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LOANS RECEIVABLE, NET | 12 Months Ended
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Sep. 30, 2015
LOANS RECEIVABLE, NET [Abstract] |
LOANS RECEIVABLE, NET | NOTE 3. LOANS RECEIVABLE, NET Year-end loans receivable were as follows:
|  | September 30, 2015 |  |  | September 30, 2014 |
|  | (Dollars in Thousands) |
1-4 Family Real Estate |  | $ | 125,021 |  |  | $ | 116,395 |
Commercial and Multi-Family Real Estate |  |  | 310,199 |  |  |  | 224,302 |
Agricultural Real Estate |  |  | 64,316 |  |  |  | 56,071 |
Consumer |  |  | 33,527 |  |  |  | 29,329 |
Commercial Operating |  |  | 29,893 |  |  |  | 30,846 |
Agricultural Operating |  |  | 43,626 |  |  |  | 42,258 |
Premium Finance |  |  | 106,505 |  |  |  | - |
Total Loans Receivable |  |  | 713,087 |  |  |  | 499,201 |
Less: |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  | (6,255 | ) |  |  | (5,397 | )
Net Deferred Loan Origination Fees |  |  | (577 | ) |  |  | (797 | )
Total Loans Receivable, Net |  | $ | 706,255 |  |  | $ | 493,007 |
Annual activity in the allowance for loan losses was as follows:
Year ended September 30, |  | 2015 |  |  | 2014 |  |  | 2013 |
|  | (Dollars in Thousands) |
Beginning balance |  | $ | 5,397 |  |  | $ | 3,930 |  |  | $ | 3,971 |
Provision (recovery) for loan losses |  |  | 1,465 |  |  |  | 1,150 |  |  |  | - |
Recoveries |  |  | 123 |  |  |  | 367 |  |  |  | 179 |
Charge offs |  |  | (730 | ) |  |  | (50 | ) |  |  | (220 | )
Ending balance |  | $ | 6,255 |  |  | $ | 5,397 |  |  | $ | 3,930 |
Allowance for Loan Losses and Recorded Investment in loans at September 30, 2015 and 2014 are as follows:
|  | 1-4 Family Real Estate |  |  | Commercial and Multi-Family Real Estate |  |  | Agricultural Real Estate |  |  | Consumer |  |  | Commercial Operating |  |  | Agricultural Operating |  |  | Premium Finance |  |  | Unallocated |  |  | Total |
|  | (Dollars in Thousands) |
Year Ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 552 |  |  | $ | 1,575 |  |  | $ | 263 |  |  | $ | 78 |  |  | $ | 93 |  |  | $ | 719 |  |  | $ | - |  |  | $ | 2,117 |  |  | $ | 5,397 |
Provision (recovery) for loan losses |  |  | (229 | ) |  |  | (180 | ) |  |  | (100 | ) |  |  | (58 | ) |  |  | (68 | ) |  |  | 3,004 |  |  |  | 464 |  |  |  | (1,368 | ) |  |  | 1,465 |
Charge offs |  |  | (45 | ) |  |  | (214 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (186 | ) |  |  | (285 | ) |  |  | - |  |  |  | (730 | )
Recoveries |  |  | - |  |  |  | 6 |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | - |  |  |  | 114 |  |  |  | - |  |  |  | 123 |
Ending balance |  | $ | 278 |  |  | $ | 1,187 |  |  | $ | 163 |  |  | $ | 20 |  |  | $ | 28 |  |  | $ | 3,537 |  |  | $ | 293 |  |  | $ | 749 |  |  | $ | 6,255 |
Ending balance: individually evaluated for impairment |  |  | - |  |  |  | 241 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3,252 |  |  |  | - |  |  |  | - |  |  |  | 3,493 |
Ending balance: collectively evaluated for impairment |  |  | 278 |  |  |  | 946 |  |  |  | 163 |  |  |  | 20 |  |  |  | 28 |  |  |  | 285 |  |  |  | 293 |  |  |  | 749 |  |  |  | 2,762 |
Total |  | $ | 278 |  |  | $ | 1,187 |  |  | $ | 163 |  |  | $ | 20 |  |  | $ | 28 |  |  | $ | 3,537 |  |  | $ | 293 |  |  | $ | 749 |  |  | $ | 6,255 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  |  | 121 |  |  |  | 1,350 |  |  |  | - |  |  |  | - |  |  |  | 11 |  |  |  | 5,132 |  |  |  | - |  |  |  | - |  |  |  | 6,614 |
Ending balance: collectively evaluated for impairment |  |  | 124,900 |  |  |  | 308,849 |  |  |  | 64,316 |  |  |  | 33,527 |  |  |  | 29,882 |  |  |  | 38,494 |  |  |  | 106,505 |  |  |  | - |  |  |  | 706,473 |
