XML 35 R13.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Loans Receivable | 12 Months Ended
--- | ---
Mar. 31, 2012
Loans Receivable: |
Loans Receivable |
5. | LOANS RECEIVABLE
Loans receivable at March 31, 2012 and 2011 are reported net of deferred loan fees totaling $2.7 million and $2.9 million, respectively. Loans receivable, excluding loans held for sale, consisted of the following (in thousands):
|  | March 31, 2012 |  |  | March 31, 2011
Commercial and construction |  |  |  |  |
Commercial business | $ | 87,238 |  | $ | 85,511
Other real estate mortgage |  | 434,763 |  |  | 461,955
Real estate construction |  | 25,791 |  |  | 27,385
Total commercial and construction |  | 547,792 |  |  | 574,851
Consumer |  |  |  |  |
Real estate one-to-four family |  | 134,975 |  |  | 110,437
Other installment |  | 2,042 |  |  | 2,289
Total consumer |  | 137,017 |  |  | 112,726
Total loans |  | 684,809 |  |  | 687,577
Less: |  |  |  |  |
Allowance for loan losses |  | 19,921 |  |  | 14,968
Loans receivable, net | $ | 664,888 |  | $ | 672,609
The Company originates commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and consumer loans. At March 31, 2012 and 2011, the Company had no loans to foreign domiciled businesses or foreign countries, or loans related to highly leveraged transactions. Substantially all of the mortgage loans in the Company’s portfolio are secured by properties located in Washington and Oregon, and, accordingly, the ultimate collectibility of a substantial portion of the Company’s loan portfolio is susceptible to changes in the local economic conditions in these markets. The Company considers its loan portfolio to have very little exposure to sub-prime mortgage loans since the Company has not historically engaged in this type of lending. At March 31, 2012, loans carried at $494.5 million were pledged as collateral to the FHLB and FRB for borrowing arrangements. Aggregate loans to officers and directors, all of which are current, consist of the following (in thousands):
| Year Ended March 31, |
| 2012 |  | 2011 |  | 2010 |
Beginning balance | $ | 2,160 |  | $ | 1,448 |  | $ | 1,021 |
Originations |  | 1 |  |  | 774 |  |  | 628 |
Principal repayments |  | (254 | ) |  | (62 | ) |  | (201 | )
Ending balance | $ | 1,907 |  | $ | 2,160 |  | $ | 1,448 |

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_LoansReceivable
Namespace Prefix: | fil_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | fil_LoansReceivableAbstract
Namespace Prefix: | fil_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration