CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2018	Mar. 31, 2017
ASSETS
Cash and cash equivalents (including interest-earning accounts of $30,052 and $46,245)	$ 44,767	$ 64,613
Certificates of deposit held for investment	5,967	11,042
Loans held for sale	210	478
Investment securities:
Available for sale, at estimated fair value	213,221	200,214
Held to maturity, at amortized cost (estimated fair value of $43 and $66)	42	64
Loans receivable (net of allowance for loan losses of $10,766 and $10,528)	800,610	768,904
Real estate owned ("REO")	298	298
Prepaid expenses and other assets	3,870	3,815
Accrued interest receivable	3,477	2,941
Federal Home Loan Bank stock, at cost	1,353	1,181
Premises and equipment, net	15,783	16,232
Deferred income taxes, net	4,813	7,610
Mortgage servicing rights, net	388	398
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	1,103	1,335
Bank owned life insurance ("BOLI")	28,557	27,738
TOTAL ASSETS	1,151,535	1,133,939
LIABILITIES:
Deposits	995,691	980,058
Accrued expenses and other liabilities	9,391	13,080
Advance payments by borrowers for taxes and insurance	637	693
Junior subordinated debentures	26,484	26,390
Capital lease obligation	2,431	2,454
Total liabilities	1,034,634	1,022,675
COMMITMENTS AND CONTINGENCIES (See Note 18)
SHAREHOLDERS' EQUITY:
Serial preferred stock, $.01 par value; 250,000 authorized; issued and outstanding: none
Common stock, $.01 par value; 50,000,000 authorized March 31, 2018 - 22,570,179 issued and outstanding March 31, 2017 - 22,510,890 issued and outstanding	226	225
Additional paid-in capital	64,871	64,468
Retained earnings	56,552	48,335
Unearned shares issued to employee stock ownership plan ("ESOP")		(77)
Accumulated other comprehensive loss	(4,748)	(1,687)
Total shareholders' equity	116,901	111,264
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,151,535	$ 1,133,939