Three Months Ended

Six Months Ended

April 30,

April 30,

(In thousands)

2026

2025

2026

2025

Loan origination reserves, beginning of period

$

2,085

$

2,626

$

2,016

$

2,520

Provisions for estimated losses during the period

141

112

210

257

Payments/settlements

-

Loan origination reserves, end of period

$

2,168

$

2,738

$

2,168

$

2,738