF@.2["LY(*8,^]7W-Z]A6!P!(NW9@[:21E$5QV!7]:[XL M[A:/\S+&>Z3%5XO1@4JC)<:6&&^BI!1@$%=T:(A24S]O9=/K"E7]B20)6D<# M'?MZ7O-MLCSXS'6["8(&DCE(4"1!`2&)E(Q7U'@/4V]C,[KVR0=@?4EEG&.S M?,RX?/7F;9^55H?H\6D"QDI;9I65A@)`O4%&5UP0&*0V9,WHLB4+;`X@FW$0 M^DS?=O_:VL0[/$5`1"N"(6)EU0I"C$D,]CXB3_5%,KKOR!R9G<@EEVN-Q;H8 MY^[BQ1W3O%3SJA:^=B;/N,AH,4O@1EDC%$8.B&B)4VKIMHP&4428:?22!N'# M*\%M(5VA^7Q&G)PF6`^]B\Z)H%Z"J!%,(5UQ0EB?FAF=H;_8"SX6@[$^DUVB MMQ8-;=HQ'"S0]PIP"Y0%QEG`A:,:[5IO$P&!'OW-IXY+5\]_)*J/#P>EG0;8 M`8D`1_"X8!C8DW MRCNL(C^EX+RB@YCD^J^,H)4;(!;=B2.+A+;5L?2D/67S^XW]/OF>VK'ALL\% MPJ/'ZH@%TD$$/$.8BYJKT7VX'9`GHJEM1EK_0KBZ7B3GW(WV\\&`!5-2,2N= M4P88*2BW%6>I\*FY)1E>&&2ZAVC`S(WHM!VXGR?_5G>58J202UD#1NM$`I8H6`L#8)>/S?#1U<&2KD M=:+@&HZY=_&'Z]6'^?:ZXMWR]+-O/7PM0.RU05Q%!\!)Y`D&EE4\%42E>CP9 M7O'GJ%FC"C,+!3GJ(!XDLZ]*M^Y6$:@&!%$&,7**<HDW48DJ/DJYL,\Q*N M3:%&$_(@BE9R^,-J]537A%RZL6J]I,%"GCY[#C4MDRB MQ$YC7$>0A"&IH84,DQYR@WW?LKJ*8Z(B;O23HM5"`HA=UBV@HD=(!5$8(4V,DEC1ZM&GN*F.3V+,I-$T,WU]-\E7YQ1ZYC`AI>U=9H)5[Y8OTGH-])P.%(7G'WJ M@?E6@J_+?VUJ97;B^_AU-GWL[CK M5YQB-/F9W@POM'O!S]&,T=Y%,-F5XC3LL#+OD^K"(4ZO5T_?M"?Q7/)@3$'=RAN`Y1DS+:,L: M#YS4`B-7T,@KDNN#XNX(W;K\XJ"N_7TYW3]*P&,J9,'(JVB`%H1 M%1)3J8"FE8XZY;B\G5O#87$ZD$"R@_#./U`_HOCOIMNFI&488+5-ONX5X2G? M#IH(YSR,MI&1%ICH8A%6\5N(Y/G3B-TVTX1*3*20B*855Y&G7=H%WF(%'%)4HW3#._B^D1@SVSO.7 MT5!^>W)0T!PASCVQ3%%ED0;(;.6(L1?1#1@G5E*O6?_:97E^_E84ZW?+Q=./ M")VF:MISA@?I?"31:<:0L9!P0:&N*6RC2_$O>N=PTEFPU;:]#FYU M\D@!:\.(P"0S2",)',<<66^=KO)?`!?PADI9NQ7?H@_V)L&AIFN[C&WAX-&2 MT:8AP1C%&2->4,XEXPQ!7Y5S`4GP#=3[=":S12\L'<)_JE?[8?[C:;W:KOGH M*ZAGC`H`&XF8%A);AST'6CE2T2@LNI4W`#L1\[%SY6*V#@J=0YNHG\[COTTG ML\]1DML^?9/FIU*[FCH@+X$'Q",JA*'8.UB=[`0@X&[@$=5>#[.1Y#!(GX^? MT2,IF>(7R\^36?&YN'M:3M?3XF33CZ.#`J'<.$,I\IK%OZ!6Q%<4$H)O8+L; M'@RO>WQTQ?U!\?6P6*Y>+'93C53VQIW,RB20=_&D*+OCGBHW;3]9@,91CQEB M2)2Q"1A9425H`$80NL6=;RP\]B65(7#ZYW)Q5Q3W*Q_Y^OMDO2/@SV7Q8YL& M5$9`S60V6WU\2-HR.YD_(%D^AXHE4MYB0QG3IK:D!$IV2C.\J1P-S6,(:E#S M]%GHIPQ2_C5??%T5RY\E'5L[^U-QMXCVB_"51RTV%]6JZ#7-^64[FJXB6 M\CFU0\8!-$#P((3BFK>8IH:@\_P&G0T)S=5RNHK_Z7E)7:3RX\.7R?^= MT(N^/AD\P4Y+9QAVF`MK$2*UM"T4J4'L#*]'1U.,3&0W2"I!U//-W=Q&C=6Z MYKGZOGB:G]KX&T8&Z9V76`./G>&66`;J=CO`89'Z!'*&EZBCX;1;$22%WW]? M+->/D\>B7LI>1TX]:],P+"@KE&$`62*AI-XC(D4=3`0\M7MMAA5]@X.G!_X/ MXKKM#/-HA;\PWE\3LLU7.>6CM9HH,.SC5HT%<9`YC00VI+;Q#;2I2,RP`&X\ M9ZQ/B23M:MMD_@_SEU&-TBDLM:-8?5E\F*_6RZ?-LM\7LT,%SVD3!6F\I2;N MVM!!B[`F#%153T`#G.KW9%@V-L[.U[=$QDA+.OB/*<^%#)>$I`A6'"H%.(M_ M&F"!VE6;EE=^IO&NJN?PR?-7,L](BCTY+FBE(D:=-0YC9!2%GH**5FN2/;:, M;DNZ%/BQ($4'K,U&-Y-J,X=33J`<)Y"CLC$0=,A"H+?6'X+*6]5XG=)WUOO> MS]FFK<2]>SKY.IUM_.\=1?7UX40Q@"^#YL5^ZO^\_VT6,9O?_NUR>AM>&#LO`D")E9B3"5E$`&LA);2591#I&\. M,J"U*9]AW_+!>WE#C72Z M!L89:2A=L7VL:A*85$VR&Q6X$M(!9[VSD4J*A"8UC2S:!3<(K6YE?T:)21JO MQ\(32L+3;E2(IHF1$FA:]J@GF'EE5:V9$*<&H#-R^,?'4QJOK[/:34E.E%$* M>F%UW-H-HK:B$4N06OZ1D0<_/I[2>#U"!*DQ%!M_\,92_:U-/5P7WPF`62H$ M<`AZ32UU"NXR6B(?"4]^SS6C/3`'UV$$40T!^=\6D_DF&6!7`W#@4O($D,\8 M'3!GCB,"),5:>&\9E?LP`K4W<$<\,E86?FH$\8H:#=T-W/KD@;!> MQ3)8L<2G8C)SJS+W*G(GZDA1*D75)Z*I[.'DX&`LQ,YQ)C4N323B--"UQ^55 M:A`O9^MQU*VNZ" MI(17J?\&>9!:MY.1G=`7'+KE[%"[[,>'.M?Z6>9SQSOLX8^>'AY/1@8B M#P5V1`-G-%-V^Z8:HIAZV+B#]10G.;#DO7=Q5G;->3,$%H]LIJ4!'!"'8?S; M^(I^3^D-M&/I!PZOHQB]L'M['8.I7G17TG"MH,2%&QGV8"5(^J2N)L\ZR MUX^[#UX;T&.#4J%QI-&4`0<.G1;:,K:CW,<#XP;NE/L!0DJKTG:\'CB+YIE1 MLFVR<';ZS*&1P4=#PS$0]T2E'!=6Z\W%Q(96=H9&Y8^K?D1_'%<=L'E02.W/ ML3*8L*T/7YV?$7-B>+!,X.CC<$\$\%IJK'7-3:#1#50X="[_YAJG2]D\2$GV M8KF1V3[Q_0`AC1?-+68)$AI#-4$0:D?B@4",C9:7`!A&MI#D&';.4.L$$J\+ MKGMC^1"P,Y/E\E=9#E[\B'04]UN>I$"OY4Q!`$VUITY3*`V-0C585OQV`-Y0 M7E8O"%D,R?TAD.A6Z^GWR?IY>5H*#-M,$S"ASB!IM('1._>`RN)M>4C@5)3XBE4OE8])%,WO@Q!-Y3_T!VW;S?#'GKH M+(+42(^U\I(2:"L^6,]O(*S9%S`NRK!OQ_;KS+"/MK**.SE`T*!-T];RKF=' MHV(>W""TNI5]BPS[=KR^S@Q[IJ--B@%UB!`(G*+<5)%*#Z.Y<(,'Y.!X2N/U M=6;80^&T%4A3KHD#2@O$:U.3"9?:T#[G'*G!\93&ZV'-^OP>F8',`$DY55XX MSBT0S-42H-ZG7B7DC,Q^78%!Y#!,7&[U;=,V?_7-_>=I^G,R>Z'*9Z7*GSU' MB.P6BC,(N,,<*^HQK$\!D?[D1\X67.]0>1.@ZT<80X#Q4[%:+Z=WZ^+^,!4G M,-@T-$AK$(':0E?&?Q!`6M4'AH,N=0O,V=@;&GH=RV`(Q'7]QE;Y>(ZDFEG- M.2/2*65T;>H(FNI29'W0#HRRSK@_B%%81/E-9N\7WXNRJD1/YO_>/-9^RM@[ M,B1PB`"W3'#OG%;_S]Z5=;>-H]E_-(U]><1:DW,ZRTFEIA]Q%)MVU.6(:=E. M5>;7#R"+E.W8$@F!BS3)2R4J$2(N+H!O_Q!@$*-F=E)GQ_B>8W.57&X5PGX, M9J4TN$_UM@W2C]TF:+';0[&#SP:J`4;>.,PHP<(#QEAK_N%"Y?H.SK%?22[7 M2B_"E*3+X%K@2GJLH,.I_(P35E+:"@,8RMS&I^?8:J0TQ7IB/UJR]L?JHEIN M.EAEY&KO?3AP+)5($J=64D`)//;M7A(T.U_J''N3Y+*M^"J<1Y$`8Q2E@!#O M5)1"4WVBG?4S2JL\DWGGV(OD*.85788QJ/=F%9[\&$[4./ M!A+1@AIX(FS*@F.**M<&&0J:&W!TC@U)`W&8-QP?>.PX!%%0YBGE"L( M#?%T9U''V>G(X!?A!EJ#,?AFJV_U[7+O2=9\)3!,%);0J'A,I_)K$N_.9\10 MKCH`?_D&C@9[(D.9KM?K^J\(24]W5-^A@D%,&ZJQ,8P3C`PFD#R@X8""*#O1 MZI=O8+1%&=7!WZ&)R>_WGR,+(IYWU:6M/M^]_WRSO-X0I).?_[A?"$)8:SQA M0F`I.94<4-%@9YG)+9L'?[DAIEZK:?/2!^F`-7"5"<@A1`I1J#5'C#!@MC5! M@(3('$S.GB8MO4\3EP-#1`2`$``8;+2T0%'.!6H0H$2<0?[3,(3HF9Z>B?=H M&_K$&K108JDG%`''F&?,&>.W%?9\^OV#2:,#[]OGC7R>@OO'JOZ<*@:FXW(3 MNQC_=QT9>;/<+&+GJA/'_TI``C)'B,=$2\R`!-2Z!D<2A:ISV_W'D:EKWZ;! M%^*<\M`@2K#'`P-"H`V7P@K3S-PB>@:EZB;E2UZZ6K]%.=]T->3C@0")DTP" M@X#&&(,&!P?=&4A'0Q'CJ'2U?K"?9KH:<\XQ`22'QF*,@(6<-7/TE.0Z_N9, MK;)KWR-=K1_6IYFNYHF'C"$$,*-1AR$66=_,47.5*\K-V4HY.I_RL#[-=#7@ MG4=*H*BEQFD:#,%NSR`!E4]'R:K_[-\2YMA?"E$:9M)0 MSK!,&H3DZS>:4=%F"B'&&H(-X@RJ:1D0K:[WI-?FN_Q M+.D9(]%O1?:S[Q5CZ&_U]VJ]2E?,N\VD%C=OZ_7=]>(Z87-17SQ,55UU]&H? M/68@$L7I*BN-8=A2Q:EIL8P*76Y]VK,]+_-9./9:9?'SF2>^>3E3K[_U(V7O M@8(%1D:YV@%+J)#`4\9P,SM):"X3YRQQ3LG$H1?H&/H]WQOII>IUQM&8.UZ( M4X0XSLT88;S01!(OFKEB!W,#SN:<3C<#,@Z]3F,(C,V[Z\7%G]7E+JWF>69J MO["U(T8-GEO`,`5,,.`!)PZ"UFA+*<@-]YYSNM[$@N9XJS6*,>"%B(GW?ZVJ MRS]^WXDS:G6IKJO5Q8]'X4N/).Q]%H`"PP8(@0Q@@H1H4A%1G5'"Y."^> M^R6&`GV4:^;B8M/`YEU]5]UN#H'4COKG]]<_'LTEOMV!\-%CADV&<@8"LQ!E^?ON3!@-&7OAXXA,JXJ+8RY0!R!',, MFUDQEEVU8X;\&F?Q?RH5>33F>::"5?6I]O7]VB^^+F]^;*;[:A#5@2<"M)&B/I'4$V3A]R`D1C/H&`4+T&16,+4*FP1$>AV,;>_K%1A?? M>PP=>"*D4'"PD1$-:U\"F@$G".>QQM(CBZ'SR[KP=! MXNW)%95(8(.AXURW.JMS)#?.>X;.X8&.F&PLQSI,[N.+=N3'\R\'Z[3`2M-$ M>Z(I5):C9D88\EQ%9X9NU>)'R%%(CNC6?ZS%M;;<+H'['1X/3B!-"!#,,DD( MQ#3*ZLVL+<*YI\L,I>$1##$#(#X&S_;@\:_EW9=W]+"#0,BQ$$O^T%Y391K?D`,AS:G=?E$+/:UZ. MOA2SI.\?J_C`Y8?U,G[[V^)F6P^F)(5?_H7@N-20,8@Q=4PX2R35#78<^S,Z M;.=%XR++,0,J#WD.=]CZ4$.`E5.,,H^,188*V^!%G(#G8^R8DK[%%V*&Q"U] M`G?<\,10S!'0UB"`>/P7XK#=\`;DII[.T-XR)P(768R)2?Q\3GE4?3Y*B!,7 MAG&,'!(1=$0Y;(R;7#AT1K:=J0AY).23TZ[,!?_"'0((P9!#A2RVW"F/J6UT M7(X\RVU'-D/#T734.Q+TBHZQ M_;/2Y4NMR"PYW32E>;.ZJ+]6J?_N)I+];77WI;XLR>N]/Q2H0%)13"C4A`MM ML%6R09(YDYM;/<=4@EEQN^2JS(#?(YS8W4\'1Y%%F@)E'9$0*.UU:[=66&9' MA,ZQQ=&,E/]2"S)#.@]T6/<[%`3U2`'*N/-.`L4\:R,:.!0D=?$Q%`/&MO4](SH&P.SX@E^NK4$68.B$V>&K M(5X?5DJ#(/,46(8(<@\U.*!32HF)LEG;-]WE/7=I?+3OL>"T$BE#6G,C*,4" M M4)XZK*D3D$(+K`+PX=:$AGG`#Z:(#107^E"+[3EPNEI55\L[4Z_NEJO[>/B^ M_U:MMQ5]#J?6YP\:-3F1^)6JO*60:I7NCBU*G`-Q!LF6QQ/DY7Z:PZ,]2@S[ M_3J!MYW33[/9%]"^_\E@!0-.(LSC?S2&1&'EFKEB8'(+X\V(66,2XGD,?%'P MQR#:I@]HJO,0%[KP\7?LT,%XHF&\NDU4\1UFAF!`&[0L`+DV\QDIM\4/P9$Q M'_$H?#*SC`-Q__.!:.$MU,%C307CO$I#-",^WC.FU)(*-6S0ZF M]@^#RT]OGS3_[6=;UGVL4M6[*LU+75RL[Q5X/RK)[-$HUQD768WJ;,['$D MW@P1.%7&*^B(81AB:XBT[1)H`W,;_M@1:1,T MOHG73(/=G@X4IF(EJJ8^?"0YKZ;C$4!'(O9#``-6\,X,HM^7V M#-.+)KM"C\"["$=NWR[6?U9W#^T`VLO[_>J_KQZ*X7;ES:%Q0M2/$8?66R>P M3$FVV:7Q+EA<;BD?*E\GV3/J\^5385789+K\(_5NEK<+/\W-5Q(MI7WJ[8I MR=7SIB2_K>-7^ER2O0%/L-A$>]C[F' M'<*8B0H/=5Y39C9-P:QO9N:Q0^/EM@SF@IP%CW+0'IE'C^:_2VIXLWI7KR[J MU5T$^J:Z5%=7F]Y.71U;_<8,`DHI#:&:2!SE6I;Z*S?X<`>RN^G\\A*,LB!C M$K9UL3^:40=.OO18U*D,@G4_R<),7J>]1]MDVV7Z\UU7>(P"226@+G-.,`:\NU;C3SN'5<;K4*^/_9 MFS`<_I,(:?_3O'67(F<=G@Y4<,^,5!;%^1KGA"2RW4689R?S_/(>%(9^$KH] M@B1NI#Y4>_IDB&D*,^HA)RK*YDQ"2C'6S=R(`KD&H1EIX`,2YQ@H1Z7)TS;=YLMB M=5V]61TGKQX_>+"0Q/V#!7/41+P41Z9%3$&?VS=P1M%]PY%O+-3'24*L+_Y\ M^7J?Z%GOHV'F,8*0F/DKS'CAK((P+P$`S M?\2RLW!ZZ^U#NIV+\VXH>,>@5U9,WYX`,D"-L\K8N(LDT`H[:&TK#U"<:[:> MD1)>G#[%T)Q$L>ZI32==CGMJ353EG./,6Z8)V*? M/E:7#XTPNP8ZM0^$U)49,`RP%H`)0[!P[=MB#W/=]#.*CBNVZD61G.I4V*8T M]SP9*>&JV2_?3BKKI\7JCK8]P%G^H'L_SR M>_/)G%Q..DJF2E(M-8[KR!D0V]JJ,(JKZG"GDE'-O:_8JU53IBR=.O?Q_7X\ M68#^EM^\WPE:"TNBWB$\DYZ2ZVE+9;89T=CG@KNK,+F.0W8&KE>W6B3))_NN?7F$G@W5,*Z,]2U3/$^^<3#4"*^`(JXI M]J@MCY^,Y]IA>!*C*F7W%A`E#*OH-D54 M.R-H=E^X<_8AC`;WW`AYG.VW\"\%8)VCFCA)*92".L^;#C`Z"D`B-]EK3O4R M)J5N^34XRBQ\M_A[D5[CKV2)K*^N;EM+Y(=J?=&AHOO!`4*44B2SDJ*X+SE6 M`.*F%:N.,\O.PYE3-8QAK,2EH9W+P?>B[>AUNI4:.EBN%.5,,(,4=B@NAY(- M6L1D6__F5"]CDJ.M(.BSHF@WYT;.<`$S8*(8+2V/`HMV6AHO&E2P,+GN5GC. MKHX1@)Z.?B^U#'< MGU(!YGF$84M'#?.,86<%BNH8`]M4<\R)$8?K5`VS#W^_^%)=WM]4[Z\>%Y=Z MQ66Q03-55=+Q9?[U;PO?5A?_=5U_ M_\=R\P)I`^/MW]/,\*.M^_#IHS?=MRM?_W+0"G#OF,<:6J.AT-[R=C;.9:NI ML]MP)5:T+@SG!)M*?:W7=ZF5BZEO[^+YX&[OEE]3L46_6*XW1:0*IW<6WGT. M*PBQ1.EWI)6.4;XM4H0P\8=3=X:^0'=KHCGS\4.!!I,E0Q9`R*VBTW MIIDETB;;NWA*N[+S2K]Z'QX)ZQB2U]O%O^OUI_ASFZK'GS<[G@,P@23WW2L'M_`7'(%>5G"')BC.B/^.R,!^#<[_54119I6WW;MLJ MXFT4.JX7UU542^IM0TU313GD:ID*/2<]Y?WGF^7U@\'UMW=OU=OJ_]B[LN4V M;F;]2MC1N,2:I,J.7;;^^NMS@,>X_'(`5M5E MR&4,7C^F$?^:7/?FQLYV8;9>_56O=BPL_/KAH]W)ZI[>$#50$ZSG&#"AEDKE M/6FQLXSFMC\\^$CO/#@]C51&9'36IQKV4=/]O""B0)U71%,%''O0((/M=('* MOBCLX&/!L^+SN$(9Q=A]7(F97?Y973WAM6K-+$&02L:#4R?%HV#_>4W(LFUZ=N>.P0084".F\MLCC;G-@)KNTH:`4 MRNF9E07U&*3ZS](S5VX"(.1-ECCI4A(AG;UBIC< M9-V"4B3'(]I`H(]!N8V6/9!C[SX3D6[BV,0(X@P@)=-:N_4EU9UKH!64[#@> MJ?I">=S,@6=GK1_FRVI74X?M#T8D`4)S%P5@YJ4,@K%NWQ_V>YJF:+9OZ_).6]374=-E`D0FGM.`$C+`42 M'`M/YY@<!=%/.:'N)]$*\9)QIMA'(:@U38:2\Y,;S%P029 M>P9<4"I=*;S+@'M:VF5Q+%JDD+4>B%4"+%!!Q1..PN4&R@H\^QJ=4`=B.P9[ M?JT65Q?UQ]E=,\7O[VSSIKJN5]7&8;GX-EM>5+=-1&3U_;?;OV;SU>WV:L^> MWA"-!*:E48'RI/590@O3%KOF9H?S.3D;B)?3"&)*$C>Z^[*^63:+^[5>7,V7 M-[NLOD.'BE)2S)7TPBMO&-6^:2_5;@@@0\TJH#WF.=V^BCP$.YZ1F8!?F4%.SRO3,HUST;&4+"B&*Y$&>UBMG_O&W;SZ,0&M.T?@B28&FX4*B+ MJX'"N8980?U3!R)#CZB.$JU\<>+R:;F78_G^0Y$PB;30!",OP2I#'(=VA531 M[(94!34^'5B+]`;NN/1I-LV#Z?/ZH>@\X9YAD]0:AN1!XZ:,JP4MK3V7/C_/ MH7YOX(Y!GVA<1:0].X1J6#Y[EMQRP\Y%T;47.BSO/6L&?ZW MFM]\NZNN=-H)9S?5.XVQ>QT_\M"D:#=%7,09Y,$KQEHLM(#KK)+6TLHMOJ_K^YEN8_[U99`\)81GOB=P@FO8<,"@`IIB!>.PQF7!$ M2O+3#WU/KU"'D,0I,+I/>V#G.V*0@#E+3CWU&BS"U#'3XJ=(=J_0@H+EY3(Y M5PJ#6@GO378`@^&`5R5C7UL)8*1"W`:M*.&Z^\X#Y![J%10]G]AV&$X8Q2G= M9FV/R[RHEL.9$;O>$RTAFH=`+&&`*".<@6IQE$SE^F4%!>0+4;X]2^(4&-V[ M&;'M'1$)S:R36AK"`_4)3.E;_!HH3S_N7RZ3;8.W6Y'GC(F@@2#PRCGMJ:;=N3=1V5>`_7]P MK&_LAS<#AM[[M^TQUEC'+%?*AF03I<]6BNZ+-12?0Q9'"3M^?R*80FF^;*[P MLLQEMM[:;O?0H2)XBVP(`07G99.Z*V@7@@F@<\LP"[PH=@3%V#/:IUB%21*0 M07L)'H#QP!&P3MECSK*S'7_R6-2!N`X;N!\@5O\#/8VP#L([I0VWX)3$C'3? M"EB9[5R<=2QH9-2GK!#:S]'_O;IK\R:3/K[/JOC-?%-$""-EP5K%*0M>!F^? M#A28R>YI?]91HC*$43ZQCRF0._0@UZ$0I$7*&<.PYH:%IZP&E?[*)?)/$1F: M1@A9%L!Q4SW`+NC]13$8!S0`58XPHAD&K&T7,0OAC"Z9[=M:F%H6A:G:@0V' M]S>H]&US:YE7GAH+3$BK.M3`B>S+X<\ZA!`KE;<]VP=M]B'#D%<-"6XVL M\\$RT26',=#9O2]_BJ#/B,@/;0$,N^UOW5^\0THA0P,2!IC'AK;@!^%8;C"' MG'4P9SH!3*DH,Y1@I-IAP8DD7ALKI:%8=YZB8)!-K[..T?2,ZNFWGK$L,,VY M190@8XBUV'?*VH')K]_^?J1PM?,$*'*.^:",5):K+I-. MRI![X2HYZZC*J)A/T`^@.=IOKC^RL\5B_>GZ]:G_YWIU=UTOYG6OM?[Z>MT- M_&("NPK^=SX8G:?44B$D89)PIQA"#Q<24$!"A)W[[C"[Q.=5?5E55^N0F-K, M^RW0>UD;APP39:!@J/;8:D%9<\F@""T2)-#<1/S2[-L>*5&/AO:T0?E-:^L,[VT>Y^\.Z]]LD#1XA&D^04&$9$P4P^D_3..#?YRM_JSN&MR> MP9@P,^EU?VZQ"[8^%Y%*]G?:D[!WB-J@J'T\0DQK]0B9,_&R^Y'WZRML>T0V M2W^_/OQZIG@V']@V>APV0!34@)!8$^JYQ0R,(H_76J9%YI=(E.89]\J302$> MPR]YZD'[NOOPZWLP]U%$&:-%YBS&1`@B"!;6:&NU;S&A3N1F#Y?F&@^BGH;' M>PP./INK7A)4C`C^%79NF&N8W]ZLFN%9R=VG*TAZC*`B@7B`B+>#'T+&6P;&= M-;A#;SBO5=1>^\J;VYF)<2(`<@8!2SZ1]PR'=I4QAC&2&L80O"(\X"1J\=X:VZQ>`SZ"+_6",.)QQ69B/PKGD*-[, M;BHSN_RSNGJ:\,?J]H]JM8UH6Q^,RF.)*`D*2S!!@U3_^?I+G4S99:/-]4VUO'S,`SN`7OL.$;G47FEBB`V8(NH@*-ZN M7CGI3O_0:#RB#03ZN,=(/[K*Z%#+OGLP>H\2B$XRS:D@WC));;M20TVN'BN0 M7@.88KUB.\Y!4/*\JXO9O_[?OZKENC+5LKJ>;ZM(?.>):#<%;AIKD`H;;)`" MW:[-67$&,8^^A?SF#*MX( MZKU3DNP!H],>$<00<9"`2VODJ%.T'-LS"(D,1*-1<3_%_E$,.^I$VJT?&LY8 M04WG["!MS\!N&N[8JC=8>U9/6SFQ][,Q(1*X#($2(P+RR%I`G74'.+>BZJ0" M8H=28RATIZS/>]E7K[JN5]6GNV_5ZN+;;'E1W?Y5KV:K[[_=_C6;KQH4M^BA MGMX0,:@`3%OEM%'<6TA?6(L=(R+7&C^IH%BNTII&!D=JN`-RE/=\,AI/,++( MF!`X"*2AJ1!XG+_U*->D*BVY=$CMUA.V8^BVB]7L:KZ\VO/;B*B"IA&4 MYY8(8;PSI-/5DF?7%I>633J(OCD6S6F-:INTWTWUV_+WZN[)1?BU7C1+:G*G M&V\AR_#>9^"$E$NP8X^I#LSY1N7ZSLGUD+O/G50;N/Z-\P&@GZ)R1R^O6M7; M2Q'/7N-%@UDPG*C`'5?84ZE]M^T+DWT1VTFU?C$1.>_&5G+'!IK+*$^*?-`?'<\XB3:LJ6RZ^>P1V#2F&^G"TO MY[/%;\NT^/O--#_]LZRNTK?Q>5%=W:1_6]MZL9@E@9._WS?#[GC^Y MS[-1)[-`4V=#^DNQX`AZLFMILG)SN5-0L&<@EW(`>(^BR,<_?C"!C_6J:@Y# M,/E8+^^^[>3*7H-$+S!@YSB5%`M&C,`2MZM*$&9?E'36!_"#XWP$>^KKV6/* MQ#]I5O?=K!9I5K=I5G>;6=WN0:%#1HJ0=O/DL0!F@B7?!:F`6!>I`II[L^%I MW2MS!(\&!'N"VH"7'\.F**S;:Y^KV;(+!PA@$B!I]\8"2.^2R#S"K`"HWLGI MTR@<\*PY*E68$F(9=T)C8MM5*J&S[UTYI0]W;TGO7SAP&*R%Y'7W5#B0]!`Q M1@FG&*/>,@=MYSX%&LLSRNGN@P"9A0.'@5P(P7HL'&CZ@`($O_EDF<0$4]?A M"_DWCY5'LMX9D5TX@W.:L_$".O?M, M],0*2KQC5DJ!G%92=P`*DDVJ@ISQ\4C5%\JG7'[B#+;)>@5P$E'LP$-;R:,4 MR.S>)`4JJ0$,^EZQG3@=Y3%?_?Z=A/4/U7K]_-A3W]RLJIO9775$&]DCWQFQ MU9ZDOU')N52>6>-5BR^W(3=YJD!+KB^B[9_),JIH3H/Z%_]4B[^KA_7N$RP> MZ(TQ4.X-"";!.@M8(RU1BRT*/M<]/A6570+M^Q!,V:1O/^Q/JP_U\J9:C:'O M=[PS(J\<]5PH1;W7!%%*6W=2X60!GH_M6QSQ^Q5-V=1__G&WZQU6WV]]8Q0F M4(Q`8H0--TFG`(AN+S4HUT0OJ":E6-KW*9AI2;]IL+PS)2EKG&@HMF`9TUX# M]A[SX+M]K[D1X_0+7B8CZ/%PEZUKA]6KSSY53)`'I1Q6RGH9+.+M@8Z2#N6: M#@75V12K0W.%,%9AZEU]^R8U_BCW=PN5!WE?-%PXPC$&,`X3$@0.O,.5^MS, M]H**>08F=PEBF;(.>Z@3D$'>%S7S"=8`V%#C!)?",]:YV9B?0:'0"'2?6BPE M:_>MSNX`VGWK^R(A#!.??&L01$OF!9.VDS*(,ZA;*E2[]RF6DK5[[GG'(.^+ M&BNNO2--Z*W9.JE_DC)E+CMIM:`ZJ4+5>Y]R*5F]#ZW.7^H)G=`AH"W'S@-F MU#<9R(^X:5#9Y1,_3Y1R"CF4K*^'U,U/WWO3E\`@;27CZ7/'/##>[6^*9/-$3BCR04@FM%98\HLH*")0R,1`1$D)T](%%V M!O?YQW)&@GS@#A,?ZME2+Z\^5+/U8R;A4'=/-F]:?ZDNJ_G?319#>JE>+.I_ M9LO+)J/A[3QVM9?('6_3H]0%S*U#7CC'TU03_EI3X!0DV;DM#UU>]-AJ:WGS MM+B+57V?_G'5E$I]J9H&7)?-F<;RYH#F%(UO=)E_Y>WU7K#9A-3YJW*S/?GZTRS6Y'1XQC MAHV$<)N,/PB*"<`&:]RTJ7Y`R0(_@\XKXY+I=3+:>+(9@\$O)[FSD<:/?AXE MIQRQ9C=7@BFN`_6^715GZ(QZ9HPC_+IWS,=@DJUO;ZM5TRCS2S("_3K)L_I< MK^ZNZ\6\_EK=-$;GSN+S_0>)!O.TUZ2/%S,-@$785%X_((!#=FE"@:P[C@#U M2`AG^8"?EM5%'>K[59C=SA??-Y_4NR39\424&&F*$$=$8Y1Y,%AOX&4AO9 M6([!D$,,P1U&^*%#14!48D$9D910PAC8)Y\HB.P#I0+5SR2&]\#R*(V=.TWQ MPP>+0@B)G<5&!JDX)YKIS@*EP6='HOWL/48T@MCFFE$??-/TG"++>+M^EC:0\]F!2]&3O0@BR[Y_>',3#Y@MO][_ ML:[^]S[AMOCNJNO9_>*NNGK/S-_Y8$Q^M%4!22DY!,W,\\\H_3]\ULKL6(G6 M`T)=@L;ZO'KQY_2K1KQ73^$OP="KFF8(&; M\/0$/1K^K*TW+&]G],O5Y]GJ[N%8Q_][N;A/'T9S45MWJ='7YOSOO?O-LL:) M1#;=#(TSR)O_8^]*>]O(E>U?XKY\)(OD18!!'&1RWWQL:"(YT;N.E"=+PZF>G-G,$#&<42*/'6XU,(J;:WW.D!EYZ9L!GO?L+[3(:0PQ)9W M'/8+%;.N;&R7FA11=[*,<^&`8.92V211W4B0A-Q$VA/:OL;QSW<$^$@GZ)O- M_C$`U*N.>U5]A5>`:$`&K'.6$:T'AR00:YE*T?7`B M#B&-D5CZ'#F(\EWO3YC5SP^WH^\-7U0$"EA2934!I#2VR#E675`"Y+[\G]#C M@C@Q#7;*EZ`]@_8TZJ2619%&Q2S.<7^W>;O=+#Y^W!U.;J5K]L6;^BT\ M\\2*()1V%@1'P1I=^3*=TYETGM![A!'O"P-))4L+*NO@/:0O_+IXW"\/*XV6 MB^^/VUVJ@/>X7\<[3AI47).75*!6G1122R3`!\F]Q`&PLTI5:U)G%WN>T+.$ M$?2?/D6012RW^KA+DUMO-A6K'R[L8=<;%%P3P>)U)1@/(=ZNI7&5,0"!RXUD MFM!#A!$(TQ7<6>1XM]I]3!*)6E1;FC1H6E`@C"H&Q&CA+4HV)%'.0#(Z@[1, M(Q"F>^!'TB]^-8`_G;O)0'1HZ<:M[Z\@`0<)*`A#=1"6<\*>'$0:LF,Q)Y0X M:3+J0N?BF(*[X]=)W>#N^+6S`G$N),(@!-6,>0S*DA(1H?+?BD[(6SP9@G8K MBZSSMU0_XF3CXH@[^WV\)<9!?ECN+NF9C=H506K'"`6*M==2,TEUY4@4\2S( MY='O[=SH&/:\2/14D.V';S=Q8A??8%[X>.$P0TAA\$H%P90CAI,GS0/97(+\ MMIZ)#M$>XJ`[CO3I945Z'A2UTX\/V\?D4(ECOG;YJF]<&!Z12ZX8K(-60G#. M*_AL,-EOK7Y[AT/GV`_!MC*RX-E3GMWVZVI7DU3C6K/"$*H4L8)H2K6/6C(6 M55"_=3:;8;^]Z;]#U`J"U5J&;=^3,OBL+OV^KY!ZX(@C710+*XC M'@(A'M/*>4&"R'YD_X]5OG/P;["]W]V7U[B[C:FQ0C1I5F##O162"BLTQLIH M;E!U&=0LFS;_&-B[0SV++RUY4V&<$ M?G2#]NT^O"BK50I*6D:$+EQSZAL5X./4C8GC=3@.EV+WY'E$WF2K:;^W";U+ MS`?(_O0,F+>K_<_`G`#Y\_#ERV+W/2\?5+\1%=6`K^2+:MU'@55@"F1P0GFC MK2>RK"TA,7!1^ZQF)`QNF7O!,?8>,%@6EY(=CUAD7PVD@DO$.&$!8P M4\A7&#(Y@WCXX7C5*=03B_],KI)X3GWO)LBS[*T(1NNHWC'B4MT)[9UVH<3$ M29%;!&1"!NGAZ-<__D-P\OH5\*_=>K^ZN[^_FJ"N60^%=30BJRC0X"1"B&-: MS5T[GKOU3GR MYC?+5\ZSKA$?7)%+R?E:*FI33]QK@7$3U[2->KBP#JS5IVKO1`#%I/:Y6X_K M^I@*\<-NL4S3.3O1R@D^/MF;4VYE&X?QG[JUWK:_@D*D7(A_>`XL:+`DD!(; M%41V[-ETSIB!N//2/M"S-`;?&^[N7S;SS#/?MT$A1#D`$\(+80+8P,[",(&K MVER];1F#\7 MLWSW*8]!5*4))OCF!*A0P6'J@A:>I@IJ)4KQUS/*XM8[C[K,[=U.+$.0MXO< MWD@X%@]T@XPDP1'FXU%7S@H'\4]N[Y;";Y+;NQWF>=&N7>9=1E90"I0BI3@A M07E"J^6&+)O1AG2;N!KF76X'9UY:OL/#?GW?5/0O?SH55,0(>124`"^\\:JZ MZAOLY^37Z$[LG4`YQ-DQ=#9_1ZBSADAJ,/5,4CZP3,O6.\#`< MVYS2GB;5_NHV5-.B4`P'9;P(QS0"P+$PY99IO4*YZ:`FZ&?HF#U=P#GL=I3& MF9?Y7V)OK+9!$JL1PP1K7-[1+!`SF*/@U9'D9BR'VDP.<:`-^?'SAPO,G:-2 M4V$54UR'(!V4,PHVFQT3BD7O;0NY"R/!NG-FW9QW#N#]`9S M$P]:IS5EKIR]4B0W+?4$;\6C6F>Z$\&8'O!_[;:/C[#8[;ZG)XU?TO0R?.$O M]%(PZJV73@?!!/7>*8-XM4$#G4$!R_YHT=`A?COL-^:6N;M/0TN;^"7-_:7/ M%@*LC[HF00&"TX:GLK_E&*T#/Y\=JC=J=`7NL%;@O];[SV^^?#WLG_*RO=NM MOJP/7QI9A2\W+X)F-I[L2!LK>"JE0GB%7_S+C+3WWG>;'O`>@F7_WBR^;'?[ M4^WOQ28I#>MCNH\4-[!;?XJ7@23P+K^F8,IA M0ZS"%H6X3IG@O%JKR,O<4G`3M!KTSMH1Y3*#"$:-`_&"!LM#G#+P@*M+0U2N M+A9O4IO=?Z\/KIV#7F8W+L[6K_?O4U+I?5,EM#^*6/(F#C@W;. M$9!(`1=>5@8<`2HW:FZ"YH[1R'8KZ/-(\D!5P-IC+U6$-ECOC:P6FK?9N2HG M]%A_6*)U"O?@\9='"]#E"*1LKFPIRW!2Y*K&DS(F#?V M-CV>M(9=!2]-*4[DAP1"&61OWVTA`K8B)6ZG"#E`P0CJ2I0HV!F8^L;F=.]" M&9*ZC\=BG)Q[PZKFR["C?LH/$<R6U9]7Z M)"K7+CTA&^$X7.Q+`D,PL$S5?A,%FW=28!2D<(0&P862&`?GJDN^`)'[1'-" MYL-Q.-B;"(8@X8?=]A"'N'2KO_?O5Z<0YL,N3N)6(\%M'1?**JTP!%W MQG&G2J0PDKEA$+-)/)I+UD'%,KQ-_.+L.LU*\$-9E@_;DW6PQB1^K4UAE(E2 M$XAX3STC0A%SUCRE!*EJ:^J,H'U>AKIYBH'VW181)1.4Y2[NEBP0<,:H$BGK M<6[UT:D9OKMA2QL-LUO@?]>$`E0:F2U8!JK5S*>TS\0X+`AR?O=1I,S`HNQS;]!@WC/";9!5HA_GX604T M-T1[1`!CHY%SR+!J\HS:7.O#!#ERF[@:9A5H!^<D?XM;P;M@JT93A$S55"P,1;6YW[G-K<]S(3\H?VS)ML M+(=@2%T!TS\:/`YMW$=AJ"4A+HV@()7H54R)\`2FFT$@R:A7[;X$,04BE@6: M8+LY:M2/Y`9&_MI9(:VEUDGN/(]K'"3"E%2(>#Z#9(@]LJ0E#V^&?PJ$?+?[ MX>_O?ZGT?`M!ZSLO*-62<`Z,@22,6.U*]VR\T3H]HY?VXQ.V3S#2+X7;W0/M!XAC+EO0%'F4QEA4J44)`S M\O?T09TN?<[M)/%:?,X&8P<2(R884]P'+Y0O9\7B).?#KV&$W\3GW`[S\7W. M0A-"%-42/".&``=#JLGC['>>$^3(;>)JZ'-N!V>6^#O)9,^]1H!45/Y!1DT. M@Y&L'">V]36O7X\EL3NQ=P+E',,,I';(4C!,."LU<2:84"+@6?8]9H(VO4[( MU#O"PW"LJTSVG%))(*X@&?418IT+LMHRJ31SSV2?SYXNX'PM$2F&0A#<$2Z9 MTCJ564P6(.-9U8"+F=DAY-L4) MWI<',-4,(8+)4//)\7#*"'$K-7_NK_!$>.$4PJG^'C*<.JDK7,#.R,K3,V]R M6'JC-'IV>MW=WZ\_KM[MME]7N_WZF*+1_]]A_?4X\E/9^+8NL(ZR.IR&]/W= MP^*8ZZ<:U1776..V!?7.1RT\L"@#;;S4BIP?WG&BG*JU:0T\YW8EX]MTDYY` M*.0Y$CRJB81Z;\\5T"(2EN,9Y!