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Carver Bancorp Inc – ‘10-Q’ for 9/30/19 – ‘EX-101.PRE’

On:  Wednesday, 11/13/19, at 4:02pm ET   ·   For:  9/30/19   ·   Accession #:  1016178-19-21   ·   File #:  1-13007

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  As Of               Filer                 Filing    For·On·As Docs:Size

11/13/19  Carver Bancorp Inc                10-Q        9/30/19   71:12M

Quarterly Report   —   Form 10-Q   —   Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-Q        Quarterly Report                                    HTML    984K 
 2: EX-31.1     Certification -- §302 - SOA'02                      HTML     30K 
 3: EX-31.2     Certification -- §302 - SOA'02                      HTML     30K 
 4: EX-32.1     Certification -- §906 - SOA'02                      HTML     24K 
 5: EX-32.2     Certification -- §906 - SOA'02                      HTML     24K 
24: R1          Document and Entity Information Document            HTML     51K 
49: R2          Consolidated Statements of Financial Condition      HTML    135K 
71: R3          Consolidated Statements of Financial Condition      HTML     49K 
                Consolidated Statements of Financial Condition                   
                Parentheticals                                                   
31: R4          Consolidated Statements of Operations               HTML    116K 
23: R5          Consolidated Statements of Comprehensive Loss       HTML     41K 
                Statement                                                        
48: R6          Consolidated Statement of Changes in Stockholders'  HTML     48K 
                Equity                                                           
70: R7          Consolidated Statements of Cash Flows               HTML    127K 
32: R8          Organization                                        HTML     36K 
22: R9          Summary of Significant Accounting Policies          HTML     28K 
53: R10         Earnings Per Common Share                           HTML     50K 
62: R11         Common Stock Dividends                              HTML     25K 
41: R12         Other Comprehensive Income (Loss)                   HTML     39K 
17: R13         Investment Securities                               HTML    251K 
54: R14         Loans Receivable and Allowance for Loan and Lease   HTML    560K 
                Losses                                                           
63: R15         Fair Value Measurements                             HTML    213K 
42: R16         Fair Value of Financial Instruments                 HTML    138K 
18: R17         Non-interest Revenue and Expense                    HTML    113K 
55: R18         Leases                                              HTML     66K 
61: R19         Impact of Recent Accounting Standards               HTML     49K 
29: R20         Summary of Significant Accounting Policies Summary  HTML     29K 
                of Significant Accounting Policies (Policies)                    
19: R21         Earnings Per Common Share Earnings Per Common       HTML     50K 
                Share (Tables)                                                   
44: R22         Other Comprehensive Income (Loss) Other             HTML     38K 
                Comprehensive Income (Loss) (Tables)                             
66: R23         Investment Securities Investment Securities         HTML    243K 
                (Tables)                                                         
30: R24         Loans Receivable and Allowance for Loan and Lease   HTML    561K 
                Losses Loans Receivable and ALLL (Tables)                        
20: R25         Fair Value Measurements Fair Value Measurements     HTML    214K 
                (Tables)                                                         
45: R26         Fair Value of Financial Instruments Fair Value of   HTML    133K 
                Financial Instruments (Tables)                                   
67: R27         Non-interest Revenue and Expense Non-interest       HTML    109K 
                Revenue and Expense (Tables)                                     
28: R28         Leases Leases (Tables)                              HTML     64K 
21: R29         Organization Organization Text Tags (Details)       HTML     47K 
16: R30         Earnings Per Common Share Earnings Per Common       HTML     45K 
                Share (Details)                                                  
39: R31         Common Stock Dividends Common Stock Dividends Text  HTML     30K 
                Tags (Details)                                                   
65: R32         Other Comprehensive Income (Loss) Components of     HTML     36K 
                Accumulated Other Comprehensive Income (Loss)                    
                (Details)                                                        
57: R33         Investment Securities Investment Securities Text    HTML     64K 
