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5. ON-BALANCE SHEET DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Details)
Jan. 31, 2016
USD ($)
Interest Rate Swap [Member]  
Notional Amount $ 4,911,000
Receive Rate 0.68%
Pay Rate 0.4295%
Interest Rate Swap 1 [Member]  
Notional Amount $ 5,333,335
Receive Rate 1.25%
Pay Rate 0.4295%