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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Jun. 30, 2018
Mar. 31, 2018
ASSETS    
Cash and cash equivalents (including interest-earning accounts of $15,791 and $30,052) $ 33,268 $ 44,767
Certificates of deposit held for investment 4,971 5,967
Loans held for sale   210
Investment securities:    
Available for sale, at estimated fair value 200,100 213,221
Held to maturity, at amortized cost (estimated fair value of $41 and $43) 40 42
Loans receivable (net of allowance for loan losses of $11,349 and $10,766) 815,237 800,610
Real estate owned ("REO")   298
Prepaid expenses and other assets 3,759 3,870
Accrued interest receivable 3,578 3,477
Federal Home Loan Bank stock, at cost 1,353 1,353
Premises and equipment, net 15,674 15,783
Deferred income taxes, net 5,039 4,813
Mortgage servicing rights, net 380 388
Goodwill 27,076 27,076
Core deposit intangible ("CDI"), net 1,057 1,103
Bank owned life insurance ("BOLI") 28,736 28,557
TOTAL ASSETS 1,140,268 1,151,535
LIABILITIES:    
Deposits 982,350 995,691
Accrued expenses and other liabilities 8,579 9,391
Advanced payments by borrowers for taxes and insurance 580 637
Junior subordinated debentures 26,507 26,484
Capital lease obligation 2,424 2,431
Total liabilities 1,020,440 1,034,634
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 June 30, 2018 - 22,570,179 issued and outstanding March 31, 2018 - 22,570,179 issued and outstanding 226 226
Additional paid-in capital 64,882 64,871
Retained earnings 60,204 56,552
Accumulated other comprehensive loss (5,484) (4,748)
Total shareholders' equity 119,828 116,901
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,140,268 $ 1,151,535