                Tags (Details)                                                   
15: R34         Investment Securities Investment                    HTML     70K 
                Securities-Unrealized Gain (Loss) on Investments                 
                (Details)                                                        
38: R35         Investment Securities Investment                    HTML     70K 
                Securities-Schedule of Unealized Loss (Details)                  
64: R36         Investment Securities Investment                    HTML    104K 
                Securities-Investments Classified by Contractual                 
                Maturity Date (Details)                                          
56: R37         Loans Receivable and Allowance for Loan and Lease   HTML     58K 
                Losses Loans Receivable and ALLL (Details)                       
14: R38         Loans Receivable and Allowance for Loan and Lease   HTML     91K 
                Losses Allowance for Loan Losses (Details)                       
40: R39         Loans Receivable and Allowance for Loan and Lease   HTML     37K 
                Losses Nonaccrual Loans (Details)                                
27: R40         Loans Receivable and Allowance for Loan and Lease   HTML     65K 
                Losses Credit Quality Indicators (Details)                       
34: R41         Loans Receivable and Allowance for Loan and Lease   HTML     69K 
                Losses Past Due Financing Receivables (Details)                  
69: R42         Loans Receivable and Allowance for Loan and Lease   HTML     88K 
                Losses Impaired Loans (Details)                                  
47: R43         Loans Receivable and Allowance for Loan and Lease   HTML     52K 
                Losses Loans Receivable and ALLL Text Tags                       
                (Details)                                                        
26: R44         Loans Receivable and Allowance for Loan and Lease   HTML     35K 
                Losses TDRs (Details)                                            
33: R45         Fair Value Measurements Fair Value, Assets          HTML     81K 
                Measured on Recurring Basis (Details)                            
68: R46         Fair Value Measurements Fair Value Measurements     HTML     25K 
                Text Tag (Details)                                               
46: R47         Fair Value Measurements Fair Value, Assets          HTML     44K 
                Measured on Recurring Basis, Unobservable Input                  
                Reconciliation (Details)                                         
25: R48         Fair Value Measurements Fair Value, Assets          HTML     54K 
                Measured on Recurring Basis, Valuation Techniques                
                (Details)                                                        
35: R49         Fair Value Measurements Fair Value Measurements,    HTML     38K 
                Nonrecurring (Details)                                           
36: R50         Fair Value Measurements Fair Value, Assets          HTML     37K 
                Measured on Nonrecurring Basis, Valuation                        
                Techniques (Details)                                             
12: R51         Fair Value of Financial Instruments Fair Value of   HTML     83K 
                Financial Instruments (Details)                                  
51: R52         Non-interest Revenue and Expense Non-interest       HTML     39K 
                Revenue (Details)                                                
58: R53         Non-interest Revenue and Expense Other              HTML     60K 
                Non-interest Revenue and Expense (Details)                       
37: R54         Leases Leases (Details)                             HTML     42K 
13: R55         Leases Leases-Lease Liability, Maturity (Details)   HTML     65K 
52: R56         Leases Leases Text Tags (Details)                   HTML     35K 
59: R57         Impact of Recent Accounting Standards Impact of     HTML     27K 
                Recent Accounting Standards Text Tag (Details)                   
43: XML         IDEA XML File -- Filing Summary                      XML    129K 
60: EXCEL       IDEA Workbook of Financial Reports                  XLSX     89K 
 6: EX-101.INS  XBRL Instance -- carv-20190930                       XML   4.66M 
 8: EX-101.CAL  XBRL Calculations -- carv-20190930_cal               XML    198K 
 9: EX-101.DEF  XBRL Definitions -- carv-20190930_def                XML    594K 
10: EX-101.LAB  XBRL Labels -- carv-20190930_lab                     XML   1.41M 
11: EX-101.PRE  XBRL Presentations -- carv-20190930_pre              XML    966K 
 7: EX-101.SCH  XBRL Schema -- carv-20190930                         XSD    106K 
50: ZIP         XBRL Zipped Folder -- 0001016178-19-000021-xbrl      Zip    264K

