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Consolidated Statements of Operations (USD $) In Thousands, except Per Share data | 3 Months Ended | 6 Months Ended
--- | --- | ---
Sep. 30, 2011 | Sep. 30, 2010 | Sep. 30, 2011 | Sep. 30, 2010
Interest Income: |  |  |  |
Loans | $ 6,958 | $ 8,686 | $ 13,660 | $ 17,634
Mortgage-backed securities | 342 | 525 | 739 | 1,111
Investment securities | 116 | 94 | 226 | 158
Money market investments | 25 | 38 | 49 | 59
Total interest income | 7,441 | 9,343 | 14,674 | 18,962
Interest expense: |  |  |  |
Deposits | 937 | 1,504 | 1,943 | 3,021
Advances and other borrowed money | 827 | 983 | 1,776 | 2,024
Total interest expense | 1,764 | 2,487 | 3,719 | 5,045
Net interest income | 5,677 | 6,856 | 10,955 | 13,917
Provision for loan losses | 7,007 | 7,829 | 12,177 | 14,077
Net interest income after provision for loan losses | (1,330) | (973) | (1,222) | (160)
Non-interest income: |  |  |  |
Depository fees and charges | 751 | 742 | 1,472 | 1,499
Loan fees and service charges | 208 | 214 | 486 | 435
Gain on sale of securities, net | 0 | 739 | 0 | 763
Gain on sales of loans, net | 134 | 4 | 134 | 7
New Market Tax Credit (“NMTC”) fees | 0 | 370 | 0 | 1,182
Lower of cost or market adjustment on loans held for sale | (275) | 0 | (375) | 0
Other | 10 | 176 | 202 | 222
Total non-interest income | 828 | 2,245 | 1,919 | 4,108
Non-interest expense: |  |  |  |
Employee compensation and benefits | 3,137 | 2,901 | 6,182 | 6,107
Net occupancy expense | 970 | 975 | 1,902 | 1,952
Equipment, net | 537 | 548 | 1,080 | 1,086
Consulting fees | 116 | 326 | 206 | 545
Federal deposit insurance premiums | 355 | 394 | 809 | 750
Other | 2,512 | 2,492 | 4,740 | 4,660
Total non-interest expense | 7,627 | 7,636 | 14,919 | 15,100
Loss before income taxes | (8,129) | (6,364) | (14,222) | (11,152)
Income tax benefit | 185 | 16,998 | 76 | 14,702
Non Controlling interest, net of taxes | 1,136 | 0 | 1,282 | 0
Net loss | $ (9,450) | $ (23,362) | $ (15,580) | $ (25,854)
Loss per common share: | $ (58.67) | $ (141.72) | $ (95.68) | $ (158.12)

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