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Quarterly Results of Operations

12 Months Ended

Mar. 31, 2012

Quarterly Financial Data [Abstract]

Quarterly Results of Operations (Unaudited)

12. Quarterly Results of Operations (Unaudited)

		Fiscal Year ended March 31, 2012
		First Quarter				Second Quarter				Third Quarter				Fourth Quarter
Total revenue		$	16,634,305			$	17,210,999			$	17,139,971			$	17,181,327
Interest expense			1,228,978				1,236,893				1,236,866				1,189,117
Provision for credit losses			79,415				178,029				454,339				(706,464	)
Non-interest expense			6,695,286				6,779,122				6,755,283				6,877,637
Operating income before income taxes			8,630,626				9,016,955				8,693,483				9,821,037
Income tax expense			3,327,833				3,496,851				3,330,762				3,776,363
Net income		$	5,302,793			$	5,520,104			$	5,362,721			$	6,044,674
Earnings per share:
Basic		$	0.46			$	0.47			$	0.46			$	0.51
Diluted		$	0.44			$	0.46			$	0.45			$	0.50
Dividends per share		$	0.00			$	0.10			$	0.10			$	0.10
		Fiscal Year ended March 31, 2011
		First Quarter				Second Quarter				Third Quarter				Fourth Quarter
Total revenue		$	14,952,147			$	15,731,853			$	15,995,350			$	16,094,176
Interest expense			1,539,373				1,449,757				1,382,950				1,227,871
Provision for credit losses			1,595,661				1,711,873				1,201,172				101,515
Change in fair value of interest rate swaps			(244,365	)			(137,828	)			(95,756	)			(17,187	)
Non-interest expense			6,249,175				6,241,584				6,244,376				6,976,551
Operating income before income taxes			5,812,303				6,466,467				7,262,608				7,805,426
Income tax expense			2,236,465				2,484,123				2,787,788				3,033,244
Net income		$	3,575,838			$	3,982,344			$	4,474,820			$	4,772,182
Earnings per share:
Basic		$	0.31			$	0.34			$	0.39			$	0.41
Diluted		$	0.30			$	0.34			$	0.38			$	0.40

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- Definition

The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.



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-Publisher FASB

-Name Accounting Standards Codification

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