_L@14_YZ[H#_!QEW_-/^>YR%_#_@`^'@9* M>!O9(#RBX.&LS;/3M)K\X@^9.\NM=%-;K0``XE_&6CUC@YEQP-2+@ MP.5&X;W*?:$Q&RZZPSL%>Y"D2I<&;+\W\'DW:%TX[Q!E%+A5#"``LR#+.4-@ M,W(K=4^#IN=/-MRC4JR1.[M!ZT(H'P@CCFL:!(X3Y.(P(XIURH"F[,I& M>@AV_;'8+&L-A4\?*G2`J(?1],Y$$8>0)5A4Z'@V(QVY4WG^G(T_%]`A*&$/ M$9=4EFZS+']\\^7K;OMME69?[YYJU+[@5C`?@&I%01@>-7R!RWE3/Z<7.'T2 MJ0^L!]EV4C3EY^W#LA6SKK0J-%BNM$[AT$A$M335LJCF:+.3_4W0==[KQM09 MPH.8C0^[S7I_V*V.,6K_33_5D^ARHY1CCJ0'DR2N$2P-]X[32H&!.15UZY-# MG0$\ZNVZB0>LOG'!'+%...E%2!6MJ?/25L<[HC,ZYL93WW+1'I5?QPK`.=PZ M-BRH!N-MO#.:M*(H4Y96U\;DOOX-[N$98F_*J!R,!WI[NEMYH+BDWMC+A!`RYSKKV MNL!VOWAXK9SK$.%)>^>RR@J^!N<<1EIBI+@GSG!@$"E0NFD56$$GYKR_R67_ MK.R!HD8S[!PQ0)6D5!%7S1J1&:4BZI`!C4W9F3!/>P.(DYJSBYX:`"8L23GS M%=&8G^,H#'7*U\9[]S/GY[>8*]-[_K'"4F.X)LA0Z[RP(*2%Q M5+>=`=KW&MY]6FS.]]>6R_#2Z\YG/=8EBGCILT6*ZF>@,0U!:T,4,N*4=H,H M+^)N-\[2>3[4%'>^?5@O%V(RI,IMUV$7-=?53CK)=4R,DXX M+@V8H'2)J%0D-QWJA)9P!VS:3DH(`R[[3E/)W+SZ02*A"2A$*"(X,$O0.?[8 M:\EL;3ZL_IZ`;3=_[J,@__P6<076A0I*1%'2'OJ`136*M*Q MG!\E4*L>O.:UV%BV+[P"NQW+H9X*GD?Z;K&[VQVWA.7_+!X.JW>KW7'PS3AS MJ76A"">2@C&`(:K]3DOARCE;E+V73\BST2M_.L)U(!/=Q]5J^1@B,HGP*3'2 M,?_LMZ1/_?V0TMN=!':`_? M/`K$BT@G\]_^^_O5MX3Z:3?^^K"^QJ4&K0NGA4:&*2.U MD.`51V>_8)PSBO_/Y-+4JB-WRJ7N<1U8%SP=XW>'_>-^L4G1PFT,!\^:%1ZH MC_I(U'.Y54@BQ#FN;HVXWCIR@3U3*U?RI"-PS&]40K21E$+BBY[>_:0EAE[LUZ3F3JU^,1^?;W?[SU:CN M^L91:P%LC(Z;L1***B]`R7+&'OGLD$GTV](J!]>!LF`EOA^=(L^VV[,-9+7$ M5T^]FK:%YU'9)1B4CQ,F3,3_*B@%1=F&\YE;SKN%=3@:O6`S>VX,^??7HUON M/+E:8K7JK8`@F"/!.\8$X4'*\@E&NA1XEDVUF1O9^P;Z.ODN."3?K3;IJ[X^ M+#:+Y?\>3EF/+GDD7_QPX7#*2<<"4@IK38WF1%1G-J#L")A9VL,[P[%O#W@Z M1*-J$/OXG$;[;?5F$__Q6&LB_7J[28[\N_MG,>#7FG3K1+_R1;5.]09MBX`- MD3:JR@X;"#X0>:Y<2()FI+Z8>^_/+*[.XEM$.D4/A^WNS\7#ZL_5QWA%.D88 M5EP[AA]^6/RWV8N+KKZMH,10CR7G2@:!XP\8JQ)7K%&NH7!R5Y1..7;YT<5( M6A9*]"S+SH4SN=M0GZP>21@#OXZ[?D+> MKS>KI5UMX@_[\PW!;$YM4NVUW6J_WAWCYU(`[F-W6WCN-Q>>$)-2ZQ&#A4#< MI\J!9ZQ-2NPPESB("6SG`\EH+!7"L.`!0%LI%(U:3ORS&B4867OANCD68JA7 MF?T1JC-TQS[>KY*[7`")XYV=]C=\8V&P#(@;[P1XS+7`@?H2VQ12/9?0BK$. M_^%D,Z&[0'=G^],Y`$P%::P`(X`KBC37)19&\5PC3>L8C?ZCS29P6F>B/O;. M>^,V6LTZ*I#!8:&TY-H:RE7*RGR>=8I!F$L,QUA[8B;0(UH,Q\M$7STZNKL_ M#2>>)"\,LL&CUI8]%48#(]H(BK!AA"5;[CFI!<+!,3':2YV?1YR$T^3=75W3 M@F@DE>'*"N\-!Z?P_Y-WK=UIY$C[+^E^^:CK;L[)KKV)]YV/.@QN.YPAD.62 M&?_[5\)T>V(;:$2W:/"')`YNB=93CTI54JE*DWK$!MO<2E\#VM[KG0MO8W.Z MA/R,&F#?[])P[D:/F8<$EZXG&##:<.0Z)].4F=<97^4HVGH^5R\C`9CYK;"+T>\5_ZZLVQPZD& M$%&>1[H9#6K+CCN-W9EJ41TCXQ>^;H1]8SYM%?O-PXMJ/U'-G?2=P6F2R@\" M82C%2CMC':HQ9@+W[U?\>CHP*%77FG]'J+J2TCKWDG]XK*T5?^]SY.@W"5HH MR6AT#[$$"'%(N,"U+*SWN6GGKL!$.,^\Z5N")6;3ZU&V-!',>I'D^!RHWV*J M=/DU`7ME$))4"B<()4()W$@;2YYK*@\H4J'T/#BC>,YH'Y\Q*^L935QNM./. M"'N$@0$``ARL/]$3'DUB_Y;^R49V;?:Y3^PY*&<5HE)#`)F-&EN1 M.K5QG%L.7U'ALMZ8M+,48PF)G&,1O5FO6@VN-8F[^8*PJ:H#.8(X`HB4VI2> MVR+'<7:!X6LP(#.Y?!;!]+QD;FNROU-1O=-['Y_GT3)^Z3N5%YA.YW^FS"S1 M(4V_C1]M:D4E'5`=O`N2VU]`7$H2W5H-)%&**N?(,_C0,@<.WV/H>T5\1Q#+ MK8S:EQ@^U$GP#N&4[Y<#9"&+GCY4HD8!`W(MMSGZ9\G.U:YC$12*<)NO9ZOG MB(\-=)MZ6V_&H9]>?FY1D_B4;@/5B!"/D!(*.RN\I-N*.1$E*5EN/-*`B-HG M==Z&P)621"%#[&\O>;!P\7N/!RR(%\@C;52&_M9A. MQ3SK7L/-K+J;^_EZX4??)].GS7!WUG$\T")0[VFJI M!\B1T\0U[P/.+/'_:SU=31[:BO[]IX/C@$A(M%(2`BJ]9'7:+3^=?J,7F3!PN_MN\D&I0IIR3V MW$$M+14"&U`C@+VZ@OMVG9*I=X0+97N)[L1ZO''+]ZJA`RU"7'2%UXA"C;VF M*?K`980[9D\7<)951^D]CU`\+X\'!:P1V#O%B15,6"3J=$>6 MIVI]EW^=K6<5DXUE*66RCB_:DA^O'P[(2VLQMQJA5+\M#D["AO-:Y;)C0(E^ M>U,A)R%9@AOO>''QIR2A^T^SG]5S',-V!^%SBRKD6?T%$!%F6$5>*,T`8 M;A9@C*XIIK7_K9H2(A@,-3&XFU-I1T\U=J=R\TV'(56GM,YY`RR*/WBKI6L\ M$(T.WNBZ'!^^9^;D\/14<0R&J"P.1'1)U#<=!LJC!#2"A#D,L$00Z#\1Y:AW%$!J7 MAB$9;DPD3;(3V@YPMV.`).Y6.(.A=$?4;5`P\5WBXA.M=^F=AAA:TWAXD-OK MV5(9($7SA#`8*FXC84^EXK:;P"4###-)&18"1X<2F&:S`3MW11LW`Z1BGA!* M4/%5\,J_JWV$>_MP4$I1+27GV&#.F#6.T'I$R&9?(!G@CD]96IT,=<\1??]9 MCQ81\^E34[W9CE:C\Z5Q>?]]6@2[[V\8HLOH,71&L;0/9ZSRVQ);2'J#_9F2 MM+Q]Z4^SA_GB^T:4;:)_VW40-.1,:*6)M!#&!90(+NK14^W0]6QH=$6#>0&< MSS*UTZ?-AZ/ZTS/>=^EKQ@/`K">8::V)H0YC+=3VKA'F_G"VYKYC=_=3ZO@[ M+$?T%X"2EACM!0($4^48V!:OC-@0IK-K$5V'.@*WS'V<93V-7M*G'&31GE8!Q44\Y8`#D$/-I-+6BGJ,$+/VM-G^X<<"648XTYE`XSQ`34C4CCO,M MN_SE@%F3(>YYS[B69)+[ZTU)P#;Y`2B!@K'6_T+R(\=Z.] MO68Y1P;#[EB2!V-)2CR3=_N>^T]9=S4)7D%FH55:0PJ==Y9S58_.`)!+D@$& M//5`D1/1+,&5V\7\YR2E_WLW;<0>QNQO&+B7U&J)N2,4:NH0>5&4R-'#0(+2YB)QK^BA%OI&02-`\"R$R`.,#RH M0XZ<"F-A6APV2]X^'!C%4#J)&584,D2P,8V:]`CG+CH##/#IAQAY.)8Q39[3 MAOVU?<5M>MF]ELF[+8(TB&B+K2/,*>ZPM7I;1\]*I4CNL?"`ZGGU8IAT`681 M%5*M_E;=8[5:3'Y?KS8GU/-(]/%\MHH(QF]]K&VM?1KFV+X"(-8"K:+V=,9K MCJRCM4J5GIC3J&^82M&L\_9>1["'6.T\'2;S2!FJOM8DVOM':\68J MH<,'\3NH(Z^:.J<#68(<;K2(2^SC\K9:?/T6(=*CY62\AQ[O/I_2>5`"".40 M>2\YI(@WXX(2YEXA@N"J&=(%EN?@B)U,UZOJ_@B6;%L$9)@1$AGM@:4J_@5L MLR9+X;,3N%WW'FXW:`XHG&T(=0C["GOU2L89JZF)[(VG:NP7HWWGK/=7JA0!>>,$T5]&1PII[!.HW%09AGM'>3:G$SJSY742JCQ\J,?DQ6H^F>4;[?(%AGF57.*$<444H: MZV0].@^G$G:E9CG/>!:PLK:ONB7R?*/:`A6]ZTI\[I%X`YZZ(50*?FK MU@C;[199@@IEEW$;9'A%GYPY$=C]I-FQKM_-XQ>UX,#NAP../@.4%GLMM76( M,^YQ_988@*V M[RMHQS!F0!@')1<:*68:/#3)SH,TR./DDDYF9Y`/DH)W\_3L;]7D\=NJNF]K M"I[6?V#`0D*=,!8X;Y5VCC>X>9#M$`_R^'H85.U`#-WMGARE$'.Z"8`)1HC$ MGB"(#?1:4MU,3`-SDW<-\_B[T)9+9W"7T(-=Z[V\"2:-A(IH*S6)MC#T3IH& M_%03[*I.UWM1="5P+Q*Q\=>X6BZ//H/:URP0Y`74$AFBI<1*:;3-K974MR"Y MVRKPXQPK=`CON4G4?C?OB%Z"A\CR./*XJJ.DU1T$C6('7F2'!UW_T47_:&?9 M8\^O<]#KWF6'M6P>D(;.":X1%-8X931%S6$NUC"[0/+U'TCT"'.?A/E1+<9) M8(_O7<+)ZRAH3;D$R*?R`5I9)^,`_[9KG:U\KO_\(P(Q]K8+,N4M MCDS'U'EN`8!ZF\(_CM-BFYV_Z_I/!_K`]^P\.M(5/+JO8*AE3#'J%0>6&0>Y M:XY$XB?9B<"N_XR@%.;E.-A6=]5S26&(G8402YR<5R;,-J0\_H]1S7.Y\W&V M]4_!\WQQ&Z=&9[SV+81$@GD6%W=*%!%<>=[H9.5\=FSYA]MS[Q3G3HZ_VYE& M;9O&$7A/5!P"37&X1*5#^V;S#*OLK'$?9.^\>XC[(LFJG=US2G>!1?N/4VL$ M8PAY#:.R;2*/TD6I7#)=_PYX0=C/>##=S?'SNQ:@$-P`@XW$S"C'HC,+F@AA M3'@V]3[.]GA_:!<\`LP[Z'O_O%P8)`D#''J!+9`4B<9VU,KE7JI&'VY^OO_2+X4O6M45:MM'4$Q8G(YD(A``&XXQ M(#4&D>79AU\7-Z];D^%-FRME1XL`J.(PKB9.<$"QEX`!5H\/ M692;2?+RYG5K0;^V_CH!MHCO\/*FMZ/%S6*3.^;^_T;3=57G?&E'H%VM`\?& M2\P1L-$B49!K8TP]9JY1MO7W$+^;BJ[I<^HI%TX6@VKFX>_L;L/20Y MV#9@*9&"#*82-YIX[/3V)EX<;RJ\F,F=R_,O<[G3-<0?^Q:X1@`SNKDHKPUA ME#C0*&/J<:Y;='G17+ET+"N`CW-+@\69"CQ@2#BCXMI@O&8OZX++)>;E18-E MFV(%8,\Z!+T9CVU\H_%J\K/:!#^^GCM)9KN./%LU#MY2*Z(9@9"@C@BJ*<+U M*+0'N6<"EQ?:=2QY>L/X=*:\>_NM-55VM@[$0HZT=E)P+YTCS&I4CP-"G+N! M<'FA7*=SI2N0KR?`RV#)+8/1D='"0Q?5J7N9)!KDYIB[O/BN;LVKTV"^S'-N MA;"0B$+C(H*.`@'=-HTQ(9Z8[(N%EQ'S92D4B+GF<26 M^1IO0F1^//W'V7CO%_'SL>_7UU:S^^ZC`@H!0G$A#%490O0Q+R M&ADJ8:[)=H&WJ[OE8L?`EZ:D246,4EFC*-;-![<;B%OR;T?KH)&+^A]@:2W& M@D*HL*C'K+CZ0%>RNR!;-R@7#TC9%#V_KJ@3B95A1*MH21L277T.[5::0&+B M#UY7Z6FTXV_5_7KZ?%ST8SI)BNFWR>K;E^IQ/4UO\/3KIFG*:+C\;Q3#0D<1 M3F:/VP<3O5I%I_7Q?<%9::PQD!"@E0'64$1K;(%5V0O4Q:F,UB1[??H\`+'T MK636W[^/%D\W#U\GC[/)PV0\FJW4>#Q?SU*IM=OY=#*>'*UR=NS2MONN/3HE MHY?`4#1=B;%<8^&HMTJ2;70RA-RH@QY#3PIFW[NWTABM.@B<&06A`=@9(2+# M!*_ORT*(87ZNA.&H@%XY\5H?]`'Z(";X%4QTC927'E&AA/!"*^_J:#'CA-(' MXV7ZF>BI!N'RYN'5>S\]_]UFHK?K(*3T"!0K9:R@0'!*4%TFU3BG?&ZTT(5/ M]-:+R:K>AW9EQA]=Z-`K;900P8IUBXN MRYIRUN!G06ZZU0%MIY5D56=`EZ#2OM2_2*JV?UOH\4BHO"TG3TMU=R1W01E,0"``*$Y MM$XX@GF]Y'O)3788VX!"=(OINWZQ+W*KO'I,)\=Q(/-%SA%!J_;!6T:DL!9Y MJ4'T?0!$]6:U=T+F5FT;4M!N2:76!^AE<" MNUL%R86TT"$*`#*(*BIHK::]Q?GYT3_J<4!G4!>*?/Q1+59/M].$QNP^G6#\ M2!.CO?IJVT6`2&$/D-/1478,:H*TKDGK>1)Z/I\[V;W;\YZ'9V\P5!<(:)M5R3:*!& MVU0BUL'/28XBU1*\/E+-9JZ94J@=?/G[#F)UK/,?]WZV4/8ECT$ MSS"@EE%LE&+$"2QH,Y@W*?9..K]N]%?[&J$VI[Y+.7EJ7+BSV-3^D1'2 MPY[6]6ZA,!/`4.TQ)['*:1!K#^O%P"=+9C^I@V!LP)-4T-NZ7&P>ZZ<^>N>I M=PIAJ"!>$HDTL$%[MM`>!$6B4:J1?TZ=F+(IFR,"G<4J5JXWC3/BP_936?]6 MA;67VWV&6+2W=.N0YPY1.(6X8P@:H+G6Q%`J#R9FJ7%JY/^<>C1EM8I-@WO2 MD?1^M;WS9=E(=&<>2:?>*3CV"FL)F35(ZFA!9BTHWGB6FA$ZIZ9*V8ZD$8'. M8ZA?5G60WY;5_>_EW<-BL]GALJ/D_?\>-]O(W[;AECD6[6@1KE9NO" M,K:C)<(>&[TK];7KO2*`Q:ST`B+!@?+(&-$X@K&`BJ#.$W7(_+MED([7"DRY M0=8S0B3F#D!@L&]GCUAZ,9N9;<#QJ%A-!NZ%ME=2)9OYLV:&E=T'+O8LDAH=Q)YS0#G!,BTYQ[]0NWI1W M__J[^O++?;EL-G#XY>6^#7\J?CCV7EG)/YX)TAB&+(I&V@+I=K9UWM[;FSJ5>-@V0.Y>?8HO63^4&9^_"QN=O5M^6IRKTIPQ7:$,6\Y2JH@XX! M9+`#+2K.VBNH#3:`$ZKL`&>)_'TQV=<%25NM%LM3UI\^PQ1:"1WVJ60R[%N* MN03F@`+FU]1T<5HF>1DC/!T-D@S59B<\Q!Y^C[$JWFW]N-G"=^7JK[)N/H_= MWITO%D);2*'EUF#H(%20.7JX`("\`EUQ6J)6$Z*=QBOW)00=7/'\2"&9ES9V M&-4:$68`]<];1/KDBVI&'HN,]$_&-9G2,GY`B+H)_N.3A6+A2L:24N4`Q4!A MQ54[/PB3(WAFY#+(2_=!\)XOGO32B)YNUA^K>M7JIN7-MER])NF>?J%PEK(P M?6B05Y1Q(:*:L%\+Y38ULVU&1\1P6794")-.@]?9VC]&8X'[]GG7&CYF`M^L MOY2-"ZN?>?G42(5$Q&"+H*;:&X`Y9O+`[L@GESF9D10Q%H&[36D%T,5T>@7XQV%,<$0CFN!/>+==5 MO<.BF?E-@&*UW);WORWJ[3H0X=/R\RDOSEGO%^$&!,PXI8T6R#JN/6SO0D.9 MO8)^U1/=*E/`>R'O^Y_+\FUXWKFRS!,/P_4-G4:0P7UU7RPH8,,Z,DSG>?<, M^R'YLWC>(4906,4%T0YZ9;1W!U24 ML,GISO/AKP&<,(;GO1_`U^IY=S9<80!Z8AEGVH!PD]$6!2K3BX?,A\WR,,D0 MSWL_&LS-\^X(YTIQ*(*X18(:%J0M>+@`$+ZBV(UIB-K/\]X/[?S^6.<4D3K& M!W"D+-!AW?QPA`=5[.V;O3-RPU!X:(PU$`!:#+QAFDF$V.&$=#0UKWA& MENR\!$_#-9G2N)O2^T<*)*V3`'D4Y'JJC;=,R79&S)E4C]:,3-5Y*9V&:S*E M23>E]X\4+,C:V$,&F'#28L4\Q.V,!':IWJD9&:OS4CH-UV1*TZ"$\VYJ?_=8 M(9GP0CB%(46`^-AV>-^+5##H9:H;:D9FZ+P43\JBF^*B#=]43A)%XY*$ MB.4VW3XJ*,R((I]:GV]&YN&\U$[#-5TX/T,J;V>$J((`2A*X3EJ%.%6FG1%7 M,K79SHSJFV46QY-P3:4TZI;#VT<*1)RD6!NCO;+1VV5(NR2F%$FE](Q*C66E M="*NJ92^_1H6_E2MRTZ"OWBRL.&HL8P:QP%E#"DD36NABC%UJ72?4X^0K(0? MAN^\(Z`QD0X[S(FT&A(BO)*M]8`![J[`.#/?H)T2EH1X19#D/RV`@MO;=K\0(?4T'TCA\,R&ZESNKGOF\O#>+NGY: MKO]6JU@JJJFHW_NTZAJP<%IXS670RCCU07SW!!U4_+ M<>+[:GTW-C.>,681R`!YD$PDP=BI#J'KCP(?EQ_'AWS$2_2VVBX> M;M9?JH?UG_?&'F<5YAHO75*O5F]<_(Q3$M7TV+]^5D^>;SW>+;/"CX%66N4C3@='`7*I(M>,'#!99?AQX1Y;?F\GDR"Q MMZ\6"&(2@WZ`(@9R$2[^?6F=L`+K86J4S9P\-YF%]$1HNQ*T?OTE/OS78E.& M+_\'4$L#!!0````(`/F&W4;6H.(KPAX``*9Y`0`1`!P`8V%R=BTR,#$U,#,S M,2YX^7C_]/<7WT-/1`24LR];XP^C+428PUW*IE^V?KW?/KX_ MO;C8^OO?_ON_?OJ?[>U_G-Q=HC/N1#YA(3H5!(?$1<\TG*%O+@F^HXG@/OK& MQ7?ZA+>WDU(H_O42N)\#9T9\C'`8"OH8A>2<"_^,3'#DA5^V(O9[A#TZH<25 M4G@$F"QE*"2'6$Q)>(U]$LRQ0[YLS<)P_GEGY_GY^8.#A=3H$;/O'QSN[^R. MQ@>CO;WQ%I*ZLN`S)-OD]RC[OI3_Y5%X'[B8RIRCO1U(?L0!2;,SSECDZPNX MH=@)%W.R(S-MRUQ$4"&&0?MG.27V0,FRA'4MY!/=( ML"&!%*VU)0*#V)1$BE8KB>HLJ4*>[:XJ1.Z6=&&FYC8AQ MM(.%`W!+Y)QPF[S,/0;$ M^3#E3SL.CU@H%M!$[35IVW3ETC^VM#ZJW9D+/BVR M4AY^M%5*%B%>5_69"V*KCRP2R#%U.]L#"@\R!Z)RP'?L."(B[@4+B:09WA&' MR!'_HT"IZ;IQ_V]T??=P?[:)M=$8# MQ^-!)(C$Z&)4J(HIUJ;]D/"\\>?=E8YK0H1!<2]87]3OU>!2$HG6>I*KK0> MS0LN.ZB^7/(U17JS!O``_WI5_!,.M?#OC3[NC<8;@S]F.:"?UL@U#S>"<4RG M%LGQZ.-X-+)!\@=%M7]@>1Y_AKF5UY(QM+G[^Z.]$E0I M033A`@%)%-/L;ZMZPH7@S\2]XHPLEOYX("_A`YY:H]:8H@'`0XGA*H`I.:3H MK?X)]%&(IP.:A;JG;&KO>08Z9N1*KJ=%#F@.8*D:.9]YC]>+8_<)FJ!AK+W8MEN*\K M;(CD#S61_"H2/0W03U4-G\B&@8OY!7-NL9`*G7)_CMGBAGD+8P9+/]H4PWKG M&Q]IG"^FC!+2,O)W/FS'U%%"'@']QOEZZKWK(VCK\AOC6-].C(\T[<3&C69H M:/00+7VXEZJJ;3W!S>04![-S.0*TCJXVQ[(^"!L?:<8\3>UAY5LN!>(3!'(@ M$*2_,5M[$,\IDZ4H]DXYSKO4%W1=Z2HGDS]AH7`+%S9N\MCQEK85]FK#($ZR1B'D/_JP'+!+.3&UA^CTB0;AA:]`3-\-? M#M1-\"><)-J*U8"V+A@F+^$YG+((]FAE638`I8F#`>$].X2+W++9+V#X8YYS`']ELON6!XK;^FB721K@'5O! MFT^&I_0'+"LJ/IX6GI&02M$WT"2;&)AP/E#3F*UQ1LOL!MAC5&[F1"CI-H!P M@98!S%TKI\WI]@XU05P:WM'@^ZW@$^H1M6N=8>]G@=T6LQN-R!EV'FK'-XHP M`LHH(8U2VD@1[^^XYHS,H0D*3N'HUD0V/B&1OI)^A>YK-+H15US8XVE/VH#M M)\WD5$H.%;F`6V8)_RLY_14\F@OD2V8#UNE_CUE^=`6JK37")H)F7$OK0AE\ MV0^8F:#IL1BA8.X]DFEM?WV9RS$!N6$Y(BVA-%(T8UE:_LD@S$XU)=21#'RR MQ-Z#>87#2%`X0"N'E7EKEC>9K4%M3-D,;FEZ.,,O9Z)&JCF;I=:X]RA;KN,M M%ZM?M!M]TBS:Y37?S_6Y5'_;32\KY>JWL8P^:;:QY#7?TSTIZ4U[,BSXRD(: M+B[8A`M?"9:F60#2A%H=3*-L.B:[`K#P$\*+F"XJ$,[2^X;=5RP8G*B#N<5; M(F")B+/[&1:D.6(U-`R[#T::ABREELYW2HHH)HD4S9XCI.K`.D*H(V)821QI MHG8=1HIF?_M]70W;]D4U-.K[I?%(TR_5@-33CNJK/_?X@I`3PB1AZ&'40BBL MMLAABI+OUL,L.';""`N*O>,@B/RYFO0[YP+2DJ+V,?HK\#8X[IYF&B65`B6T M5'>H!$%%29`2!66RH((PZAH$2$]I]#C8;PIJ37IRO\'K&90%;[-!':YG4(9, MZ5T,@T4U1?75S<;"-LI10AO;&+`W0E,8M]R1*19P"[K*>1.WT*]F$TT9FVVE MM'9C9RO%D9M()4&!RLZ3;FHP(P.:UR24(2'E+G5N8:<)3P.,5[,?(T>SX93F M)>T,1TJ`4A%0(D-6J812X'FL1C(!SD0+HQYAJ;!@.,?$G^TBS5*ZY1V MMA$GW`R&T`PCZSDO.[J&>;`]W3R872_1T[FQ]7WGD:)S9&P;>"M*1N: M^`--$V\-\M#(:["X8=*DKG'JW4_"%GNAG`EANW"G\NJ(2Z\NV$/E;9T/3QPLJRT MRR&EHY[_Z#,:ZB3Z`WZQ:>Z*A>K#BI'NWNSD]+LJW^/ZAJE*SDCA4D[Y.3E? M8^\7=G0-'J.[-+:(&LIY%"[SE$G9^:#!H>`0W80(V<;(/^(YR6/F7E+\2#UU MV&8=C!N2-L-<&H(OP9RR4=`F\ZHPUUY@-2#]`C?]9#];[_YK1LZ,:&GLO83H MTA_#[KPBB#)"XS*Z]JB2"AHR)R3N.7&)@&@^R0?'8Q_XU\E$IM*G],LZ:&^" MK]DL2LLG2Y:P+`-*A4")%&GF4#8#<(`7A1QEHJC&`809K.C%_HKF)( M]ZC$$I9]'0]>J&>U84Q\#V,MU3O9X*`I;0AN=3N8HHW><*];2P4&,ZQ>,G!]<5&#.3/-]&(+9E9L9?,ZVFPS]GC+SX!7)HE"?0 MD3^EBWY!P2`S1.E[>B)IQ36E<&OJIE^35]*AZ%R5Y4W[P M\11!F.DB]`FZJFL2'GL>?X8'I&7``:EQ==U'OH^%?43?DKYYY;#DR?&"8<[J MK^H(6L9-':97EI#@GW`&%/ MAS":FA4\DK_<,_(8WA'8Y^7`5`UKL:;8AKC9%X^:(9JR0L`++3/KKR]>M&=>XKIHIQPO-*0DBX$,P."*W5N2+9VPLVP,_BL;E=I(QM(,LWK#65P M]C;8V09.&^%F"+)TY^=L#,70HO0T,%L3.?+R1SL:YC+I`9;!\(6O>4Y;*& M?F^LZ_>6<.AKUQ7.U*7=NO<-BZ<#CATG\D%@R:BFB+U/O0[_>K<<[^K<$LC6 M/KZX?)*A(%&#LOWU\QJT;$?+1E+UO>%X5]<;FJ'KZ3BYIK;KTEJ?:M@40[/O MEQ;JS$9@SA$.)R3J4+HCZ2U+CA(T.!?91."F$VL/&8R&E!),#21D@W] MS/JV9QU?FFG5QYOC75V\:0:OIT'H+0["LX@D=Q:P:;X\9.WY9E+FY8_2?:)` M%+D109.4;&$UN;\N]W\1%B$1WB*[;.(,A]@RJ*LC8@CG#C7A7$:N<`,&$.QK M%*>O7OB:?<3I5]MFL@5M0[-YJ&DV*Q%-&:&<4P)U3YO1:CS*7ZT;UC;$#6'2 MH6847HNVWK&'YM>,2.M!V3I,S/"7HF1[^--KX7H\[%+7&<^XYQ(1P/I*BU-N MU20,(.HFN(O$_H)B<@,Z>=5:1DA5!`S1D6[I1X],/R.CO$]IH9082JD-N(2M MSIX;Z!AZN$^:'JX:H][V(/?3SDO@?L;S.643KKXE7QCCL0KQ1_A&//7(`,*/@;KU MYLM6*"*RI<`&T/YU/!H=':5U"1?871'_D8@MQ+!/OFQ5)U-/7962$@PBR8&& M$;#_6?!H_F7KY5%X]#,-B;^%0BG^ERW&&8O\SRZ':WDN9`)HM87BC/$5/0\J MHQN)9._HCHTNXW&M+I7)G=3EZ.B@\#(%.C3_49NFB3D?2\L>CLDN4O[^= M]+FT<&*7N%E@&5^W?C[S'C.YZW*TT2#^XG,FPTNQ6%7A$7MPV8(43Q"7ACK- M*`M"S,(VBMU'CQR>@H>-Y75-@ECWI]6]KALDKY'J?CI$2%[MJ, M[=66)"B;;MQ03(+MY<^F&SI(?-LC8`3])O= M8YA<6`N'22?2/L_A9OF9%&PZ>R#LGP2+X!NATYEL3X]EERYAA=X\JX!7(=W* M%:0?R*J!<45=C37KB&RTNF&I4J#?1BNL,>EW56&;-JL_ARUMH#;>>06H%[JE MR0.8FZ@-,[TWJIK*?N="\&?B7LE89%'2H"+Q[?O^6#))ZI+Z-(0C43`,O)G$+SDMRU^3 MZQ4]I1TY97RS]?2A;MY"+Q8.( M@G"LFV-MDK&#,S"G.)B=>_P9!%=9&^!I4>+M_?#431^&T`]^:]+?=&!8C9A+ MQJ,5VUOZU$4KDP+NE67>Z[K,^V69][LN\\'XX_A36>[ESQV5_;`L]V'793Z" M?XW'NV712RE=U4`C>L=EWBVW@+M=;P$?GF6.A0Q42Z*74SJPVG'J!K"4-![! M_ZKZSKHL'>T^X>XT=2,`N9F1XS<^^`6#*ZBA5/`+\=Q,M18%.[>1N$3 M<=T)%\F78U=^PLZBL?ZU)+J[R6-5KQM&5C6KJ@)]UG>M:LCA2[8ZL30IV[YX MU]8U3CD+N$==V)23S=?Q2=+34%8^?RF-.IS%*YY?F4O<*RR>[/NINAM).K[E;K-FMP;=MP_HSHCL262S31G+'EQ1[ZVD6M=EZ.XX MXXQ,B)!=Y`-^45W/&0P9I'W')5/-:O.\A7*-^NY5N:_E&"A_E967N M=Z/O;22]2EID?ECZV/W_*'Z^M$IK0YEWH_L=<2.GSHB+&=Z-5M\$A0DW>,L6 MA-L[W*U23YOS_31#@>P1OI-0/=V;&^`-^V427"XWNM;EW@W80=)?LJG:F8N% M@%#W&0LW.)5A;V45&(O]&6K@G,@!0#[,;%6R\_40XA<,VCR#,_/)),B<^38> MY:VJWZ3`6VT#*FB7KH'@1^KE%QF4ILB:9.SFA.49=]0\,SSM`V>[%Q=,FI\? M3\.N1,L-\W9O^/`5"P:/0(*'W:H[F:5;W,^P*!UU:92S\PHV4:TS2N5*O#A$ M/==1/Q.9Z=,X>W?G[!KJD#1H>$HLE5\JV+5YNG-,11S^J'X0EK_RYO-*#E`C M`1Z79(GXNW%:Y_+JZ3U63JX)203.,%& MNU1FRM2]!CB3^":?=RLLXE8J:,S^]LUR)BO8?5>3]^J:MD4IVFN>O1O+HROR7G$13F67<,K%_'@29,#E5_]4 M*-JH8&>'*HDRUZK"L%=4AL>UV*@RVI3O;ITP'^_=N;=8A`LUZR#C"B]RB:L. M9:0M4SXSGM6%?;GN>O_/LIF2P"8[38X]CS\#W0KG;YR[&[[_,W\B@JD'6U<, M5[;1#D_FQNLM?TT:G;5^R3T(KLGS&?$QK3JY#<94#3#&[:+/?#T M=,<&SUZ_!N&WWCACH=-F:^C/4"UKUT1WE0\ULJO6X*ZX7[.H;>,2'6\ZC'K$ M.U2M5,^*=#<$N/#G&':W'3/WFK-;(F!>4XZ>'ERQM(C3(%_WE522PGGU^SEQ M8(MU(9:![=;NJK9-"G2MDZ\N3NC?94)AVOR-3#!=030MW M4VKT:IR_D\K*,46U\*53+#8%WI^Z2Y.?33-W8)*SH.#2#6HW;.E,3FFXU3Q[ M-]?7+M@3B9?V\]ZQ[)^U>;IGI/%D\VGRSFRZ%;AX-*DV1P>.)N6JT-\CV/\' M`U@?]A%570#8).,:L:M:CEL[>(6>^H[,DYU1KH]=\FW&\P:C)KUS<4NU]4$X M4KB$D+G9+`Q<`2=3814(-CC&D>>JNZU1OGNN>(69'#M!'JD1G\:7G)>O>C9G MZ\"!NBO\`F=L9'0I*\M16W)EF_S`3\C/0YZW7R^*!8Q'#;*-#,COD4SW%F=D@B.O,+QHDK%KPXJ" MEO$,Z+T<"%%XRSD_S`FM1JZC*5MW-R>DLL/6<"<_`[BJ6CFY2?A(Y#"//&$O2F;IDTXM5<>N2&<][S_=75]O MFS`0_TA;]S)-VDN;+=.DMD1-MW>:F`0)<&1,JNS3SV<,V,8&DRSENK$\YIX(?;GG8X[F`&=%J3!?JTSAL7<+>0JN(4D MT0ZD[S&ZU=A!ROEF24CM=O&$VT9H<`39'BO8&*+DX46ZR? M'FC!]^W^.97I_'D4^OZ@:3$-9&>C]L6VL8W08H'4N&^CIHY&=K3KH?&3G0\D M%=KICK!_A84F,;3$%@/^*@:\:@<\$P.>BV^*RV\J=WR($SFO-W5A6X>269:M M'>*2;RORY>,V/I64@;1"&"$@S)+0N6R@H4Q7G=7I,+D0,0-OPR%F]9V)#E@. MHIFG*MILOJ4,TON/1":I@F\(`GXJ1_4)/NX&2RCQ[*4!AJ`4)+-2;_VPAJCG MQY6X>GK^C%Z+SG`;H4'7O14:F],EK=C2I^D/4B#0]J,#*199G.;E'=FEA4QB MSG3=?H@`K2:OKE)CTC!^H%N2":.DRK7814\=G,:",R00L5U9_C\ MCA'?R_*8`R-[,*J.2D4'S:X'*HQV?M>5%+0),!G2:S_BM:>DI$9>@C3R#2#. MQWBM7BFS%A4;S%,,)<:V(7H7F=%DNEXS;4ZMO<@":>=?9"M20)RZ"T,]@>.W MY'>G!835"`/-U=.W^DQ>'%X"Y7PZB$\E[G4W\#W$NS15G>XCX?77]H/&V3-= M$QXER4J8(RF'F*9F?DUAF%T/5L(*HQ_4]3I\70>U+3AN"F3R/Z86WR3 M`(OT4C3[//8\FSMO=-666MI7QM0WE56T-/U?*Y`\[=I^7/("O."[XW@*3S&)@JMB+%O1`BHWTK+6``XD1J^XL/0K3<)7%&_G$E_,8 M0(=[4@>EU^\+OUGSS[(B*Q2ZCWE^U7F"X/=QR3^=#=O@1H];=M'3;D76RM7. M8T5W"HWUT+FL^&,&?0\7H[)]!+,/WO&;=51HE]D[7;T M36'`X=W3_,ZY$!7TG@7M>K;Z'V/S1CL0-0Z(JM3]#O>D+%V)36?PX5657&#< M;I@&3L3N:;'K8LL7O>%_')@V*'/Y".FO>E?KR`W/7AD7C-30J_Z#D4H$G.-Y M(Z.SXAT)J#"I[XY0E8\M4-<3Q-M$OV1\J+M..#E./6VH#!M;R74GM&7OJ(8< M4<7A2X6`ZY(R,/1:)!,8$#L(>L9M659D*Q=8Z8-JT5RSABQLH[#D4Y5PVE3< M\MOB)`^![\76!VN<#6_:BXW%T5=&;U083H[.PE]7>2X&,DK6Z:Z058`%[ZX_ MD'NDH[Q\,M?\.])(0OXU$O&O?*!K`7:[%]2>$6(XX0)I\:Y(&=I0VDF'ROH1 MK\[BS-`V8+QMD^D+OSQGOKFZSF_IO1%P.AOB[Y&)S2(AK'PA_)60(H,TG1MQ MSLD_VIM)QLGF+EAZ9K(A\FFH.^T(#0YOV>^8I2#&3S'Q=7\7>:'`KR*IX)8M ML4W(9,UE)7611;_Z^)(78%NJWO.^`ZEA=)SP`73SG^E.(4]+8[KJ$%/3#6<0 MWA@GMDF>-`YU2W^)9^I`]%G?V4@\@3I>-GLQZ\J.PLG?&>+>%CY.AFT7-^14 MBIZ1FQ]&^MXF#L072XUF1R!7+1*-HHMS&-&.@L-4UM/.&LSC9'.GI+EL?EIR MO;?.`!@'Z>SI#RXQ&0D%U*-\,SQ?/P"<2S^_0M02P$"'@,4````"`#Y MAMU&V1>=1^Z^`P"&>U,`$0`8```````!````I($`````8V%R=BTR,#$U,#,S M,2YX;6Q55`4``]6PD55U>`L``00E#@``!#D!``!02P$"'@,4````"`#YAMU& M=!&9]1$O``!7[P$`%0`8```````!````I($YOP,`8V%R=BTR,#$U,#,S,5]C M86PN>&UL550%``/5L)%5=7@+``$$)0X```0Y`0``4$L!`AX#%`````@`^8;= M1DJ_8&0*?```W`(&`!4`&````````0```*2!F>X#`&-A`Q0````(`/F& MW4;N8XS_&$8!`,U/$@`5`!@```````$```"D@?)J!`!C87)V+3(P,34P,S,Q M7VQA8BYX;6Q55`4``]6PD55U>`L``00E#@``!#D!``!02P$"'@,4````"`#Y MAMU&DZ-*8,C:``!"Y`H`%0`8```````!````I(%9L04`8V%R=BTR,#$U,#,S M,5]P&UL550%``/5L)%5=7@+``$$)0X```0Y`0``4$L!`AX#%`````@` M^8;=1M:@XBO"'@``IGD!`!$`&````````0```*2!<(P&`&-A'-D550%``/5L)%5=7@+``$$)0X```0Y`0``4$L%!@`````&``8`&@(` '`'VK!@`````` ` end XML 83 R1.htm IDEA: XBRL DOCUMENT v3.2.0.727

