Fiscal Year ended March 31, 2017
(In thousands, except earnings per share amounts)

First
Quarter

Second
Quarter

Third
Quarter

Fourth
Quarter

Total revenue

$

22,915

$

22,647

$

22,044

$

22,860

Interest expense

2,244

2,243

2,258

2,477

Provision for credit losses

7,026

8,144

8,796

13,211

Non-interest expense

8,939

9,102

8,403

8,883

Operating income before income taxes

4,706

3,158

2,587

(1,711

)

Income tax expense

1,803

1,188

981

(641

)

Net income

$

2,903

$

1,970

$

1,606

$

(1,070

)

Earnings per share:

Basic

$

0.37

$

0.25

$

0.21

$

(0.14

)

Diluted

$

0.37

$

0.25

$

0.21

$

(0.14

)

Fiscal Year ended March 31, 2016
(In thousands, except earnings per share amounts)

First
Quarter

Second
Quarter

Third
Quarter

Fourth
Quarter

Total revenue

$

22,025

$

22,687

$

22,757

$

23,238

Interest expense

2,166

2,273

2,311

2,257

Provision for credit losses

4,989

6,177

7,599

7,513

Non-interest expense

8,915

8,940

8,422

9,040

Operating income before income taxes

5,955

5,297

4,425

4,428

Income tax expense

2,285

2,041

1,698

1,702

Net income

$

3,670

$

3,256

$

2,727

$

2,726

Earnings per share:

Basic

$

0.48

$

0.43

$

0.36

$

0.35

Diluted

$

0.47

$

0.42

$

0.35

$

0.35