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Loans Receivable | 9 Months Ended
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Dec. 31, 2015
Notes |
Loans Receivable | 6. LOANS RECEIVABLE Loans receivable, excluding loans held for sale, consisted of the following at the dates indicated (in thousands):
|  | December 31, 2015 |  |  | March 31, 2015
Commercial and construction |  |  |  |  |
Commercial business | $ | 72,113 |  | $ | 77,186
Other real estate mortgage (1) |  | 383,187 |  |  | 345,506
Real estate construction |  | 23,749 |  |  | 30,498
Total commercial and construction |  | 479,049 |  |  | 453,190
Consumer |  |  |  |  |
Real estate one-to-four family |  | 88,839 |  |  | 89,801
Other installment (2) |  | 42,825 |  |  | 36,781
Total consumer |  | 131,664 |  |  | 126,582
Total loans |  | 610,713 |  |  | 579,772
Less: Allowance for loan losses |  | 10,173 |  |  | 10,762
Loans receivable, net | $ | 600,540 |  | $ | 569,010
(1) Other real estate mortgage consists of commercial real estate, land and multi-family loans.
(2) Consists primarily of purchased automobile loans totaling $40.9 million and $34.7 million at December 31, 2015 and March 31, 2015, respectively.
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 December 31, 2015, loans carried at $425.9 million were pledged as collateral to the Federal Home Loan Bank of Des Moines (“FHLB”) and Federal Reserve Bank of San Francisco (“FRB”) pursuant to/under 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 December 31, 2015 and March 31, 2015, 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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