CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021
ASSETS
Cash and cash equivalents (including interest-earning accounts of $318,639 and $254,205)	$ 334,741	$ 265,408
Certificates of deposit held for investment	249	249
Investment securities:
Available for sale, at estimated fair value	268,853	216,304
Held to maturity, at amortized cost (estimated fair value of $38,664 and $38,220)	39,225	39,574
Loans receivable (net of allowance for loan losses of $17,590 and $19,178)	871,889	924,057
Prepaid expenses and other assets	12,912	13,189
Accrued interest receivable	4,940	5,236
Federal Home Loan Bank stock ("FHLB"), at cost	1,722	1,722
Premises and equipment, net	17,940	17,824
Financing lease right-of-use assets ("ROU")	1,413	1,432
Deferred income taxes, net	5,047	5,419
Mortgage servicing rights, net	66	81
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	588	619
Bank owned life insurance ("BOLI")	30,355	30,968
TOTAL ASSETS	1,617,016	1,549,158
LIABILITIES:
Deposits	1,412,966	1,346,060
Accrued expenses and other liabilities	17,431	21,906
Advanced payments by borrowers for taxes and insurance	555	521
Junior subordinated debentures	26,770	26,748
Finance lease liability	2,318	2,329
Total liabilities	1,460,040	1,397,564
COMMITMENTS AND CONTINGENCIES (See Note 13)
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 June 30, 2021 - 22,351,235 shares issued and 22,277,868 outstanding March 31, 2021 - 22,351,235 shares issued and outstanding	222	223
Additional paid-in capital	63,213	63,650
Retained earnings	92,522	87,881
Accumulated other comprehensive income (loss)	1,019	(160)
Total shareholders' equity	156,976	151,594
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,617,016	$ 1,549,158