Total |  | $ | 125,021 |  |  | $ | 310,199 |  |  | $ | 64,316 |  |  | $ | 33,527 |  |  | $ | 29,893 |  |  | $ | 43,626 |  |  | $ | 106,505 |  |  | $ | - |  |  | $ | 713,087 |
|  | 1-4 Family Real Estate |  |  | Commercial and Multi-Family Real Estate |  |  | Agricultural Real Estate |  |  | Consumer |  |  | Commercial Operating |  |  | Agricultural Operating |  |  | Premium Finance |  |  | Unallocated |  |  | Total |
|  | (Dollars in Thousands) |
Year Ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 333 |  |  | $ | 1,937 |  |  | $ | 112 |  |  | $ | 74 |  |  | $ | 49 |  |  | $ | 267 |  |  | $ | - |  |  | $ | 1,158 |  |  | $ | 3,930 |
Provision (recovery) for loan losses |  |  | 217 |  |  |  | (709 | ) |  |  | 151 |  |  |  | 4 |  |  |  | 26 |  |  |  | 502 |  |  |  | - |  |  |  | 959 |  |  |  | 1,150 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (50 | ) |  |  | - |  |  |  | - |  |  |  | (50 | )
Recoveries |  |  | 2 |  |  |  | 347 |  |  |  | - |  |  |  | - |  |  |  | 18 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 367 |
Ending balance |  | $ | 552 |  |  | $ | 1,575 |  |  | $ | 263 |  |  | $ | 78 |  |  | $ | 93 |  |  | $ | 719 |  |  | $ | - |  |  | $ | 2,117 |  |  | $ | 5,397 |
Ending balance: individually evaluated for impairment |  |  | 23 |  |  |  | 350 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 340 |  |  |  | - |  |  |  | - |  |  |  | 713 |
Ending balance: collectively evaluated for impairment |  |  | 529 |  |  |  | 1,225 |  |  |  | 263 |  |  |  | 78 |  |  |  | 93 |  |  |  | 379 |  |  |  | - |  |  |  | 2,117 |  |  |  | 4,684 |
Total |  | $ | 552 |  |  | $ | 1,575 |  |  | $ | 263 |  |  | $ | 78 |  |  | $ | 93 |  |  | $ | 719 |  |  | $ | - |  |  | $ | 2,117 |  |  | $ | 5,397 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  |  | 387 |  |  |  | 5,655 |  |  |  | - |  |  |  | - |  |  |  | 22 |  |  |  | 340 |  |  |  | - |  |  |  | - |  |  |  | 6,404 |
Ending balance: collectively evaluated for impairment |  |  | 116,008 |  |  |  | 218,647 |  |  |  | 56,071 |  |  |  | 29,329 |  |  |  | 30,824 |  |  |  | 41,918 |  |  |  | - |  |  |  | - |  |  |  | 492,797 |
Total |  | $ | 116,395 |  |  | $ | 224,302 |  |  | $ | 56,071 |  |  | $ | 29,329 |  |  | $ | 30,846 |  |  | $ | 42,258 |  |  | $ | - |  |  | $ | - |  |  | $ | 499,201 |
The asset classification of loans at September 30, 2015, and 2014, are as follows:
September 30, 2015 |  | 1-4 Family Real Estate |  |  | Commercial and Multi-Family Real Estate |  |  | Agricultural Real Estate |  |  | Consumer |  |  | Commercial Operating |  |  | Agricultural Operating |  |  | Premium Finance |  |  | Total |
|  | (Dollars in Thousands) |
Pass |  | $ | 124,775 |  |  | $ | 307,876 |  |  | $ | 35,106 |  |  | $ | 33,527 |  |  | $ | 29,052 |  |  | $ | 29,336 |  |  | $ | 106,505 |  |  | $ | 666,177 |
Watch |  |  | 212 |  |  |  | 1,419 |  |  |  | 26,703 |  |  |  | - |  |  |  | 712 |  |  |  | 1,079 |  |  |  | - |  |  |  | 30,125 |
Special Mention |  |  | 10 |  |  |  | - |  |  |  | 877 |  |  |  | - |  |  |  | - |  |  |  | 4,014 |  |  |  | - |  |  |  | 4,901 |
Substandard |  |  | 24 |  |  |  | 904 |  |  |  | 1,630 |  |  |  | - |  |  |  | 129 |  |  |  | 9,197 |  |  |  | - |  |  |  | 11,884 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 125,021 |  |  | $ | 310,199 |  |  | $ | 64,316 |  |  | $ | 33,527 |  |  | $ | 29,893 |  |  | $ | 43,626 |  |  | $ | 106,505 |  |  | $ | 713,087 |
September 30, 2014 |  | 1-4 Family Real Estate |  |  | Commercial and Multi-Family Real Estate |  |  | Agricultural Real Estate |  |  | Consumer |  |  | Commercial Operating |  |  | Agricultural Operating |  |  | Premium Finance |  |  | Total |