Document and Entity Information Document - USD ($)
12 Months Ended

Mar. 31, 2015

Sep. 30, 2014

Entity Information [Line Items]

Entity Registrant Name CARVER BANCORP INC

Entity Central Index Key 0001016178

Current Fiscal Year End Date --03-31

Entity Filer Category Non-accelerated Filer

Document Type 10-K

Document Period End Date Mar. 31, 2015

Document Fiscal Year Focus 2015

Document Fiscal Period Focus FY

Amendment Flag false

Entity Common Stock, Shares Outstanding 3,696,087

Entity Well-known Seasoned Issuer No

Entity Voluntary Filers No

Entity Current Reporting Status Yes

Entity Public Float $ 33,671,353

X

- Definition
If the value is true, then the document is an amendment to previously-filed/accepted document.
+ References
No definition available.
+ Details

Name: dei_AmendmentFlag

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
End date of current fiscal year in the format --MM-DD.
+ References
No definition available.
+ Details

Name: dei_CurrentFiscalYearEndDate

Namespace Prefix: dei_

Data Type: xbrli:gMonthDayItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalPeriodFocus

Namespace Prefix: dei_

Data Type: dei:fiscalPeriodItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalYearFocus

Namespace Prefix: dei_

Data Type: xbrli:gYearItemType

Balance Type: na

Period Type: duration

X

- Definition
The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.
+ References
No definition available.
+ Details

Name: dei_DocumentPeriodEndDate

Namespace Prefix: dei_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".
+ References
No definition available.
+ Details

Name: dei_DocumentType

Namespace Prefix: dei_

Data Type: dei:submissionTypeItemType

Balance Type: na

Period Type: duration

X

- Definition
A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation 12B

-Number 240

-Section 12b

-Subsection 1

+ Details

Name: dei_EntityCentralIndexKey

Namespace Prefix: dei_

Data Type: dei:centralIndexKeyItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.
+ References
No definition available.
+ Details

Name: dei_EntityCommonStockSharesOutstanding

Namespace Prefix: dei_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityCurrentReportingStatus

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityFilerCategory

Namespace Prefix: dei_

Data Type: dei:filerCategoryItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: dei_EntityInformationLineItems

Namespace Prefix: dei_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.
+ References
No definition available.
+ Details

Name: dei_EntityPublicFloat

Namespace Prefix: dei_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation 12B

-Number 240

-Section 12b

-Subsection 1

+ Details

Name: dei_EntityRegistrantName

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
+ References
No definition available.
+ Details

Name: dei_EntityVoluntaryFilers

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.
+ References
No definition available.
+ Details

Name: dei_EntityWellKnownSeasonedIssuer

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

XML 84 R18.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity (Notes)
12 Months Ended

Mar. 31, 2015

Stockholders' Equity Note [Abstract]

Stockholders' Equity Note Disclosure [Text Block]
STOCKHOLDERS' EQUITY

Conversion and Stock Offering. On October 24, 1994, the Bank issued in an initial public offering 2,314,375 shares of common stock, par value $0.01 (the “Common Stock”), at a price of $10 per share resulting in net proceeds of $21.5 million.  As part of the initial public offering, the Bank established a liquidation account at the time of conversion, in an amount equal to the surplus and reserves of the Bank at September 30, 1994.  In the unlikely event of a complete liquidation of the Bank (and only in such event), eligible depositors who continue to maintain accounts shall be entitled to receive a distribution from the liquidation account.  The total amount of the liquidation account may be decreased if the balances of eligible deposits decreased as measured on the annual determination dates.  The Bank is not permitted to pay dividends to the Company on its capital stock if the effect thereof would cause its net worth to be reduced below either: (i) the amount required for the liquidation account, or (ii) the amount required for the Bank to comply with applicable minimum regulatory capital requirements.

Regulatory Capital. The operations and profitability of the Bank are significantly affected by legislation and the policies of the various regulatory agencies. In July 2013, the FDIC and the other federal bank regulatory agencies issued a final rule that revised their leverage and risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. Among other things, the rule established a new common equity Tier 1 minimum capital requirement of 4.5% of risk-weighted assets, and increased the minimum Tier 1 capital to risk-based assets requirement from 4% to 6% of risk-weighted assets. The final rule became effective for the Bank on January 1, 2015. In assessing an institution's capital adequacy, the OCC takes into consideration not only these numeric factors but also qualitative factors, and has the authority to establish higher capital requirements for individual institutions where necessary.  Carver Federal, as a matter of prudent management, targets as its goal the maintenance of capital ratios which exceed these minimum requirements and that are consistent with Carver Federal's risk profile. The previously described Cease and Desist Order Carver Federal entered into with the OCC included a capital directive requiring the Bank to achieve and maintain minimum regulatory capital levels of a Tier 1 leverage ratio of 9% and a total risk-based capital ratio of 13% by April 30, 2011. The Bank Order was lifted on November 3, 2014. At March 31, 2015, the Bank's capital level exceeded the regulatory requirements with a Tier 1 leverage ratio of 10.85%, total risk-based capital ratio of 16.78% and a Tier 1 risk-based capital ratio of 15.10%.

On June 29, 2011, the Company raised $55 million of capital. The $55 million resulted in a $51.4 million increase in liquidity net of the effect of various expenses associated with the capital raise. On June 30, 2011, the Company downstreamed $37 million to the Bank. During December 2011, the Company downstreamed another $7 million to the Bank. The remainder of the net capital raised is retained by the Company for future strategic purposes or to downstream into the Bank, if necessary. No assurances can be given that the amount of capital raised is sufficient to absorb the losses emanating from the Bank's loan portfolio. Should the losses be greater than expected, additional capital may be necessary in the future.

In addition, no assurances can be given that the Company will continue to comply with all provisions of the Company Order. Failure to comply with these provisions could result in further regulatory actions to be taken by the regulators.

The table below presents the capital position of the Bank at March 31, 2015 and 2014.

At March 31, 2015

Tier 1 Leverage

Common Tier 1

Tier 1 Risk-Based Capital

Total Risk-Based Capital
($ in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

Amount

Ratio
Regulatory capital

$
67,244

10.85
%

$
67,244

15.10
%

$
67,244

15.10
%

$
74,738

16.78
%
Minimum capital requirement

24,793

4.00
%

20,045

4.50
%

26,727

6.00
%

35,636

8.00
%
Excess

42,451

6.85
%

47,199

10.60
%

40,517

9.10
%

39,102

8.78
%

At March 31, 2014

Tier 1 Leverage

Tier 1 Risk-Based Capital

Total Risk-Based Capital
($ in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio
Regulatory capital

$
66,648

10.38
%

$
66,648

17.55
%

$
76,429

20.12
%
Minimum capital requirement

57,771

9.00
%

49,382

13.00
%

49,382

13.00
%
Excess

8,877

1.38
%

17,266

4.55
%

27,047

7.12
%

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityNoteAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(d),(e))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SAB TOPIC 4.E)

-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21488-112644

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29-31)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 4

-Subparagraph (SAB TOPIC 4.C)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187143-122770

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23285-112656

Reference 10: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 11: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Preferred Stock

-URI http://asc.fasb.org/extlink&oid=6521494

Reference 12: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 13: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21564-112644

Reference 14: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph d

-Article 4

Reference 15: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30, 31

-Article 5

Reference 16: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section E

Reference 17: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Article 4

Reference 18: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section C

Reference 19: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_StockholdersEquityNoteDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 85 R80.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans Benefits (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Defined Benefit Plan Disclosure [Line Items]

Defined Benefit Plan, Benefit Obligation $ 0 $ 0 $ 2,426

Defined Benefit Plan, Interest Cost 0 61 106

Defined Benefit Plan, Actuarial Gain (Loss) 0 (165)

Defined Benefit Plan, Benefits Paid 0 (2,497)

Defined Benefit Plan, Settlements, Benefit Obligation 0 175

Defined Benefit Plan, Fair Value of Plan Assets 0 0 $ 2,023

Defined Benefit Plan, Actual Return on Plan Assets Still Held 0 120

Defined Benefit Plan, Contributions by Employer 0 354

Fair Value plan assets benefits paid 0 (97)

Defined Benefit Plan, Settlements, Plan Assets 0 (2,400)

Defined Benefit Plan, Funded Status of Plan 0 0

Pension and Other Postretirement Defined Benefit Plans, Liabilities $ 0 $ 0

X

- Definition
Fair Value plan assets benefits paid
+ References
No definition available.
+ Details

Name: carv_FairValuePlanAssetsBenefitsPaid

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Actual return on plan assets, separately identifying the amount related to assets still held at the reporting date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (d)(iv)(02)(A)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 5

-Subparagraph (c)(iv)(02)(A)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e2446-114920

+ Details

Name: us-gaap_DefinedBenefitPlanActualReturnOnPlanAssetsStillHeld

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of gain (loss) related to change in benefit obligation resulting from changes in actuarial assumptions, for example, but not limited to, interest, mortality, employee turnover, salary, and temporary deviation from the substantive plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Glossary Gain or Loss

-URI http://asc.fasb.org/extlink&oid=6514294

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 60

-Glossary Gain or Loss

-URI http://asc.fasb.org/extlink&oid=6749293

+ Details

Name: us-gaap_DefinedBenefitPlanActuarialGainLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
1) For defined benefit pension plans, the benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to that date. 2) For other postretirement defined benefit plans, the benefit obligation is the accumulated postretirement benefit obligation, which is the actuarial present value of benefits attributed to employee service rendered to a particular date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Projected Benefit Obligation

-URI http://asc.fasb.org/extlink&oid=6522206

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Accumulated Postretirement Benefit Obligation

-URI http://asc.fasb.org/extlink&oid=6503904

+ Details

Name: us-gaap_DefinedBenefitPlanBenefitObligation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 60

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6414203&loc=d3e39716-114964

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Glossary Benefits

-URI http://asc.fasb.org/extlink&oid=6506267

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 60

-Glossary Benefits

-URI http://asc.fasb.org/extlink&oid=6506309

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(6)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Postretirement Benefits

-URI http://asc.fasb.org/extlink&oid=6521376

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (b)(5)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanBenefitsPaid

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase in the fair value of plan assets from contributions made by the employer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (b)(3)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanContributionsByEmployer

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedBenefitPlanDisclosureLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Section 35

-Paragraph 50

-URI http://asc.fasb.org/extlink&oid=29635418&loc=d3e12355-114930

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanFairValueOfPlanAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The funded status is measured as the difference between the fair value of plan assets and the benefit obligation. Will normally be the same as the net Defined Benefit Plan, Amounts Recognized in Balance Sheet, Total.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=21915240&loc=d3e1703-114919

+ Details

Name: us-gaap_DefinedBenefitPlanFundedStatusOfPlan

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)(2)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanInterestCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of decrease that relates to an irrevocable action that relieves the employer (or the plan) of primary responsibility for a benefit obligation and eliminates significant risks related to the obligation and the assets used to effect the settlement. Examples of transactions that constitute a settlement include (a) making lump-sum cash payments to plan participants in exchange for their rights to receive specified benefits and (b) purchasing nonparticipating annuity contracts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Section 15

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=7577095&loc=d3e8001-114927

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(10)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanSettlementsBenefitObligation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount that relates to an irrevocable action that relieves the employer (or the plan) of primary responsibility for a benefit obligation and eliminates significant risks related to the obligation and the assets used to effect the settlement. Examples of transactions that constitute a settlement include (a) making lump-sum cash payments to plan participants in exchange for their rights to receive specified benefits and (b) purchasing nonparticipating annuity contracts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Section 15

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=7577095&loc=d3e8001-114927

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (b)(8)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanSettlementsPlanAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This represents the entire liability recognized in the balance sheet that is associated with the defined benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=21915240&loc=d3e1703-114919

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e2417-114920

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.15)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e2410-114920

+ Details

Name: us-gaap_PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 86 R90.htm IDEA: XBRL DOCUMENT v3.2.0.727

Commitments and Contingencies Text figures (Details) - USD ($)
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Commitments and Contingencies Disclosure [Abstract]

Operating Leases, Future Minimum Payments Due, Next Twelve Months $ 1,515,000

Mortgage loan commitments 30,972,000 $ 5,750,000

Operating Leases, Rent Expense 1,558,000 $ 1,500,000 $ 1,800,000

Accrued loss contingency, damages for lawsuits $ 30,000

X

- Definition
Accrued loss contingency, damages for lawsuits
+ References
No definition available.
+ Details

Name: carv_AccruedLossContingencyDamagesForLawsuits

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Mortgage loan commitments
+ References
No definition available.
+ Details

Name: carv_Mortgageloancommitments

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of rent expense incurred for leased assets, including but not limited to, furniture and equipment, that is not directly or indirectly associated with the manufacture, sale or creation of a product or product line.
+ References
No definition available.
+ Details

Name: us-gaap_LeaseAndRentalExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 10

-Section 55

-Paragraph 40

-Subparagraph (Note 3)

-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 20

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 87 R4.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Operations - Scenario, Unspecified [Domain] - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Interest income:

Loans $ 19,974 $ 20,734

Mortgage-backed securities 799 1,034

Investment securities 1,339 1,321

Money market investments 215 159

Total interest income 22,327 23,248

Interest expense:

Deposits 2,853 2,797

Advances and other borrowed money 1,089 1,154

Total interest expense 3,942 3,951

Net interest income 18,385 19,297

Provision for loan losses (3,010) (426)

Net interest income after provision for loan losses 21,395 19,723

Non-interest income:

Depository fees and charges 3,595 3,452

Loan fees and service charges 708 970

Gain on sale of securities, net 8 552

Gain on sale of loans, net (2) 1,319

Gain (loss) on real estate owned 5 (257)

Lower of cost or market adjustment on loans held-for-sale (28) (231)

Other 1,282 1,001

Total non-interest income 5,568 6,806

Non-interest expense:

Employee compensation and benefits 11,588 11,802

Net occupancy expense 3,839 4,039

Equipment, net 900 983

Data processing 733 1,072

Consulting fees 952 506

Federal deposit insurance premiums 603 1,236

Other 8,099 7,735

Total non-interest expense 26,714 27,373

Income / (loss) before income taxes 249 (844)

Income tax expense (benefit) 166 102

Consolidated net (loss) / income 83 (946)

Net (loss) / income attributable to non-controlling interest (281) (110)

Net (loss) / income attributable to Carver Bancorp, Inc. $ 364 $ (836)

(Loss) / Earnings per common share:

Earnings Per Share, Basic $ 0.10 $ (0.23)

Earnings Per Share, Diluted $ 0.10 $ (0.23)

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareBasicAndDilutedAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.
+ References
No definition available.
+ Details

Name: us-gaap_EquipmentExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_FederalDepositInsuranceCorporationPremiumExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13 (d))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 13

-Article 9

+ Details

Name: us-gaap_FeesAndCommissionsDepositorAccounts

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 13

-Subparagraph h

-Article 9

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 3

-Article 7

+ Details

Name: us-gaap_GainLossOnSaleOfSecuritiesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3(a))

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_GainLossOnSalesOfLoansNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14(d))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 14

-Subparagraph d

-Article 9

+ Details

Name: us-gaap_GainsLossesOnSalesOfOtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 940

-SubTopic 20

-Section 25

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35710027&loc=d3e41242-110953

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 10

-Article 5

+ Details

Name: us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in the value of loans or securitized loans that are held with the intention to sell in the near future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3461-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 55

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=34726456&loc=d3e60097-112785

+ Details

Name: us-gaap_IncreaseDecreaseInLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of expenses incurred in the period for information technology and data processing products and services.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.6)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_InformationTechnologyAndDataProcessing

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1-5)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 1, 2 , 3, 4, 5

-Article 9

+ Details

Name: us-gaap_InterestAndDividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestAndDividendIncomeOperatingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 1

-Article 9

+ Details

Name: us-gaap_InterestAndFeeIncomeLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of interest income and other income recognized during the period. Included in this element is interest derived from investments in debt securities, cash and cash equivalents, and other investments which reflect the time value of money or transactions in which the payments are for the use or forbearance of money and other income from ancillary business-related activities (that is, excluding major activities considered part of the normal operations of the business).
+ References
No definition available.
+ Details

Name: us-gaap_InterestAndOtherIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 835

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.9)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 9

-Article 9

+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all borrowings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.7,8)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestExpenseBorrowings

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.12)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net amount of operating interest income (expense).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.10)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 10

-Article 9

+ Details

Name: us-gaap_InterestIncomeExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of operating interest income, including amortization and accretion of premiums and discounts, on securitized, pass-through debt securities collateralized by real estate mortgage loans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.2)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Mortgage-Backed Securities

-URI http://asc.fasb.org/extlink&oid=6517959

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 2

-Article 9

+ Details

Name: us-gaap_InterestIncomeSecuritiesMortgageBacked

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount before accretion (amortization) of purchase discount (premium) of interest income on nonoperating securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.7(b))

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Article 5

+ Details

Name: us-gaap_InvestmentIncomeInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of Net Income (Loss) attributable to noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4J

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

+ Details

Name: us-gaap_NetIncomeLossAttributableToNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Total aggregate amount of all noninterest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 14

-Article 9

+ Details

Name: us-gaap_NoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 13

-Article 9

+ Details

Name: us-gaap_NoninterestIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14(b))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.6)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 30

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6455398&loc=d3e45280-112737

+ Details

Name: us-gaap_OccupancyNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net result for the period of deducting operating expenses from operating revenues.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This element represents a sum total of expenses not separately reflected on the income statement for the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.7)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.4,6)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 7

-Article 7

+ Details

Name: us-gaap_OtherExpenses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate amount of other income amounts, the components of which are not separately disclosed on the income statement, resulting from ancillary business-related activities (that is, excluding major activities considered part of the normal operations of the business) also known as other nonoperating income recognized for the period. Such amounts may include: (a) dividends, (b) interest on securities, (c) profits on securities (net of losses), and (d) miscellaneous other income items.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.7)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Article 5

+ Details

Name: us-gaap_OtherNonoperatingIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 946

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.6-07.2(a),(b),(c),(d))

-URI http://asc.fasb.org/extlink&oid=6488393&loc=d3e606610-122999

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 946

-SubTopic 225

-Section 45

-Paragraph 3

-Subparagraph (k)

-URI http://asc.fasb.org/extlink&oid=6488370&loc=d3e13550-115849

+ Details

Name: us-gaap_ProfessionalFees

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=7656940&loc=SL4569616-111683

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4K

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591552-111686

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-Subparagraph (a),(c)

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 55

-Paragraph 4J

-URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686

+ Details

Name: us-gaap_ProfitLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Expenditures for salaries for officers and non-officers. Does not include allocated share-based compensation, pension and post-retirement benefit expense or other labor-related non-salary expense. For commercial and industrial companies, excludes any direct and overhead labor that is included in cost of goods sold.
+ References
No definition available.
+ Details

Name: us-gaap_SalariesWagesAndOfficersCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of revenue from servicing real estate mortgages, credit cards, and other financial assets held by others. Includes premiums received in lieu of regular servicing fees.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13 (d))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 13

-Article 9

+ Details

Name: us-gaap_ServicingFeesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 88 R12.htm IDEA: XBRL DOCUMENT v3.2.0.727

Office Properties and Equipment, Net (Notes)
12 Months Ended

Mar. 31, 2015

Property, Plant and Equipment [Abstract]

Property, Plant and Equipment Disclosure [Text Block]
OFFICE PROPERTIES AND EQUIPMENT, NET

The details of office properties and equipment as of March 31 are as follows:
$ in thousands
2015

2014
Land
$
155

$
155

Building and improvements
10,469

8,319

Leasehold improvements
8,064

7,231

Furniture, equipment, and other
12,399

11,724

31,087

27,429

Less accumulated depreciation and amortization
(24,012
)

(19,599
)
Office properties and equipment, net
$
7,075

$
7,830

Depreciation and amortization charged to operations for fiscal years 2015, 2014 and 2013 amounted to $1.1 million, $1.1 million and $1.2 million, respectively.

X

- References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13-14)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6360339&loc=d3e1361-107760

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6391110&loc=d3e2921-110230

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

+ Details

Name: us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 89 R11.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable, Net (Note)
12 Months Ended

Mar. 31, 2015

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract]

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]
LOANS RECEIVABLE, NET

The following is a summary of loans receivable, net of allowance for loan losses, and loans held-for-sale at March 31:

March 31, 2015

March 31, 2014
$ in thousands
Amount

%

Amount

%
Gross loans receivable:

One-to-four family
$
125,020

26
%

$
111,220

29
%
Multifamily
93,780

19
%

47,399

12
%
Commercial real estate
186,443

39
%

198,808

51
%
Construction
5,107

1
%

5,100

1
%
Business
70,679

15
%

27,149

7
%
Consumer ⁽¹⁾
434

—
%

138

—
%
Total loans receivable
481,463

100
%

389,814

100
%

Add:

Premium on loans
2,233

957

Less:

Deferred fees and loan discounts, net
(503
)

(815
)

Allowance for loan losses
(4,477
)

(7,233
)

Total loans receivable, net
$
478,716

$
382,723

Loans held-for-sale
$
2,576

$
5,011

⁽¹⁾
Includes personal loans

Substantially all of the Bank's real estate loans receivable are principally secured by properties located in New York City. Accordingly, as with most financial institutions in the market area, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in market conditions in this area.

Mortgage loan portfolios serviced for Federal National Mortgage Association (“FNMA”) and other third parties are not included in the accompanying consolidated financial statements.  The unpaid principal balances of these loans aggregated $30.6 million, $33.6 million and $37.4 million at March 31, 2015, 2014, and 2013, respectively.

At March 31, 2015 the Bank pledged $58.4 million in total mortgage loans as collateral for advances from the FHLB-NY.

The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2015:
$ in thousands

One-to-four family

Multifamily

Commercial Real Estate

Construction

Business

Consumer

Total
Allowance for loan losses:

Beginning Balance

$
3,377

$
308

$
1,835

$
—

$
1,705

$
8

$
7,233

Charge-offs

687

—

—

—

320

279

1,286

Recoveries

380

83

256

—

816

5

1,540

Provision for (Recovery of) Loan Losses

(1,081
)

143

(1,062
)

99

(1,388
)

279

(3,010
)
Ending Balance

$
1,989

$
534

$
1,029

$
99

$
813

$
13

$
4,477

Allowance for Loan Losses Ending Balance: collectively evaluated for impairment

1,702

353

953

99

801

13

3,921

Allowance for Loan Losses Ending Balance: individually evaluated for impairment

287

181

76

—

12

—

556

Loan Receivables Ending Balance

$
126,527

$
94,706

$
185,851

$
5,076

$
70,599

$
434

$
483,193

Ending Balance: collectively evaluated for impairment

119,480

93,218

183,230

5,076

65,243

434

466,681

Ending Balance: individually evaluated for impairment

7,047

1,488

2,621

—

5,356

—

16,512

The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2014:
$ in thousands

One-to-four family

Multifamily

Commercial Real Estate

Construction

Business

Consumer

Total
Allowance for loan losses:

Beginning Balance

$
3,496

$
408

$
3,298

$
—

$
3,759

$
28

$
10,989

Charge-offs

2,887

98

574

—

966

15

4,540

Recoveries

534

31

—

149

486

10

1,210

Provision for (Recovery of) Loan Losses

2,234

(33
)

(889
)

(149
)

(1,574
)

(15
)

(426
)
Ending Balance

$
3,377

$
308

$
1,835

$
—

$
1,705

$
8

$
7,233

Allowance for Loan Losses Ending Balance: collectively evaluated for impairment

2,857

216

1,580

—

941

8

5,602

Allowance for Loan Losses Ending Balance: individually evaluated for impairment

520

92

255

—

764

—

1,631

Loan Receivables Ending Balance

$
112,191

$
47,525

$
198,101

$
5,070

$
26,931

$
138

$
389,956

Ending Balance: collectively evaluated for impairment

105,719

45,285

189,317

5,070

21,926

137

367,454

Ending Balance: individually evaluated for impairment

6,472

2,240

8,784

—

5,005

1

22,502

The following is an analysis of the allowance for loan losses for the years ended March 31:
$ in thousands
2015

2014

2013
Balance at beginning of the year
$
7,233

$
10,989

$
19,821

Charge-offs of loans
(1,286
)

(4,540
)

(5,903
)
Recoveries of amounts previously charged off
1,540

1,210

398

Recovery of loan losses
(3,010
)

(426
)

(3,327
)
Balance at end of the year
$
4,477

$
7,233

$
10,989

At March 31, 2015, 2014 and 2013, the recorded investment in impaired loans was $16.5 million, $22.5 million and $31.0 million, respectively. The related allowance for loan losses for these impaired loans was approximately $0.6 million, $1.6 million and $2.3 million at March 31, 2015, 2014 and 2013, respectively. Interest income of $585 thousand, $713 thousand and $3.2 million for fiscal year 2015, 2014 and 2013, respectively, would have been recorded on impaired loans had they performed in accordance with their original terms. At March 31, 2015, 2014 and 2013, there were no loans that were past due 90 days or more and still accruing.

The following is a summary of nonaccrual loans at March 31, 2015 and 2014.
$ in thousands
March 31, 2015

March 31, 2014
Loans accounted for on a nonaccrual basis:

Gross loans receivable:

One-to-four family
$
3,664

$
2,301

Multifamily
1,053

2,240

Commercial real estate
2,817

7,024

Business
861

993

Consumer
—

1

Total nonaccrual loans
$
8,395

$
12,559

Non-performing loans generally consist of loans for which the accrual of interest has been discontinued as a result of such loans becoming 90 days or more delinquent as to principal and/or interest payments.  Interest income on non-performing loans is recorded when received based upon the collectability of the loan. Nonaccrual loans decreased $4.2 million, or 33.2%, to $8.4 million at March 31, 2015 from $12.6 million at March 31, 2014. TDR loans consist of loans where borrowers have been granted concessions in regards to the terms of their loans due to financial or other difficulties, which rendered them unable to repay their loans under the original contractual terms. Total TDR loans at March 31, 2015 were $8.2 million, $3.6 million of which were non-performing as they were either not consistently performing in accordance with their modified terms or not performing in accordance with their modified terms for at least six months. At March 31, 2014, total TDR loans were $9.2 million, of which $3.0 million were non-performing.

At March 31, 2015, other non-performing assets totaled $6.9 million which consists of other real estate owned ("OREO") properties and held-for-sale loans. At March 31, 2015, other real estate owned valued at $4.3 million comprised of ten foreclosed properties, compared to $1.4 million comprised of eight properties at March 31, 2014. At March 31, 2015, held-for-sale loans totaled $2.6 million, compared to $5.0 million at March 31, 2014.
The Bank utilizes an internal loan classification system as a means of reporting problem loans within its loan categories. Loans may be classified as "Pass," “Special Mention,” “Substandard,” “Doubtful,” and “Loss.” Loans rated Pass have demonstrated satisfactory asset quality, earning history, liquidity, and other adequate margins of creditor protection. They represent a moderate credit risk and some degree of financial stability. Loans are considered collectible in full, but perhaps require greater than average amount of loan officer attention. Borrowers are capable of absorbing normal setbacks without failure. Loans rated Special Mention have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Bank's credit position at some future date. Loans rated Substandard are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Loans rated Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, based on currently existing facts, conditions and values, highly questionable and improbable. Loans classified as Loss are those considered uncollectible with insignificant value and are charged off immediately to the allowance for loan losses.
One-to-four family residential loans and consumer and other loans are rated non-performing if they are delinquent in payments ninety or more days, a troubled debt restructuring with less than six months contractual performance or past maturity. All other one-to-four family residential loans and consumer and other loans are performing loans.

As of March 31, 2015, and based on the most recent analysis performed in the current quarter, the risk category by class of loans is as follows:
$ in thousands
Multifamily

Commercial Real Estate

Construction

Business
Credit Risk Profile by Internally Assigned Grade:

Pass
$
93,218

$
181,340

$
5,076

$
62,419

Special Mention
—

1,890

—

1,065

Substandard
1,488

2,621

—

7,115

Doubtful
—

—

—

—

Loss
—

—

—

—

Total
$
94,706

$
185,851

$
5,076

$
70,599

One-to-four family

Consumer

Credit Risk Profile Based on Payment Activity:

Performing
$
122,689

$
434

Non-Performing
3,838

—

Total
$
126,527

$
434

As of March 31, 2014, and based on the most recent analysis performed, the risk category by class of loans is as follows:
$ in thousands
Multifamily

Commercial Real Estate

Construction

Business
Credit Risk Profile by Internally Assigned Grade:

Pass
$
46,028

$
184,850

$
5,070

$
20,638

Special Mention
—

7,129

—

1,295

Substandard
1,497

6,122

—

4,998

Doubtful
—

—

—

—

Loss
—

—

—

—

Total
$
47,525

$
198,101

$
5,070

$
26,931

One-to-four family

Consumer

Credit Risk Profile Based on Payment Activity:

Performing
$
109,890

$
137

Non-Performing
2,301

1

Total
$
112,191

$
138

The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2015.
$ in thousands
30-59 Days Past Due

60-89 Days Past Due

90 or More Days Past Due

Total Past Due

Current

Total Financing Receivables
One-to-four family
$
464

$
—

$
3,574

$
4,038

$
122,489

$
126,527

Multifamily
—

434

1,054

1,488

93,218

94,706

Commercial real estate
1,150

936

1,102

3,188

182,663

185,851

Construction
—

—

—

—

5,076

5,076

Business
—

—

123

123

70,476

70,599

Consumer
—

1

—

1

433

434

Total
$
1,614

$
1,371

$
5,853

$
8,838

$
474,355

$
483,193

The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2014.
$ in thousands
30-59 Days Past Due

60-89 Days Past Due

90 or More Days Past Due

Total Past Due

Current

Total Financing Receivables
One-to-four family
$
244

$
888

$
1,863

$
2,995

$
109,196

$
112,191

Multifamily
444

—

2,240

2,684

44,841

47,525

Commercial real estate
3,133

292

3,891

7,316

190,785

198,101

Construction
—

—

—

—

5,070

5,070

Business
—

131

993

1,124

25,807

26,931

Consumer
2

2

1

5

133

138

Total
$
3,823

$
1,313

$
8,988

$
14,124

$
375,832

$
389,956

The following tables present information on impaired loans with the associated allowance amount, if applicable, at March 31, 2015 and 2014. Management determined the specific allowance based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, except when the remaining source of repayment for the loan is the operation or liquidation of the collateral. In those cases, the current fair value of the collateral, less selling costs was used to determine the specific allowance recorded. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.
Impaired Loans by Class

At March 31,

2015

2014
$ in thousands
Recorded Investment

Unpaid Principal Balance

Associated Allowance

Recorded Investment

Unpaid Principal Balance

Associated Allowance
With no specific allowance recorded:

One-to-four family
$
2,752

$
3,007

$
—

$
639

$
893

$
—

Multifamily
237

237

—

—

—

—

Commercial real estate
1,880

1,880

—

3,972

4,147

—

Business
4,568

4,652

—

341

402

—

Consumer
—

—

—

1

1

—

With an allowance recorded:

One-to-four family
4,295

4,541

286

5,833

5,958

520

Multifamily
1,251

1,349

181

2,240

2,240

92

Commercial real estate
741

741

76

4,812

5,023

255

Business
788

788

13

4,664

4,664

764

Total
$
16,512

$
17,195

$
556

$
22,502

$
23,328

$
1,631

The following table presents information on average balances on impaired loans and the interest income recognized for the years ended March 31, 2015, 2014 and 2013.

