Quarterly Results of Operations (Unaudited) (Tables)

12 Months Ended

Mar. 31, 2020

	Fiscal Year ended March 31, 2020 (In thousands, except earnings per share amounts)
	First Quarter		Second Quarter		Third Quarter		Fourth Quarter
Total revenue	$	16,641	$	15,585	$	14,973	$	14,896
Interest expense		2,488		2,298		1,886		1,843
Provision for credit losses		4,385		4,000		4,597		3,919
Non-interest expense		8,971		8,927		7,950		8,584
Operating income before income taxes		797		360		540		550
Income tax expense (benefit)		206		92		229		(1,746	)
Net income	$	591	$	268	$	311	$	2,296
Earnings per share:
Basic	$	0.07	$	0.03	$	0.04	$	0.31
Diluted	$	0.07	$	0.03	$	0.04	$	0.31

	Fiscal Year ended March 31, 2019 (In thousands, except earnings per share amounts)
	First Quarter		Second Quarter		Third Quarter			Fourth Quarter
Total revenue	$	18,759	$	19,404	$	16,740		$	16,397
Interest expense		2,540		2,386		2,303			2,275
Provision for credit losses		5,426		8,374		7,871			11,165
Non-interest expense		8,801		7,966		7,847			8,934
Operating income before income taxes		1,992		678		(1,281	)		(5,977	)
Income tax expense (benefit)		572		96		(376	)		(1,232	)
Net income (loss)	$	1,420	$	582	$	(905	)	$	(4,745	)
Earnings (loss) per share:
Basic	$	0.18	$	0.07	$	(0.12	)	$	(0.60	)
Diluted	$	0.18	$	0.07	$	(0.12	)	$	(0.60	)