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Loans Receivable | 3 Months Ended
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Jun. 30, 2016
Notes |
Loans Receivable | 6. LOANS RECEIVABLE Loans receivable as of June 30, 2016 and March 31, 2016 are reported net of deferred loan fees totaling $2.9 million and $2.7 million, respectively. Loans receivable, excluding loans held for sale, consisted of the following at the dates indicated (in thousands):
|  | June 30, 2016 |  |  | March 31, 2016
Commercial and construction |  |  |  |  |
Commercial business | $ | 61,696 |  | $ | 69,397
Commercial real estate |  | 369,961 |  |  | 353,749
Land |  | 11,137 |  |  | 12,045
Multi-family |  | 30,441 |  |  | 33,733
Real estate construction |  | 34,558 |  |  | 26,731
Total commercial and construction |  | 507,793 |  |  | 495,655
Consumer |  |  |  |  |
Real estate one-to-four family |  | 86,515 |  |  | 88,780
Other installment (1) |  | 35,506 |  |  | 40,384
Total consumer |  | 122,021 |  |  | 129,164
Total loans |  | 629,814 |  |  | 624,819
Less: Allowance for loan losses |  | 9,960 |  |  | 9,885
Loans receivable, net | $ | 619,854 |  | $ | 614,934
(1) Consists primarily of purchased automobile loans totaling $33.5 million and $37.4 million at June 30, 2016 and March 31, 2016, 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 June 30, 2016, loans carried at $441.2 million were pledged as collateral to the Federal Home Loan Bank of Des Moines (“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 income. As of June 30, 2016 and March 31, 2016, 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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