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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2018
Mar. 31, 2018
ASSETS    
Cash and cash equivalents (including interest-earning accounts of $4,641 and $30,052) $ 23,394 $ 44,767
Certificates of deposit held for investment 747 5,967
Loans held for sale   210
Investment securities:    
Available for sale, at estimated fair value 182,280 213,221
Held to maturity, at amortized cost (estimated fair value of $37 and $43) 36 42
Loans receivable (net of allowance for loan losses of $11,502 and $10,766) 857,134 800,610
Real estate owned ("REO")   298
Prepaid expenses and other assets 4,021 3,870
Accrued interest receivable 3,789 3,477
Federal Home Loan Bank ("FHLB") stock, at cost 2,735 1,353
Premises and equipment, net 14,940 15,783
Deferred income taxes, net 4,680 4,813
Mortgage servicing rights, net 325 388
Goodwill 27,076 27,076
Core deposit intangible ("CDI"), net 966 1,103
Bank owned life insurance ("BOLI") 29,102 28,557
TOTAL ASSETS 1,151,225 1,151,535
LIABILITIES:    
Deposits 943,578 995,691
Accrued expenses and other liabilities 15,855 9,391
Advanced payments by borrowers for taxes and insurance 192 637
FHLB advances [1] 34,543  
Junior subordinated debentures 26,553 26,484
Capital lease obligation 2,410 2,431
Total liabilities 1,023,131 1,034,634
COMMITMENTS AND CONTINGENCIES (See Note 15)
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, 2018 - 22,598,712 issued and outstanding March 31, 2018 - 22,570,179 issued and outstanding 226 226
Additional paid-in capital 65,056 64,871
Retained earnings 67,126 56,552
Accumulated other comprehensive loss (4,314) (4,748)
Total shareholders' equity 128,094 116,901
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,151,225 $ 1,151,535
[1] Consisted of overnight borrowings.