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Allowance for Loan Losses: Schedule of Credit Quality Indicators (Tables)
 3 Months Ended
Jun. 30, 2012
Tables/Schedules  
Schedule of Credit Quality Indicators

 

 

June 30, 2012

 

 

March 31, 2012

 

 

Weighted-

Average Risk

Grade

 

 

Classified

Loans (2)

 

 

 

Weighted-

Average

Risk Grade

 

 

Classified

Loans (2)

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial business

 

3.90

 

$

10,132

 

 

 

3.97

 

$

13,456

Commercial real estate

 

4.05

 

 

50,771

 

 

 

3.88

 

 

35,077

Land

 

4.89

 

 

6,370

 

 

 

5.60

 

 

17,560

Multi-family

 

4.22

 

 

10,436

 

 

 

4.06

 

 

8,265

Real estate construction

 

3.80

 

 

2,014

 

 

 

4.51

 

 

7,756

Consumer (1)

 

7.00

 

 

4,540

 

 

 

7.00

 

 

3,915

Total

 

4.10

 

$

84,263

 

 

 

4.08

 

$

86,029

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans risk rated

$

514,879

 

 

 

 

 

$

550,174

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

        (1) Consumer loans are primarily evaluated on a homogenous pool level and generally not individually risk rated unless certain factors are met.

        (2) Classified loans include loans under the credit quality indicator categories of substandard, doubtful and loss.