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Loans Receivable | 6 Months Ended
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Sep. 30, 2012
Notes |
Loans Receivable | 7. LOANS RECEIVABLE Loans receivable, excluding loans held for sale, consisted of the following at the dates indicated (in thousands):
|  | September 30, 2012 |  |  | March 31, 2012
Commercial and construction |  |  |  |  |
Commercial business | $ | 74,953 |  | $ | 87,238
Other real estate mortgage (1) |  | 385,715 |  |  | 434,763
Real estate construction |  | 16,920 |  |  | 25,791
Total commercial and construction |  | 477,588 |  |  | 547,792
Consumer |  |  |  |  |
Real estate one-to-four family |  | 102,473 |  |  | 134,975
Other installment |  | 2,137 |  |  | 2,042
Total consumer |  | 104,610 |  |  | 137,017
Total loans |  | 582,198 |  |  | 684,809
Less: Allowance for loan losses |  | 20,140 |  |  | 19,921
Loans receivable, net | $ | 562,058 |  | $ | 664,888
(1) Other real estate mortgage consists of commercial real estate, land and multi-family loans
The Company’s loan portfolio has very little exposure to sub-prime mortgage loans since the Company has not historically engaged in this type of lending. At September 30, 2012, loans carried at $410.3 million were pledged as collateral to the Federal Home Loan Bank of Seattle (“FHLB”) and Federal Reserve Bank of San Francisco (“FRB”) for borrowing agreements. Most of the Bank’s business activity is with customers located in the states of Washington and Oregon. Loans and extensions of credit outstanding at one time to one borrower or a group of related borrowers are generally limited by federal regulation to 15% of the Bank’s shareholders’ equity, excluding accumulated other comprehensive loss. As of September 30, 2012 and March 31, 2012, the Bank had no loans to any one borrower in excess of the regulatory limit.

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- Definition The entire disclosure for claims held for amounts due a company, excluding disclosure for allowance for credit losses. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Also excludes disclosure for financing receivables. + References No definition available. + Details
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