For the years ended March 31,

2015

2014

2013
$ in thousands
Average Balance

Interest Income recognized

Average Balance

Interest Income recognized

Average Balance

Interest Income recognized
With no specific allowance recorded:

One-to-four family
$
1,669

$
17

$
1,541

$
12

$
1,215

$
47

Multifamily
222

—

729

17

308

5

Commercial real estate
1,670

83

7,941

227

9,865

235

Construction
—

—

393

—

1,230

53

Business
3,903

215

1,508

14

1,136

41

With an allowance recorded:

One-to-four family
5,158

104

5,290

142

5,363

57

Multifamily
1,255

24

513

—

—

—

Commercial real estate
—

—

3,991

43

6,302

133

Business
855

18

3,899

212

4,932

254

Total
$
14,732

$
461

$
25,805

$
667

$
30,351

$
825

In certain circumstances, loan modifications involve a troubled borrower to whom the Bank may grant a modification. Situations around modifications involving troubled borrowers may include extension of maturity date, reduction in the stated interest rate, rescheduling of future cash flows, reduction in the face amount of the debt or reduction of past accrued interest. In cases where the Bank grants any significant concessions to a troubled borrower, the Bank accounts for the modification as a TDR under ASC Subtopic 310-40 and the related allowance under ASC Section 310-10-35. Loans modified in TDRs are placed on nonaccrual status until the Company determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months.

The following table presents an analysis of those loan modifications that were classified as TDRs during the twelve month periods ended March 31, 2015 and March 31, 2014:

Modifications to loans during the years ended March 31,

2015

2014
$ in thousands

Number of loans

Pre-modification outstanding recorded investment

Post-Modification Recorded investment

Pre-Modification rate

Post-Modification rate

Number of loans

Pre-modification outstanding recorded investment

Post-Modification Recorded investment

Pre-Modification rate

Post-Modification rate
One-to-four family

1

43

43

12.00
%

12.00
%

2

747

867

5.51
%

4.69
%
Commercial real estate

1

860

860

6.60
%

6.60
%

—

—

—

Business

2

788

788

8.25
%

8.25
%

1

844

719

6.00
%

6.00
%
Total

4

$
1,691

$
1,691

3

$
1,591

$
1,586

In an effort to proactively manage delinquent loans, Carver has selectively extended to certain borrowers concessions such as extensions, rate reductions or forbearance agreements. For the fiscal year ended March 31, 2015, two loans of $860 thousand and $788 thousand were extended and one loan of $43 thousand was modified with interest rate concessions. For the fiscal year ended March 31, 2014, two loans of $747 thousand were modified with interest rate concessions and one loan of $844 thousand was extended.
There were no loans at March 31, 2015 and March 31, 2014 that had been modified and subsequently defaulted.

For the fiscal year ended March 31, 2015, there were 12 loans in the TDR portfolio totaling $4.6 million that were on accrual status as the Company has determined that the future collection of the principal and interest is reasonably assured. This generally represents those borrowers who have performed according to the restructured terms for a period of at least six months. At March 31, 2014, there were 14 loans in the performing TDR portfolio totaling $6.3 million.

At March 31, 2015, the Bank had one Regulation O loan of $1.5 million to a director. There were no loans to officers or directors of the Company at March 31, 2014.

X

- Definition
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract]
+ References
No definition available.
+ Details

Name: carv_LoansReceivableAndAllowanceForLoanAndLeaseLossesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5162-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(k))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3, 4

-Article 5

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Article 9

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph k

-Article 4

+ Details

Name: us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 90 R23.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value of Financial Instruments
12 Months Ended

Mar. 31, 2015

FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]

Financial Instruments Disclosure [Text Block]
FAIR VALUE OF FINANCIAL INSTRUMENTS

Disclosures regarding the fair value of financial instruments are required to include, in addition to the carrying value, the fair value of certain financial instruments, both assets and liabilities recorded on and off-balance sheet, for which it is practicable to estimate fair value. Accounting guidance defines financial instruments as cash, evidence of ownership of an entity, or a contract that conveys or imposes on an entity the contractual right or obligation to either receive or deliver cash or another financial instrument. The fair value of a financial instrument is discussed below. In cases where quoted market prices are not available, estimated fair values have been determined by the Bank using the best available data and estimation methodology suitable for each such category of financial instruments. For those loans and deposits with floating interest rates, it is presumed that estimated fair values generally approximate their recorded carrying value. The Bank's primary component of market risk is interest rate volatility. Fluctuations in interest rates will ultimately impact the Bank's fair value of all interest-earning assets and interest-bearing liabilities, other than those which are short-term in maturity.

The carrying amounts and estimated fair values of the Bank's financial instruments and estimation methodologies at March 31 are as follows:

March 31, 2015
$ in thousands

Carrying
Amount

Estimated
Fair Value

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)
Financial Assets:

Cash and cash equivalents

$
50,992

$
50,992

$
50,992

$
—

$
—

Restricted cash

6,354

6,354

—

6,354

—

Securities available-for-sale

101,185

101,185

—

101,138

47

FHLB Stock

3,519

3,519

—

3,519

—

Securities held-to-maturity

11,922

12,231

—

12,231

—

Loans receivable

478,716

485,458

—

—

485,458

Loans held-for-sale

2,576

2,576

—

2,576

—

Accrued interest receivable

2,781

2,781

—

2,781

—

Mortgage servicing rights

210

210

—

—

210

Financial Liabilities:

Deposits

$
527,761

$
511,160

$
309,897

$
201,263

$
—

Advances from FHLB of New York

65,000

65,827

—

65,827

—

Other borrowed money

18,403

18,931

—

18,931

—

March 31, 2014
$ in thousands

Carrying
Amount

Estimated
Fair Value

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)
Financial Assets:

Cash and cash equivalents

$
122,554

$
122,554

$
122,554

$
—

$
—

Restricted cash

6,354

6,354

—

6,354

—

Securities available-for-sale

89,461

89,461

—

89,412

49

FHLB Stock

3,101

3,101

—

3,101

—

Securities held-to-maturity

9,029

8,971

—

8,971

—

Loans receivable

382,723

382,604

—

—

382,604

Loans held-for-sale

5,011

5,011

—

5,011

—

Accrued interest receivable

2,557

2,557

—

2,557

—

Mortgage servicing rights

265

265

—

—

265

Financial Liabilities:

Deposits

$
509,366

$
493,922

$
287,767

$
206,155

$
—

Advances from FHLB of New York

52,000

53,294

—

53,294

—

Other borrowed money

18,403

18,915

—

18,915

—

Cash and Cash Equivalents

The carrying amounts for cash and cash equivalents approximate fair value and are classified as Level 1 because they mature in three months or less.

Restricted Cash

The carrying amounts for restricted cash approximates fair value and are classified as Level 2 because they represent short-term interest-bearing deposits.

Securities

The fair values for securities available-for-sale and securities held-to-maturity are based on quoted market or dealer prices, if available. If quoted market or dealer prices are not available, fair value is estimated using quoted market or dealer prices for similar securities. Available-for-sale securities are classified across Levels 2 and 3. Held-to-maturity securities are classified as Level 2.

FHLB Stock

Ownership in equity securities of the FHLB is restricted and there is no established market for resale. The carrying amount is at cost, and is classified as Level 2.

Loans Receivable

The fair value of loans receivable is estimated by discounting future cash flows, using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities of such loans. The method used to estimate the fair value of loans is extremely sensitive to the assumptions and estimates used. While management has attempted to use assumptions and estimates that best reflect the Company's loan portfolio and current market conditions, a greater degree of objectivity is inherent in these values than in those determined in active markets. The loan valuations thus determined do not necessarily represent an “exit” price that would be achieved in an active market. Loans receivable are classified as Level 3.

Loans Held-for-Sale

Loans held-for-sale are carried at the lower of cost or market value and are classified as Level 2. The valuation methodology for loans held-for-sale are based upon amounts offered or other acceptable valuation methods and, in some instances, prior loan loss experience of Carver in connection with recent note sales.

Accrued Interest Receivable

The carrying amounts of accrued interest approximate fair value resulting in a Level 2 classification.

Mortgage Servicing Rights

The fair value of mortgage servicing rights is determined by discounting the present value of estimated future servicing cash flows using current market assumptions for prepayments, servicing costs and other factors and are classified as Level 3.

Deposits

The fair value of demand, savings and club accounts is equal to the amount payable on demand at the reporting date. These deposits are classified as Level 1. The fair value of certificates of deposit is estimated using rates currently offered for deposits of similar remaining maturities resulting in a Level 2 classification. The fair value estimates do not include the benefit that results from the low-cost funding provided by deposit liabilities compared to the cost of borrowing funds in the market.

Advances from FHLB-NY and Other Borrowed Money

The fair values of advances from the Federal Home Loan Bank of New York and other borrowed money are estimated using the rates currently available to the Bank for debt with similar terms and remaining maturities and are classified as Level 2.

Commitments to Extend Credits, Commercial, and Standby Letters of Credit

The fair value of the commitments to extend credit was estimated to be immaterial as of March 31, 2015 and March 31, 2014. The fair value of commitments to extend credit and standby letters of credit was evaluated using fees currently charged to enter into similar agreements, taking into account the risk characteristics of the borrower, and estimated to be insignificant as of the reporting date.

X

- Definition
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
+ References
No definition available.
+ Details

Name: carv_FairValueOfFinancialInstrumentsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for financial instruments. This disclosure includes, but is not limited to, fair value measurements of short and long term marketable securities, international currencies forward contracts, and auction rate securities. Financial instruments may include hedging and non-hedging currency exchange instruments, derivatives, securitizations and securities available for sale at fair value. Also included are investment results, realized and unrealized gains and losses as well as impairments and risk management disclosures.
+ References
No definition available.
+ Details

Name: us-gaap_FinancialInstrumentsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 91 R19.htm IDEA: XBRL DOCUMENT v3.2.0.727

Other Comprehensive Income (Loss) (Notes)
12 Months Ended

Mar. 31, 2015

Statement of Comprehensive Income [Abstract]

Comprehensive Income (Loss) Note [Text Block]
OTHER COMPREHENSIVE (LOSS) INCOME

The following tables set forth changes in each component of accumulated other comprehensive (loss) income, net of tax for the years ended March 31, 2015 and 2014:
$ in thousands

At
March 31, 2014

Other Comprehensive Income

At
March 31, 2015
Net unrealized gain (loss) on securities available-for-sale

$
(4,768
)

$
3,723

$
(1,045
)
Accumulated other comprehensive loss

$
(4,768
)

$
3,723

$
(1,045
)

$ in thousands

At
March 31, 2013

Pension Plan Adjustment

Other Comprehensive Income

At
March 31, 2014
Net unrealized gain (loss) on securities available-for-sale

$
1,064

$
—

$
(5,832
)

$
(4,768
)
Net unrealized loss on pension liability

(501
)

(716
)

1,217

—

Accumulated other comprehensive income (loss)

$
563

$
(716
)

$
(4,615
)

$
(4,768
)

The following table sets forth information about amounts reclassified from accumulated other comprehensive loss to the consolidated statement of operations and the affected line item in the statement where net income is presented.

For the Twelve Months Ended March 31,

Affected Line Item in the Consolidated Statement of Operations
$ in thousands

2015

2014

Reclassification adjustment for sales of available for-sale securities, net of tax

$
8

$
552

Gain on sale of securities, net
Reclassification adjustment for termination of pension plan, net of tax

—

(1,148
)

Employee compensation and benefits
Total reclassifications for the period

$
8

$
(596
)

Comprehensive Income (Loss). Comprehensive income (loss) represents net income (loss) and certain amounts reported directly in stockholders' equity, such as net unrealized gain or loss on securities available-for-sale and loss on pension obligations. The Company has reported its comprehensive income (loss) for fiscal years 2015 and 2014 in the Consolidated Statements of Comprehensive Income (Loss).  Carver Federal's accumulated other comprehensive income (loss) included net unrealized gains on securities of $3.7 million at March 31, 2015 and net unrealized losses on securities of $5.8 million at March 31, 2014.

X

- Definition
The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669619-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e640-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 17

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e716-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e709-108580

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Reclassification Adjustments

-URI http://asc.fasb.org/extlink&oid=6522872

+ Details

Name: us-gaap_ComprehensiveIncomeNoteTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 92 R84.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans Information regarding stock options (Details) - $ / shares
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2012

Infromation regarding stock options [Line Items]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number ^[1] 3,029 4,029 5,362 7,362

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price $ 246.18 $ 258.16 $ 255.17 $ 235.00

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number ^[1] 3,002 3,975 5,229

$90.00 - $104.85 [Member]

Infromation regarding stock options [Line Items]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 134

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term 5 years 4 months 9 days

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price $ 97.50

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number 107

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price $ 97.50

$240.00 - $254.85 [Member]

Infromation regarding stock options [Line Items]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 1,899

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term 2 years 9 months 12 days

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price $ 250.61

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number 1,899

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price $ 16.71

$255.00 - $269.85 [Member]

Infromation regarding stock options [Line Items]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 996

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term 1 year 2 months 4 days

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price $ 257.63

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number 996

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price $ 257.63

$285.00 - $299.85 [Member]

Infromation regarding stock options [Line Items]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price

[1] Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011

X

- Definition
[Line Items] for Infromation regarding stock options [Table]
+ References
No definition available.
+ Details

Name: carv_InfromationRegardingStockOptionsLineItems

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of options outstanding, including both vested and non-vested options.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average price as of the balance sheet date at which grantees could acquire the underlying shares with respect to all outstanding stock options which are in the customized range of exercise prices.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Weighted average remaining contractual term of outstanding stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (e)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=carv_A900010485Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=carv_A2400025485Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=carv_A2550026985Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=carv_A2850029985Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 93 R15.htm IDEA: XBRL DOCUMENT v3.2.0.727

Borrowed Money (Notes)
12 Months Ended

Mar. 31, 2015

Borrowed Money [Abstract]

Debt Disclosure [Text Block]
BORROWED MONEY

Federal Home Loan Bank Advances, Repurchase agreements and Guaranteed Debt Securities. FHLB-NY advances weighted average interest rates by remaining period to maturity at March 31 are as follows:

$ in thousands

2015

2014
Maturing Year Ended March 31,

Weighted
Average Rate

Amount

Weighted
Average Rate

Amount
2015

—%

$
—

0.40%

$
27,000

2016

0.34%

40,000

—

—

2017

—

—

—

—

2018 and after ⁽¹⁾

1.50%

25,000

1.50%

25,000

0.79%

$
65,000

0.93%

$
52,000

⁽¹⁾ Effective rate is 2.13% which includes the net impact of the amortization of the termination fee on restructured borrowing.

Federal Home Loan Bank Advances. As a member of the FHLB-NY, the Bank may have outstanding FHLB-NY borrowings in a combination of term advances and overnight funds of up to 30% of its total assets, or approximately $204.0 million at March 31, 2015. Borrowings are secured by the Bank's investment in FHLB-NY stock and by a blanket security agreement. This agreement requires the Bank to maintain as collateral certain qualifying assets (principally mortgage loans and securities) not otherwise pledged. At March 31, 2015, advances were secured by pledges of the Bank's investment in the capital stock of the FHLB-NY totaling $3.5 million and a blanket assignment of the Bank's pledged qualifying mortgage loans of $58.4 million and mortgage-backed and investment securities with a market value of $42.2 million. The Bank has sufficient collateral at the FHLB-NY to be able to borrow an additional $6.1 million from the FHLB-NY at March 31, 2015. The accrued interest payable on FHLB advances was $34 thousand and the interest expense was $541 thousand for the year ended March 31, 2015. At March 31, 2014, the accrued interest payable on FHLB advances was $32 thousand and the interest expense was $603 thousand for the year ended March 31, 2014. The Bank completed a debt restructuring during the first quarter of fiscal year 2014 that allowed it to prepay a $25.0 million long-term borrowing and secure a new borrowing at a significantly lower rate. The termination fees and penalties associated with the borrowing were prepaid to the FHLB and amortized over five years.

Subordinated Debt Securities. On September 17, 2003, Carver Statutory Trust I issued 13,000 shares, liquidation amount $1,000 per share, of floating rate capital securities.  Gross proceeds from the sale of these trust preferred debt securities of $13 million, and proceeds from the sale of the trust's common securities of $0.4 million, were used to purchase approximately $13.4 million aggregate principal amount of the Company's floating rate junior subordinated debt securities due 2033.  The trust preferred debt securities are redeemable at par quarterly at the option of the Company beginning on or after September 17, 2008, and have a mandatory redemption date of September 17, 2033. Cash distributions on the trust preferred debt securities are cumulative and payable at a floating rate per annum resetting quarterly with a margin of 3.05% over the three-month LIBOR. Under the Orders, the Company is prohibited from paying dividends without prior regulatory approval. Therefore the Company has deferred the debenture interest payments.

On September 30, 2009, the Bank raised $5.0 million in a private placement of subordinated debt maturing December 30, 2018. The interest rate was set at 7% per annum for the first seven years as long as there is no default event, including Carver maintaining its certification as a Community Development Entity (“CDE”) and remaining in compliance with NMTC requirements, and 12% per annum after. During the second quarter of fiscal year 2012, the interest rate was reduced to 2%. This subordinated debt has been approved by the regulators to qualify as Tier II capital for the Bank's regulatory capital calculations. Qualifying term subordinated debt must have an original weighted average maturity of at least five years. Once the term to maturity is less than five years, the amount qualified as Tier II capital declines 20% per year.

The accrued interest payable on subordinated debt securities was $1.6 million and the interest expense was $549 thousand for the year ended March 31, 2015. The accrued interest payable on subordinated debt securities was $1.2 million and the interest expense was $552 thousand for the year ended March 31, 2014.

The following table sets forth certain information regarding Carver Federal's borrowings as of and for the years ended March 31:
$ in thousands
2015

2014

2013
Amounts outstanding at the end of year:

FHLB advances
$
65,000

$
52,000

$
58,000

Subordinated debt securities
$
18,403

$
18,403

$
18,403

Rate paid at year end:

FHLB advances
0.79
%

0.93
%

1.63
%
Subordinated debt securities
2.99
%

2.99
%

2.99
%

Maximum amount of borrowing outstanding at any month end:

FHLB advances
$
65,000

$
77,000

$
69,011

Subordinated debt securities
$
18,403

$
18,403

$
18,403

Approximate average amounts outstanding for year:

FHLB advances
$
28,299

$
32,825

$
31,531

Subordinated debt securities
$
18,403

$
18,403

$
18,403

Approximate weighted average rate paid during year:

FHLB advances
1.91
%

1.84
%

2.53
%
Subordinated debt securities
2.98
%

2.99
%

3.11
%

X

- Definition
Borrowed Money [Abstract]
+ References
No definition available.
+ Details

Name: carv_BorrowedMoneyAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19,20,22)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 19, 20, 22

-Article 5

+ Details

Name: us-gaap_DebtDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 94 R60.htm IDEA: XBRL DOCUMENT v3.2.0.727

Office Properties and Equipment, Net Office properties and Equipment, Net (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Property, Plant and Equipment [Line Items]

Property, Plant and Equipment, Gross $ 31,087 $ 27,429

Less accumulated depreciation and amortization (24,012) (19,599)

Property, Plant and Equipment, Net 7,075 7,830

Land [Member]

Property, Plant and Equipment [Line Items]

Property, Plant and Equipment, Gross 155 155

Building and Building Improvements [Member]

Property, Plant and Equipment [Line Items]

Property, Plant and Equipment, Gross 10,469 8,319

Leasehold Improvements [Member]

Property, Plant and Equipment [Line Items]

Property, Plant and Equipment, Gross 8,064 7,231

Furniture and Fixtures [Member]

Property, Plant and Equipment [Line Items]

Property, Plant and Equipment, Gross $ 12,399 $ 11,724

X

- Definition
Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.14)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 14

-Article 5

+ Details

Name: us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_PropertyPlantAndEquipmentGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 13

-Subparagraph a

-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 8

-Article 7

+ Details

Name: us-gaap_PropertyPlantAndEquipmentNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 95 R13.htm IDEA: XBRL DOCUMENT v3.2.0.727

Accrued Interest Receivable (Notes)
12 Months Ended

Mar. 31, 2015

Accrued Interest Receivable [Abstract]

Accrued Interest Receivable [Text Block]
ACCRUED INTEREST RECEIVABLE

The details of accrued interest receivable as of March 31 are as follows:
$ in thousands
2015

2014
Loans receivable
$
2,337

$
2,139

Mortgage-backed securities
99

99

Investments and other interest-bearing assets
345

319

Total accrued interest receivable
$
2,781

$
2,557

X

- Definition
Accrued Interest Receivable [Abstract]
+ References
No definition available.
+ Details

Name: carv_AccruedInterestReceivableAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Accrued Interest Receivable [Text Block]
+ References
No definition available.
+ Details

Name: carv_AccruedInterestReceivableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 96 R14.htm IDEA: XBRL DOCUMENT v3.2.0.727

Deposits (Notes)
12 Months Ended

Mar. 31, 2015

Deposits [Abstract]

Deposit Liabilities Disclosures [Text Block]
DEPOSITS

Deposit balances and weighted average stated interest rates as of March 31 are as follows:

2015

2014
$ in thousands
Amount

Percent of Total Deposits

Weighted Average Rate

Amount

Percent of Total Deposits

Weighted Average Rate
Non-interest-bearing demand
$
50,731

9.61
%

—
%

$
53,232

10.45
%

—
%
Interest-bearing checking
30,860

5.85

0.16

24,271

4.76

0.16

Savings
95,009

18.00

0.27

98,051

19.26

0.27

Money market savings account
148,702

28.18

0.49

127,655

25.06

0.46

Certificates of deposit
200,123

37.92

0.93

203,907

40.03

1.01

Mortgagors deposits
2,336

0.44

1.53

2,250

0.44

1.73

Total
$
527,761

100.00
%

0.55
%

$
509,366

100.00
%

0.59
%

Scheduled maturities of certificates of deposit for the year ended March 31, 2015 are as follows:
$ in thousands

Period to Maturity
Rate

< 1 Yr.

1-2 Yrs.

2-3 Yrs.

3+ Yrs.

Total 2015

Percent
of Total
0% - 0.99%

$
86,119

$
5,653

$
4,063

$
9,977

$
105,812

52.87
%
1% - 1.99%

19,925

22,810

27,801

7,886

78,422

39.19

2% - 3.99%

11,223

4,494

9

159

15,885

7.94

4% and over

—

—

—

4

4

—

   Total

$
117,267

$
32,957

$
31,873

$
18,026

$
200,123

100.00
%

The following table represents the amount of certificates of deposit of $100,000 or more at March 31, 2015 maturing during the periods indicated:
$ in thousands

Maturing:

April 1, 2015 to June 30, 2015
$
28,701

July 1, 2015 to September 30, 2015
4,612

October 1, 2015 to March 31, 2016
55,656

April 1, 2016 and beyond
67,141

Total
$
156,110

Interest expense on deposits is as follows for the years ended March 31:
$ in thousands
2015

2014

2013
Interest-bearing checking
$
45

$
40

$
42

Savings and clubs
255

256

259

Money market savings
692

536

739

Certificates of deposit
1,836

1,938

2,441

Mortgagors deposits
30

34

37

2,858

2,804

3,518

Penalty for early withdrawal of certificates of deposit
(5
)

(7
)

(10
)
    Total interest expense
$
2,853

$
2,797

$
3,508

X

- Definition
The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_DepositLiabilitiesDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 97 R16.htm IDEA: XBRL DOCUMENT v3.2.0.727

Income Taxes
12 Months Ended

Mar. 31, 2015

INCOME TAXES [Abstract]

Income Tax Disclosure [Text Block]
INCOME TAXES

The components of income tax expense for the years ended March 31 are as follow:
$ in thousands

2015

2014

2013
Income tax expense (benefit):

    Current - Federal

$
—

$
(35
)

$
149

    Current - State

166

137

179

Total income tax expense (benefit)

$
166

$
102

$
328

There was no income tax expense attributable to equity for the three years ended March 31, 2014.

The following is a reconciliation of the expected Federal income tax rate to the consolidated effective tax rate for the years ended March 31:

2015

2014

2013
$ in thousands
Amount

Percent

Amount

Percent

Amount

Percent
Statutory Federal income tax expense (benefit)
$
240

34.0
%

$
(250
)

34.0
%

$
337

34.0
%
State and local income tax, net of Federal tax benefit
41

5.8

(16
)

2.1

49

4.9

General business credit
(32
)

(4.6
)

(32
)

4.4

(32
)

(3.3
)
Difference in rates
(1,568
)

(222.4
)

(1,068
)

145.5

—

—

Valuation Allowance
741

105.0

(204
)

27.7

795

80.3

Write off DTA due to Section 382 limitation
—

—

1,132

(154.1
)

(1,363
)

(137.7
)
True-ups/Adjustments
743

103.6

255

(34.7
)

524

53.1

Other
1

2.2

285

(38.8
)

18

1.8

Total income tax expense
$
166

23.6
%

$
102

(13.9
)%

$
328

33.1
%

Carver Federal's operating results includes a $166 thousand tax expense for the fiscal year ended March 31, 2015, which included a $741 thousand change in the valuation allowance. For the fiscal year ended March 31, 2014, the total income tax expense of $102 thousand included a $204 thousand change in the valuation allowance. For the fiscal year ended March 31, 2013, the total income tax expense of $328 thousand included a $795 thousand change in the valuation allowance taken on the Bank's deferred tax assets.

Tax effects of existing temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities are included in other assets at March 31 as follows:
$ in thousands
2015

2014
Deferred Tax Assets:

Allowance for loan losses
$
1,681

$
2,373

Deferred loan costs, net
(162
)

193

Nonaccrual loan interest
68

64

Purchase accounting adjustment
23

44

Net operating loss carryforward
17,394

15,181

New markets tax credit
2,207

2,175

Depreciation
977

782

Market value adjustment on HFS loans
464

752

Unrealized loss on available-for-sale securities
448

1,908

Other
947

577

Total Deferred Tax Assets
24,047

24,049

Deferred Tax Liabilities:

Income from affiliate
671

(46
)
Total Deferred Tax Liabilities
671

(46
)
Deferred Tax Assets, net
23,376

24,095

Valuation Allowance
(23,376
)

(24,095
)
Deferred Tax Assets, net of valuation allowance
$
—

$
—

On June 29, 2011, the Company raised $55.0 million of equity. The capital raise triggered a change in control under Section 382 of the Internal Revenue Code. Generally, Section 382 limits the utilization of an entity's net operating loss carryforwards, general business credits, and recognized built-in losses upon a change in ownership. The Company expects to be subject to an annual limitation of approximately $0.9 million. The Company has a net deferred tax asset (“DTA”) of approximately $29.2 million. Based on management's calculations, the Section 382 limitation has resulted in previous reductions of the deferred tax asset of $5.8 million. A full valuation allowance for the remaining net deferred tax asset of $23.4 million has been recorded.

At March 31, 2015, the Company had net operating carryforwards for federal purposes of approximately $33.9 million, for state purposes of approximately $52.7 million and for city purposes of approximately $47.2 million which are available to offset future federal, state and city income and which expire over varying periods from March 2028 through March 2034.

The Company has no uncertain tax positions. The Company and its subsidiaries are subject to federal, New York State and New York City income taxation. The Company is no longer subject to examination by taxing authorities for years before March 31, 2008. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination; with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.

X

- Definition
INCOME TAXES [Abstract]
+ References
No definition available.
+ Details

Name: carv_IncomeTaxesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 98 R64.htm IDEA: XBRL DOCUMENT v3.2.0.727

Deposits Maturities of Certificate of Deposits (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

certificate of deposits [Line Items]

Time Deposit Maturities, Next Twelve Months $ 117,267

Time Deposit Maturities, Year Two 32,957

Time Deposit Maturities, Year Three 31,873

Time Deposit Maturities, after Three Years 18,026

Time Deposits $ 200,123 $ 203,907

Percent of Total Time Deposit 100.00%

0%-0.99% Interest Rate [Member]

certificate of deposits [Line Items]

Time Deposit Maturities, Next Twelve Months $ 86,119

Time Deposit Maturities, Year Two 5,653

Time Deposit Maturities, Year Three 4,063

Time Deposit Maturities, after Three Years 9,977

Time Deposits $ 105,812

Percent of Total Time Deposit 52.87%

1% - 1.99% Interest Rate [Member]

certificate of deposits [Line Items]

Time Deposit Maturities, Next Twelve Months $ 19,925

Time Deposit Maturities, Year Two 22,810

Time Deposit Maturities, Year Three 27,801

Time Deposit Maturities, after Three Years 7,886

Time Deposits $ 78,422

Percent of Total Time Deposit 39.19%

2%-3.99% Interest Rate [Member]

certificate of deposits [Line Items]

Time Deposit Maturities, Next Twelve Months $ 11,223

Time Deposit Maturities, Year Two 4,494

Time Deposit Maturities, Year Three 9

Time Deposit Maturities, after Three Years 159

Time Deposits $ 15,885

Percent of Total Time Deposit 7.94%

4% and over Interest Rate [Member]

certificate of deposits [Line Items]

Time Deposit Maturities, Next Twelve Months $ 0

Time Deposit Maturities, Year Two 0

Time Deposit Maturities, Year Three 0

Time Deposit Maturities, after Three Years 4

Time Deposits $ 4

Percent of Total Time Deposit 0.00%

X

- Definition
[Line Items] for certificate of deposits [Table]
+ References
No definition available.
+ Details

Name: carv_CertificateOfDepositsLineItems

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Percent of Total Time Deposit
+ References
No definition available.
+ Details

Name: carv_PercentOfTotalTimeDeposit

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Time Deposit Maturities, after Three Years
+ References
No definition available.
+ Details

Name: carv_TimeDepositMaturitiesAfterThreeYears

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

+ Details

Name: us-gaap_TimeDepositMaturitiesYearOne

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

+ Details

Name: us-gaap_TimeDepositMaturitiesYearThree

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

+ Details

Name: us-gaap_TimeDepositMaturitiesYearTwo

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_TimeDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: carv_CertificatesOfDepositsAxis=carv_A0099InterestRateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: carv_CertificatesOfDepositsAxis=carv_A1199InterestRateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: carv_CertificatesOfDepositsAxis=carv_A2399InterestRateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: carv_CertificatesOfDepositsAxis=carv_A4AndOverInterestRateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 99 R85.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans Benefit and Stock Compensation Text tags (Details) - USD ($)
$ in Thousands
3 Months Ended 4 Months Ended 12 Months Ended

Dec. 31, 2013

Sep. 30, 2006

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2006

Sep. 30, 2014

Mar. 31, 1995

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Pension plan adjustment $ 432 $ 716

Defined Contribution Plan, Employer Matching Contribution, Percent 100.00%

Defined Contribution Plan, Employer Matching Contribution, Percent of Match 3.00%

Percent Net Income Goal to set off profit sharing 70.00%

Defined Contribution Plan, Maximum Annual Contribution Per Employee, Percent 2.00%

Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage 20.00% 20.00%

Allocated Share-based Compensation Expense $ 0 $ 2

Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 22,591

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number ^[1] 3,002 3,975 5,229

Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant 20,000 250,000

Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross ^[1] 0 0 0

Maximum restricted stock to be granted 2006 Incentive Plan 10,000

Payments to Employees $ 0 $ 8

Management Recognition Plan [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Allocated Share-based Compensation Expense $ 10 $ 27 $ 65

1995 Stock Option Plan [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options 1,104

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number 1,104

Stock Option [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options 1,925

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number 1,898

2014 Stock Incentive Plan [Member] [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options 0

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number 0

[1] Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011

X

- Definition
Maximum restricted stock to be granted 2006 Incentive Plan
+ References
No definition available.
+ Details

Name: carv_MaximumRestrictedStockToBeGranted2006IncentivePlan

Namespace Prefix: carv_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Pension plan adjustment
+ References
No definition available.
+ Details

Name: carv_Pensionplanadjustment

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Percent Net Income Goal to set off profit sharing
+ References
No definition available.
+ Details

Name: carv_PercentNetIncomeGoalToSetOffProfitSharing

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 14.F)

-URI http://asc.fasb.org/extlink&oid=27013229&loc=d3e301413-122809

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (h)(1)(i)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 14

-Section F

+ Details

Name: us-gaap_AllocatedShareBasedCompensationExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage employer matches of the employee's percentage contribution matched.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of employer's matching contributions to a defined contribution plan that vests in a given year.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedContributionPlanEmployersMatchingContributionAnnualVestingPercentage

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Maximum percentage of employee gross pay the employee may contribute to a defined contribution plan.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Payments of cash to employees, including wages and salaries, during the current period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585

+ Details

Name: us-gaap_PaymentsToEmployees

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)(3)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Gross number of share options (or share units) granted during the period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of shares reserved for issuance pertaining to the outstanding stock options as of the balance sheet date for all option plans in the customized range of exercise prices.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Details

Name: us-gaap_AwardTypeAxis=carv_ManagementRecognitionPlanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=carv_A1995StockOptionPlanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=carv_A2006StockIncentivePlanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=carv_A2014StockIncentivePlanMemberMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 100 R66.htm IDEA: XBRL DOCUMENT v3.2.0.727

Deposits Interest Expense on Deposits (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Deposits [Abstract]

Interest-bearing checking $ 45 $ 40 $ 42

Savings and clubs 255 256 259

Money market savings 692 536 739

Certificates of deposit 1,836 1,938 2,441

Mortgagors deposits 30 34 37

Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits 2,858 2,804 3,518

Penalty for early withdrawal of certificates of deposit (5) (7) (10)

Total interest expense $ 2,853 $ 2,797 $ 3,508

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest expense on domestic checking deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseDomesticDepositLiabilitiesChecking

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Early withdrawal penalties on domestic deposits which discourage customer withdrawal prior to maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseDomesticDepositLiabilitiesWithdrawalPenalties

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Interest expense incurred on all money market deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseMoneyMarketDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate interest expense incurred on the following for deposits in domestic offices: (1) transaction accounts (NOW, and telephone and preauthorized transfer accounts), (2) money market deposits and (3) savings deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest expense incurred on other deposits in domestic offices.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseOtherDomesticDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest expense incurred on all savings account deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseSavingsDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate interest expense incurred on time deposits, including certificates of deposits, in domestic offices.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 6

-Article 9

+ Details

Name: us-gaap_InterestExpenseTimeDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 101 R102.htm IDEA: XBRL DOCUMENT v3.2.0.727

Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Cash Flow (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Jun. 30, 2011

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2003

Net Income (Loss) Attributable to Parent $ 364 $ (836)

Increase (decrease) in other assets (4,872) 207

Increase (decrease) in other liabilities 2,143 (563)

Net Cash Provided by (Used in) Operating Activities 3,833 15,546

Proceeds from Issuance of Convertible Preferred Stock $ 55,000

Net Cash Provided by (Used in) Investing Activities (106,790) (5,289)

Treasury Stock, Value, Acquired, Cost Method 4 (5)

Proceeds from (Payments for) Other Financing Activities 13,000 (6,000) $ 400

Net cash (used in) provided by financing activities 31,395 7,651

Cash and Cash Equivalents, Period Increase (Decrease) (71,562) 17,908

Parent Company [Member]

Net Income (Loss) Attributable to Parent 364 (836) $ 662

Income (Loss) from Subsidiaries, before Tax 1,218 14 1,561

Increase (Decrease) Due from Affiliates (2) (3) (1)

Increase (decrease) in other assets 17 (18) (9)

Increase (decrease) in accounts payable to subsidiaries 371 422 399

Increase (decrease) in other liabilities 476 461 386

Other, net 2 3 33

Net Cash Provided by (Used in) Operating Activities 10 15 (91)

Debt Instrument, Increase, Additional Borrowings 0 0 0

Treasury Stock, Value, Acquired, Cost Method 0 0 (30)

Proceeds from (Payments for) Other Financing Activities 0 0 0

Net cash (used in) provided by financing activities 0 0 (30)

Cash and Cash Equivalents, Period Increase (Decrease) 10 15 (121)

Cash - beginning 4,669 4,654 4,775

Cash - end $ 4,679 $ 4,669 $ 4,654

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_Cash

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 830

-SubTopic 230

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6450594&loc=d3e33268-110906

+ Details

Name: us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount before tax of income (loss) of subsidiary attributable to the parent entity.
+ References
No definition available.
+ Details

Name: us-gaap_IncomeLossFromSubsidiariesBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in receivables to be collected from an entity that is controlling, under the control of, or within the same control group as the reporting entity by means of direct or indirect ownership.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseDueFromAffiliates

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) in obligations owed to an entity that is controlling, under the control of, or within the same control group as the reporting entity by means of direct or indirect ownership.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInDueToAffiliates

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other assets used in operating activities less other operating liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets and liabilities, other noncurrent assets and liabilities, or a combination of other current and noncurrent assets and liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow from issuance of preferred stocks identified as being convertible into another form of financial instrument, typically the entity's common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow during the period from additional borrowings in aggregate debt. Includes proceeds from short-term and long-term debt.
+ References
No definition available.
+ Details

Name: us-gaap_ProceedsFromIssuanceOfDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3095-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3098-108585

+ Details

Name: us-gaap_ProceedsFromPaymentsForOtherFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6405813&loc=d3e23239-112655

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_TreasuryStockValueAcquiredCostMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: dei_LegalEntityAxis=us-gaap_ParentCompanyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 102 R63.htm IDEA: XBRL DOCUMENT v3.2.0.727

Deposits Deposits and interest rates (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Deposits, by Type [Abstract]

Noninterest-bearing demand $ 50,731 $ 53,232

Interest-bearing checking 30,860 24,271

Savings 95,009 98,051

Money market 148,702 127,655

Certificates of deposit 200,123 203,907

Mortgagors deposits 2,336 2,250

Deposits $ 527,761 $ 509,366

Percentage of Total Deposits [Abstract]

Percentage of Noninterest bearing demand deposits to deposits 9.61% 10.45%

Percentage of Interest-bearing Domestic Deposits to Deposits 5.85% 4.76%

Percentage of Interest-bearing Domestic Deposits to Deposits, Savings 18.00% 19.26%

Percentage of Interest-bearing Domestic Deposits to Deposits, Money Market 28.18% 25.06%

Percentage of Interest-bearing Domestic Deposits to Deposits, Certificates of Deposit 37.92% 40.03%

Percentage of other deposits to deposits 0.44% 0.44%

Percent Total Deposits 100.00% 100.00%

Weighted Average Rate Domestic Deposit Liabilities [Abstract]

Weighted Average Rate Domestic Deposit, Demand 0.00% 0.00%

Weighted Average Rate Domestic Deposit, Checking 0.16% 0.16%

Weighted Average Rate Domestic Deposit, Savings 0.27% 0.27%

Weighted Average Rate Domestic Deposit, Money Market 0.49% 0.46%

Weighted Average Rate Domestic Deposit, Certificates of Deposit 0.93% 1.01%

Weighted Average Rate-Other Deposit 1.53% 1.73%

Weighted Average Rate Domestic Deposit 0.55% 0.59%

X

- Definition
Other Deposits
+ References
No definition available.
+ Details

Name: carv_OtherDeposits

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Percent Total Deposits
+ References
No definition available.
+ Details

Name: carv_PercentTotalDeposits

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage of Noninterest bearing demand deposits to deposits
+ References
No definition available.
+ Details

Name: carv_PercentageOfNoninterestBearingDemandDepositsToDeposits

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage of other deposits to deposits
+ References
No definition available.
+ Details

Name: carv_PercentageOfOtherDepositsToDeposits

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage of Total Deposits [Abstract]
+ References
No definition available.
+ Details

Name: carv_PercentageofTotalDepositsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted Average Rate-Other Deposit
+ References
No definition available.
+ Details

Name: carv_WeightedAverageRateOtherDeposit

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsByTypeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_DepositsMoneyMarketDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_DepositsSavingsDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest-bearing domestic checking deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_InterestBearingDomesticDepositChecking

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_NoninterestBearingDepositLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Percentage of interest-bearing domestic deposit liabilities to total deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_PercentageOfInterestBearingDomesticDepositsToDeposits

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage of interest-bearing domestic certificates of deposit liabilities to total deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage of interest-bearing domestic money market demand account deposit liabilities to total deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Percentage of interest-bearing domestic savings deposit liabilities to total deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_TimeDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The weighted average interest rate for all domestic deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDeposit

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average interest rate for domestic certificates of deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average interest rate for domestic checking deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDepositChecking

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average interest rate for domestic demand deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDepositDemand

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average interest rate for domestic money market demand account deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDepositMoneyMarket

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average interest rate for domestic savings deposit liabilities.
+ References
No definition available.
+ Details

Name: us-gaap_WeightedAverageRateDomesticDepositSavings

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

XML 103 R92.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements Assets classified within Level 3 valuation (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2012

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Available-for-sale $ 101,185 $ 89,461

Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale 16,209 51,592

Change in unrealized gain (loss) of securities available-for-sale, net 3,731 (5,282)

Servicing Asset at Fair Value, Amount 210 265

Fair Value, Inputs, Level 3 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Available-for-sale 47 49 $ 50

Available-for-sale Securities, Gross Unrealized Gain (Loss) ^[1] 0 0

Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale (2) (1)

Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net 0 0

Change in unrealized gain (loss) of securities available-for-sale, net 0 0

Servicing Asset at Fair Value, Amount 210 265 $ 275

Mortgage Servicing unrealized loss ^[1] (55) $ (10)

Payments for (Proceeds from) Mortgage Servicing Rights 0 0

Change in unrealized gains and losses to instruments held $ (51) $ (7)

[1] (1) Includes net servicing cash flows and the passage of time.

X

- Definition
Change in unrealized gains and losses to instruments held
+ References
No definition available.
+ Details

Name: carv_ChangeInUnrealizedGainsAndLossesToInstrumentsHeld

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Mortgage Servicing unrealized loss
+ References
No definition available.
+ Details

Name: carv_MortgageServicingUnrealizedLoss

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of unrealized gain (loss) on investments in debt and equity securities classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGainLoss1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of transfer of financial instrument classified as an asset into (out of) level 3 of the fair value hierarchy.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash outflow or inflow associated with acquisition or sale of mortgage servicing rights which is the net carrying value of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. Rights may be obtained via (1) acquisition or assumption of a servicing obligation that does not relate to financial assets of the servicer or its consolidated affiliates; or (2) by originating mortgage loans and then (a) transferring the loans to a Variable Interest Entity (VIE) in a transaction that meets the necessary transfer and classification requirements, or (b) transferring the loans in a transaction that meets the requirements for sale accounting.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_PaymentsForProceedsFromMortgageServicingRights

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746

+ Details

Name: us-gaap_ServicingAssetAtFairValueAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: carv_Level3ClassifiedAssetsAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 104 R34.htm IDEA: XBRL DOCUMENT v3.2.0.727

Income Taxes (Tables)
12 Months Ended

Mar. 31, 2015

INCOME TAXES [Abstract]

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]
The components of income tax expense for the years ended March 31 are as follow:
$ in thousands

2015

2014

2013
Income tax expense (benefit):

    Current - Federal

$
—

$
(35
)

$
149

    Current - State

166

137

179

Total income tax expense (benefit)

$
166

$
102

$
328

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
The following is a reconciliation of the expected Federal income tax rate to the consolidated effective tax rate for the years ended March 31:

2015

2014

2013
$ in thousands
Amount

Percent

Amount

Percent

Amount

Percent
Statutory Federal income tax expense (benefit)
$
240

34.0
%

$
(250
)

34.0
%

$
337

34.0
%
State and local income tax, net of Federal tax benefit
41

5.8

(16
)

2.1

49

4.9

General business credit
(32
)

(4.6
)

(32
)

4.4

(32
)

(3.3
)
Difference in rates
(1,568
)

(222.4
)

(1,068
)

145.5

—

—

Valuation Allowance
741

105.0

(204
)

27.7

795

80.3

Write off DTA due to Section 382 limitation
—

—

1,132

(154.1
)

(1,363
)

(137.7
)
True-ups/Adjustments
743

103.6

255

(34.7
)

524

53.1

Other
1

2.2

285

(38.8
)

18

1.8

Total income tax expense
$
166

23.6
%

$
102

(13.9
)%

$
328

33.1
%

Deferred Tax Assets and Liabilities [Table Text Block]
Tax effects of existing temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities are included in other assets at March 31 as follows:
$ in thousands
2015

2014
Deferred Tax Assets:

Allowance for loan losses
$
1,681

$
2,373

Deferred loan costs, net
(162
)

193

Nonaccrual loan interest
68

64

Purchase accounting adjustment
23

44

Net operating loss carryforward
17,394

15,181

New markets tax credit
2,207

2,175

Depreciation
977

782

Market value adjustment on HFS loans
464

752

Unrealized loss on available-for-sale securities
448

1,908

Other
947

577

Total Deferred Tax Assets
24,047

24,049

Deferred Tax Liabilities:

Income from affiliate
671

(46
)
Total Deferred Tax Liabilities
671

(46
)
Deferred Tax Assets, net
23,376

24,095

Valuation Allowance
(23,376
)

(24,095
)
Deferred Tax Assets, net of valuation allowance
$
—

$
—

X

- Definition
INCOME TAXES [Abstract]
+ References
No definition available.
+ Details

Name: carv_IncomeTaxesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

+ Details

Name: us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

+ Details

Name: us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

+ Details

Name: us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 105 R51.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans receivable, net of allowance for loan losses (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2012

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount $ 481,463 $ 389,814

Percentage of Loan Type 100.00% 100.00%

Receivable with Imputed Interest, Premium $ 2,233 $ 957

Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums (503) (815)

Allowance for loan losses (4,477) (7,233) $ (10,989) $ (19,821)

Loans and Leases Receivable, Net Reported Amount 478,716 382,723

Loans held-for-sale (HFS) 2,576 5,011

One- to four family loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount $ 125,020 $ 111,220

Percentage of Loan Type 26.00% 29.00%

Allowance for loan losses $ (1,989) $ (3,377) (3,496)

Multifamily Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount $ 93,780 $ 47,399

Percentage of Loan Type 19.00% 12.00%

Allowance for loan losses $ (534) $ (308) (408)

Commercial Real Estate Portfolio Segment [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount $ 186,443 $ 198,808

Percentage of Loan Type 39.00% 51.00%

Allowance for loan losses $ (1,029) $ (1,835) (3,298)

Construction Loans [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount $ 5,107 $ 5,100

Percentage of Loan Type 1.00% 1.00%

Allowance for loan losses $ (99) $ 0 0

Commercial Loan [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount $ 70,679 $ 27,149

Percentage of Loan Type 15.00% 7.00%

Allowance for loan losses $ (813) $ (1,705) (3,759)

Consumer Loan [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans and Leases Receivable, Gross, Carrying Amount ^[1] $ 434 $ 138

Percentage of Loan Type ^[1] 0.00% 0.00%

Allowance for loan losses $ (13) $ (8) $ (28)

[1] (1) Includes personal loans

X

- Definition
Percentage of Loan Type
+ References
No definition available.
+ Details

Name: carv_PercentageOfLoanType

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_AccountsNotesAndLoansReceivableLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Disclosure of the unamortized amount of the premium on the note or receivable which is added to the face amount of the receivable or loan. The discount or premium is defined as the difference between the present value and the face amount.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 835

-SubTopic 30

-Section 45

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28541-108399

+ Details

Name: us-gaap_ReceivableWithImputedInterestPremium

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of deferred fees paid by borrowers and unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield. Excludes amounts for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6378536&loc=d3e10092-111533

+ Details

Name: us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_MultifamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 106 R21.htm IDEA: XBRL DOCUMENT v3.2.0.727

Commitments and Contingencies (Notes)
12 Months Ended

Mar. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies Disclosure [Text Block]
COMMITMENTS AND CONTINGENCIES

Credit Related Commitments.  The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and in connection with its overall investment strategy. These instruments involve, to varying degrees, elements of credit, interest rate and liquidity risk. In accordance with GAAP, these instruments are not recorded in the consolidated financial statements. Such instruments primarily include lending obligations, including commitments to originate mortgage and consumer loans and to fund unused lines of credit.

The Bank's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual notional amount of those instruments. The Bank uses the same credit policies making commitments as it does for on-balance-sheet instruments.

The Bank had outstanding lending commitments and contractual obligations at March 31 as follows:
$ in thousands
2015

2014
Commitments to fund mortgage loans
$
30,972

$
5,750

Commitments to fund commercial and consumer loans
8,963

—

Lines of credit
5,355

6,140

Letters of credit
234

245

$
45,524

$
12,135

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Bank upon extension of credit is based on management's credit evaluation of the counterparty.

Mortgage Representation & Warranty Liabilities

During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”). The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSE's). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.

The following table presents information on open requests from FNMA. The amounts presented are based on outstanding loan principal balances.
$ in thousands

Loans sold to FNMA
Open claims as of March 31, 2014 ⁽¹⁾

$
2,075

Gross new demands received

129

Loans repurchased/made whole

(129
)
Principal payments received on open claims

(30
)
Open claims as of March 31, 2015 ⁽¹⁾

$
2,045

⁽¹⁾
The open claims include all open requests received by the Bank where either FNMA has requested loan files for review, where FNMA has not formally rescinded the repurchase request or where the Bank has not agreed to repurchase the loan. The amounts reflected in this table are the unpaid principal balance and do not incorporate any losses the Bank would incur upon the repurchase of these loans.

The table below summarizes changes in our representation and warranty reserves during fiscal 2015.
$ in thousands

March 31, 2015
Representation and warranty repurchase reserve, as of March 31, 2014 ⁽¹⁾

$
287

Net provision for repurchase losses ⁽²⁾

119

Net realized losses ⁽²⁾

—

Representation and warranty repurchase reserve, as of March 31, 2015 ⁽¹⁾

$
406

⁽¹⁾Reported in consolidated statements of financial condition as a component of other liabilities.
⁽²⁾ Component of other non-interest expense.

Lease Commitments.  Rentals under long-term operating leases for certain branches aggregated approximately $1.6 million, $1.5 million and $1.8 million for fiscal years 2015, 2014, and 2013, respectively. As of March 31, 2015, minimum rental commitments under all non-cancelable leases with initial or remaining terms of more than one year and expiring through 2025 follow:
$ in thousands

Year Ending March 31,

Minimum
Rental

Sublet
Income

Net
2015

$
1,558

$
—

$
1,558

2016

1,515

—

1,515

2017

1,543

—

1,543

2018

1,130

—

1,130

2019

1,032

—

1,032

Thereafter

3,364

—

3,364

$
10,142

$
—

$
10,142

The Bank also has, in the normal course of business, commitments for services and supplies.

Legal Proceedings.  From time to time, the Company and the Bank or one of its wholly owned subsidiaries are parties to various legal proceedings incident to their business. Certain claims, suits, complaints and investigations (collectively “proceedings”) involving the Company and the Bank or a subsidiary, arising in the ordinary course of business, have been filed or are pending. The Company is unable at this time to determine the ultimate outcome of each proceeding, but believes, after discussions with legal counsel representing the Company and the Bank or the subsidiary in these proceedings, that it has meritorious defenses to each proceeding and appropriate measures have been taken to defend the interests of the Company, Bank or subsidiary. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the financial condition or results of operations of the Company or the Bank. Further, there have been no material developments or changes associated with any litigation matters previously reported by the Company or the Bank.

In accordance with ASC Topic 450, Carver has accrued $30,000 for these lawsuits.

X

- References
No definition available.
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for commitments and contingencies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 460

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 450

-SubTopic 20

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14435-108349

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.25)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 440

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308

+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 107 R26.htm IDEA: XBRL DOCUMENT v3.2.0.727

Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Notes)
12 Months Ended

Mar. 31, 2015

Carver Bancorp, Inc.-Parent Company Only [Abstract]

Condensed Financial Information of Parent Company Only Disclosure [Text Block]
CARVER BANCORP, INC.  - PARENT COMPANY ONLY

X

- Definition
Carver Bancorp, Inc.-Parent Company Only [Abstract]
+ References
No definition available.
+ Details

Name: carv_CarverBancorpIncParentCompanyOnlyAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=7656940&loc=d3e5283-111683

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 3

-Subparagraph (SX 210.12-04)

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e24072-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph c

-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 06

-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 12

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 05

-Paragraph c

-Article 7

+ Details

Name: us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 108 R95.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Restricted cash $ 6,354 $ 6,354

Available-for-sale 101,185 89,461

Federal Home Loan Bank of New York (“FHLB-NY”) stock 3,519 3,101

Held-to-maturity securities fair value 12,231 8,971

Held-to-maturity 11,922 9,029

Loans held-for-sale (HFS) 2,576 5,011

Interest Receivable 2,781 2,557

Servicing Asset at Fair Value, Amount 210 265

Deposits 527,761 509,366

Fair Value, Inputs, Level 1 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and Cash Equivalents 50,992 122,554

Restricted cash 0 0

Available-for-sale 0 0

Federal Home Loan Bank of New York (“FHLB-NY”) stock 0 0

Held-to-maturity securities fair value 0 0

Loans receivable 0 0

Loans held-for-sale (HFS) 0 0

Interest Receivable 0 0

Servicing Asset at Fair Value, Amount 0 0

Deposits 309,897 287,767

Federal Home Loan Bank Borrowings 0 0

Subordinated Debt Obligations, Fair Value Disclosure 0 0

Fair Value, Inputs, Level 2 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and Cash Equivalents 0 0

Restricted cash 6,354 6,354

Available-for-sale 101,138 89,412

Federal Home Loan Bank of New York (“FHLB-NY”) stock 3,519 3,101

Held-to-maturity securities fair value 12,231 8,971

Loans receivable 0 0

Loans held-for-sale (HFS) 2,576 5,011

Interest Receivable 2,781 2,557

Servicing Asset at Fair Value, Amount 0 0

Deposits 201,263 206,155

Federal Home Loan Bank Borrowings 65,827 53,294

Subordinated Debt Obligations, Fair Value Disclosure 18,931 18,915

Fair Value, Inputs, Level 3 [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and Cash Equivalents 0 0

Restricted cash 0 0

Available-for-sale 47 49

Federal Home Loan Bank of New York (“FHLB-NY”) stock 0 0

Held-to-maturity securities fair value 0 0

Loans receivable 485,458 382,604

Loans held-for-sale (HFS) 0 0

Interest Receivable 0 0

Servicing Asset at Fair Value, Amount 210 265

Deposits 0 0

Federal Home Loan Bank Borrowings 0 0

Subordinated Debt Obligations, Fair Value Disclosure 0 0

Carrying (Reported) Amount, Fair Value Disclosure [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and Cash Equivalents 50,992 122,554

Loans receivable 478,716 382,723

Deposits 527,761 509,366

Federal Home Loan Bank Borrowings 65,000 52,000

Subordinated Debt Obligations, Fair Value Disclosure 18,403 18,403

Estimate of Fair Value, Fair Value Disclosure [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and Cash Equivalents 50,992 122,554

Restricted cash 6,354 6,354

Available-for-sale 101,185 89,461

Federal Home Loan Bank of New York (“FHLB-NY”) stock 3,519 3,101

Held-to-maturity securities fair value 12,231 8,971

Loans receivable 485,458 382,604

Loans held-for-sale (HFS) 2,576 5,011

Interest Receivable 2,781 2,557

Servicing Asset at Fair Value, Amount 210 265

Deposits 511,160 493,922

Federal Home Loan Bank Borrowings 65,827 53,294

Subordinated Debt Obligations, Fair Value Disclosure $ 18,931 $ 18,915

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

+ Details

Name: us-gaap_CashAndCashEquivalentsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

+ Details

Name: us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value portion of borrowing from Federal Home Loan Bank (FHLBank).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 325

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6478792&loc=d3e63345-112809

+ Details

Name: us-gaap_FederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.1)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.6)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_HeldToMaturitySecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount of interest earned but not received (also called accrued interest or accrued interest receivable) and carrying amounts of assets not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_InterestReceivableAndOtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Glossary Loan

-URI http://asc.fasb.org/extlink&oid=6517073

+ Details

Name: us-gaap_LoansReceivableFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_RestrictedCashAndCashEquivalents

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746

+ Details

Name: us-gaap_ServicingAssetAtFairValueAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 109 R49.htm IDEA: XBRL DOCUMENT v3.2.0.727

Investment Securities Carrying Value (Amortized Cost) and Fair Value by remaining period of contractual maturity (Details) - USD ($)
$ in Thousands

Mar. 31, 2015

Mar. 31, 2014

INVESTMENT SECURITIES [Abstract]

Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis $ 5,533

Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value $ 5,533

Available-for-sale, Securities, Debt Maturities, within One Year, Weighted Average Rate 0.25%

Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis $ 16,481

Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value $ 16,483

Available-for-sale Securities, Debt Maturities, after One Through Five Years, Weighted Average Rate 1.28%

Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis $ 27,711

Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value $ 27,394

Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Weighted Average Rate 1.87%

Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis $ 52,505

Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value $ 51,775

Available-for-sale Securities, Debt Maturities, after Ten Years, Weighted Average Rate 1.60%

Available-for-sale Securities, Debt Maturities, Amortized Cost Basis $ 102,230

Available-for-sale $ 101,185 $ 89,461

Available-for-sale Securities, Debt Maturities, Weighted Average Rate 1.55%

Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount $ 6,347

Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value $ 6,453

Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Weighted Average Rate 2.62%

Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount $ 5,575

Held-to-maturity Securities, Debt Maturities, after Ten Years, Fair Value $ 5,778

Held-to-maturity Securities, Debt Maturities, after Ten Years, Weighted Average Rate 2.70%

Held-to-maturity $ 11,922 9,029

Held-to-maturity securities fair value $ 12,231 $ 8,971

Held-to-maturity Securities, Debt Maturities, Weighted Average Rate 2.66%

X

- Definition
Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Available-for-sale Securities, Debt Maturities, after One Through Five Years, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Available-for-sale Securities, Debt Maturities, after Ten Years, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Available-for-sale Securities, Debt Maturities, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Available-for-sale, Securities, Debt Maturities, within One Year, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Held-to-maturity Securities, Debt Maturities, after Ten Years, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Held-to-maturity Securities, Debt Maturities, Weighted Average Rate
+ References
No definition available.
+ Details

Name: carv_HeldToMaturitySecuritiesDebtMaturitiesWeightedAverageRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
INVESTMENT SECURITIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_InvestmentSecuritiesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing after the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.1)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.6)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_HeldToMaturitySecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of held-to-maturity debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)(3)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

+ Details

Name: us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the fifth through tenth fiscal year following the latest fiscal year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)(3)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

+ Details

Name: us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of held-to-maturity debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)(4)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

+ Details

Name: us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing after the tenth fiscal year following the latest fiscal year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)(4)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of investments in debt securities classified as held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

+ Details

Name: us-gaap_HeldToMaturitySecuritiesFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 110 R41.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value of Financial Instruments (Tables)
12 Months Ended

Mar. 31, 2015

FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]

Fair Value, by Balance Sheet Grouping [Table Text Block]
The carrying amounts and estimated fair values of the Bank's financial instruments and estimation methodologies at March 31 are as follows:

March 31, 2015
$ in thousands

Carrying
Amount

Estimated
Fair Value

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)
Financial Assets:

Cash and cash equivalents

$
50,992

$
50,992

$
50,992

$
—

$
—

Restricted cash

6,354

6,354

—

6,354

—

Securities available-for-sale

101,185

101,185

—

101,138

47

FHLB Stock

3,519

3,519

—

3,519

—

Securities held-to-maturity

11,922

12,231

—

12,231

—

Loans receivable

478,716

485,458

—

—

485,458

Loans held-for-sale

2,576

2,576

—

2,576

—

Accrued interest receivable

2,781

2,781

—

2,781

—

Mortgage servicing rights

210

210

—

—

210

Financial Liabilities:

Deposits

$
527,761

$
511,160

$
309,897

$
201,263

$
—

Advances from FHLB of New York

65,000

65,827

—

65,827

—

Other borrowed money

18,403

18,931

—

18,931

—

March 31, 2014
$ in thousands

Carrying
Amount

Estimated
Fair Value

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)
Financial Assets:

Cash and cash equivalents

$
122,554

$
122,554

$
122,554

$
—

$
—

Restricted cash

6,354

6,354

—

6,354

—

Securities available-for-sale

89,461

89,461

—

89,412

49

FHLB Stock

3,101

3,101

—

3,101

—

Securities held-to-maturity

9,029

8,971

—

8,971

—

Loans receivable

382,723

382,604

—

—

382,604

Loans held-for-sale

5,011

5,011

—

5,011

—

Accrued interest receivable

2,557

2,557

—

2,557

—

Mortgage servicing rights

265

265

—

—

265

Financial Liabilities:

Deposits

$
509,366

$
493,922

$
287,767

$
206,155

$
—

Advances from FHLB of New York

52,000

53,294

—

53,294

—

Other borrowed money

18,403

18,915

—

18,915

—

X

- Definition
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
+ References
No definition available.
+ Details

Name: carv_FairValueOfFinancialInstrumentsAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13476-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13467-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 30

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueByBalanceSheetGroupingTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 111 R5.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Comprehensive Income (Loss) Statement - Scenario, Unspecified [Domain] - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Net (loss) / income attributable to Carver Bancorp, Inc. $ 364 $ (836)

Other comprehensive (loss) income, net of tax [Abstract]

Change in unrealized gain (loss) of securities available-for-sale, net 3,731 (5,282)

Change in pension obligations 0 71

Reclassification adjustments for sales of available-for-sale securities, net of tax 8 552

Reclassification adjustment for termination of pension plan, net of tax 0 (1,148)

Other Comprehensive Income (Loss), Net of Tax 3,723 (4,615)

Comprehensive Income (Loss), Net of Tax, Attributable to Carver Bancorp, Inc. $ 4,087 $ (5,451)

X

- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=6519514

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=35737396

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e557-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=6518256

+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net result for the period of deducting operating expenses from operating revenues.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax and reclassification adjustments of other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669619-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (i-k)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount after tax of reclassification adjustment from accumulated other comprehensive (income) loss related to net period benefit cost (credit) for pension and other postretirement defined benefit plans.
+ References
No definition available.
+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 112 R88.htm IDEA: XBRL DOCUMENT v3.2.0.727

Commitments and Contingencies Representation and warranty reserve (Details)
$ in Thousands
12 Months Ended

Mar. 31, 2015

USD ($)

Representation and warranty reserve [Abstract]

Representation and warranty repurchase reserve, beginning of period ^[1] $ 287

Provision for mortgage representation and warranty losses ^[2] 119

Net realized losses ^[2] 0

Representation and warranty repurchase reserve, end of period ^[1] $ 406

[1] (1) Reported in consolidated statements of financial condition as a component of other liabilities.

[2] (2) Component of other non-interest expense.

X

- Definition
Representation and warranty reserve [Abstract]
+ References
No definition available.
+ Details

Name: carv_RepresentationAndWarrantyReserveAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of loss contingency liability.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 450

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14326-108349

+ Details

Name: us-gaap_LossContingencyAccrualAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of payments made reducing loss contingency liability.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 450

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14326-108349

+ Details

Name: us-gaap_LossContingencyAccrualCarryingValuePayments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount charged against operating income increasing loss contingency liability, after adjustments to reduce previously estimated charges.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 450

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14326-108349

+ Details

Name: us-gaap_LossContingencyAccrualProvision

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 113 R10.htm IDEA: XBRL DOCUMENT v3.2.0.727

Investment Securities
12 Months Ended

Mar. 31, 2015

INVESTMENT SECURITIES [Abstract]

Investment Securities [Text Block]
INVESTMENT SECURITIES

The Bank utilizes mortgage-backed and other investment securities in its asset/liability management strategy. In making investment decisions, the Bank considers, among other things, its yield and interest rate objectives, its interest rate and credit risk position, and its liquidity and cash flow.

Generally, the investment policy of the Bank is to invest funds among categories of investments and maturities based upon the Bank’s asset/liability management policies, investment quality, loan and deposit volume and collateral requirements, liquidity needs and performance objectives. ASC 320-10-25 requires that securities be classified into three categories: trading, held-to-maturity, and available-for-sale. At March 31, 2015, $101.2 million, or 89.5%, of the Bank’s mortgage-backed and other investment securities were classified as available-for-sale, and the remaining $11.9 million, or 10.5%, were classified as held-to-maturity. The Bank had no securities classified as trading at March 31, 2015.

The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at March 31, 2015:

Amortized

Gross Unrealized

Estimated
$ in thousands
Cost

Gains

Losses

Fair-Value
Available-for-Sale:

Mortgage-backed securities:

Government National Mortgage Association
$
5,575

$
9

$
(57
)

$
5,527

Federal Home Loan Mortgage Corporation
10,705

10

(127
)

10,588

Federal National Mortgage Association
10,925

35

(103
)

10,857

Other
47

—

—

47

Total mortgage-backed securities
27,252

54

(287
)

27,019

U.S. Government Agency Securities
58,464

48

(662
)

57,850

Other investments
16,514

—

(198
)

16,316

Total available-for-sale
102,230

102

(1,147
)

101,185

Held-to-Maturity:

Mortgage-backed securities:

Government National Mortgage Association
3,100

232

—

3,332

Federal National Mortgage Association
8,655

77

—

8,732

Total held-to-maturity mortgage-backed securities
11,755

309

—

12,064

Other investments
167

—

—

167

Total held-to-maturity
11,922

309

—

12,231

Total securities
$
114,152

$
411

$
(1,147
)

$
113,416

The following table sets forth the amortized cost and estimated fair value of securities available-for-sale and held-to-maturity at March 31, 2014:

Amortized

Gross Unrealized

Estimated
$ in thousands
Cost

Gains

Losses

Fair Value
Available-for-Sale:

Mortgage-backed securities:

  Government National Mortgage Association
$
5,972

$
—

$
(307
)

$
5,665

  Federal Home Loan Mortgage Corporation
12,160

—

(564
)

11,596

  Federal National Mortgage Association
10,897

—

(466
)

10,431

  Other
49

—

—

49

    Total mortgage-backed securities
29,078

—

(1,337
)

27,741

U.S. Government Agency Securities
55,155

—

(2,966
)

52,189

Other investments
10,000

—

(469
)

9,531

    Total available-for-sale
94,233

—

(4,772
)

89,461

Held-to-Maturity:

Mortgage-backed securities:

  Government National Mortgage Association
3,743

225

—

3,968

  Federal National Mortgage Association
5,079

—

(283
)

4,796

    Total held-to-maturity mortgage-backed securities
8,822

225

(283
)

8,764

Other investments
207

—

—

207

Total held-to-maturity
9,029

225

(283
)

8,971

Total securities
$
103,262

$
225

$
(5,055
)

$
98,432

The following is a summary regarding proceeds from securities sales of the available-for-sale and held-to-maturity portfolios for the years ended March 31:
$ in thousands
2015

2014

2013
Available-for-Sale:

Proceeds
$
994

$
38,991

$
31,567

Gross gains
8

513

174

Gross losses
—

2

—

Held-to-Maturity:

Proceeds
—

2,814

—

Gross gains
—

43

—

Gross losses
—

2

—

There were no sales of held-to-maturity securities in fiscal years 2015 or 2013. In fiscal 2014, $2.8 million of held-to-maturity securities were sold, generating net gains of $41 thousand. These securities had been classified as matured under ASC Topic 320, as the principal repayments exceeded 85% of the initial principal. The net unrealized loss on available-for-sale securities was $1.0 million at March 31, 2015, compared to $4.8 million at March 31, 2014.

The Bank's investment portfolio is comprised primarily of fixed-rate mortgage-backed securities guaranteed by a Government Sponsored Enterprise (“GSE”) as issuer and Agency securities. Carver maintains a portfolio of mortgage-backed securities in the form of Government National Mortgage Association (“GNMA”) pass-through certificates, Federal National Mortgage Association (“FNMA”) and Federal Home Loan Mortgage Corporation (“FHLMC”) participation certificates. GNMA pass-through certificates are guaranteed as to the payment of principal and interest by the full faith and credit of the United States Government, while FNMA and FHLMC certificates are each guaranteed by their respective agencies as to principal and interest. Based on the high quality of the Bank's investment portfolio, current market conditions have not significantly impacted the pricing of the portfolio or the Bank's ability to obtain reliable prices.

At March 31, 2015 the Bank pledged securities of $42.2 million as collateral for advances from the FHLB-NY.

The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at March 31, 2015 for less than 12 months and 12 months or longer:

Less than 12 months

12 months or longer

Total
$ in thousands
Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value
Available-for-Sale:

Mortgage-backed securities
$
—

$
—

$
(287
)

$
22,297

$
(287
)

$
22,297

U.S. Government Agency Securities
(57
)

12,943

(605
)

26,400

(662
)

39,343

Other investments ⁽¹⁾
—

—

(198
)

9,802

(198
)

9,802

  Total available-for-sale securities
(57
)

12,943

(1,090
)

58,499

(1,147
)

71,442

Total securities
$
(57
)

$
12,943

$
(1,090
)

$
58,499

$
(1,147
)

$
71,442

The following table sets forth the unrealized losses and fair value of securities in an unrealized loss position at March 31, 2014 for less than 12 months and 12 months or longer:

Less than 12 months

12 months or longer

Total
$ in thousands
Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value

Unrealized
Losses

Fair
Value
Available-for-Sale:

Mortgage-backed securities
$
(322
)

$
7,569

$
(1,015
)

$
20,123

$
(1,337
)

$
27,692

U.S. Government Agency Securities
(1,646
)

34,074

(1,320
)

18,115

(2,966
)

52,189

Other investments ⁽¹⁾
(469
)

9,531

—

—

(469
)

9,531

  Total available-for-sale securities
(2,437
)

51,174

(2,335
)

38,238

(4,772
)

89,412

Held-to-Maturity:

Mortgage-backed securities
(283
)

4,796

—

—

(283
)

4,796

Total held-to-maturity securities
(283
)

4,796

—

—

(283
)

4,796

Total securities
$
(2,720
)

$
55,970

$
(2,335
)

$
38,238

$
(5,055
)

$
94,208

⁽¹⁾CRA fund comprised of over 95% agency securities

A total of 23 securities had an unrealized loss at March 31, 2015 compared to 34 at March 31, 2014. The majority of the securities in an unrealized loss position were U.S. Government Agency securities and mortgage-backed securities, representing 68.8% and 31.2% of total securities in an unrealized loss position at March 31, 2015. There were eight mortgage-backed securities and ten U.S. Government Agency securities in an unrealized loss position that had an unrealized loss for more than 12 months at March 31, 2015. The cause of the temporary impairment is directly related to changes in interest rates. In general, as interest rates decline, the fair value of securities will rise, and conversely as interest rates rise, the fair value of securities will decline.  Management considers fluctuations in fair value as a result of interest rate changes to be temporary, which is consistent with the Bank's experience.  The impairments are deemed temporary based on the direct relationship of the rise in fair value to movements in interest rates, the life of the investments and their high credit quality. Given the high credit quality of the securities which are backed by the U.S. government's guarantees, the risk of credit loss is minimal. Management believes that these unrealized losses are a direct result of the current rate environment and has the ability and intent to hold the securities until maturity or the valuation recovers.

The amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Company will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss). At March 31, 2015 and 2014, the Bank does not have any securities that are classified as having other-than-temporary impairment in its investment portfolio.

The following is a summary of the carrying value (amortized cost) and fair value of securities at March 31, 2015, by remaining period to contractual maturity (ignoring earlier call dates, if any).  Actual maturities may differ from contractual maturities because certain security issuers have the right to call or prepay their obligations.  The table below does not consider the effects of possible prepayments or unscheduled repayments.
$ in thousands
Amortized Cost

Fair Value

Weighted
Average Yield
Available-for-Sale:

Less than one year
$
5,533

$
5,533

0.25
%
One through five years
16,481

16,483

1.28
%
Five through ten years
27,711

27,394

1.87
%
After ten years
52,505

51,775

1.6
%

102,230

101,185

1.55
%
Held-to-maturity:

Five through ten years
6,347

6,453

2.62
%
After ten years
5,575

5,778

2.70
%

$
11,922

$
12,231

2.66
%

X

- Definition
INVESTMENT SECURITIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_InvestmentSecuritiesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for investments, including all tables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Article 6

-Section 10

-Paragraph (c)

-Subparagraph (1)

+ Details

Name: invest_InvestmentTextBlock

Namespace Prefix: invest_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 114 R58.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable, Net Troubled Debt Restructurings (Details) - USD ($)
$ in Thousands
12 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Number of Contracts 4 3

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 1,691 $ 1,591

Financing Receivable, Modifications, Post-Modification Recorded Investment $ 1,691 $ 1,586

One- to four family loans [Member]

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Number of Contracts 1 2

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 43 $ 747

Financing Receivable, Modifications, Post-Modification Recorded Investment $ 43 $ 867

weighted average rate pre modification 12.00% 5.51%

Weighted average rate post modification 12.00% 4.69%

Commercial Real Estate Portfolio Segment [Member]

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Number of Contracts 1 0

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 860 $ 0

Financing Receivable, Modifications, Post-Modification Recorded Investment $ 860 $ 0

weighted average rate pre modification 6.60%

Weighted average rate post modification 6.60%

Commercial Loan [Member]

Financing Receivable, Modifications [Line Items]

Financing Receivable, Modifications, Number of Contracts 2 1

Financing Receivable, Modifications, Pre-Modification Recorded Investment $ 788 $ 844

Financing Receivable, Modifications, Post-Modification Recorded Investment $ 788 $ 719

weighted average rate pre modification 8.25% 6.00%

Weighted average rate post modification 8.25% 6.00%

X

- Definition
Weighted average rate post modification on TDR loans
+ References
No definition available.
+ Details

Name: carv_WeightedAverageRatePostModification

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
weighted average rate pre modification rates on TDR loans
+ References
No definition available.
+ Details

Name: carv_WeightedAverageRatePreModification

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableModificationsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of financing receivables that have been modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsNumberOfContracts2

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
Post-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Pre-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=carv_OneToFourFamilyLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 115 R82.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans Actuarial Assumptions for Plan Benefits (Details)
12 Months Ended

Mar. 31, 2013

Mar. 31, 2015

Mar. 31, 2014

Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]

Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Rate of Compensation Increase ^[1] 0.00% 0.00% 0.00%

Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets 8.00%

Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate 3.75%

[1] (1) The annual salary increase rate is not applicable as the plan is frozen and no new benefits accrue.

X

- Definition
The interest rate used to adjust for the time value of money for the plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (k)(1)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Expected rate of compensation increases (for pay-related plans).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (k)(2)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Glossary Expected Long-Term Rate of Return on Plan Assets

-URI http://asc.fasb.org/extlink&oid=6512013

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (k)(3)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedBenefitPlansAndOtherPostretirementBenefitPlansTableTextBlockLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 116 R69.htm IDEA: XBRL DOCUMENT v3.2.0.727

Borrowed Money Borrowed Money Text tag (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended

Sep. 30, 2009

Sep. 30, 2011

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2003

Sep. 17, 2003

Debt Disclosure [Abstract]

Borrowing limit from FHLB % of assets 30.00%

Federal Home Loan Bank, Advances, Activity for Year, Maximum Outstanding at any Month End $ 204,000

Federal Home Loan Bank of New York (“FHLB-NY”) stock 3,519 $ 3,101

Loans Pledged as Collateral 58,400

Financial Instruments, Owned and Pledged as Collateral, at Fair Value 42,200

Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds 6,100

Accrued interest FHLB 0 0

Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term 500 600

Federal Home Loan Bank, Advances, Maturities Summary, Due in Year Five ^[1] 25,000

subordinated debt issued shares 13,000

Liquidation amount subordinated debt $ 1,000

Proceeds from Issuance of Long-term Debt $ 13,000

Proceeds from (Payments for) Other Financing Activities 13,000 $ (6,000) 400

Payments for Repurchase of Trust Preferred Securities $ 13,400

Debt Instrument, Basis Spread on Variable Rate 3.05%

Proceeds from Issuance of Subordinated Long-term Debt $ 5,000

Private placement subordinated debt interest rate last 2 years 12.00%

Private placement subordinated debt reduced interest rate 2.00%

Private placement subordinated debt interest rate 1st 7 years 7.00%

Accrued interest expense subordinated debt 1,600 $ 1,200

Interest Expense, Subordinated Notes and Debentures $ 500 $ 600

[1] (1) Effective rate is 2.13% which includes the net impact of the amortization of the termination fee on restructured borrowing.

