Three Months Ended

January 31,

(In thousands)

2014

2013

Loan origination reserves, beginning of period

$

11,036

$

9,334

Provisions for losses during the period

401

626

Adjustments to pre-existing provisions for losses from changes in estimates

(559

)

(192

)

Payments/settlements

(159

)

(650

)

Loan origination reserves, end of period

$

10,719

$

9,118