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CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($)
$ in Thousands
Dec. 31, 2017
Mar. 31, 2017
ASSETS    
Cash and cash equivalents (including interest-earning accounts of $3,739 and $46,245) $ 23,105 $ 64,613
Certificates of deposit held for investment 6,963 11,042
Loans held for sale 351 478
Investment securities:    
Available for sale, at estimated fair value 224,931 200,214
Held to maturity, at amortized cost (estimated fair value of $45 and $66) 44 64
Loans receivable (net of allowance for loan losses of $10,867 and $10,528) 786,460 768,904
Real estate owned ("REO") 298 298
Prepaid expenses and other assets 4,843 3,815
Accrued interest receivable 3,464 2,941
Federal Home Loan Bank ("FHLB") stock, at cost 1,223 1,181
Premises and equipment, net 15,680 16,232
Deferred income taxes, net 3,988 7,610
Mortgage servicing rights, net 399 398
Goodwill 27,076 27,076
Core deposit intangible ("CDI"), net 1,161 1,335
Bank owned life insurance ("BOLI") 28,356 27,738
TOTAL ASSETS 1,128,342 1,133,939
LIABILITIES:    
Deposits 972,214 980,058
Accrued expenses and other liabilities 9,117 13,080
Advanced payments by borrowers for taxes and insurance 260 693
FHLB advances 1,050  
Junior subordinated debentures 26,461 26,390
Capital lease obligation 2,437 2,454
Total liabilities 1,011,539 1,022,675
COMMITMENTS AND CONTINGENCIES (See Note 14)
SHAREHOLDERS' EQUITY:    
Serial preferred stock, $.01 par value; 250,000 authorized; issued and outstanding: none
Common stock, $.01 par value; 50,000,000 authorized December 31, 2017 - 22,551,912 issued and outstanding March 31, 2017 - 22,510,890 issued and outstanding 226 225
Additional paid-in capital 64,703 64,468
Retained earnings 53,878 48,335
Unearned shares issued to employee stock ownership plan ("ESOP")   (77)
Accumulated other comprehensive loss (2,004) (1,687)
Total shareholders' equity 116,803 111,264
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,128,342 $ 1,133,939