X

- Definition
accrued interest expense FHLB
+ References
No definition available.
+ Details

Name: carv_AccruedInterestExpenseFhlb

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Accrued interest expense subordinated debt
+ References
No definition available.
+ Details

Name: carv_AccruedInterestExpenseSubordinatedDebt

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Borrowing limit from FHLB % of assets
+ References
No definition available.
+ Details

Name: carv_BorrowingLimitFromFhlbOfAssets

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Liquidation amount subordinated debt
+ References
No definition available.
+ Details

Name: carv_LiquidationAmountSubordinatedDebt

Namespace Prefix: carv_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Private placement subordinated debt
+ References
No definition available.
+ Details

Name: carv_PrivatePlacementSubordinatedDebt

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Private placement subordinated debt interest rate 1st 7 years
+ References
No definition available.
+ Details

Name: carv_PrivatePlacementSubordinatedDebtInterestRate1St7Years

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Private placement subordinated debt interest rate last 2 years
+ References
No definition available.
+ Details

Name: carv_PrivatePlacementSubordinatedDebtInterestRateLast2Years

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Private placement subordinated debt reduced interest rate
+ References
No definition available.
+ Details

Name: carv_PrivatePlacementSubordinatedDebtReducedInterestRate

Namespace Prefix: carv_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
subordinated debt issued shares
+ References
No definition available.
+ Details

Name: carv_SubordinatedDebtIssuedShares

Namespace Prefix: carv_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_DebtDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage points added to the reference rate to compute the variable rate on the debt instrument.
+ References
No definition available.
+ Details

Name: us-gaap_DebtInstrumentBasisSpreadOnVariableRate1

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of advances or credit lines available from the Federal Home Loan Bank (FHLB).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.22 (b))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 22

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 13

-Subparagraph 3(a)

-Article 9

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of maximum advances or credit lines available from the Federal Home Loan Bank (FHLB).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(3)(a))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.22 (b))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 22

-Subparagraph b

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 13

-Subparagraph 3(a)

-Article 9

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 470

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 470

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 325

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6478792&loc=d3e63345-112809

+ Details

Name: us-gaap_FederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The fair value as of the balance sheet date of financial instruments and other positions owned by the entity and pledged to counterparties as collateral, including: (1) mortgages, mortgage-backed and asset backed securities; (2) US government and agency obligations; (3) state and municipal government obligations; (4) other sovereign government debt; (5) corporate obligations; (6) corporate equities; (7) principal investments; (8) derivative contracts; and (9) physical commodities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6467456&loc=d3e113888-111728

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 50

-Paragraph 1A

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=34720971&loc=SL6224234-111729

+ Details

Name: us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralAtFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Interest expense incurred during the reporting period on long-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.
+ References
No definition available.
+ Details

Name: us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest expense incurred during the reporting period on subordinated notes and debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.8)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestExpenseSubordinatedNotesAndDebentures

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6467456&loc=d3e113888-111728

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5086-111524

+ Details

Name: us-gaap_LoansPledgedAsCollateral

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The cash outflow to reacquire preferred stocks issued by a business trust or other special purpose entity, mainly established by a bank holding entity, to third party investors. The trust's assets are deeply subordinated debentures of the bank holding entity. Most trust preferred securities are subject to a mandatory redemption upon the repayment of the debentures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 15

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3291-108585

+ Details

Name: us-gaap_PaymentsForRepurchaseOfTrustPreferredSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3095-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3098-108585

+ Details

Name: us-gaap_ProceedsFromPaymentsForOtherFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 117 R27.htm IDEA: XBRL DOCUMENT v3.2.0.727

Summary of Significant Accounting Policies (Policies)
12 Months Ended

Mar. 31, 2015

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]

Basis of Accounting, Policy [Policy Text Block]
Basis of consolidated financial statement presentation

The consolidated financial statements include the accounts of the Company, the Bank and the Bank's wholly owned or majority-owned subsidiaries, Carver Asset Corporation, CFSB Realty Corp., CCDC, and CFSB Credit Corp. All significant intercompany accounts and transactions have been eliminated in consolidation.

The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (GAAP). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated statement of financial condition and revenues and expenses for the period then ended. Amounts subject to significant estimates and assumptions are items such as the allowance for loan losses, valuation of real estate owned, realization of deferred tax assets, and the fair value of financial instruments. While management uses available information to recognize losses on loans, future additions to the allowance for loan losses or future writedowns of real estate owned may be necessary based on changes in economic conditions in the areas where Carver Federal has extended mortgages and other credit instruments. Actual results could differ significantly from those assumptions. Current market conditions increase the risk and complexity of the judgments in these estimates.

In addition, the OCC, Carver Federal's regulator, as an integral part of its examination process, periodically reviews Carver Federal's allowance for loan losses and, if applicable, real estate owned valuations. The OCC may require Carver Federal to recognize additions to the allowance for loan losses or additional writedowns of real estate owned based on their judgments about information available to them at the time of their examination.

In addition, no assurances can be given that the Company will continue to comply with all provisions of the Order. Failure to comply with these provisions could result in further regulatory actions to be taken by the regulators.

Cash and Cash Equivalents, Policy [Policy Text Block]
Cash and cash equivalents

For the purpose of reporting cash flows, cash and cash equivalents include cash, amounts due from depository institutions, federal funds sold and other short-term instruments with original maturities of three months or less.  Federal funds sold are generally sold for one-day periods.  The amounts due from depository institutions include a non-interest bearing account held at the Federal Reserve Bank where any additional cash reserve required on demand deposits would be maintained.  Currently, this reserve requirement is zero since the Bank's vault cash satisfies cash reserve requirements for deposits.

Marketable Securities, Policy [Policy Text Block]
Investment Securities

When purchased, investment securities are designated as either investment securities held-to-maturity, available-for-sale or trading.

Securities are classified as held-to-maturity and carried at amortized cost only if the Bank has a positive intent and ability to hold such securities to maturity.  Securities held-to-maturity are carried at cost, adjusted for the amortization of premiums and the accretion of discounts using the level-yield method over the remaining period until maturity.

If not classified as held-to-maturity or trading, securities are classified as available-for-sale based upon management's ability to sell in response to actual or anticipated changes in interest rates, resulting prepayment risk or any other factors. Available-for-sale securities are reported at fair value. Estimated fair values of securities are based on either published or security dealers' market value if available. If quoted or dealer prices are not available, fair value is estimated using quoted or dealer prices for similar securities.

Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and are reported at fair value with unrealized gains and losses included in earnings.

The Company conducts periodic reviews to identify and evaluate each investment that has an unrealized holding loss. Unrealized holding gains or losses for securities available-for-sale are excluded from earnings and reported net of deferred income taxes in accumulated other comprehensive loss, a component of Stockholders' Equity. Following Financial Accounting Standards Board ("FASB") guidance, the amount of an other-than-temporary impairment when there are credit and non-credit losses on a debt security which management does not intend to sell, and for which it is more likely than not that the Bank will not be required to sell the security prior to the recovery of the non-credit impairment, the portion of the total impairment that is attributable to the credit loss would be recognized in earnings. The remaining difference between the debt security's amortized cost basis and its fair value would be included in other comprehensive income (loss).

During fiscal years 2015 and 2014, no other-than-temporary impairment charges were recorded. Gains or losses on sales of securities of all classifications are recognized based on the specific identification method.

Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]
Loans Held-for-Sale

Loans are only moved to held-for-sale classification upon the determination by Carver to sell a loan. Held-for-sale loans are carried at the lower of cost or market value. The initial charge-off, if any is required, will be taken upon the move to held-for-sale and absorbed through Carver's loan loss reserve. The need for further charge-offs is periodically evaluated if the loan remains classified as held-for-sale for an extended period of time using the valuation methodologies identified below. Any subsequently required charge-off is processed as a mark-to-market adjustment. The valuation methodology for loans held-for-sale varies based upon the circumstances. Held-for-sale values may be based upon accepted offer amounts, appraised value of underlying mortgaged premises, prior loan loss experience of Carver in connection with recent loan sales for the loan type in question, and/or other acceptable valuation methods.

Finance, Loans and Leases Receivable, Policy [Policy Text Block]
Loans Receivable

Loans receivable are carried at unpaid principal balances plus unamortized premiums, purchase accounting mark-to-market adjustments, certain deferred direct loan origination costs and deferred loan origination fees and discounts, less the allowance for loan losses and charge-offs.

The Bank defers loan origination fees and certain direct loan origination costs and amortizes or accretes such amounts as an adjustment of yield over the contractual lives of the related loans using methodologies which approximate the interest method.  Premiums and discounts on loans purchased are amortized or accreted as an adjustment of yield over the contractual lives of the related loans, adjusted for prepayments when applicable, using methodologies which approximate the interest method.

Loans are placed on nonaccrual status when they are past due 90 days or more as to contractual obligations or when other circumstances indicate that collection is not probable.  When a loan is placed on nonaccrual status, any interest accrued but not received is reversed against interest income.  Payments received on a nonaccrual loan are either applied to protective advances, the outstanding principal balance or recorded as interest income, depending on an assessment of the ability to collect the loan.  A nonaccrual loan is restored to accrual status when principal and interest payments become less than 90 days past due and its future collectability is reasonably assured.

If the Bank determines that there is an impairment dollar amount, the Bank next determines whether the amount of impairment is permanent. The amount of impairment determined to be permanent is charged off within the given fiscal quarter. All other amounts are recorded as a specific valuation allowance (“SVA”) reserve. Generally the amount of the loan and negative escrow in excess of the appraised value, for the fair value of collateral valuation method, is determined to be permanent and charged off. The amount attributable to the expected cost to sell, is recorded as a specific valuation allowance. In the event the Bank is using the collateral dependent determination for the dollar amount of impairment and the Bank does not have an accepted appraisal (for example, the Bank may utilize a broker’s price opinion), the Bank generally will treat all dollar amounts identified as impaired to be other than a permanent impairment and the full impaired amount will be recorded as a specific valuation allowance. For impairment amounts calculated utilizing the present value of expected future cash flows, the dollar amount of impairment is recorded as a specific valuation allowance.

Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]
Allowance for Loan and Lease Losses ("ALLL")

The adequacy of the Bank's ALLL is determined, in accordance with the Interagency Policy Statement on the Allowance for Loan and Lease Losses (the “Interagency Policy Statement”) released by the OCC on December 13, 2006 and in accordance with ASC Subtopics 450-20 "Loss Contingencies" and 310-10 "Accounting by Creditors for Impairment of a Loan." Compliance with the Interagency Policy Statement includes management's review of the Bank's loan portfolio, including the identification and review of individual problem situations that may affect a borrower's ability to repay. In addition, management reviews the overall portfolio quality through an analysis of delinquency and non-performing loan data, estimates of the value of underlying collateral, current charge-offs and other factors that may affect the portfolio, including a review of regulatory examinations, an assessment of current and expected economic conditions and changes in the size and composition of the loan portfolio.

The ALLL reflects management's evaluation of the loans presenting identified loss potential, as well as the risk inherent in various components of the portfolio. There is significant judgment applied in estimating the ALLL. These assumptions and estimates are susceptible to significant changes from period to period. Further, any change in the size of the loan portfolio or any of its components could necessitate an increase in the ALLL even though there may not be a decline in credit quality or an increase in potential problem loans. As such, there can never be assurance that the ALLL accurately reflects the actual loss potential inherent in a loan portfolio.

General Reserve Allowance [Policy Text Block]
General Reserve Allowance

Carver's maintenance of a general reserve allowance in accordance with ASC Subtopic 450-20 includes the Bank's evaluating the risk to loss potential of homogeneous pools of loans based upon historical loss factors and a review of nine different environmental factors that are then applied to each pool. The pools of loans (“Loan Type”) are:

•
1-4 Family
•
Multifamily
•
Commercial Real Estate
•
Construction
•
Business Loans
•
SBA Loans
•
Other (Consumer and Overdraft Accounts)

The pools are further segregated into the following risk rating classes:

•
Pass
•
Special Mention
•
Substandard
•
Doubtful

The Bank next applies to each pool a risk factor that determines the level of general reserves for the specific pool. The Bank estimates its historical charge-offs via a lookback analysis. The actual historical loss experience by major loan category is expressed as a percentage of the outstanding balance of all loans within the category. As the loss experience for a particular loan category increases or decreases, the level of reserves required for that particular loan category also increases or decreases. The Bank’s historical charge-off rate reflects the period over which the charge-offs were confirmed and recognized, not the period over which the earlier losses occurred. That is, the charge-off rate measures the confirmation of losses over a period that occurs after the earlier actual losses. During the period between the loss-causing events and the eventual confirmations of losses, conditions may have changed. There is always a time lag between the period over which average charge-off rates are calculated and the date of the financial statements. During that period, conditions may have changed. Another factor influencing the General Reserve is the Bank’s Loss Emergence Period (LEP) assumptions which represent the Bank’s estimate of the average amount of time from the point at which a loss is incurred to the point at which the loss is confirmed, either through the identification of the loss or a charge-off. The Bank generally considers coverage of one year’s losses an appropriate benchmark for most pools of loans because the probable loss on any given pool should ordinarily become apparent in that time frame. In some instances, the Bank may be able, however, to demonstrate a reliance on an LEP less than 12 months coverage based upon adequate management information systems and effective methodologies for estimating losses. However, in some instances, such as in its Commercial Real Estate, Multifamily and Business segments the Bank demonstrates a reliance on a LEP in excess of 12 months. The Bank also recognizes losses in accordance with regulatory charge-off criteria.

Because actual loss experience may not adequately predict the level of losses inherent in a portfolio, the Bank reviews nine qualitative factors to determine if reserves should be adjusted based upon any of those factors. As the risk ratings worsen, some of the qualitative factors tend to increase. The nine qualitative factors the Bank considers and may utilize are:

1.
Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses (Policy & Procedures).
2.
Changes in relevant economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments (Economy).
3.
Changes in the nature or volume of the loan portfolio and in the terms of loans (Nature & Volume).
4.
Changes in the experience, ability, and depth of lending management and other relevant staff (Management).
5.
Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified loans (Problem Assets).
6.
Changes in the quality of the loan review system (Loan Review).
7.
Changes in the value of underlying collateral for collateral dependent loans (Collateral Values).
8.
The existence and effect of any concentrations of credit and changes in the level of such concentrations (Concentrations).
9.
The effect of other external forces such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio (External Forces).

Specific Reserve Allowance [Policy Text Block]
Specific Reserve Allowance

Carver also maintains a specific reserve allowance for criticized and classified loans individually reviewed for impairment in accordance with ASC Subtopic 310-10 guidelines. The amount assigned to the specific reserve allowance is individually determined based upon the loan. The ASC Subtopic 310-10 guidelines require the use of one of three approved methods to estimate the amount to be reserved and/or charged off for such credits. The three methods are as follows:

1.The present value of expected future cash flows discounted at the loan's effective interest rate,
2.The loan's observable market price; or
3.The fair value of the collateral if the loan is collateral dependent.

The institution may choose the appropriate ASC Subtopic 310-10 measurement on a loan-by-loan basis for an individually impaired loan, except for an impaired collateral dependent loan. Guidance requires impairment of a collateral dependent loan to be measured using the fair value of collateral method. A loan is considered "collateral dependent" when the repayment of the debt will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment.

Criticized and classified loans with at risk balances of $500,000 or more and loans below $500,000 that the Chief Credit Officer deems appropriate for review, are identified and reviewed for individual evaluation for impairment in accordance with ASC Subtopic 310-10. Carver also performs impairment analysis for all troubled debt restructurings (“TDRs”). If it is determined that it is probable the Bank will be unable to collect all amounts due according with the contractual terms of the loan agreement, the loan is categorized as impaired.

If the loan is determined to be not impaired, it is then placed in the appropriate pool of criticized and classified loans to be evaluated collectively for impairment. Loans determined to be impaired are evaluated to determine the amount of impairment based on one of the three measurement methods noted above. The Bank then determines whether the impairment amount is permanent, in which case the loan is written down by the amount of the impairment, or if it is other than permanent, in which case the Bank establishes a specific valuation reserve that is included in the total ALLL. In accordance with guidance, if there is no impairment amount, no reserve is established for the loan.

Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]
Troubled Debt Restructured Loans

TDRs are those loans whose terms have been modified because of deterioration in the financial condition of the borrower and a concession is made. Modifications could include extension of the terms of the loan, reduced interest rates, capitalization of interest and forgiveness of accrued interest and/or principal. Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full. For cash flow dependent loans, the Bank records a specific valuation allowance reserve equal to the difference between the present value of estimated future cash flows under the restructured terms discounted at the loan's original effective interest rate, and the loan's original carrying value. For a collateral dependent loan, the Bank records an impairment charge when the current estimated fair value of the property that collateralizes the impaired loan, if any, is less than the recorded investment in the loan. TDR loans remain on nonaccrual status until they have performed in accordance with the restructured terms for a period of at least six months.

Representation and Warranty Reserve [Policy Text Block]
Representation and Warranty Reserve

During the period 2004 through 2009, the Bank originated 1-4 family residential mortgage loans and sold the loans to the Federal National Mortgage Association (“FNMA”). The loans were sold to FNMA with the standard representations and warranties for loans sold to the Government Sponsored Entities (GSEs). The Bank may be required to repurchase these loans in the event of breaches of these representations and warranties. In the event of a repurchase, the Bank is typically required to pay the unpaid principal balance as well as outstanding interest and fees. The Bank then recovers the loan or, if the loan has been foreclosed, the underlying collateral. The Bank is exposed to any losses on repurchased loans after giving effect to any recoveries on the collateral.

Management has established a representation and warranty reserve for losses associated with the repurchase of mortgage loans sold by the Bank to FNMA that we consider to be both probable and reasonably estimable. These reserves are reported in our consolidated statement of financial condition as a component of other liabilities. The calculation of the reserve is based on estimates, which are uncertain, and require the application of judgment. In establishing the reserves, we consider a variety of factors, including those loans that are under review by FNMA that have not yet received a repurchase request. The Bank tracks the FNMA claims monthly and evaluates the reserve on a quarterly basis.

Segment Reporting, Policy [Policy Text Block]
Segment Reporting

The Company has determined that all of its activities constitute one reportable operating segment.

Concentration Risk, Credit Risk, Policy [Policy Text Block]
Concentration of Risk

The Bank's principal lending activities are concentrated in loans secured by real estate, a substantial portion of which is located in New York City.  Accordingly, the ultimate collectability of a substantial portion of the Company's loan portfolio is susceptible to changes in New York's real estate market conditions.

Property, Plant and Equipment, Policy [Policy Text Block]
Office Properties and Equipment

Office properties and equipment are comprised of land, at cost, and buildings, building improvements, furnishings and equipment and leasehold improvements, at cost less accumulated depreciation and amortization.  Depreciation and amortization charges are computed using the straight-line method over the following estimated useful lives:

Buildings and improvements
10 to 25 years
Furnishings and equipment
3 to 5 years
Leasehold improvements
Lesser of useful life or remaining term of lease

Maintenance, repairs and minor improvements are charged to non-interest expense in the period incurred.

Federal Home Loan Bank Stock [Policy Text Block]
Federal Home Loan Bank Stock

The FHLB-NY has assigned to the Bank a mandated membership stock purchase, based on the Bank's asset size. In addition, for all borrowing activity, the Bank is required to purchase shares of FHLB-NY non-marketable capital stock at par. Such shares are redeemed by FHLB-NY at par with reductions in the Bank's borrowing levels. On a quarterly basis, these shares are evaluated for other-than-temporary impairment. We do not consider these shares to be other-than-temporarily impaired at March 31, 2015. The Bank carries this investment at historical cost.

Transfers and Servicing of Financial Assets, Servicing of Financial Assets, Policy [Policy Text Block]
Mortgage Servicing Rights

All separately recognized servicing assets are included in Other Assets and measured at fair value.

Real Estate Owned, Valuation Allowance, Policy [Policy Text Block]
Real Estate Owned

Real estate acquired by foreclosure or deed in lieu of foreclosure is recorded at the lower of loan carrying amount or the fair value at the date of acquisition less estimated selling costs. At the time of origination of the real estate owned, the real property value is adjusted to its current fair value. Any subsequent adjustments will be to the lower of cost or market. The fair value of such assets is determined based primarily upon independent appraisals and other relevant factors.  The amounts ultimately recoverable from real estate owned could differ from the net carrying value of these properties because of economic conditions.  Costs incurred to improve properties or prepare them for sale are capitalized.  Revenues and expenses related to the holding and operating of properties are recognized in operations as earned or incurred.  Gains or losses on sale of properties are recognized as incurred.

Income Tax, Policy [Policy Text Block]
Income Taxes

The Company records income taxes in accordance with ASC 740 “Income Taxes,” as amended, using the asset and liability method. Income tax expense (benefit) consists of income taxes currently payable (receivable) and deferred income taxes.  Temporary differences between the basis of assets and liabilities for financial reporting and tax purposes are measured as of the balance sheet date.  Deferred tax liabilities or recognizable deferred tax assets are calculated on such differences, using current statutory rates, which result in future taxable or deductible amounts.  The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Where applicable, deferred tax assets are reduced by a valuation allowance for any portion determined not likely to be realized. Generally, this valuation allowance would subsequently be adjusted by a charge or credit to income tax expense as changes in facts and circumstances warrant. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Any interest expense or penalties would be recorded as interest expense.

Earnings Per Share, Policy [Policy Text Block]
Earnings (Loss) per Common Share

Basic earnings (loss) per share (“EPS”) is computed by dividing income (loss) available to common stockholders by the weighted average number of common shares outstanding.  Diluted earnings per common share includes any additional common shares as if all potentially dilutive common shares were issued (for instance, stock options with an exercise price that is less than the average market price of the common shares for the periods stated).

Stockholders' Equity, Policy [Policy Text Block]
Preferred and Common Dividends

The Company is prohibited from paying any dividends without prior regulatory approval pursuant to the terms of the Cease and Desist Orders to which it is subject, and is generally subject to regulations governing the payment of dividends. See Item 1 - Business - Regulation and Supervision - Cease and Desist Orders and - Capital and Liquidity. As previously disclosed in a Form 8-K filed with the SEC on October 29, 2010, the Company's Board of Directors announced that based on highly uncertain economic conditions and the desire to preserve capital, the Company had suspended payment of the quarterly cash dividend on its common stock. There are no assurances that the payments of common stock dividends will resume.

Treasury Stock [Policy Text Block]
Treasury Stock

Treasury stock is recorded at cost and is presented as a reduction of stockholders' equity.

Pension and Other Postretirement Plans, Policy [Policy Text Block]
Pension Plans

The Company's pension obligations, and the related costs, are calculated using actuarial concepts within the framework of the FASB guidance. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected return on plan assets. The Company evaluates these critical assumptions on an annual basis. Other factors considered by the Company include retirement patterns, mortality, and turnover.

Actuarial gain and losses, prior services cost or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in accumulated other comprehensive income (loss), net of tax effects, until they are amortized as a component of net of periodic benefit cost.  In addition, the measurement date (i.e., the date at which plan assets and the benefit obligation are measured for financial reporting purposes) is required to be the company's fiscal year-end.

NMTC fee income [Policy Text Block]
NMTC fee income

The fee income the Company receives related to the transfers of its New Market Tax Credits varies with each transaction but all are similar in nature. There are two basic types of fees associated with these transactions. The first is a “sub-allocation fee” that is paid to CCDC when the tax credits are allocated to a subsidiary entity at the time a qualified equity investment is made. This fee is recognized by the Company at the time of allocation. The second type of fee is paid to cover the administrative and servicing costs associated with CCDC's compliance with NMTC reporting requirements. This fee is recognized as the services are rendered.

Reclassification, Policy [Policy Text Block]
Reclassifications

Certain amounts in the consolidated financial statements presented for prior years have been reclassified to conform to the current year presentation.

New Accounting Pronouncements, Policy [Policy Text Block]
Impact of Recent Accounting Standards Not Yet Adopted

In January 2014, the FASB issued ASU No. 2014-04, "Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The amendments clarify when an in-substance repossession or foreclosure occurs, and require disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for annual periods, and interim periods within annual periods beginning after December 15, 2015. The adoption of ASU 2014-04 is not expected to have a material impact on the Company's consolidated statement of financial condition or results of operations. At March 31, 2015, Carver had 11 loans secured by one-to-four family residential real estate in the process of foreclosure for a total outstanding balance of $1.9 million.

X

- Definition
Federal Home Loan Bank Stock [Policy Text Block]
+ References
No definition available.
+ Details

Name: carv_FederalHomeLoanBankStockPolicyTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
General Reserve Allowance [Policy Text Block]
+ References
No definition available.
+ Details

Name: carv_GeneralReserveAllowancePolicyTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
NMTC fee income [Policy Text Block]
+ References
No definition available.
+ Details

Name: carv_NmtcFeeIncomePolicyTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Representation and Warranty Reserve [Policy Text Block]
+ References
No definition available.
+ Details

Name: carv_RepresentationAndWarrantyReservePolicyTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Specific Reserve Allowance [Policy Text Block]
+ References
No definition available.
+ Details

Name: carv_SpecificReserveAllowancePolicyTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
+ References
No definition available.
+ Details

Name: carv_SummaryOfSignificantAccountingPoliciesAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Treasury Stock [Policy Text Block]
+ References
No definition available.
+ Details

Name: carv_TreasuryStockPolicyTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for basis of accounting, or basis of presentation, used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS).
+ References
No definition available.
+ Details

Name: us-gaap_BasisOfAccountingPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 305

-SubTopic 10

-Section 05

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6375392&loc=d3e26790-107797

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4273-108586

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Financial Reporting Release (FRR)

-Number 203

-Paragraph 02-03

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_CashAndCashEquivalentsPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for credit risk.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 55

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6875567&loc=d3e14489-108613

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 825

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6480020&loc=d3e61082-112788

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 825

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=28088331&loc=SL29635902-196195

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13537-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13531-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 825

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6480020&loc=d3e61044-112788

+ Details

Name: us-gaap_ConcentrationRiskCreditRisk

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3630-109257

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

+ Details

Name: us-gaap_EarningsPerSharePolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for those finance, loan and lease receivables classified as held for sale. This disclosure may include how the entity determines when to classify a loan or receivable as held for sale, the basis at which such receivables are carried in the entity's statements of financial position, how such receivables are valued, the method used to determine the lower of cost or fair value (that is, on an aggregate or individual asset basis), the treatment of commitment and other fees and origination costs, and how transfers to and from the held for investment portfolio are accounted for.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5093-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5144-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5033-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6378556&loc=d3e10133-111534

+ Details

Name: us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5144-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6378556&loc=d3e10133-111534

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5093-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (b,d)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3-5

-Article 5

+ Details

Name: us-gaap_FinanceLoansAndLeasesReceivablePolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32840-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 30

-Section 05

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6423966&loc=d3e40913-109327

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 954

-SubTopic 740

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6491622&loc=d3e9504-115650

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 17

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32809-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 25

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32247-109318

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32280-109318

+ Details

Name: us-gaap_IncomeTaxPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5144-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of the accounting policy for loan agreements whose terms have been modified because of the inability of the borrower for financial reasons to comply with the terms of the original loan agreement. A creditor discloses material facts pertaining to significant modifications.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 40

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18794-111554

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

+ Details

Name: us-gaap_LoansAndLeasesReceivableTroubledDebtRestructuringPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for investments in debt and equity securities that have readily determinable fair values (marketable securities). At a minimum, the disclosure might address accounting policies for investments classified as trading, available for sale, or held to maturity and may include how the entity determines whether impairments of available for sale or held to maturity investments are other than temporary, how the fair values of the entity's securities are determined, and the entity's accounting treatment for transfers between investment categories.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section S50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6381980&loc=d3e87707-122711

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62652-112803

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 5

-Section M

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 2, 12

-Article 5

+ Details

Name: us-gaap_MarketableSecuritiesPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.
+ References
No definition available.
+ Details

Name: us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for pension and other postretirement benefit plans. This accounting policy may address (1) the types of plans sponsored by the entity, and the benefits provided by each plan (2) groups that participate in (or are covered by) each plan (3) how plan assets, liabilities and expenses are measured, including the use of any actuaries and (4) significant assumptions used by the entity to value plan assets and liabilities and how such assumptions are derived.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 70

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6414718&loc=d3e28014-114942

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 60

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6414199&loc=d3e39622-114963

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 80

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=35742057&loc=d3e29149-114947

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 30

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6412939&loc=d3e15145-114933

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_PensionAndOtherPostretirementPlansPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for reclassifications that affects the comparability of the financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6359566&loc=d3e326-107755

+ Details

Name: us-gaap_PriorPeriodReclassificationAdjustmentDescription

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13(a))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 13

-Subparagraph a

-Article 5

+ Details

Name: us-gaap_PropertyPlantAndEquipmentPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for establishing and maintaining the valuation allowance related to real estate owned.
+ References
No definition available.
+ Details

Name: us-gaap_RealEstateOwnedValuationAllowancePolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for segment reporting.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

+ Details

Name: us-gaap_SegmentReportingPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for its capital stock transactions, including dividends and accumulated other comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18726-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21459-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

+ Details

Name: us-gaap_StockholdersEquityPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for servicing assets and liabilities including, but not necessarily limited to: (a) how a servicing asset or servicing liability is initially recognized and measured, (b) management's basis for determining its classes of servicing assets and servicing liabilities, (c) where contractually specified fees, late fees or ancillary fees are reported in the statement of income, (d) how the entity subsequently measures each class of servicing assets and servicing liabilities (that is, by using the amortization method or fair value method), and the methodology and significant assumptions used to value such servicing, (e) for those classes subsequently measured using the amortization method, where changes in the carrying amount are reported in the statement of income and how such servicing assets and liabilities are evaluated for impairment, and (f) for those classes subsequently measured at fair value, where changes in the fair value are reported in the statement of income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 2

-Subparagraph (a),(c)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122596-111746

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 35

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=7525126&loc=d3e121145-111743

