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6. Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)

12 Months Ended

Mar. 31, 2013

Tables/Schedules

Financing Receivable Credit Quality Indicators

	March 31, 2013							March 31, 2012
		Weighted-Average Risk Grade			Classified Loans (2)				Weighted-Average Risk Grade			Classified Loans (2)
Commercial Business		3.64		$	3,816				3.97		$	13,456
Commercial Real Estate		4.02			37,643				3.88			35,077
Land		4.57			4,306				5.60			17,560
Multi-Family		3.68			3,846				4.06			8,265
Real estate Construction		3.26			175				4.51			7,756
Consumer (1)		7.00			3,059				7.00			3,915
Total		3.96		$	52,845				4.08		$	86,029
Total loans risk rated	$	439,587						$	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 includes loans under the credit quality indicator categories of substandard, doubtful and loss

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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