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7. Loans Receivable | 3 Months Ended
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Jun. 30, 2013
Notes |
7. Loans Receivable | 7. LOANS RECEIVABLE Loans receivable, excluding loans held for sale, consisted of the following (in thousands):
|  | June 30, 2013 |  |  | March 31, 2013
Commercial and construction |  |  |  |  |
Commercial business | $ | 69,175 |  | $ | 71,935
Other real estate mortgage |  | 350,122 |  |  | 355,397
Real estate construction |  | 10,792 |  |  | 9,675
Total commercial and construction |  | 430,089 |  |  | 437,007
Consumer |  |  |  |  |
Real estate one-to-four family |  | 93,341 |  |  | 97,140
Other installment |  | 1,959 |  |  | 1,865
Total consumer |  | 95,300 |  |  | 99,005
Total loans |  | 525,389 |  |  | 536,012
Less: Allowance for loan losses |  | 13,697 |  |  | 15,643
Loans receivable, net | $ | 511,692 |  | $ | 520,369
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 June 30, 2013, loans carried at $360.8 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 are generally limited by federal regulation to 15% of the Bank’s shareholders’ equity, excluding accumulated other comprehensive loss. As of June 30, 2013 and March 31, 2013, 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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