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746

+ Details

Name: us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 118 FilingSummary.xml IDEA: XBRL DOCUMENT 3.2.0.727 html 261 618 1 true 62 0 false 4 false false R1.htm 0001000 - Document - Document and Entity Information Document Sheet http://www.carverbank.com/role/DocumentAndEntityInformationDocument Document and Entity Information Document Cover 1 false false R2.htm 1001000 - Statement - Consolidated Statements of Financial Position Sheet http://www.carverbank.com/role/ConsolidatedStatementsOfFinancialPosition Consolidated Statements of Financial Position Statements 2 false false R3.htm 1001501 - Statement - Consolidated Statements of Financial Position Parentheticals Sheet http://www.carverbank.com/role/ConsolidatedStatementsOfFinancialPositionParentheticals Consolidated Statements of Financial Position Parentheticals Statements 3 false false R4.htm 1002000 - Statement - Consolidated Statements of Operations Sheet http://www.carverbank.com/role/ConsolidatedStatementsOfOperations Consolidated Statements of Operations Statements 4 false false R5.htm 1003000 - Statement - Consolidated Statements of Comprehensive Income (Loss) Statement Sheet http://www.carverbank.com/role/ConsolidatedStatementsOfComprehensiveIncomeLossStatement Consolidated Statements of Comprehensive Income (Loss) Statement Statements 5 false false R6.htm 1004000 - Statement - Consolidated Statement of Changes in Stockholders' Equity Sheet http://www.carverbank.com/role/ConsolidatedStatementOfChangesInStockholdersEquity Consolidated Statement of Changes in Stockholders' Equity Statements 6 false false R7.htm 1004000 - Statement - Consolidated Statements of Cash Flows Sheet http://www.carverbank.com/role/ConsolidatedStatementsOfCashFlows Consolidated Statements of Cash Flows Statements 7 false false R8.htm 2101100 - Disclosure - Organization Sheet http://www.carverbank.com/role/Organization Organization Notes 8 false false R9.htm 2102100 - Disclosure - Summary of Significant Accounting Policies Sheet http://www.carverbank.com/role/SummaryOfSignificantAccountingPolicies Summary of Significant Accounting Policies Notes 9 false false R10.htm 2103100 - Disclosure - Investment Securities Sheet http://www.carverbank.com/role/InvestmentSecurities Investment Securities Notes 10 false false R11.htm 2104100 - Disclosure - Loans Receivable, Net (Note) Sheet http://www.carverbank.com/role/LoansReceivableNetNote Loans Receivable, Net (Note) Notes 11 false false R12.htm 2105100 - Disclosure - Office Properties and Equipment, Net (Notes) Notes http://www.carverbank.com/role/OfficePropertiesAndEquipmentNetNotes Office Properties and Equipment, Net (Notes) Notes 12 false false R13.htm 2106100 - Disclosure - Accrued Interest Receivable (Notes) Notes http://www.carverbank.com/role/AccruedInterestReceivableNotes Accrued Interest Receivable (Notes) Notes 13 false false R14.htm 2107100 - Disclosure - Deposits (Notes) Notes http://www.carverbank.com/role/DepositsNotes Deposits (Notes) Notes 14 false false R15.htm 2108100 - Disclosure - Borrowed Money (Notes) Notes http://www.carverbank.com/role/BorrowedMoneyNotes Borrowed Money (Notes) Notes 15 false false R16.htm 2109100 - Disclosure - Income Taxes Sheet http://www.carverbank.com/role/IncomeTaxes Income Taxes Notes 16 false false R17.htm 2110100 - Disclosure - Earnings (Loss) Per Common Share Sheet http://www.carverbank.com/role/EarningsLossPerCommonShare Earnings (Loss) Per Common Share Notes 17 false false R18.htm 2111100 - Disclosure - Stockholders' Equity (Notes) Notes http://www.carverbank.com/role/StockholdersEquityNotes Stockholders' Equity (Notes) Notes 18 false false R19.htm 2112100 - Disclosure - Other Comprehensive Income (Loss) (Notes) Notes http://www.carverbank.com/role/OtherComprehensiveIncomeLossNotes Other Comprehensive Income (Loss) (Notes) Notes 19 false false R20.htm 2113100 - Disclosure - Employee Benefit and Stock Compensation Plans (Notes) Notes http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansNotes Employee Benefit and Stock Compensation Plans (Notes) Notes 20 false false R21.htm 2114100 - Disclosure - Commitments and Contingencies (Notes) Notes http://www.carverbank.com/role/CommitmentsAndContingenciesNotes Commitments and Contingencies (Notes) Notes 21 false false R22.htm 2115100 - Disclosure - Fair Value Measurements Fair Value Measurements (Notes) Notes http://www.carverbank.com/role/FairValueMeasurementsFairValueMeasurementsNotes Fair Value Measurements Fair Value Measurements (Notes) Notes 22 false false R23.htm 2116100 - Disclosure - Fair Value of Financial Instruments Sheet http://www.carverbank.com/role/FairValueOfFinancialInstruments Fair Value of Financial Instruments Notes 23 false false R24.htm 2117100 - Disclosure - Variable Interest Entities Sheet http://www.carverbank.com/role/VariableInterestEntities Variable Interest Entities Notes 24 false false R25.htm 2118100 - Disclosure - Quarterly Financial Data (Notes) Notes http://www.carverbank.com/role/QuarterlyFinancialDataNotes Quarterly Financial Data (Notes) Notes 25 false false R26.htm 2119100 - Disclosure - Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Notes) Notes http://www.carverbank.com/role/CarverBancorpIncParentCompanyOnlyCarverBancorpIncParentCompanyOnlyNotes Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Notes) Notes 26 false false R27.htm 2202201 - Disclosure - Summary of Significant Accounting Policies (Policies) Sheet http://www.carverbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies Summary of Significant Accounting Policies (Policies) Policies http://www.carverbank.com/role/SummaryOfSignificantAccountingPolicies 27 false false R28.htm 2303301 - Disclosure - Investment Securities (Tables) Sheet http://www.carverbank.com/role/InvestmentSecuritiesTables Investment Securities (Tables) Tables http://www.carverbank.com/role/InvestmentSecurities 28 false false R29.htm 2304301 - Disclosure - Loans Receivable, Net (Tables) Sheet http://www.carverbank.com/role/LoansReceivableNetTables Loans Receivable, Net (Tables) Tables http://www.carverbank.com/role/LoansReceivableNetNote 29 false false R30.htm 2305301 - Disclosure - Office Properties and Equipment, Net Office Properties and Equipment, Net (Tables) Sheet http://www.carverbank.com/role/OfficePropertiesAndEquipmentNetOfficePropertiesAndEquipmentNetTables Office Properties and Equipment, Net Office Properties and Equipment, Net (Tables) Tables 30 false false R31.htm 2306301 - Disclosure - Accrued Interest Receivable Accrued Interest Receivable (Tables) Sheet http://www.carverbank.com/role/AccruedInterestReceivableAccruedInterestReceivableTables Accrued Interest Receivable Accrued Interest Receivable (Tables) Tables 31 false false R32.htm 2307301 - Disclosure - Deposits (Tables) Sheet http://www.carverbank.com/role/DepositsTables Deposits (Tables) Tables http://www.carverbank.com/role/DepositsNotes 32 false false R33.htm 2308301 - Disclosure - Borrowed Money (Tables) Sheet http://www.carverbank.com/role/BorrowedMoneyTables Borrowed Money (Tables) Tables http://www.carverbank.com/role/BorrowedMoneyNotes 33 false false R34.htm 2309301 - Disclosure - Income Taxes (Tables) Sheet http://www.carverbank.com/role/IncomeTaxesTables Income Taxes (Tables) Tables http://www.carverbank.com/role/IncomeTaxes 34 false false R35.htm 2310301 - Disclosure - Earnings (Loss) Per Share (Tables) Sheet http://www.carverbank.com/role/EarningsLossPerShareTables Earnings (Loss) Per Share (Tables) Tables http://www.carverbank.com/role/EarningsLossPerCommonShare 35 false false R36.htm 2311301 - Disclosure - Stockholders' Equity (Tables) Sheet http://www.carverbank.com/role/StockholdersEquityTables Stockholders' Equity (Tables) Tables http://www.carverbank.com/role/StockholdersEquityNotes 36 false false R37.htm 2312301 - Disclosure - Other Comprehensive Income (Loss) (Tables) Sheet http://www.carverbank.com/role/OtherComprehensiveIncomeLossTables Other Comprehensive Income (Loss) (Tables) Tables http://www.carverbank.com/role/OtherComprehensiveIncomeLossNotes 37 false false R38.htm 2313301 - Disclosure - Employee Benefit and Stock Compensation Plans (Tables) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansTables Employee Benefit and Stock Compensation Plans (Tables) Tables http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansNotes 38 false false R39.htm 2314301 - Disclosure - Commitments and Contingencies Commitments and Contingencies (Tables) Sheet http://www.carverbank.com/role/CommitmentsAndContingenciesCommitmentsAndContingenciesTables Commitments and Contingencies Commitments and Contingencies (Tables) Tables 39 false false R40.htm 2315301 - Disclosure - Fair Value Measurements Fair Value Measurements (Tables) Sheet http://www.carverbank.com/role/FairValueMeasurementsFairValueMeasurementsTables Fair Value Measurements Fair Value Measurements (Tables) Tables http://www.carverbank.com/role/FairValueMeasurementsFairValueMeasurementsNotes 40 false false R41.htm 2316301 - Disclosure - Fair Value of Financial Instruments (Tables) Sheet http://www.carverbank.com/role/FairValueOfFinancialInstrumentsTables Fair Value of Financial Instruments (Tables) Tables http://www.carverbank.com/role/FairValueOfFinancialInstruments 41 false false R42.htm 2317301 - Disclosure - Variable Interest Entities (Tables) Sheet http://www.carverbank.com/role/VariableInterestEntitiesTables Variable Interest Entities (Tables) Tables http://www.carverbank.com/role/VariableInterestEntities 42 false false R43.htm 2318301 - Disclosure - Quarterly Financial Data Quarerly Finanacial Data (Tables) Sheet http://www.carverbank.com/role/QuarterlyFinancialDataQuarerlyFinanacialDataTables Quarterly Financial Data Quarerly Finanacial Data (Tables) Tables 43 false false R44.htm 2319301 - Disclosure - Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Tables) Sheet http://www.carverbank.com/role/CarverBancorpIncParentCompanyOnlyCarverBancorpIncParentCompanyOnlyTables Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Tables) Tables http://www.carverbank.com/role/CarverBancorpIncParentCompanyOnlyCarverBancorpIncParentCompanyOnlyNotes 44 false false R45.htm 2401402 - Disclosure - Organization (Details) Sheet http://www.carverbank.com/role/OrganizationDetails Organization (Details) Details http://www.carverbank.com/role/Organization 45 false false R46.htm 2403402 - Disclosure - Investment Securities Amortized Cost and Estimated Fair Value (Details) Sheet http://www.carverbank.com/role/InvestmentSecuritiesAmortizedCostAndEstimatedFairValueDetails Investment Securities Amortized Cost and Estimated Fair Value (Details) Details 46 false false R47.htm 2403403 - Disclosure - Investment Securities Sales and Calls of Available-For-Sale portfolio (Details) Sheet http://www.carverbank.com/role/InvestmentSecuritiesSalesAndCallsOfAvailableForSalePortfolioDetails Investment Securities Sales and Calls of Available-For-Sale portfolio (Details) Details 47 false false R48.htm 2403404 - Disclosure - Investment Securities Unrealized losses and fair value of securities (Details) Sheet http://www.carverbank.com/role/InvestmentSecuritiesUnrealizedLossesAndFairValueOfSecuritiesDetails Investment Securities Unrealized losses and fair value of securities (Details) Details 48 false false R49.htm 2403405 - Disclosure - Investment Securities Carrying Value (Amortized Cost) and Fair Value by remaining period of contractual maturity (Details) Sheet http://www.carverbank.com/role/InvestmentSecuritiesCarryingValueAmortizedCostAndFairValueByRemainingPeriodOfContractualMaturityDetails Investment Securities Carrying Value (Amortized Cost) and Fair Value by remaining period of contractual maturity (Details) Details 49 false false R50.htm 2403406 - Disclosure - Investment Securities Text Figures (Details) Sheet http://www.carverbank.com/role/InvestmentSecuritiesTextFiguresDetails Investment Securities Text Figures (Details) Details 50 false false R51.htm 2404402 - Disclosure - Loans receivable, net of allowance for loan losses (Details) Sheet http://www.carverbank.com/role/LoansReceivableNetOfAllowanceForLoanLossesDetails Loans receivable, net of allowance for loan losses (Details) Details 51 false false R52.htm 2404403 - Disclosure - Allowance for Loan Losses (Details) Sheet http://www.carverbank.com/role/AllowanceForLoanLossesDetails Allowance for Loan Losses (Details) Details 52 false false R53.htm 2404404 - Disclosure - Loans Receivable, Net Allowance for Loan Losses Summary (Details) Sheet http://www.carverbank.com/role/LoansReceivableNetAllowanceForLoanLossesSummaryDetails Loans Receivable, Net Allowance for Loan Losses Summary (Details) Details 53 false false R54.htm 2404405 - Disclosure - Nonaccrual loans (Details) Sheet http://www.carverbank.com/role/NonaccrualLoansDetails Nonaccrual loans (Details) Details 54 false false R55.htm 2404406 - Disclosure - Credit Risk Profile Internal Grade (Details) Sheet http://www.carverbank.com/role/CreditRiskProfileInternalGradeDetails Credit Risk Profile Internal Grade (Details) Details 55 false false R56.htm 2404407 - Disclosure - Past due financing receivable (Details) Sheet http://www.carverbank.com/role/PastDueFinancingReceivableDetails Past due financing receivable (Details) Details 56 false false R57.htm 2404408 - Disclosure - Impaired Loans (Details) Sheet http://www.carverbank.com/role/ImpairedLoansDetails Impaired Loans (Details) Details 57 false false R58.htm 2404409 - Disclosure - Loans Receivable, Net Troubled Debt Restructurings (Details) Sheet http://www.carverbank.com/role/LoansReceivableNetTroubledDebtRestructuringsDetails Loans Receivable, Net Troubled Debt Restructurings (Details) Details 58 false false R59.htm 2404410 - Disclosure - Loan and Lease Losses Text Figures (Details) Sheet http://www.carverbank.com/role/LoanAndLeaseLossesTextFiguresDetails Loan and Lease Losses Text Figures (Details) Details 59 false false R60.htm 2405402 - Disclosure - Office Properties and Equipment, Net Office properties and Equipment, Net (Details) Sheet http://www.carverbank.com/role/OfficePropertiesAndEquipmentNetOfficePropertiesAndEquipmentNetDetails Office Properties and Equipment, Net Office properties and Equipment, Net (Details) Details 60 false false R61.htm 2405403 - Disclosure - Office Properties and Equipment, Net Office Properties and Equipment, Net Text (Details) Sheet http://www.carverbank.com/role/OfficePropertiesAndEquipmentNetOfficePropertiesAndEquipmentNetTextDetails Office Properties and Equipment, Net Office Properties and Equipment, Net Text (Details) Details http://www.carverbank.com/role/OfficePropertiesAndEquipmentNetOfficePropertiesAndEquipmentNetTables 61 false false R62.htm 2406402 - Disclosure - Accrued Interest Receivable Accrued Interest Receivable (Details) Sheet http://www.carverbank.com/role/AccruedInterestReceivableAccruedInterestReceivableDetails Accrued Interest Receivable Accrued Interest Receivable (Details) Details http://www.carverbank.com/role/AccruedInterestReceivableAccruedInterestReceivableTables 62 false false R63.htm 2407402 - Disclosure - Deposits Deposits and interest rates (Details) Sheet http://www.carverbank.com/role/DepositsDepositsAndInterestRatesDetails Deposits Deposits and interest rates (Details) Details 63 false false R64.htm 2407403 - Disclosure - Deposits Maturities of Certificate of Deposits (Details) Sheet http://www.carverbank.com/role/DepositsMaturitiesOfCertificateOfDepositsDetails Deposits Maturities of Certificate of Deposits (Details) Details 64 false false R65.htm 2407404 - Disclosure - Deposits Certificates of Deposits $100,000 or more (Details) Sheet http://www.carverbank.com/role/DepositsCertificatesOfDeposits100000OrMoreDetails Deposits Certificates of Deposits $100,000 or more (Details) Details 65 false false R66.htm 2407405 - Disclosure - Deposits Interest Expense on Deposits (Details) Sheet http://www.carverbank.com/role/DepositsInterestExpenseOnDepositsDetails Deposits Interest Expense on Deposits (Details) Details 66 false false R67.htm 2408402 - Disclosure - Borrowed Money FHLB-NY Advances (Details) Sheet http://www.carverbank.com/role/BorrowedMoneyFhlbNyAdvancesDetails Borrowed Money FHLB-NY Advances (Details) Details 67 false false R68.htm 2408403 - Disclosure - Borrowed Money Borrowings (Details) Sheet http://www.carverbank.com/role/BorrowedMoneyBorrowingsDetails Borrowed Money Borrowings (Details) Details 68 false false R69.htm 2408404 - Disclosure - Borrowed Money Borrowed Money Text tag (Details) Sheet http://www.carverbank.com/role/BorrowedMoneyBorrowedMoneyTextTagDetails Borrowed Money Borrowed Money Text tag (Details) Details 69 false false R70.htm 2409402 - Disclosure - Income Taxes Components of Income Tax Expense (Details) Sheet http://www.carverbank.com/role/IncomeTaxesComponentsOfIncomeTaxExpenseDetails Income Taxes Components of Income Tax Expense (Details) Details 70 false false R71.htm 2409403 - Disclosure - Income Taxes Reconciliation Expected Federal Income tax rate to Effective Tax Rate (Details) Sheet http://www.carverbank.com/role/IncomeTaxesReconciliationExpectedFederalIncomeTaxRateToEffectiveTaxRateDetails Income Taxes Reconciliation Expected Federal Income tax rate to Effective Tax Rate (Details) Details 71 false false R72.htm 2409404 - Disclosure - Income Taxes Deferred Tax Assets and Liabilities (Details) Sheet http://www.carverbank.com/role/IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails Income Taxes Deferred Tax Assets and Liabilities (Details) Details 72 false false R73.htm 2409405 - Disclosure - Income Taxes Income Taxes Text tags (Details) Sheet http://www.carverbank.com/role/IncomeTaxesIncomeTaxesTextTagsDetails Income Taxes Income Taxes Text tags (Details) Details 73 false false R74.htm 2410402 - Disclosure - Earnings (Loss) Per Share (Details) Sheet http://www.carverbank.com/role/EarningsLossPerShareDetails Earnings (Loss) Per Share (Details) Details http://www.carverbank.com/role/EarningsLossPerShareTables 74 false false R75.htm 2411402 - Disclosure - Stockholders' Equity (Details) Sheet http://www.carverbank.com/role/StockholdersEquityDetails Stockholders' Equity (Details) Details http://www.carverbank.com/role/StockholdersEquityTables 75 false false R76.htm 2411403 - Disclosure - Stockholders' Equity Stockholders' Equity Text tags (Details) Sheet http://www.carverbank.com/role/StockholdersEquityStockholdersEquityTextTagsDetails Stockholders' Equity Stockholders' Equity Text tags (Details) Details 76 false false R77.htm 2412402 - Disclosure - Other Comprehensive Income (Loss) Components of Accumulated Other Comprehensive Income (Loss) (Details) Sheet http://www.carverbank.com/role/OtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeLossDetails Other Comprehensive Income (Loss) Components of Accumulated Other Comprehensive Income (Loss) (Details) Details http://www.carverbank.com/role/OtherComprehensiveIncomeLossTables 77 false false R78.htm 2412403 - Disclosure - Other Comprehensive Income (Loss) Reclassifications from Accumulated Other Comprehensive Income (Loss) (Details) Sheet http://www.carverbank.com/role/OtherComprehensiveIncomeLossReclassificationsFromAccumulatedOtherComprehensiveIncomeLossDetails Other Comprehensive Income (Loss) Reclassifications from Accumulated Other Comprehensive Income (Loss) (Details) Details http://www.carverbank.com/role/OtherComprehensiveIncomeLossTables 78 false false R79.htm 2412404 - Disclosure - Other Comprehensive Income (Loss) Other Comprehensive Income (Loss) text tags (Details) Sheet http://www.carverbank.com/role/OtherComprehensiveIncomeLossOtherComprehensiveIncomeLossTextTagsDetails Other Comprehensive Income (Loss) Other Comprehensive Income (Loss) text tags (Details) Details http://www.carverbank.com/role/OtherComprehensiveIncomeLossTables 79 false false R80.htm 2413402 - Disclosure - Employee Benefit and Stock Compensation Plans Benefits (Details) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansBenefitsDetails Employee Benefit and Stock Compensation Plans Benefits (Details) Details http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansTables 80 false false R81.htm 2413403 - Disclosure - Employee Benefit and Stock Compensation Plans Net Periodic Pension Benefit (Details) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansNetPeriodicPensionBenefitDetails Employee Benefit and Stock Compensation Plans Net Periodic Pension Benefit (Details) Details 81 false false R82.htm 2413404 - Disclosure - Employee Benefit and Stock Compensation Plans Actuarial Assumptions for Plan Benefits (Details) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansActuarialAssumptionsForPlanBenefitsDetails Employee Benefit and Stock Compensation Plans Actuarial Assumptions for Plan Benefits (Details) Details 82 false false R83.htm 2413405 - Disclosure - Employee Benefit and Stock Compensation Plans Stock Options (Details) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansStockOptionsDetails Employee Benefit and Stock Compensation Plans Stock Options (Details) Details 83 false false R84.htm 2413406 - Disclosure - Employee Benefit and Stock Compensation Plans Information regarding stock options (Details) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansInformationRegardingStockOptionsDetails Employee Benefit and Stock Compensation Plans Information regarding stock options (Details) Details 84 false false R85.htm 2413408 - Disclosure - Employee Benefit and Stock Compensation Plans Benefit and Stock Compensation Text tags (Details) Sheet http://www.carverbank.com/role/EmployeeBenefitAndStockCompensationPlansBenefitAndStockCompensationTextTagsDetails Employee Benefit and Stock Compensation Plans Benefit and Stock Compensation Text tags (Details) Details 85 false false R86.htm 2414402 - Disclosure - Commitments and Contingencies Commitments (Details) Sheet http://www.carverbank.com/role/CommitmentsAndContingenciesCommitmentsDetails Commitments and Contingencies Commitments (Details) Details http://www.carverbank.com/role/CommitmentsAndContingenciesCommitmentsAndContingenciesTables 86 false false R87.htm 2414403 - Disclosure - Commitments and Contingencies Repurchase request (Details) Sheet http://www.carverbank.com/role/CommitmentsAndContingenciesRepurchaseRequestDetails Commitments and Contingencies Repurchase request (Details) Details 87 false false R88.htm 2414404 - Disclosure - Commitments and Contingencies Representation and warranty reserve (Details) Sheet http://www.carverbank.com/role/CommitmentsAndContingenciesRepresentationAndWarrantyReserveDetails Commitments and Contingencies Representation and warranty reserve (Details) Details 88 false false R89.htm 2414405 - Disclosure - Commitments and Contingencies Lease Commitments (Details) Sheet http://www.carverbank.com/role/CommitmentsAndContingenciesLeaseCommitmentsDetails Commitments and Contingencies Lease Commitments (Details) Details 89 false false R90.htm 2414406 - Disclosure - Commitments and Contingencies Text figures (Details) Sheet http://www.carverbank.com/role/CommitmentsAndContingenciesTextFiguresDetails Commitments and Contingencies Text figures (Details) Details 90 false false R91.htm 2415402 - Disclosure - Fair Value on a Recurring basis (Details) Sheet http://www.carverbank.com/role/FairValueOnRecurringBasisDetails Fair Value on a Recurring basis (Details) Details 91 false false R92.htm 2415403 - Disclosure - Fair Value Measurements Assets classified within Level 3 valuation (Details) Sheet http://www.carverbank.com/role/FairValueMeasurementsAssetsClassifiedWithinLevel3ValuationDetails Fair Value Measurements Assets classified within Level 3 valuation (Details) Details 92 false false R93.htm 2415404 - Disclosure - Fair Value Measurements Fair Value on a Non-recurring basis (Details) Sheet http://www.carverbank.com/role/FairValueMeasurementsFairValueOnNonRecurringBasisDetails Fair Value Measurements Fair Value on a Non-recurring basis (Details) Details 93 false false R94.htm 2415405 - Disclosure - Fair Value Measurements Text Tag (Details) Sheet http://www.carverbank.com/role/FairValueMeasurementsTextTagDetails Fair Value Measurements Text Tag (Details) Details 94 false false R95.htm 2416402 - Disclosure - Fair Value of Financial Instruments (Details) Sheet http://www.carverbank.com/role/FairValueOfFinancialInstrumentsDetails Fair Value of Financial Instruments (Details) Details http://www.carverbank.com/role/FairValueOfFinancialInstrumentsTables 95 false false R96.htm 2417402 - Disclosure - Variable Interest Entities VIE (Details) Sheet http://www.carverbank.com/role/VariableInterestEntitiesVieDetails Variable Interest Entities VIE (Details) Details http://www.carverbank.com/role/VariableInterestEntitiesTables 96 false false R97.htm 2417403 - Disclosure - Variable Interest Entities Text Tag (Details) Sheet http://www.carverbank.com/role/VariableInterestEntitiesTextTagDetails Variable Interest Entities Text Tag (Details) Details 97 false false R98.htm 2418402 - Disclosure - Quarterly Financial Data Quarterly Financial Data (Details) Sheet http://www.carverbank.com/role/QuarterlyFinancialDataQuarterlyFinancialDataDetails Quarterly Financial Data Quarterly Financial Data (Details) Details 98 false false R99.htm 2418403 - Disclosure - Quarterly Financial Data Quarterly Financial Data Text Tags (Details) Sheet http://www.carverbank.com/role/QuarterlyFinancialDataQuarterlyFinancialDataTextTagsDetails Quarterly Financial Data Quarterly Financial Data Text Tags (Details) Details 99 false false R100.htm 2419402 - Disclosure - Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Financial Condition (Details) Sheet http://www.carverbank.com/role/CarverBancorpIncParentCompanyOnlyParentCompanyStatementsOfFinancialConditionDetails Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Financial Condition (Details) Details 100 false false R101.htm 2419403 - Disclosure - Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Income (Details) Sheet http://www.carverbank.com/role/CarverBancorpIncParentCompanyOnlyParentCompanyStatementsOfIncomeDetails Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Income (Details) Details 101 false false R102.htm 2419404 - Disclosure - Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Cash Flow (Details) Sheet http://www.carverbank.com/role/CarverBancorpIncParentCompanyOnlyParentCompanyStatementsOfCashFlowDetails Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Cash Flow (Details) Details 102 false false All Reports Book All Reports Presentation group ''Deposits Deposits and interest rates (Details)'', has multiple root nodes. XBRL allows unordered root nodes, but rendering requires ordering. They will instead be ordered by their labels. To avoid undesirable ordering of axes and primary items across multiple root nodes, rearrange the presentation group to have only a single root node. In ''Consolidated Statements of Financial Position'', column(s) 3, 4, 5 are contained in other reports, so were removed by flow through suppression. In ''Consolidated Statements of Financial Position Parentheticals'', column(s) 7, 8 are contained in other reports, so were removed by flow through suppression. In ''Consolidated Statements of Operations'', column(s) 2, 4, 6, 8, 10, 12, 14, 20 are contained in other reports, so were removed by flow through suppression. In ''Consolidated Statements of Comprehensive Income (Loss) Statement'', column(s) 1, 2, 3, 4, 5, 6, 7, 10 are contained in other reports, so were removed by flow through suppression. In ''Consolidated Statements of Cash Flows'', column(s) 1, 2, 3, 4, 5, 7, 8, 11, 12 are contained in other reports, so were removed by flow through suppression. carv-20150331.xml carv-20150331_cal.xml carv-20150331_def.xml carv-20150331_lab.xml carv-20150331_pre.xml carv-20150331.xsd true true XML 119 R74.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings (Loss) Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Earnings (Loss) Per Common Share [Abstract]

Net (loss) / income attributable to Carver Bancorp, Inc. $ (126) $ 111 $ 210 $ 169 $ (769) $ 342 $ 414 $ 364 $ (836) $ 662

Dividends, Preferred Stock 0 0 0

Net Income (Loss) available to common shareholders $ 364 $ (836) $ 662

Weighted Average Number of Shares Outstanding, Basic 3,696,359 3,696,149 3,695,625

Weighted Average Number Diluted Shares Outstanding Adjustment 253 507 1,775

Weighted Average Number of Common Shares Outstanding, Diluted 3,696,612 3,696,656 3,697,400

Earnings Per Share, Basic $ (0.03) $ 0.03 $ 0.06 $ 0.05 $ (0.21) $ 0.09 $ 0.11 $ 0.10 $ (0.23) $ 0.18

Earnings Per Share, Diluted $ (0.03) $ 0.03 $ 0.06 $ 0.05 $ (0.21) $ 0.09 $ 0.11 $ 0.10 $ (0.23) $ 0.18

X

- Definition
Earnings (Loss) Per Common Share [Abstract]
+ References
No definition available.
+ Details

Name: carv_EarningsLossPerCommonShareAbstract

Namespace Prefix: carv_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6957935&loc=d3e64057-112817

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_DividendsPreferredStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1377-109256

+ Details

Name: us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net result for the period of deducting operating expenses from operating revenues.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Weighted-Average Number of Common Shares Outstanding

-URI http://asc.fasb.org/extlink&oid=6528421

+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

XML 120 R38.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans (Tables)
12 Months Ended

Mar. 31, 2015

Compensation and Retirement Disclosure [Abstract]

Schedule of Changes in Projected Benefit Obligations [Table Text Block]
The following table sets forth the plan's changes in benefit obligation, changes in plan assets and funded status and amounts recognized in Carver Federal's consolidated financial statements at March 31:
$ in thousands
2015

2014
Change in benefit obligation:

Benefit obligation at the beginning of year
$
—

$
2,426

Interest cost
—

61

Actuarial gain
—

(165
)
Benefits paid
—

(2,497
)
Settlements
—

175

Benefit obligation at end of year
$
—

$
—

Change in fair value of plan assets:

Fair value of plan assets at beginning of year
$
—

$
2,023

Actual return on plan assets
—

120

Contributions
—

354

Benefits paid
—

(97
)
Settlements
—

(2,400
)
Fair value of plan assets at end of year
$
—

$
—

Funded status
$
—

$
—

Accrued pension cost
$
—

$
—

Schedule of Net Benefit Costs [Table Text Block]
Net periodic pension cost includes the following components for the years ended March 31:
$ in thousands
2015

2014

2013
Interest cost
$
—

$
61

$
106

Unrecognized loss
—

34

45

Settlement charge
—

1,180

100

Expected return on plan assets
—

(106
)

(176
)
Net periodic pension cost
$
—

$
1,169

$
75

Schedule of Assumptions Used [Table Text Block]
Significant actuarial assumptions used in determining plan benefits for the years ended March 31 are as follows:

2015

2014

2013
Annual salary increase⁽¹⁾
—

—

—

Expected long-term return on assets
N/A

N/A

8.00
%
Discount rate used in measurement of benefit obligations
N/A

N/A

3.75
%
⁽¹⁾
The annual salary increase rate is not applicable as the plan is frozen and no new benefits accrue.

Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]
Information regarding stock options as of and for the years ended March 31 is as follows:

2015

2014

2013

Options ⁽¹⁾

Weighted
Average
Exercise
Price

Options ⁽¹⁾

Weighted
Average
Exercise
Price

Options ⁽¹⁾

Weighted
Average
Exercise
Price
Outstanding, beginning of year
4,029

258.16

5,362

$
255.17

7,362

$
235.00

Granted
—

—

—

—

—

—

Exercised
—

—

—

—

—

—

Expired/Forfeited
1,000

294.45

1,333

246.15

2,000

180.90

Outstanding, end of year
3,029

246.18

4,029

258.16

5,362

255.17

Exercisable, at year end
3,002

3,975

5,229

⁽¹⁾ Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011

Schedule of Share-based Compensation, Stock Options and Stock Appreciation Rights Award Activity [Table Text Block]
Information regarding stock options as of and for the year ended March 31, 2015 is as follows :

Options Outstanding

Options Exercisable
Range of
Exercise Prices

Shares

Weighted
Average
Remaining
Life

Weighted
Average
Exercise
Price

Shares

Weighted
Average
Exercise
Price
$
90.00

$
104.85

134

5.36

$97.50

107

$97.50
240.00

254.85

1,899

2.78

250.61

1,899

16.71
255.00

269.85

996

1.18

257.63

996

257.63

Total

3,029

3,002

Option pricing model assumptions [Table Text Block]
The fair value of the option grants was estimated on the date of the grant using the Black-Scholes option pricing model applying the following weighted average assumptions for the years ended March 31:

2015

2014

2013
Risk-free interest rate
N/A

N/A

N/A
Volatility
N/A

N/A

N/A
Annual dividends
N/A

N/A

N/A
Expected life of option grants
N/A

N/A

N/A

X

- Definition
[Table Text Block] for Option pricing model assumptions [Table]
+ References
No definition available.
+ Details

Name: carv_OptionPricingModelAssumptionsTableTextBlock

Namespace Prefix: carv_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationAndRetirementDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation and net benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (k)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_ScheduleOfAssumptionsUsedTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the change in the benefit obligation of pension plans and/or other employee benefit plans from the beginning to the end of the period, showing separately, if applicable, the effects of the following: service cost, interest cost, contributions by plan participants, actuarial gains and losses, foreign currency exchange rate changes, benefits paid, plan amendments, business combinations, divestitures, curtailments, settlements, and special and contractual termination benefits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_ScheduleOfChangesInProjectedBenefitObligationsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=35743120&loc=d3e1928-114920

+ Details

Name: us-gaap_ScheduleOfNetBenefitCostsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for stock options and stock appreciation rights that were outstanding at the beginning and end of the year, exercisable at the end of the year, and the number of stock options and stock appreciation rights that were granted, exercised or converted, forfeited, and expired during the year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ScheduleOfShareBasedCompensationStockOptionsAndStockAppreciationRightsAwardActivityTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 121 R20.htm IDEA: XBRL DOCUMENT v3.2.0.727

Employee Benefit and Stock Compensation Plans (Notes)
12 Months Ended

Mar. 31, 2015

Compensation and Retirement Disclosure [Abstract]

Compensation and Employee Benefit Plans [Text Block]
EMPLOYEE BENEFIT AND STOCK COMPENSATION PLANS

Pension Plan. Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter fiscal 2014 results. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30.

The following table sets forth the plan's changes in benefit obligation, changes in plan assets and funded status and amounts recognized in Carver Federal's consolidated financial statements at March 31:
$ in thousands
2015

2014
Change in benefit obligation:

Benefit obligation at the beginning of year
$
—

$
2,426

Interest cost
—

61

Actuarial gain
—

(165
)
Benefits paid
—

(2,497
)
Settlements
—

175

Benefit obligation at end of year
$
—

$
—

Change in fair value of plan assets:

Fair value of plan assets at beginning of year
$
—

$
2,023

Actual return on plan assets
—

120

Contributions
—

354

Benefits paid
—

(97
)
Settlements
—

(2,400
)
Fair value of plan assets at end of year
$
—

$
—

Funded status
$
—

$
—

Accrued pension cost
$
—

$
—

Net periodic pension cost includes the following components for the years ended March 31:
$ in thousands
2015

2014

2013
Interest cost
$
—

$
61

$
106

Unrecognized loss
—

34

45

Settlement charge
—

1,180

100

Expected return on plan assets
—

(106
)

(176
)
Net periodic pension cost
$
—

$
1,169

$
75

Significant actuarial assumptions used in determining plan benefits for the years ended March 31 are as follows:

2015

2014

2013
Annual salary increase⁽¹⁾
—

—

—

Expected long-term return on assets
N/A

N/A

8.00
%
Discount rate used in measurement of benefit obligations
N/A

N/A

3.75
%
⁽¹⁾
The annual salary increase rate is not applicable as the plan is frozen and no new benefits accrue.

Directors' Retirement Plan. Concurrent with the conversion to the stock form of ownership, Carver Federal adopted a retirement plan for non-employee directors.  The plan was curtailed during the fiscal year ended March 31, 2001.  The benefits are payable based on the term of service as a director through the date of curtailment. As of March 31, 2015, there was no outstanding payable under this plan.

Savings Incentive Plan. Carver has a savings incentive plan, pursuant to Section 401(k) of the Code, for all eligible employees of the Bank. The Bank matches contributions to the 401(k) Plan equal to 100% of pre-tax contributions made by each employee up to a maximum of 3% of their pay, subject to IRS limitations. All such matching contributions are fully vested and non-forfeitable at all times regardless of the years of service with the Bank.

Under the profit-sharing feature, if the Bank achieves a minimum of 70% of its net income goal as mentioned previously, the Compensation Committee may authorize an annual non-elective contribution to the 401(k) Plan on behalf of each eligible employee up to 2% of the employee's annual pay, subject to IRS limitations. This non-elective contribution may be made regardless of whether the employee makes a contribution to the 401(k) Plan. Non-elective Bank contributions, if awarded, vest 20% each year for the first five years of employment and are fully vested thereafter.

To be eligible for the matching contribution, the employee must be 21 years of age and have completed at least three months of service. To be eligible for the non-elective Carver contribution, the employee must also be employed as of the last day of the plan year.

Management Recognition Plan (“MRP”). The MRP provided for grants of restricted stock to certain employees at September 12, 1995 adoption of the MRP.  On March 28, 2005 the plan was amended for all future awards.  The MRP provides for additional discretionary grants of restricted stock to those employees selected by the committee established to administer the MRP.  Awards granted prior to March 28, 2005, generally vest in three to five equal annual installments commencing on the first anniversary date of the award, provided the recipient is still an employee of the Company or the Bank on such date.  Under the amended plan, awards granted after March 28, 2005 vest based on a five-year performance-accelerated vesting schedule.  Ten percent of the awarded shares vest in each of the first four years and the remainder in the fifth year but the Compensation Committee may accelerate vesting at any time.  Awards will become 100% vested upon termination of service due to death or disability.  When shares become vested and are distributed, the recipients will receive an amount equal to any accrued dividends with respect thereto.  There are no shares available to grant under the MRP. Pursuant to the MRP, the Bank recognized $10 thousand, $27 thousand and $65 thousand as expense for fiscal year 2015, 2014 and 2013, respectively.

Stock Option Plans. During 1995, the Company adopted the 1995 Stock Option Plan (the “1995 Plan”) to advance the interests of the Bank through providing stock options to select key employees and directors of the Bank and its affiliates.  The number of shares reserved for issuance under the plan was 22,591.  The 1995 plan expired by its term and no new options may be granted under it, however, stock options granted under the 1995 Plan continue in accordance with their terms.  At March 31, 2015, there were 1,104 options outstanding and 1,104 were exercisable.  Options are granted at the fair market value of Carver Federal common stock at the time of the grant for a period not to exceed ten years.  Under the 1995 Plan option grants generally vest on an annual basis ratably over either three or five years, commencing after one year of service and, in some instances, portions of option grants vest at the time of the grant.  On March 28, 2005, the plan was amended and vesting of future awards is based on a five-year performance-accelerated vesting schedule. Ten percent of the awarded options vest in each of the first four years and the remainder in the fifth year, but the Committee may accelerate vesting at any time. All options are exercisable immediately upon a participant's disability, death or a change in control, as defined in the Plan.

In September 2006, Carver stockholders approved the 2006 Stock Incentive Plan (the "2006 Incentive Plan") which provides for the grant of stock options, stock appreciation rights and restricted stock to employees and directors who are selected to receive awards by the Committee.  The 2006 Incentive Plan authorizes Carver to grant awards with respect to 20,000 shares, but no more than 10,000 shares of restricted stock may be granted. Options are granted at a price not less than fair market value of Carver common stock at the time of the grant for a period not to exceed 10 years.  Shares generally vest in 20% increments over 5 years, however, the Committee may specify a different vesting schedule.  At March 31, 2015, there were 1,925 options outstanding under the 2006 Incentive Plan and 1,898 were exercisable.  All options are exercisable immediately upon a participant's disability, death or a change in control, as defined in the 2006 Incentive Plan, if the person is employed on that date.

In September 2014, Carver stockholders approved the Carver Bancorp, Inc. 2014 Equity Incentive Plan (the "2014 Incentive Plan") which provides for the grant of stock options, stock appreciation rights and restricted stock to executive officers and directors who are selected to receive awards by the Committee. The 2014 Incentive Plan authorizes Carver to grant awards with respect to 250,000 shares. All of the shares may be issued pursuant to stock options (all of which may be incentive stock options) or all of which may be issued pursuant to restricted stock awards or restricted stock units. Unless the Committee determines otherwise, the award agreements will specify that no award will vest more rapidly than 25% per year over a four-year period, with the first installment vesting one year after the date of grant, subject to acceleration upon the occurrence of specific events. At March 31, 2015, there were no options outstanding and no restricted stock awards issued under the 2014 Incentive Plan. All options are exercisable immediately upon a participant's disability, death or change in control, as defined in the 2014 Incentive Plan, if the person is employed on that date.

Information regarding stock options as of and for the years ended March 31 is as follows:

2015

2014

2013

Options ⁽¹⁾

Weighted
Average
Exercise
Price

Options ⁽¹⁾

Weighted
Average
Exercise
Price

Options ⁽¹⁾

Weighted
Average
Exercise
Price
Outstanding, beginning of year
4,029

258.16

5,362

$
255.17

7,362

$
235.00

Granted
—

—

—

—

—

—

Exercised
—

—

—

—

—

—

Expired/Forfeited
1,000

294.45

1,333

246.15

2,000

180.90

Outstanding, end of year
3,029

246.18

4,029

258.16

5,362

255.17

Exercisable, at year end
3,002

3,975

5,229

⁽¹⁾ Options for all periods presented reflects a 1-for-15 reverse stock split which was effective on October 27, 2011

Information regarding stock options as of and for the year ended March 31, 2015 is as follows :

Options Outstanding

Options Exercisable
Range of
Exercise Prices

Shares

Weighted
Average
Remaining
Life

Weighted
Average
Exercise
Price

Shares

Weighted
Average
Exercise
Price
$
90.00

$
104.85

134

5.36

$97.50

107

$97.50
240.00

254.85

1,899

2.78

250.61

1,899

16.71
255.00

269.85

996

1.18

257.63

996

257.63

Total

3,029

3,002

There were no stock options awarded to employees during the years ended March 31, 2015, 2014 and 2013.

The fair value of the option grants was estimated on the date of the grant using the Black-Scholes option pricing model applying the following weighted average assumptions for the years ended March 31:

2015

2014

2013
Risk-free interest rate
N/A

N/A

N/A
Volatility
N/A

N/A

N/A
Annual dividends
N/A

N/A

N/A
Expected life of option grants
N/A

N/A

N/A

The Company recorded compensation expense of $2 thousand in fiscal 2015 and $2 thousand in fiscal 2014.

Performance Compensation Plan.  In 2006, Carver adopted the Performance Compensation Plan of Carver Bancorp, Inc. (the "Performance Compensation Plan"). This Performance Compensation Plan provides for cash payments to officers or employees designated by the Compensation Committee, which also determines the amount awarded to such participants.  Vesting is generally 20% a year over 5 years and awards are fully vested on a change in control (as defined), or termination of employment by death or disability, but the Committee may accelerate vesting at any time.  Payments are made as soon as practicable after the end of the fiscal year in which amounts vest.  In fiscal year 2008, the Company granted its first awards under the new Performance Compensation Plan. No compensation expense was recognized in fiscal year 2015 and $8 thousand was recognized in 2014.