‘EX-101.PRE’   —   XBRL Presentations — carv-20190930_pre

This Exhibit is an XBRL XML File.

                                                                                                                                                                                
<?xml version="1.0" encoding="windows-1252"?>
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<link:roleRef roleURI="http://www.carverbank.com/role/CommonStockDividendsCommonStockDividendsTextTagsDetails" xlink:href="carv-20190930.xsd#CommonStockDividendsCommonStockDividendsTextTagsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ConsolidatedStatementOfChangesInStockholdersEquity" xlink:href="carv-20190930.xsd#ConsolidatedStatementOfChangesInStockholdersEquity" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ConsolidatedStatementsOfCashFlows" xlink:href="carv-20190930.xsd#ConsolidatedStatementsOfCashFlows" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ConsolidatedStatementsOfComprehensiveLossStatement" xlink:href="carv-20190930.xsd#ConsolidatedStatementsOfComprehensiveLossStatement" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ConsolidatedStatementsOfFinancialCondition" xlink:href="carv-20190930.xsd#ConsolidatedStatementsOfFinancialCondition" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ConsolidatedStatementsOfFinancialConditionConsolidatedStatementsOfFinancialConditionParentheticals" xlink:href="carv-20190930.xsd#ConsolidatedStatementsOfFinancialConditionConsolidatedStatementsOfFinancialConditionParentheticals" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ConsolidatedStatementsOfOperations" xlink:href="carv-20190930.xsd#ConsolidatedStatementsOfOperations" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/DocumentAndEntityInformationDocument" xlink:href="carv-20190930.xsd#DocumentAndEntityInformationDocument" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/EarningsPerCommonShare" xlink:href="carv-20190930.xsd#EarningsPerCommonShare" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/EarningsPerCommonShareEarningsPerCommonShareDetails" xlink:href="carv-20190930.xsd#EarningsPerCommonShareEarningsPerCommonShareDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/EarningsPerCommonShareEarningsPerCommonShareTables" xlink:href="carv-20190930.xsd#EarningsPerCommonShareEarningsPerCommonShareTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurements" xlink:href="carv-20190930.xsd#FairValueMeasurements" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesDetails" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisDetails" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationDetails" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisValuationTechniquesDetails" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueAssetsMeasuredOnRecurringBasisValuationTechniquesDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueMeasurementsNonrecurringDetails" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueMeasurementsNonrecurringDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueMeasurementsTables" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueMeasurementsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueMeasurementsFairValueMeasurementsTextTagDetails" xlink:href="carv-20190930.xsd#FairValueMeasurementsFairValueMeasurementsTextTagDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueOfFinancialInstruments" xlink:href="carv-20190930.xsd#FairValueOfFinancialInstruments" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueOfFinancialInstrumentsFairValueOfFinancialInstrumentsDetails" xlink:href="carv-20190930.xsd#FairValueOfFinancialInstrumentsFairValueOfFinancialInstrumentsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/FairValueOfFinancialInstrumentsFairValueOfFinancialInstrumentsTables" xlink:href="carv-20190930.xsd#FairValueOfFinancialInstrumentsFairValueOfFinancialInstrumentsTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ImpactOfRecentAccountingStandards" xlink:href="carv-20190930.xsd#ImpactOfRecentAccountingStandards" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/ImpactOfRecentAccountingStandardsImpactOfRecentAccountingStandardsTextTagDetails" xlink:href="carv-20190930.xsd#ImpactOfRecentAccountingStandardsImpactOfRecentAccountingStandardsTextTagDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/InvestmentSecurities" xlink:href="carv-20190930.xsd#InvestmentSecurities" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/InvestmentSecuritiesInvestmentSecuritiesInvestmentsClassifiedByContractualMaturityDateDetails" xlink:href="carv-20190930.xsd#InvestmentSecuritiesInvestmentSecuritiesInvestmentsClassifiedByContractualMaturityDateDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/InvestmentSecuritiesInvestmentSecuritiesScheduleOfUnealizedLossDetails" xlink:href="carv-20190930.xsd#InvestmentSecuritiesInvestmentSecuritiesScheduleOfUnealizedLossDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/InvestmentSecuritiesInvestmentSecuritiesTables" xlink:href="carv-20190930.xsd#InvestmentSecuritiesInvestmentSecuritiesTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/InvestmentSecuritiesInvestmentSecuritiesTextTagsDetails" xlink:href="carv-20190930.xsd#InvestmentSecuritiesInvestmentSecuritiesTextTagsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/InvestmentSecuritiesInvestmentSecuritiesUnrealizedGainLossOnInvestmentsDetails" xlink:href="carv-20190930.xsd#InvestmentSecuritiesInvestmentSecuritiesUnrealizedGainLossOnInvestmentsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/Leases" xlink:href="carv-20190930.xsd#Leases" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LeasesLeasesDetails" xlink:href="carv-20190930.xsd#LeasesLeasesDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LeasesLeasesLeaseLiabilityMaturityDetails" xlink:href="carv-20190930.xsd#LeasesLeasesLeaseLiabilityMaturityDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LeasesLeasesTables" xlink:href="carv-20190930.xsd#LeasesLeasesTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LeasesLeasesTextTagsDetails" xlink:href="carv-20190930.xsd#LeasesLeasesTextTagsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLosses" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLosses" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesAllowanceForLoanLossesDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesAllowanceForLoanLossesDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesCreditQualityIndicatorsDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesCreditQualityIndicatorsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesImpairedLoansDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesImpairedLoansDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesLoansReceivableAndAlllDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesLoansReceivableAndAlllDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesLoansReceivableAndAlllTables" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesLoansReceivableAndAlllTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesLoansReceivableAndAlllTextTagsDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesLoansReceivableAndAlllTextTagsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesNonaccrualLoansDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesNonaccrualLoansDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesPastDueFinancingReceivablesDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesPastDueFinancingReceivablesDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/LoansReceivableAndAllowanceForLoanAndLeaseLossesTdrsDetails" xlink:href="carv-20190930.xsd#LoansReceivableAndAllowanceForLoanAndLeaseLossesTdrsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/NonInterestRevenueAndExpense" xlink:href="carv-20190930.xsd#NonInterestRevenueAndExpense" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/NonInterestRevenueAndExpenseNonInterestRevenueAndExpenseTables" xlink:href="carv-20190930.xsd#NonInterestRevenueAndExpenseNonInterestRevenueAndExpenseTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/NonInterestRevenueAndExpenseNonInterestRevenueDetails" xlink:href="carv-20190930.xsd#NonInterestRevenueAndExpenseNonInterestRevenueDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/NonInterestRevenueAndExpenseOtherNonInterestRevenueAndExpenseDetails" xlink:href="carv-20190930.xsd#NonInterestRevenueAndExpenseOtherNonInterestRevenueAndExpenseDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/Organization" xlink:href="carv-20190930.xsd#Organization" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/OrganizationOrganizationTextTagsDetails" xlink:href="carv-20190930.xsd#OrganizationOrganizationTextTagsDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/OtherComprehensiveIncomeLoss" xlink:href="carv-20190930.xsd#OtherComprehensiveIncomeLoss" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/OtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeLossDetails" xlink:href="carv-20190930.xsd#OtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/OtherComprehensiveIncomeLossOtherComprehensiveIncomeLossTables" xlink:href="carv-20190930.xsd#OtherComprehensiveIncomeLossOtherComprehensiveIncomeLossTables" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/SummaryOfSignificantAccountingPolicies" xlink:href="carv-20190930.xsd#SummaryOfSignificantAccountingPolicies" xlink:type="simple"/>
<link:roleRef roleURI="http://www.carverbank.com/role/SummaryOfSignificantAccountingPoliciesSummaryOfSignificantAccountingPoliciesPolicies" xlink:href="carv-20190930.xsd#SummaryOfSignificantAccountingPoliciesSummaryOfSignificantAccountingPoliciesPolicies" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple"/>
<link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple"/>
<link:presentationLink xlink:role="http://www.carverbank.com/role/CommonStockDividends" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DividendsAbstract" xlink:label="loc_us-gaap_DividendsAbstract_A1CCBEDFD3D86670BAE25F8C36B5821D" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_4F844B1A7EA89D64A8895F8C36B5E074" xlink:type="locator"/>
<link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DividendsAbstract_A1CCBEDFD3D86670BAE25F8C36B5821D" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_4F844B1A7EA89D64A8895F8C36B5E074" xlink:type="arc"/>
</link:presentationLink>
<link:presentationLink xlink:role="http://www.carverbank.com/role/CommonStockDividendsCommonStockDividendsTextTagsDetails" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_DividendsAbstract" xlink:label="loc_us-gaap_DividendsAbstract_787BDEAE57FD2926F2445F8C3453137C" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesOther" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesOther_C720CC35A18C3190A76D5F8C3453E50A" xlink:type="locator"/>
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