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Allowance For Loan Losses: Schedule of Credit Quality Indicators (Tables)
12 Months Ended
Mar. 31, 2015
Tables/Schedules  
Schedule of Credit Quality Indicators

 

 

 

March 31, 2015

 

 

March 31, 2014

 

 

Weighted-Average Risk Grade

 

 

Classified       Loans (2)

 

 

 

Weighted-Average Risk Grade

 

 

Classified Loans (2)

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial business

 

3.30

 

$

566

 

 

 

3.54

 

$

8,419

Commercial real estate

 

3.66

 

 

6,965

 

 

 

3.87

 

 

19,838

Land

 

4.19

 

 

801

 

 

 

3.88

 

 

800

Multi-family

 

3.53

 

 

1,935

 

 

 

3.81

 

 

2,028

Real estate construction

 

3.42

 

 

1,828

 

 

 

3.08

 

 

-

Consumer (1)

 

7.00

 

 

1,226

 

 

 

7.00

 

 

2,729

Total

 

3.60

 

$

13,321

 

 

 

3.82

 

$

33,814

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans risk rated

$

453,568

 

 

 

 

 

$

418,503

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  (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.