X

- Definition
The entire disclosure for an entity's employee compensation and benefit plans, including, but not limited to, postemployment and postretirement benefit plans, defined benefit pension plans, defined contribution plans, non-qualified and supplemental benefit plans, deferred compensation, share-based compensation, life insurance, severance, health care, unemployment and other benefit plans.
+ References
No definition available.
+ Details

Name: us-gaap_CompensationAndEmployeeBenefitPlansTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationAndRetirementDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 122 R101.htm IDEA: XBRL DOCUMENT v3.2.0.727

Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Income (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2015

Mar. 31, 2014

Mar. 31, 2013

Interest Expense, Borrowings $ 1,089 $ 1,154

Other Expenses 8,099 7,735

Income / (loss) before income taxes 249 (844)

Income tax expense (benefit) $ (31) $ (62) $ (57) $ (16) $ (8) $ (16) $ (72) 166 102 $ 328

Net Income (Loss) Attributable to Carver Bancorp, Inc. 364 (836)

Parent Company [Member]

Income (Loss) from Subsidiaries, before Tax 1,218 14 1,561

Other Income 21 29 35

Total income (loss) 1,239 43 1,596

Interest Expense, Borrowings 446 450 471

Salaries and employee benefits 167 172 181

Shareholder expense 95 82 99

Other Expenses 167 175 183

Total expense 875 879 934

Income / (loss) before income taxes 364 (836) 662

Income tax expense (benefit) 0 0 0

Net Income (Loss) Attributable to Carver Bancorp, Inc. $ 364 $ (836) $ 662

X

- Definition
Shareholder expense
+ References
No definition available.
+ Details

Name: carv_ShareholderExpense

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Total Expenses
+ References
No definition available.
+ Details

Name: carv_TotalExpenses

Namespace Prefix: carv_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 940

-SubTopic 20

-Section 25

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35710027&loc=d3e41242-110953

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 10

-Article 5

+ Details

Name: us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount before tax of income (loss) of subsidiary attributable to the parent entity.
+ References
No definition available.
+ Details

Name: us-gaap_IncomeLossFromSubsidiariesBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 08

-Paragraph h

-Article 4

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all borrowings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.7,8)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestExpenseBorrowings

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.4)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_LaborAndRelatedExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This element represents a sum total of expenses not separately reflected on the income statement for the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.7)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.4,6)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 7

-Article 7

+ Details

Name: us-gaap_OtherExpenses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Reflects the sum of all other revenue and income recognized by the entity in the period not otherwise specified in the income statement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.4)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 4

-Article 7

+ Details

Name: us-gaap_OtherIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.1)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 1

-Article 5

+ Details

Name: us-gaap_Revenues

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Details

Name: dei_LegalEntityAxis=us-gaap_ParentCompanyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

Income Taxes Components of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended							12 Months Ended
	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Federal Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current Federal Tax Expense (Benefit)								$ 0	$ (35)	$ 149
State and Local Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current State and Local Tax Expense (Benefit)								166	137	179
Income tax expense (benefit)	$ (31)	$ (62)	$ (57)	$ (16)	$ (8)	$ (16)	$ (72)	$ 166	$ 102	$ 328

Credit Risk Profile Internal Grade (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	$ 483,193	$ 389,956
Multifamily Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	94,706	47,525
Multifamily Loans [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	93,218	46,028
Multifamily Loans [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Multifamily Loans [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	1,488	1,497
Multifamily Loans [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Multifamily Loans [Member] \| Unlikely to be Collected Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	185,851	198,101
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	181,340	184,850
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	1,890	7,129
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	2,621	6,122
Commercial Real Estate Portfolio Segment [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Commercial Real Estate Portfolio Segment [Member] \| Unlikely to be Collected Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Construction Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	5,076	5,070
Construction Loans [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	5,076	5,070
Construction Loans [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Construction Loans [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Construction Loans [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Construction Loans [Member] \| Unlikely to be Collected Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Commercial Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	70,599	26,931
Commercial Loan [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	62,419	20,638
Commercial Loan [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	1,065	1,295
Commercial Loan [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	7,115	4,998
Commercial Loan [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
Commercial Loan [Member] \| Unlikely to be Collected Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	0	0
One- to four family loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	126,527	112,191
One- to four family loans [Member] \| Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	122,689	109,890
One- to four family loans [Member] \| Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	3,838	2,301
Consumer Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	434	138
Consumer Loan [Member] \| Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	434	137
Consumer Loan [Member] \| Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans Receivable, Net	$ 0	$ 1

Other Comprehensive Income (Loss) Reclassifications from Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Statement of Comprehensive Income [Abstract]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax	$ 8	$ 552
Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, Net of Tax	0	1,148
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	$ 8	$ (596)

Income Taxes Income Taxes Text tags (Details) - USD ($)	3 Months Ended								12 Months Ended
Income Taxes Income Taxes Text tags (Details) - USD ($)	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2013	Jun. 30, 2013	Jun. 30, 2011	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
INCOME TAXES [Abstract]
Income Tax Effects Allocated Directly to Equity									$ 0
Income tax expense (benefit)	$ (31,000)	$ (62,000)	$ (57,000)	$ (16,000)	$ (8,000)	$ (16,000)	$ (72,000)		166,000	$ 102,000	$ 328,000
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount									741,000	$ (204,000)	$ 795,000
Stock Issued During Period, Value, Issued for Cash								$ 55,000,000
Operating Loss Carryforwards	900,000								900,000
Deferred Tax Assets, Net of Valuation Allowance	29,200,000								29,200,000
Deferred Tax Asset Reduction	5,800,000								5,800,000
Deferred Tax Assets, Net of Valuation Allowance, Current	23,400,000								23,400,000
Deferred Tax Assets, Operating Loss Carryforwards, Federal	33,900,000								33,900,000
Deferred Tax Assets, Operating Loss Carryforwards, State and Local	52,700,000								52,700,000
Deferred Tax Assets, Operating Loss Carryforwards, City	$ 47,200,000								$ 47,200,000

Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
Impaired Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Related Allowance	$ 556	$ 1,631
Impaired Financing Receivable, Recorded Investment	16,512	22,502
Impaired Financing Receivable, Unpaid Principal Balance	17,195	23,328
Impaired Financing Receivable, Average Recorded Investment	14,732	25,805	$ 30,351
Impaired Financing Receivable, Interest Income, Cash Basis Method	461	667	825
One- to four family loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,752	639
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	3,007	893
Impaired Financing Receivable, with Related Allowance, Recorded Investment	4,295	5,833
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	4,541	5,958
Impaired Financing Receivable, Related Allowance	286	520
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	1,669	1,541	1,215
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	17	12	47
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	5,158	5,290	5,363
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	104	142	57
Multifamily Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	237	0
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	237	0
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,251	2,240
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,349	2,240
Impaired Financing Receivable, Related Allowance	181	92
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	222	729	308
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	17	5
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	1,255	513	0
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	24	0	0
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,880	3,972
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,880	4,147
Impaired Financing Receivable, with Related Allowance, Recorded Investment	741	4,812
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	741	5,023
Impaired Financing Receivable, Related Allowance	76	255
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	1,670	7,941	9,865
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	83	227	235
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	0	3,991	6,302
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	0	43	133
Construction Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	0	393	1,230
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	0	0	53
Commercial Loan [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	4,568	341
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	4,652	402
Impaired Financing Receivable, with Related Allowance, Recorded Investment	788	4,664
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	788	4,664
Impaired Financing Receivable, Related Allowance	13	764
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	3,903	1,508	1,136
Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method	215	14	41
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	855	3,899	4,932
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	18	212	$ 254
Consumer Loan [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	0	1
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 0	$ 1

Stockholders' Equity Stockholders' Equity Text tags (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		9 Months Ended	12 Months Ended
	Jun. 30, 2011	Dec. 31, 1994	Dec. 31, 2011	Mar. 31, 2014	Mar. 31, 2015	Oct. 24, 1994
Stockholders' Equity Note [Abstract]
Common Stock, Shares, Issued				3,697,836	3,698,031	2,314,375
Common Stock, Par or Stated Value Per Share				$ 0.01	$ 0.01	$ 0.01
Share Price						$ 10
Proceeds from Issuance of Common Stock		$ 21.5
Tier One Leverage Capital Required for Capital Adequacy to Average Assets				9.00%	4.00%
Capital Required for Capital Adequacy to Risk Weighted Assets				13.00%	8.00%
OCC directive Tier 1 Leverage capital ratio				9.00%
OCC directive Total risk-based capital ratio				13.00%
Tier One Leverage Capital to Average Assets				10.38%	10.85%
Capital to Risk Weighted Assets				20.12%	16.78%
Tier One Risk Based Capital to Risk Weighted Assets				17.55%	15.10%
Proceeds from Issuance of Convertible Preferred Stock	$ 55.0
Proceeds from Issuance of Preferred Stock and Preference Stock	51.4
Proceeds from Contributions from Parent	$ 37.0		$ 7.0

Commitments and Contingencies Commitments (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Commitments [Abstract]
Mortgage loan commitments	$ 30,972	$ 5,750
Other Commitment	8,963	0
Line of Credit, Current	5,355	6,140
Letters of Credit Outstanding, Amount	234	245
Commitments and Contingencies	$ 45,524	$ 12,135

Other Comprehensive Income (Loss) Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2013	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax		$ (1,045)	$ (4,768)	$ 1,064
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net		3,700	(5,800)
Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax			0	(501)
Pension plan adjustment	$ (432)		(716)
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Reclassification Adjustments, Net			1,217
Accumulated Other Comprehensive Income (Loss), Net		(1,045)	(4,768)	$ 563
Other Comprehensive Income (Loss), Net of Tax		$ 3,723	$ (4,615)

Investment Securities Text Figures (Details)	3 Months Ended							12 Months Ended
Investment Securities Text Figures (Details)	Mar. 31, 2015 USD ($)	Dec. 31, 2014 USD ($)	Sep. 30, 2014 USD ($)	Jun. 30, 2014 USD ($)	Mar. 31, 2014 USD ($)	Sep. 30, 2013 USD ($)	Jun. 30, 2013 USD ($)	Mar. 31, 2015 USD ($)	Mar. 31, 2014 USD ($)	Mar. 31, 2013 USD ($)
Schedule of Investments [Line Items]
Income tax expense (benefit)	$ (31,000)	$ (62,000)	$ (57,000)	$ (16,000)	$ (8,000)	$ (16,000)	$ (72,000)	$ 166,000	$ 102,000	$ 328,000
Available-for-sale	$ 101,185,000				89,461,000			$ 101,185,000	89,461,000
Percentage Available-for-sale Securities	89.50%							89.50%
Held-to-maturity Securities, Amortized Cost	$ 11,922,000				9,029,000			$ 11,922,000	9,029,000
Percentage Held-to-maturity Securities	10.50%							10.50%
Trading Securities	$ 0							$ 0
Available-for-sale Securities, Change in Net Unrealized Holding Gain (Loss) before Taxes								1,000,000	4,800,000
Proceeds from Sale and Maturity of Held-to-maturity Securities								0	2,800,000
Gain (Loss) on Sale of Other Investments									$ 41,000
Financial Instruments, Owned and Pledged as Collateral, at Fair Value	$ 42,200,000							$ 42,200,000
Number of securities with unrealized loss								23	34
Number of MBS with unrealized loss more than 12 months								8
Number of agencies with unrealized loss more than 12 months	10							10
Mortgage-backed securities
Schedule of Investments [Line Items]
Percentage Available-for-Sale, Continuos Unrealized Loss Position	31.20%							31.20%
Available-for-sale	$ 27,019,000				27,741,000			$ 27,019,000	$ 27,741,000
Held-to-maturity Securities, Amortized Cost	$ 11,755,000				8,822,000			$ 11,755,000	8,822,000
US Government Agency Securities
Schedule of Investments [Line Items]
Percentage Available-for-Sale, Continuos Unrealized Loss Position	68.80%							68.80%
Available-for-sale	$ 57,850,000				$ 52,189,000			$ 57,850,000	$ 52,189,000

Stockholders' Equity (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Stockholders' Equity Note [Abstract]
Tier One Leverage Capital	$ 67,244	$ 66,648
Tier One Risk Based Capital	67,244	66,648
Total Risk Based Capital	74,738	76,429
Tier One Leverage Capital Required for Capital Adequacy	$ 24,793	$ 57,771
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	9.00%
Common Equity Tier 1 Risk Based Capital required for Capital Adequacy	$ 20,045
Common Equity Tier 1 Risk Based Capital minimum capital requirement	4.50%
Tier One Risk Based Capital Required for Capital Adequacy	$ 26,727	$ 49,382
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	13.00%
Total Risk Based Capital Required for Capital Adequacy	$ 35,636	$ 49,382
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	13.00%
Excess Tier One Leverage Capital	$ 42,451	$ 8,877
Excess Tier One Leverage Capital to Average Assets	6.85%	1.38%
Excess Common Equity Tier 1 Risk Based Capital	$ 47,199
Excess Common Equity Tier 1 Risk Based Capital percentage	10.60%
Excess Tier One Risk Based Capital	$ 40,517	$ 17,266
Excess Tier One Risk Based Capital to Risk Weighted Assets	9.10%	4.55%
Excess Capital	$ 39,102	$ 27,047
Tier One Leverage Capital to Average Assets	10.85%	10.38%
Common Equity Tier One Risk Based Capital	$ 67,244
Common Equity Tier One Risk Based Capital to Risk Weighted Assets	15.10%
Tier One Risk Based Capital to Risk Weighted Assets	15.10%	17.55%
Capital to Risk Weighted Assets	16.78%	20.12%
Excess Capital to Risk Weighted Assets	8.78%	7.12%

Accrued Interest Receivable Accrued Interest Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Accrued Interest Receivable [Abstract]
Loan receivable	$ 2,337	$ 2,139
Mortgage-backed securities	99	99
Investments and other interest-bearing assets	345	319
Interest Receivable	$ 2,781	$ 2,557

Carver Bancorp Inc.-Parent Company Only Parent Company Statements of Financial Condition (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2012	Dec. 30, 2010
Cash					$ 6,700
Other assets	$ 11,266	$ 11,218
Total assets	676,386	639,838
Borrowed Funds	83,403	70,403
Other liabilities	10,243	8,900
Total liabilities	621,407	588,669
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	54,979	51,169	$ 56,735
Total liabilities and equity	676,386	639,838
Parent Company [Member]
Cash	4,679	4,669	$ 4,654	$ 4,775
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	66,604	62,310
Other assets	54	70
Total assets	71,337	67,049
Borrowed Funds	13,403	13,403
Accounts payable to subsidiaries	1,249	878
Other liabilities	1,706	1,230
Total liabilities	16,358	15,511
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	54,979	51,538
Total liabilities and equity	$ 71,337	$ 67,049

Past due financing receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	$ 1,614	$ 3,823
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	1,371	1,313
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	5,853	8,988
Financing Receivable, Recorded Investment, Past Due	8,838	14,124
Financing Receivable, Recorded Investment, Current	474,355	375,832
Loans Receivable, Net	483,193	389,956
One- to four family loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	464	244
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	888
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	3,574	1,863
Financing Receivable, Recorded Investment, Past Due	4,038	2,995
Financing Receivable, Recorded Investment, Current	122,489	109,196
Loans Receivable, Net	126,527	112,191
Multifamily Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	444
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	434	0
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	1,054	2,240
Financing Receivable, Recorded Investment, Past Due	1,488	2,684
Financing Receivable, Recorded Investment, Current	93,218	44,841
Loans Receivable, Net	94,706	47,525
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	1,150	3,133
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	936	292
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	1,102	3,891
Financing Receivable, Recorded Investment, Past Due	3,188	7,316
Financing Receivable, Recorded Investment, Current	182,663	190,785
Loans Receivable, Net	185,851	198,101
Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	0
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	0
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	0	0
Financing Receivable, Recorded Investment, Past Due	0	0
Financing Receivable, Recorded Investment, Current	5,076	5,070
Loans Receivable, Net	5,076	5,070
Commercial Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	0
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	131
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	123	993
Financing Receivable, Recorded Investment, Past Due	123	1,124
Financing Receivable, Recorded Investment, Current	70,476	25,807
Loans Receivable, Net	70,599	26,931
Consumer Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	2
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	1	2
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	0	1
Financing Receivable, Recorded Investment, Past Due	1	5
Financing Receivable, Recorded Investment, Current	433	133
Loans Receivable, Net	$ 434	$ 138

Organization	12 Months Ended
Organization	Mar. 31, 2015
ORGANIZATION [Abstract]
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	ORGANIZATION Nature of operations Carver Bancorp, Inc. (on a stand-alone basis, the “Company” or “Registrant”), was incorporated in May 1996 and its principal wholly owned subsidiaries are Carver Federal Savings Bank (the “Bank” or “Carver Federal”) and Alhambra Holding Corp., an inactive Delaware corporation. Carver Federal's wholly owned subsidiaries are CFSB Realty Corp., Carver Community Development Corporation (“CCDC”) and CFSB Credit Corp., which is currently inactive. The Bank has a majority-owned interest in Carver Asset Corporation, a real estate investment trust formed in February 2004. “Carver,” the “Company,” “we,” “us” or “our” refers to the Company along with its consolidated subsidiaries. The Bank was chartered in 1948 and began operations in 1949 as Carver Federal Savings and Loan Association, a federally-chartered mutual savings and loan association. The Bank converted to a federal savings bank in 1986. On October 24, 1994, the Bank converted from a mutual holding company structure to stock form and issued 2,314,375 shares of its common stock, par value $0.01 per share. On October 17, 1996, the Bank completed its reorganization into a holding company structure (the “Reorganization”) and became a wholly owned subsidiary of the Company. In September 2003, the Company formed Carver Statutory Trust I (the “Trust”) for the sole purpose of issuing trust preferred securities and investing the proceeds in an equivalent amount of floating rate junior subordinated debentures of the Company. In accordance with Accounting Standards Codification (“ASC”) 810, “Consolidations,” Carver Statutory Trust I is unconsolidated for financial reporting purposes. Carver Federal’s principal business consists of attracting deposit accounts through its branches and investing those funds in mortgage loans and other investments permitted by federal savings banks. The Bank has ten branches located throughout the City of New York that primarily serve the communities in which they operate. On February 7, 2011, Carver Federal Savings Bank and Carver Bancorp, Inc. consented to enter into Cease and Desist Orders (the "Bank Order" and the “Company Order,” respectively, and together the "Orders") with the Office of Thrift Supervision ("OTS"). The OTS issued these Orders based upon its findings that the Company was operating with an inadequate level of capital for the volume, type and quality of assets held by the Company, that it was operating with an excessive level of adversely classified assets, and earnings inadequate to augment its capital. Effective July 21, 2011, supervisory authority for the Company Order passed to the Board of Governors of the Federal Reserve System and supervisory authority for the Bank Order passed to the Office of the Comptroller of the Currency ("OCC"). On November 3, 2014, the OCC notified the Bank that the OCC had determined that the Bank had satisfied all of the requirements of the Bank Order and directed that the Bank Order be terminated. In addition, the OCC notified the Bank that the OCC had determined that the Bank was no longer in "troubled condition" and was relieved of all prior conditions imposed on the Bank by the OTS as a result of its troubled condition designation. The Company Order has not been terminated. On June 29, 2011, the Company raised $55 million of capital by issuing 55,000 shares of mandatorily convertible non-voting participating preferred stock, Series C (the "Series C preferred stock"). The issuance resulted in a $51.4 million increase in equity after considering the effect of various expenses associated with the capital raise. The capital raise enabled the Company to make a capital injection of $37 million in the Bank on June 30, 2011. In December 2011, another $7 million capital injection was made in the Bank. The remainder of the net capital raised is retained by the Company for future strategic purposes or to downstream into the Bank, if necessary. No assurances can be given that the amount of capital raised is sufficient to absorb the expected losses in the Bank's loan portfolio. Should the losses be greater than expected, additional capital may be necessary in the future. On October 25, 2011, Carver's stockholders voted to approve a 1-for-15 reverse stock split. A separate vote of approval was given to convert the Series C preferred stock to non-cumulative non-voting participating preferred stock, Series D ("the Series D preferred stock") and to common stock and to exchange the U.S. Treasury's ("Treasury") Community Development Capital Initiative ("CDCI") Series B preferred stock for common stock. On October 27, 2011, the 1-for-15 reverse stock split was effected, which reduced the number of outstanding shares of common stock from 2,492,415 to 166,161. On October 28, 2011, the Treasury exchanged the CDCI Series B preferred stock for 2,321,286 shares of Carver common stock and the Series C preferred stock converted into 1,208,039 shares of Carver common stock and 45,118 shares of Series D preferred stock. Revisions Carver Federal had a non-contributory defined benefit pension plan covering all who were participants prior to curtailment of the plan during the fiscal year ended March 31, 2001. The benefits were based on each employee's term of service through the date of curtailment. Carver Federal's policy was to fund the plan with contributions which equal the maximum amount deductible for federal income tax purposes. The plan was terminated in December 2013 and the Company initially recorded a pension cost of $432 thousand in the third quarter of fiscal 2014. Subsequently, the Company determined that there was an error in the pension cost initially recorded. As a result, the Company recorded an additional charge of $716 thousand and adjusted its third quarter results reported in the Form 10-K for the year ended March 31, 2014. The Company also reclassified $716 thousand from accumulated deficit to accumulated other comprehensive loss in its fiscal year 2014 statement of changes in equity to correct the Company's accounting for benefit plans upon adoption and implementation of ASC 715-30 in the March 31, 2014 Form 10-K. Management determined that financial statements were not materially misstated as a result of these adjustments and, as such, concluded it was appropriate to adjust for these items in the March 31, 2014 Form 10-K rather than restating the December 31, 2013 Form 10-Q. Refer to note 18 for further detail on the the Company's unaudited quarterly financial data.

Income Taxes Deferred Tax Assets and Liabilities (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Components of Deferred Tax Assets and Liabilities [Abstract]
Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses	$ 1,681,000	$ 2,373,000
Deferred Tax Assets, Tax Deferred Expense, Other	(162,000)	193,000
Deferred Tax Asset Non-accrual loan interest	68,000	64,000
Deferred Tax Asset Purchase Accounting Adjustment	23,000	44,000
Deferred Tax Assets, Operating Loss Carryforwards	17,394,000	15,181,000
Deferred Tax Assets, Tax Credit Carryforwards, Other	2,207,000	2,175,000
Depreciation and amortization expense	977,000	782,000
Increase (Decrease) in Loans Held-for-sale	464,000	752,000
Deferred Tax Assets, Unrealized Losses on Available-For-Sale Securities	448,000	1,908,000
Deferred Tax Assets, Other	947,000	577,000
Deferred Tax Assets, Gross	24,047,000	24,049,000
Deferred Tax Liabilities, Investment in Noncontrolled Affiliates	(671,000)	(46,000)
Deferred Tax Liabilities, Gross	(671,000)	(46,000)
Net Deferred Tax Asset, before valuation allowance	23,376,000	24,095,000
Deferred Tax Assets, Valuation Allowance	23,376,000	(24,095,000)
Deferred Tax Assets, Net	$ 0	$ 0.0

Consolidated Statements of Financial Position - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Cash and cash equivalents:
Cash and due from banks	$ 44,864	$ 115,239
Money market investments	6,128	7,315
Total cash and cash equivalents	50,992	122,554
Restricted cash	6,354	6,354
Investment securities:
Available-for-sale	101,185	89,461
Held-to-maturity	11,922	9,029
Total investments	113,107	98,490
Loans held-for-sale (HFS)	2,576	5,011
Loans receivable:
Real estate mortgage loans	412,204	362,888
Commercial business loans	70,555	26,930
Consumer loans	434	138
Loans, net	483,193	389,956
Allowance for loan losses	(4,477)	(7,233)
Total loans receivable, net	478,716	382,723
Premises and equipment, net	7,075	7,830
Federal Home Loan Bank of New York (“FHLB-NY”) stock	3,519	3,101
Accrued interest receivable	2,781	2,557
Other assets	11,266	11,218
Total assets	676,386	639,838
Deposits:
Savings	95,009	98,051
Non-interest bearing checking	50,731	53,232
Interest-bearing checking	30,860	24,271
Money market	148,702	127,655
Certificates of deposit	202,459	206,157
Deposits	527,761	509,366
Advances from the FHLB-NY and other borrowed money	83,403	70,403
Other liabilities	10,243	8,900
Total liabilities	621,407	588,669
EQUITY
Preferred stock	45,118	45,118
Common stock	61	61
Additional paid-in capital	55,468	56,114
Accumulated deficit	(44,206)	(44,570)
Treasury stock, at cost	417	417
Accumulated Other Comprehensive (Loss) Income	(1,045)	(4,768)
Total Equity Attributable to Carver Bancorp, Inc.	54,979	51,538
Non-controlling Interest	0	(369)
Total equity	54,979	51,169
Total liabilities and equity	$ 676,386	$ 639,838

Fair Value Measurements Text Tag (Details)	12 Months Ended
Fair Value Measurements Text Tag (Details)	Mar. 31, 2015
FAIR VALUE MEASUREMENTS [Abstract]
Percent of Total Assets Level 3	0.00%
Transfers between level 1 and level 2	0

Loan and Lease Losses Text Figures (Details)	12 Months Ended
Loan and Lease Losses Text Figures (Details)	Mar. 31, 2015 USD ($)	Mar. 31, 2014 USD ($)	Mar. 31, 2013 USD ($)
Financing Receivable, Modifications [Line Items]
Modified Loan Subsequently Defaulted	$ 0
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 1,691,000	$ 1,591,000
Financing Receivable, Modifications, Number of Contracts	4	3
FNMA & 3rd party loans excluded from financial statements	$ 30,600,000	$ 33,600,000	$ 37,400,000
Loans Pledged as Collateral	58,400,000
Financing Receivable, Individually Evaluated for Impairment	16,512,000	22,502,000	31,022,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	556,000	1,631,000	2,311,000
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	$ 600,000	700,000	$ 3,200,000
Number of loans past due 90 days or more still accruing	0
Decrease in non-accrual loans	$ (4,200,000)
Percentage decrease in non-accrual loans	(33.20%)
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 8,395,000	12,559,000
Financing Receivable, Modifications, Recorded Investment	8,200,000	9,200,000
Impaired and non performing TDR loans	4,000,000	3,000,000
Other non-performing asset	6,900,000
Other Real Estate, Foreclosed Assets, and Repossessed Assets	$ 4,341,000	$ 1,369,000
Number of Real Estate Properties	10	8
Loans held-for-sale (HFS)	$ 2,576,000	$ 5,011,000
Number of TDR loans on accrual status	12	14
TDR Loans on Accrual Status	$ 4,600,000	$ 6,300,000
number of loans to related parties	1	0
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 860,000	$ 0
Financing Receivable, Modifications, Number of Contracts	1	0
Financing Receivable, Individually Evaluated for Impairment	$ 2,621,000	$ 8,784,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	76,000	255,000
Financing Receivable, Recorded Investment, Nonaccrual Status	2,817,000	7,024,000
One- to four family loans [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 43,000	$ 747,000
Financing Receivable, Modifications, Number of Contracts	1	2
Financing Receivable, Individually Evaluated for Impairment	$ 7,047,000	$ 6,472,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	287,000	520,000
Financing Receivable, Recorded Investment, Nonaccrual Status	3,664,000	2,301,000
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$ 788,000	$ 844,000
Financing Receivable, Modifications, Number of Contracts	2	1
Financing Receivable, Individually Evaluated for Impairment	$ 5,356,000	$ 5,005,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	12,000	764,000
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 861,000	$ 993,000

Quarterly Financial Data Quarterly Financial Data Text Tags (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2013	Mar. 31, 2014
Quarterly Financial Data [Abstract]
Pension plan adjustment	$ 432	$ 716

Deposits Certificates of Deposits $100,000 or more (Details) $ in Thousands	Mar. 31, 2015 USD ($)
Time Deposits, $100,000 or More [Abstract]
April 1, 2014 to June 30, 2014	$ 28,701
July 1, 2014 to September 30, 2014	4,612
October 1, 2014 to March 31, 2015	55,656
April 1, 2015 and beyond	67,141
Certificates of Deposits, $100,000 or More	$ 156,110

Consolidated Statements of Cash Flows - Scenario, Unspecified [Domain] - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income / (loss) before attribution of non-controlling interest	$ 83	$ (946)
Net (loss) / income attributable to non-controlling interest, net of taxes	(281)	(110)
Net Income (Loss) Attributable to Carver Bancorp, Inc.	364	(836)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for (recovery of) loan losses	(3,010)	(426)
Pension plan termination cost	0	1,148
Stock based compensation expense	2	2
Depreciation and amortization expense	1,052	1,079
Gain on sale of securities, net	(8)	(552)
Gain on sale of loans, net	2	(1,319)
Market adjustment on held-for-sale loans	(28)	(231)
Proceeds from sale of loans held-for-sale	0	21,614
Assets repurchased from third parties	(174)	(2,116)
(Increase) decrease in accrued interest receivable	(224)	(310)
Amortization and accretion of loan premiums and discounts and deferred charges	(1,216)	(2,280)
Amortization and accretion of premiums and discounts - securities	(223)	176
(Increase) decrease in other assets	4,872	(207)
(Decrease) increase in other liabilities	2,143	(563)
Net cash provided by operating activities	3,833	15,546
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of securities: Available-for-sale	(28,200)	(35,180)
Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale	16,209	51,592
Proceeds from principal payments, maturities and calls of securities: Held-to-maturity	886	5,105
Originations of loans held-for-investment	(66,783)	(68,450)
Loans purchased from third parties	(87,292)	(54,459)
Principal collections on loans	(59,097)	(89,570)
Proceeds on sale of loans	0	398
Decrease (increase) in restricted cash	0	4,311
Redemption (purchase) of FHLB-NY stock	(418)	402
Purchase of premises and equipment	(289)	(305)
Proceeds from sale of real estate owned	0	1,727
Net cash (used in) provided by investing activities	(106,790)	(5,289)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	18,395	13,651
Net (decrease) increase in FHLB-NY advances and other borrowings	13,000	(6,000)
Net cash provided by (used in) by financing activities	31,395	7,651
Net increase in cash and cash equivalents	(71,562)	17,908
Cash and cash equivalents at beginning of period	122,554
Cash and cash equivalents at end of period	50,992	122,554
Noncash financing and investing activities
Transfer of loans held-for-investment to loans held-for-sale	0	12,717
Transfer into real estate owned	2,775	954
Cash paid for-
Interest	3,474	3,576
Income Taxes	161	130
Market adjustment on real estate owned	(216)	0
Gain (loss) on real estate owned	$ 5	$ (257)

Consolidated Statements of Financial Position Parentheticals - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Held-to-maturity securities fair value	$ 12,231	$ 8,971
Series D convertible preferred stock	45,118	45,118
Series D convertible preferred stock Par Value	$ 0.01	$ 0.01
Series D convertible preferred stock liquidation preference for Issued	$ 1,000	$ 1,000
Series D convertible preferred stock liquidation preference for Outstanding	1,000	1,000
Common Stock	$ 0.01	$ 0.01
Common Stock shares authorized	10,000,000	10,000,000
Common Stock shares Issued	3,698,031	3,697,836
Common Stock shares Outstanding	3,696,087	3,695,892
Treasury Stock	1,944	1,944

Fair Value Measurements Fair Value on a Non-recurring basis (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]
Loans held-for-sale (HFS)	$ 2,576,000	$ 5,011,000
Impaired Loans with Specific Reserve Allocated	6,519,000	8,115,000
Other Real Estate, Foreclosed Assets, and Repossessed Assets	4,341,000	1,369,000
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]
Loans held-for-sale (HFS)	0	0
Impaired Loans with Specific Reserve Allocated	0	0
Other Real Estate, Foreclosed Assets, and Repossessed Assets	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]
Loans held-for-sale (HFS)	2,576,000	5,011,000
Impaired Loans with Specific Reserve Allocated	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]
Loans held-for-sale (HFS)	0	0
Impaired Loans with Specific Reserve Allocated	6,519,000	8,115,000
Other Real Estate, Foreclosed Assets, and Repossessed Assets	$ 0	$ 0

Fair Value on a Recurring basis (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Servicing Asset at Fair Value, Amount	$ 210	$ 265
Government National Mortgage Asscociation, AFS, Fair Value Disclosure	5,527	5,665
Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure	10,588	11,596
Federal National Mortgage Corporation, AFS, Fair Value Disclosure	10,857	10,431
Other	47	49
US Government Agency securities	57,850	52,189
Other Securities, AFS, Fair Value Disclosure	16,316	9,531
Available-for-sale	101,185	89,461
Assets, Fair Value Disclosure	101,395	89,726
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Servicing Asset at Fair Value, Amount	0	0
Government National Mortgage Asscociation, AFS, Fair Value Disclosure	0	0
Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure	0	0
Federal National Mortgage Corporation, AFS, Fair Value Disclosure	0	0
Other	0	0
US Government Agency securities	0	0
Other Securities, AFS, Fair Value Disclosure	0	0
Available-for-sale	0	0
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Servicing Asset at Fair Value, Amount	0	0
Government National Mortgage Asscociation, AFS, Fair Value Disclosure	5,527	5,665
Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure	10,588	11,596
Federal National Mortgage Corporation, AFS, Fair Value Disclosure	10,857	10,431
Other	0	0
US Government Agency securities	57,850	52,189
Other Securities, AFS, Fair Value Disclosure	16,316	9,531
Available-for-sale	101,138	89,412
Assets, Fair Value Disclosure	101,138	89,412
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Servicing Asset at Fair Value, Amount	210	265
Government National Mortgage Asscociation, AFS, Fair Value Disclosure	0	0
Federal Home Loan Mortgage Corp., AFS, Fair Value Disclosure	0	0
Federal National Mortgage Corporation, AFS, Fair Value Disclosure	0	0
Other	47	49
US Government Agency securities	0	0
Other Securities, AFS, Fair Value Disclosure	0	0
Available-for-sale	47	49
Assets, Fair Value Disclosure	$ 257	$ 314

Document and Entity Information Document - USD ($)	12 Months Ended
Document and Entity Information Document - USD ($)	Mar. 31, 2015	Sep. 30, 2014
Entity Information [Line Items]
Entity Registrant Name	CARVER BANCORP INC
Entity Central Index Key	0001016178
Current Fiscal Year End Date	--03-31
Entity Filer Category	Non-accelerated Filer
Document Type	10-K
Document Period End Date	Mar. 31, 2015
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding	3,696,087
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float		$ 33,671,353

Consolidated Statements of Operations - Scenario, Unspecified [Domain] - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Loans	$ 19,974	$ 20,734
Mortgage-backed securities	799	1,034
Investment securities	1,339	1,321
Money market investments	215	159
Total interest income	22,327	23,248
Interest expense:
Deposits	2,853	2,797
Advances and other borrowed money	1,089	1,154
Total interest expense	3,942	3,951
Net interest income	18,385	19,297
Provision for loan losses	(3,010)	(426)
Net interest income after provision for loan losses	21,395	19,723
Non-interest income:
Depository fees and charges	3,595	3,452
Loan fees and service charges	708	970
Gain on sale of securities, net	8	552
Gain on sale of loans, net	(2)	1,319
Gain (loss) on real estate owned	5	(257)
Lower of cost or market adjustment on loans held-for-sale	(28)	(231)
Other	1,282	1,001
Total non-interest income	5,568	6,806
Non-interest expense:
Employee compensation and benefits	11,588	11,802
Net occupancy expense	3,839	4,039
Equipment, net	900	983
Data processing	733	1,072
Consulting fees	952	506
Federal deposit insurance premiums	603	1,236
Other	8,099	7,735
Total non-interest expense	26,714	27,373
Income / (loss) before income taxes	249	(844)
Income tax expense (benefit)	166	102
Consolidated net (loss) / income	83	(946)
Net (loss) / income attributable to non-controlling interest	(281)	(110)
Net (loss) / income attributable to Carver Bancorp, Inc.	$ 364	$ (836)
(Loss) / Earnings per common share:
Earnings Per Share, Basic	$ 0.10	$ (0.23)
Earnings Per Share, Diluted	$ 0.10	$ (0.23)

Office Properties and Equipment, Net Office properties and Equipment, Net (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 31,087	$ 27,429
Less accumulated depreciation and amortization	(24,012)	(19,599)
Property, Plant and Equipment, Net	7,075	7,830
Land [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	155	155
Building and Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	10,469	8,319
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	8,064	7,231
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 12,399	$ 11,724

Deposits Maturities of Certificate of Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
certificate of deposits [Line Items]
Time Deposit Maturities, Next Twelve Months	$ 117,267
Time Deposit Maturities, Year Two	32,957
Time Deposit Maturities, Year Three	31,873
Time Deposit Maturities, after Three Years	18,026
Time Deposits	$ 200,123	$ 203,907
Percent of Total Time Deposit	100.00%
0%-0.99% Interest Rate [Member]
certificate of deposits [Line Items]
Time Deposit Maturities, Next Twelve Months	$ 86,119
Time Deposit Maturities, Year Two	5,653
Time Deposit Maturities, Year Three	4,063
Time Deposit Maturities, after Three Years	9,977
Time Deposits	$ 105,812
Percent of Total Time Deposit	52.87%
1% - 1.99% Interest Rate [Member]
certificate of deposits [Line Items]
Time Deposit Maturities, Next Twelve Months	$ 19,925
Time Deposit Maturities, Year Two	22,810
Time Deposit Maturities, Year Three	27,801
Time Deposit Maturities, after Three Years	7,886
Time Deposits	$ 78,422
Percent of Total Time Deposit	39.19%
2%-3.99% Interest Rate [Member]
certificate of deposits [Line Items]
Time Deposit Maturities, Next Twelve Months	$ 11,223
Time Deposit Maturities, Year Two	4,494
Time Deposit Maturities, Year Three	9
Time Deposit Maturities, after Three Years	159
Time Deposits	$ 15,885
Percent of Total Time Deposit	7.94%
4% and over Interest Rate [Member]
certificate of deposits [Line Items]
Time Deposit Maturities, Next Twelve Months	$ 0
Time Deposit Maturities, Year Two	0
Time Deposit Maturities, Year Three	0
Time Deposit Maturities, after Three Years	4
Time Deposits	$ 4
Percent of Total Time Deposit	0.00%

Deposits Deposits and interest rates (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Deposits, by Type [Abstract]
Noninterest-bearing demand	$ 50,731	$ 53,232
Interest-bearing checking	30,860	24,271
Savings	95,009	98,051
Money market	148,702	127,655
Certificates of deposit	200,123	203,907
Mortgagors deposits	2,336	2,250
Deposits	$ 527,761	$ 509,366
Percentage of Total Deposits [Abstract]
Percentage of Noninterest bearing demand deposits to deposits	9.61%	10.45%
Percentage of Interest-bearing Domestic Deposits to Deposits	5.85%	4.76%
Percentage of Interest-bearing Domestic Deposits to Deposits, Savings	18.00%	19.26%
Percentage of Interest-bearing Domestic Deposits to Deposits, Money Market	28.18%	25.06%
Percentage of Interest-bearing Domestic Deposits to Deposits, Certificates of Deposit	37.92%	40.03%
Percentage of other deposits to deposits	0.44%	0.44%
Percent Total Deposits	100.00%	100.00%
Weighted Average Rate Domestic Deposit Liabilities [Abstract]
Weighted Average Rate Domestic Deposit, Demand	0.00%	0.00%
Weighted Average Rate Domestic Deposit, Checking	0.16%	0.16%
Weighted Average Rate Domestic Deposit, Savings	0.27%	0.27%
Weighted Average Rate Domestic Deposit, Money Market	0.49%	0.46%
Weighted Average Rate Domestic Deposit, Certificates of Deposit	0.93%	1.01%
Weighted Average Rate-Other Deposit	1.53%	1.73%
Weighted Average Rate Domestic Deposit	0.55%	0.59%

Carver Bancorp Inc.-Parent Company Only Carver Bancorp Inc.-Parent Company Only (Notes)	12 Months Ended
	Mar. 31, 2015
Carver Bancorp, Inc.-Parent Company Only [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	CARVER BANCORP, INC. - PARENT COMPANY ONLY