|  | (Dollars in Thousands) |
Pass |  | $ | 115,700 |  |  | $ | 222,074 |  |  | $ | 52,364 |  |  | $ | 29,329 |  |  | $ | 30,709 |  |  | $ | 32,261 |  |  | $ | - |  |  | $ | 482,437 |
Watch |  |  | 369 |  |  |  | 852 |  |  |  | 273 |  |  |  | - |  |  |  | 137 |  |  |  | 369 |  |  |  | - |  |  |  | 2,000 |
Special Mention |  |  | 81 |  |  |  | 96 |  |  |  | 1,660 |  |  |  | - |  |  |  | - |  |  |  | 63 |  |  |  | - |  |  |  | 1,900 |
Substandard |  |  | 245 |  |  |  | 1,280 |  |  |  | 1,774 |  |  |  | - |  |  |  | - |  |  |  | 9,565 |  |  |  | - |  |  |  | 12,864 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 116,395 |  |  | $ | 224,302 |  |  | $ | 56,071 |  |  | $ | 29,329 |  |  | $ | 30,846 |  |  | $ | 42,258 |  |  | $ | - |  |  | $ | 499,201 |
Federal regulations provide for the classification of loans and other assets such as debt and equity securities considered by our regulator, the Office of the Comptroller of the Currency (the “OCC”), to be of lesser quality as “substandard,” “doubtful” or “loss.” The loan classification and risk rating definitions are as follows: Pass- A pass asset is of sufficient quality in terms of repayment, collateral and management to preclude a special mention or an adverse rating. Watch- A watch asset is generally a credit performing well under current terms and conditions but with identifiable weakness meriting additional scrutiny and corrective measures. Watch is not a regulatory classification but can be used to designate assets that are exhibiting one or more weaknesses that deserve management’s attention. These assets are of better quality than special mention assets. Special Mention- Special mention assets are a credit with potential weaknesses deserving management’s close attention and, if left uncorrected, may result in deterioration of the repayment prospects for the asset. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Special mention is a temporary status with aggressive credit management required to garner adequate progress and move to watch or higher. The adverse classifications are as follows: Substandard- A substandard asset is inadequately protected by the net worth and/or repayment ability or by a weak collateral position. Assets so classified will have well-defined weaknesses creating a distinct possibility the Bank will sustain some loss if the weaknesses are not corrected. Loss potential does not have to exist for an asset to be classified as substandard. Doubtful- A doubtful asset has weaknesses similar to those classified substandard, with the degree of weakness causing the likely loss of some principal in any reasonable collection effort. Due to pending factors, the asset’s classification as loss is not yet appropriate. Loss- A loss asset is considered uncollectible and of such little value that the asset’s continuance on the Bank’s balance sheet is no longer warranted. This classification does not necessarily mean an asset has no recovery or salvage value leaving room for future collection efforts. Generally, when a loan becomes delinquent 90 days or more for Retail Bank or 210 days or more for Premium Finance or when the collection of principal or interest becomes doubtful, the Company will place the loan on a non-accrual status and, as a result, previously accrued interest income on the loan is reversed against current income. Past due loans at September 30, 2015 and 2014 are as follows:
September 30, 2015 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | Non-Accrual Loans |  |  | Total Loans Receivable |
