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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2018
Mar. 31, 2018
ASSETS    
Cash and cash equivalents (including interest-earning accounts of $12,537 and $30,052) $ 27,080 $ 44,767
Certificates of deposit held for investment 3,984 5,967
Loans held for sale   210
Investment securities:    
Available for sale, at estimated fair value 190,792 213,221
Held to maturity, at amortized cost (estimated fair value of $39 and $43) 38 42
Loans receivable (net of allowance for loan losses of $11,513 and $10,766) 838,329 800,610
Real estate owned ("REO")   298
Prepaid expenses and other assets 5,104 3,870
Accrued interest receivable 3,671 3,477
Federal Home Loan Bank stock, at cost 1,353 1,353
Premises and equipment, net 15,403 15,783
Deferred income taxes, net 5,352 4,813
Mortgage servicing rights, net 344 388
Goodwill 27,076 27,076
Core deposit intangible ("CDI"), net 1,011 1,103
Bank owned life insurance ("BOLI") 28,910 28,557
TOTAL ASSETS 1,148,447 1,151,535
LIABILITIES:    
Deposits 982,272 995,691
Accrued expenses and other liabilities 13,767 9,391
Advanced payments by borrowers for taxes and insurance 1,050 637
Junior subordinated debentures 26,530 26,484
Capital lease obligation 2,418 2,431
Total liabilities 1,026,037 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 September 30, 2018 - 22,598,712 issued and outstanding March 31, 2018 - 22,570,179 issued and outstanding 226 226
Additional paid-in capital 65,044 64,871
Retained earnings 63,642 56,552
Accumulated other comprehensive loss (6,502) (4,748)
Total shareholders' equity 122,410 116,901
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,148,447 $ 1,151,535