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Quarterly Results of Operations (Unaudited)

12 Months Ended

Mar. 31, 2014

Quarterly Results of Operations (Unaudited)

14. Quarterly Results of Operations (Unaudited)


	Fiscal Year ended March 31, 2014
	First Quarter		Second Quarter		Third Quarter		Fourth Quarter
Total revenue	$	20,475,735	$	20,948,924	$	20,761,230	$	20,443,054
Interest expense		1,404,906		1,442,898		1,441,175		1,389,209
Provision for credit losses		2,641,791		3,973,104		4,183,035		4,181,286
Non-interest expense		7,163,565		8,329,886		8,477,233		9,484,125

Operating income before income taxes		9,265,473		7,203,036		6,659,787		5,388,434
Income tax expense		3,564,980		2,886,484		2,833,019		2,528,895

Net income	$	5,700,493	$	4,316,552	$	3,826,768	$	2,859,539

Earnings per share:
Basic	$	0.47	$	0.36	$	0.32	$	0.24

Diluted	$	0.46	$	0.35	$	0.31	$	0.23

Dividends per share	$	0.12	$	0.12	$	—	$	—


	Fiscal Year ended March 31, 2013
	First Quarter		Second Quarter		Third Quarter		Fourth Quarter
Total revenue	$	20,427,726	$	20,705,421	$	20,604,861	$	20,372,438
Interest expense		1,192,140		1,250,231		1,275,015		1,403,441
Provision for credit losses		3,103,266		3,261,721		3,484,811		3,542,077
Non-interest expense		7,343,103		7,804,873		8,370,168		7,593,445

Operating income before income taxes		8,789,217		8,388,596		7,474,867		7,833,475
Income tax expense		3,381,761		3,238,458		2,878,811		3,046,179

Net income	$	5,407,456	$	5,150,138	$	4,596,056	$	4,787,296

Earnings per share:
Basic	$	0.45	$	0.43	$	0.38	$	0.40

Diluted	$	0.44	$	0.42	$	0.38	$	0.39

Dividends per share	$	0.10	$	0.12	$	2.12	$	0.12

- 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.

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