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Allowance for Loan Losses: Schedule of Credit Quality Indicators (Tables)
9 Months Ended
Dec. 31, 2012
Tables/Schedules  
Schedule of Credit Quality Indicators

 

 

December 31, 2012

 

 

March 31, 2012

 

 

Weighted-Average Risk Grade

 

 

Classified Loans(2)

 

 

 

Weighted-Average Risk Grade

 

 

Classified Loans(2)

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial business

 

3.71

 

$

6,583

 

 

 

3.97

 

$

13,456

Commercial real estate

 

4.01

 

 

43,359

 

 

 

3.88

 

 

35,077

Land

 

4.68

 

 

5,627

 

 

 

5.60

 

 

17,560

Multi-family

 

3.90

 

 

7,286

 

 

 

4.06

 

 

8,265

Real estate construction

 

3.24

 

 

687

 

 

 

4.51

 

 

7,756

Consumer (1)

 

7.00

 

 

2,828

 

 

 

7.00

 

 

3,915

Total

 

3.98

 

$

66,370

 

 

 

4.08

 

$

86,029

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans risk rated

$

462,398

 

 

 

 

 

$

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 consist of substandard, doubtful and loss loans.