CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2019	Mar. 31, 2019
ASSETS
Cash and cash equivalents (including interest-earning accounts of $48,781 and $5,844)		$ 62,123	$ 22,950
Certificates of deposit held for investment		249	747
Loans held for sale			909
Investment securities:
Available for sale, at estimated fair value		155,757	178,226
Held to maturity, at amortized cost (estimated fair value of $30 and $35)		29	35
Loans receivable (net of allowance for loan losses of $11,433 and $11,457)		875,100	864,659
Prepaid expenses and other assets		8,330	4,596
Accrued interest receivable		3,729	3,919
Federal Home Loan Bank stock ("FHLB"), at cost		1,380	3,644
Premises and equipment, net		16,021	15,458
Deferred income taxes, net		3,416	4,195
Mortgage servicing rights, net		215	296
Goodwill		27,076	27,076
Core deposit intangible ("CDI"), net		799	920
Bank owned life insurance ("BOLI")		29,876	29,291
TOTAL ASSETS		1,184,100	1,156,921
LIABILITIES:
Deposits		990,464	925,068
Accrued expenses and other liabilities		18,483	12,536
Advanced payments by borrowers for taxes and insurance		329	631
FHLB advances	[1]	0	56,586
Junior subordinated debentures		26,640	26,575
Finance lease liability		2,378	2,403
Total liabilities		1,038,294	1,023,799
COMMITMENTS AND CONTINGENCIES (See Note 14)
SHAREHOLDERS' EQUITY:
Serial preferred stock, $.01 par value; 250,000 shares authorized; issued and outstanding: none
Common stock, $.01 par value; 50,000,000 shares authorized December 31, 2019 - 22,748,385 shares issued and outstanding March 31, 2019 - 22,607,712 shares issued and outstanding		227	226
Additional paid-in capital		65,637	65,094
Retained earnings		80,103	70,428
Accumulated other comprehensive loss		(161)	(2,626)
Total shareholders' equity		145,806	133,122
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY		$ 1,184,100	$ 1,156,921

[1] Consisted of overnight borrowings.