|  | (Dollars in Thousands) |
1-4 Family Real Estate |  | $ | 142 |  |  | $ | - |  |  | $ | - |  |  | $ | 142 |  |  | $ | 124,855 |  |  | $ | 24 |  |  | $ | 125,021 |
Commercial and Multi-Family Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 309,295 |  |  |  | 904 |  |  |  | 310,199 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 64,316 |  |  |  | - |  |  |  | 64,316 |
Consumer |  |  | 152 |  |  |  | - |  |  |  | 13 |  |  |  | 165 |  |  |  | 33,362 |  |  |  | - |  |  |  | 33,527 |
Commercial Operating |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 29,893 |  |  |  | - |  |  |  | 29,893 |
Agricultural Operating |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 38,494 |  |  |  | 5,132 |  |  |  | 43,626 |
Premium Finance |  |  | 702 |  |  |  | 362 |  |  |  | 1,728 |  |  |  | 2,792 |  |  |  | 103,713 |  |  |  | - |  |  |  | 106,505 |
Total |  | $ | 996 |  |  | $ | 362 |  |  | $ | 1,741 |  |  | $ | 3,099 |  |  | $ | 703,928 |  |  | $ | 6,060 |  |  | $ | 713,087 |
September 30, 2014 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | Non-Accrual Loans |  |  | Total Loans Receivable |
|  | (Dollars in Thousands) |
1-4 Family Real Estate |  | $ | 111 |  |  | $ | 37 |  |  | $ | - |  |  | $ | 148 |  |  | $ | 115,966 |  |  | $ | 281 |  |  | $ | 116,395 |
Commercial and Multi-Family Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 223,990 |  |  |  | 312 |  |  |  | 224,302 |
Agricultural Real Estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 56,071 |  |  |  | - |  |  |  | 56,071 |
Consumer |  |  | 2 |  |  |  | 12 |  |  |  | 54 |  |  |  | 68 |  |  |  | 29,261 |  |  |  | - |  |  |  | 29,329 |
Commercial Operating |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 30,846 |  |  |  | - |  |  |  | 30,846 |
Agricultural Operating |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 41,918 |  |  |  | 340 |  |  |  | 42,258 |
Total |  | $ | 113 |  |  | $ | 49 |  |  | $ | 54 |  |  | $ | 216 |  |  | $ | 498,052 |  |  | $ | 933 |  |  | $ | 499,201 |
When analysis of borrower operating results and financial condition indicates that underlying cash flows of the borrower’s business are not adequate to meet its debt service requirements, the loan is evaluated for impairment. Often this is associated with a delay or shortfall in payments of 210 days or more for Premium Finance loans and 90 days or more for other loan categories. As of September 30, 2015, there were no Premium Finance loans greater than 210 days past due. Impaired loans at September 30, 2015 and 2014 are as follows:
|  | Recorded Balance |  |  | Unpaid Principal Balance |  |  | Specific Allowance |
September 30, 2015 |  | (Dollars in Thousands) |
Loans without a specific valuation allowance |  |  |  |  |  |  |  |  |
1-4 Family Real Estate |  | $ | 121 |  |  | $ | 121 |  |  | $ | - |
Commercial and Multi-Family Real Estate |  |  | 446 |  |  |  | 446 |  |  |  | - |
Commercial Operating |  |  | 11 |  |  |  | 11 |  |  |  | - |
Total |  | $ | 578 |  |  | $ | 578 |  |  | $ | - |
Loans with a specific valuation allowance |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family Real Estate |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial and Multi-Family Real Estate |  |  | 904 |  |  |  | 904 |  |  |  | 241 |
Agricultural Operating |  |  | 5,132 |  |  |  | 5,282 |  |  |  | 3,252 |
Total |  | $ | 6,036 |  |  | $ | 6,186 |  |  | $ | 3,493 |
|  | Recorded Balance |  |  | Unpaid Principal Balance |  |  | Specific Allowance |
September 30, 2014 |  | (Dollars in Thousands) |
Loans without a specific valuation allowance |  |  |  |  |  |  |  |  |
1-4 Family Real Estate |  | $ | 142 |  |  | $ | 142 |  |  | $ | - |
