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Allowance for Loan Losses: Schedule of Credit Quality Indicators (Tables)
9 Months Ended
Dec. 31, 2014
Tables/Schedules  
Schedule of Credit Quality Indicators

 

 

 

December 31, 2014

 

 

March 31, 2014

 

 

Weighted-Average Risk Grade

 

 

Classified Loans(2)

 

 

 

Weighted-Average Risk Grade

 

 

Classified Loans(2)

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial business

 

3.40

 

$

673

 

 

 

3.54

 

$

8,419

Commercial real estate

 

3.69

 

 

12,193

 

 

 

3.87

 

 

19,838

Land

 

4.21

 

 

800

 

 

 

3.88

 

 

800

Multi-family

 

3.55

 

 

2,303

 

 

 

3.81

 

 

2,028

Real estate construction

 

3.50

 

 

1,843

 

 

 

3.08

 

 

-

Consumer (1)

 

7.00

 

 

1,540

 

 

 

7.00

 

 

2,729

Total

 

3.64

 

$

19,352

 

 

 

3.82

 

$

33,814

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans risk rated

$

449,298

 

 

 

 

 

$

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.