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5. Loans Receivable | 12 Months Ended
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Mar. 31, 2013
Notes |
5. Loans Receivable | 5. LOANS RECEIVABLE Loans receivable at March 31, 2013 and 2012 are reported net of deferred loan fees totaling $2.0 million and $2.7 million, respectively. Loans receivable, excluding loans held for sale, consisted of the following (in thousands):
|  | March 31, 2013 |  |  | March 31, 2012
Commercial and construction |  |  |  |  |
Commercial business | $ | 71,935 |  | $ | 87,238
Other real estate mortgage |  | 355,397 |  |  | 434,763
Real estate construction |  | 9,675 |  |  | 25,791
Total commercial and construction |  | 437,007 |  |  | 547,792
Consumer |  |  |  |  |
Real estate one-to-four family |  | 97,140 |  |  | 134,975
Other installment |  | 1,865 |  |  | 2,042
Total consumer |  | 99,005 |  |  | 137,017
Total loans |  | 536,012 |  |  | 684,809
Less: |  |  |  |  |
Allowance for loan losses |  | 15,643 |  |  | 19,921
Loans receivable, net | $ | 520,369 |  | $ | 664,888
The Company originates commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and consumer loans. At March 31, 2013 and 2012, 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, 2013, loans carried at $356.6 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, |
| 2013 |  | 2012 |  | 2011 |
Beginning balance | $ | 1,907 |  | $ | 2,160 |  | $ | 1,448 |
Originations |  | 226 |  |  | 1 |  |  | 774 |
Principal repayments |  | (524) |  |  | (254) |  |  | (62) |
Ending balance | $ | 1,609 |  | $ | 1,907 |  | $ | 2,160 |

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Paragraph k -Article 4 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5074-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5162-111524 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5066-111524 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(k)) -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690 + Details
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