Commercial and Multi-Family Real Estate |  |  | 4,375 |  |  |  | 4,375 |  |  |  | - |
Commercial Operating |  |  | 22 |  |  |  | 22 |  |  |  | - |
Total |  | $ | 4,539 |  |  | $ | 4,539 |  |  | $ | - |
Loans with a specific valuation allowance |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family Real Estate |  | $ | 245 |  |  | $ | 245 |  |  | $ | 23 |
Commercial and Multi-Family Real Estate |  |  | 1,280 |  |  |  | 1,280 |  |  |  | 350 |
Agricultural Operating |  |  | 340 |  |  |  | 340 |  |  |  | 340 |
Total |  | $ | 1,865 |  |  | $ | 1,865 |  |  | $ | 713 |
Cash interest collected on impaired loans was not material during the years ended September 30, 2015 and 2014. The following table provides the average recorded investment in impaired loans for the years ended September 30, 2015 and 2014.
|  | Year Ended September 30, |
|  | 2015 |  |  | 2014 |
|  | Average Recorded Investment |  |  | Average Recorded Investment |
1-4 Family Real Estate |  | $ | 238 |  |  | $ | 574 |
Commercial and Multi-Family Real Estate |  |  | 2,114 |  |  |  | 6,526 |
Commercial Operating |  |  | 17 |  |  |  | 34 |
Agricultural Operating |  |  | 3,559 |  |  |  | 29 |
Total |  | $ | 5,928 |  |  | $ | 7,163 |
For fiscal 2015 and 2014, the Company’s TDRs (which involved forgiving a portion of interest or principal on any loans or making loans at a rate materially less than that of market rates) are included in the table above. No TDRs were recorded during fiscal 2015 or 2014. Also, no TDRs which had been modified during the 12-month period prior to default had a payment default during fiscal 2015 or 2014. Virtually all of the Company’s originated loans are to Iowa- and South Dakota-based individuals and organizations. The Company’s purchased loans totaled $8.1 million at September 30, 2015, which were secured by properties located, as a percentage of total loans, as follows: 1% combined in Oregon and North Dakota and less than 1% in Minnesota, North Carolina, South Dakota and Connecticut. The Company originates and purchases commercial real estate loans. These loans are considered by management to be of somewhat greater risk of not being collected due to the dependency on income production. The Company’s commercial real estate loans include $51.1 million of loans secured by hotel properties and $99.6 million of multi-family properties at September 30, 2015. The Company’s commercial real estate loans include $40.7 million of loans secured by hotel properties and $62.3 million of multi-family properties at September 30, 2014. The remainder of the commercial real estate portfolio is diversified by industry. The Company’s policy for requiring collateral and guarantees varies with the creditworthiness of each borrower. Non-accruing loans were $6.1 million and $0.9 million at September 30, 2015 and 2014, respectively. There were $1.7 million and $0.1 million accruing loans delinquent 90 days or more at September 30, 2015 and 2014, respectively. For the year ended September 30, 2015, gross interest income which would have been recorded had the non-accruing loans been current in accordance with their original terms amounted to approximately $0.9 million, of which none was included in interest income.

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- 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=49124121&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=49124121&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=49124121&loc=d3e5074-111524 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 + Details
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