<SEC-DOCUMENT>0000943374-17-000309.txt : 20170630
<SEC-HEADER>0000943374-17-000309.hdr.sgml : 20170630
<ACCEPTANCE-DATETIME>20170630165933
ACCESSION NUMBER:		0000943374-17-000309
CONFORMED SUBMISSION TYPE:	NT 10-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20170331
FILED AS OF DATE:		20170630
DATE AS OF CHANGE:		20170630
EFFECTIVENESS DATE:		20170630

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:		NT 10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		17942914

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>NT 10-K
<SEQUENCE>1
<FILENAME>nt_10k-063017.htm
<DESCRIPTION>FORM 12B-25 FOR FORM 10-K CARVER BANCORP, INC. 06-30-2017
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">UNITED STATES</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Washington, DC&#160; 20549</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Form 12b-25</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Commission File Number:&#160; 001-13007</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">NOTIFICATION OF LATE FILING</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Check One)</font>:&#160;&#160; <font style="FONT-FAMILY: Wingdings; FONT-SIZE: 10pt">x </font>Form 10-K&#160; <font style="FONT-FAMILY: Wingdings; FONT-SIZE: 10pt">q</font> Form 20-F&#160;&#160; <font style="FONT-FAMILY: Wingdings; FONT-SIZE: 10pt">q </font>Form 11-K&#160; <font style="FONT-FAMILY: Wingdings; FONT-SIZE: 10pt">q</font> Form <font style="FONT-FAMILY: Wingdings; FONT-SIZE: 10pt">q</font>10-Q <font style="FONT-FAMILY: Wingdings; FONT-SIZE: 10pt">q </font>Form N-SAR</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">For Period Ended:&#160; March 31, 2017</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">[&#160; ]&#160; Transition Report on Form 10-K</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">[&#160; ]&#160; Transition Report on Form 20-F</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">[&#160; ]&#160; Transition Report on Form 11-K</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">[&#160; ]&#160; Transition Report on Form 10-Q</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">[&#160; ]&#160; Transition Report on Form N-SAR</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">For the Transition Period Ended:&#160; _______________</div>

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<div style="TEXT-ALIGN: center; FONT-STYLE: italic; MARGIN-TOP: 5pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Read Instruction (on back page) Before Preparing Form. Please Print or Type.</div>

<div style="TEXT-ALIGN: center; MARGIN-TOP: 5pt; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-BOTTOM: 5pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:&#160; _________________________________________________________________________________</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART I - REGISTRANT INFORMATION</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Full Name of Registrant:&#160; Carver Bancorp, Inc.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Former Name if Applicable:&#160; N/A</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Address of Principal Executive Offices <font style="FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Street and Number)</font>:<font style="FONT-STYLE: italic; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</font>75 West 125<sup style="vertical-align: text-top; line-height: 1; font-size: smaller">th</sup> Street</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">City, State and Zip Code:&#160; New York, NY 10027</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART II - RULES 12B-25(B) AND (C)</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed.&#160; (Check box if appropriate)</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; MARGIN-LEFT: 36pt; FONT-SIZE: 10pt">(a)&#160; The reasons described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense;</div>

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<div style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(b)&#160; The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, 11-K or Form N-SAR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report or transition report on Form 10-Q, or portion thereof will be filed on or before the fifth calendar day following the prescribed due date; and</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 36pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(c)&#160; The accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART III - NARRATIVE</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">State below in reasonable detail the reasons why Forms 10-K, 20-F, 11-K, 10-Q, N-SAR, N-CSR or the transition report portion thereof, could not be filed within the prescribed time period.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Carver Bancorp, Inc. (the "Company") and its auditor, BDO USA, LLP, are reviewing the reconciliation of certain general ledger accounts and the potential impact on the Company's current and previously issued financial statements. The Company plans to file its Annual Report on Form 10-K for the period ended March 31, 2017 as soon as practicable, but does not expect that it will be filed on or before the fifteenth calendar day following the required filing date as prescribed by Rule 12b-25(b) because the Company requires additional time to finalize its audited financial statements.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Although no assurance can be given as to when such audit work can be completed, the Company intends to become current in its financial reporting obligations under the Securities Exchange Act of 1934 as soon as practicable.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART IV - OTHER INFORMATION</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(1)&#160; Name and telephone number of person to contact in regard to this notification:</div>

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<td style="WIDTH: 144pt; VERTICAL-ALIGN: top; align: right">&#160;<u>Christina L. Maier</u></td>
<td style="WIDTH: 108pt; VERTICAL-ALIGN: top; align: right">&#160;<u>(212)</u></td>
<td style="TEXT-ALIGN: left; WIDTH: auto; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: top">&#160;<u>360-8894</u></td>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(2)&#160; Have all other periodic reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed?&#160; If the answer is no, identify report(s).</div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#9746;</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> Yes</font><font style="WIDTH: 72pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> &#61551; No</font></div>

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<div>(3)&#160; Is it anticipated that any significant change in results of operation from the corresponding period for the last fiscal year will be reflected by the earnings statements to be included in the subject report or portion thereof?</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made.</div>

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<div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: normal;">The Company continues to review certain items adjusted in fiscal 2017 that it believes are more appropriately accounted for in the prior period. It is anticipated that, if our audit firm (BDO USA, LLP) confirms our analysis, the prior period results of operations will change by approximately $400 thousand.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><u>Carver Bancorp, Inc.</u></div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(Name of Registrant as specified in its charter)</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">has caused this notification to be signed on its behalf by the undersigned hereunto duly authorized.</div>

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<td style="WIDTH: 216pt; VERTICAL-ALIGN: top; align: right"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Date:&#160; June 30, 2017</font><font style="WIDTH: 216pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font></td>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">By:</font><font style="WIDTH: 36pt; DISPLAY: inline-block; FONT-SIZE: 1px" id="TRGRRTFtoHTMLTab">&#160;</font></td>
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<div><u>/s/ Christina L. Maier</u></div>

<div style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: normal">&#160;First Senior Vice President and Chief Financial Officer (Principal&#160; Accounting Officer and Principal Financial Officer)</div>
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