CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2021	Mar. 31, 2021
ASSETS
Cash and cash equivalents (including interest-earning accounts of $352,187 and $254,205)	$ 368,122	$ 265,408
Certificates of deposit held for investment	249	249
Investment securities:
Available for sale, at estimated fair value	278,224	216,304
Held to maturity, at amortized cost (estimated fair value of $70,707 and $38,220)	72,109	39,574
Loans receivable (net of allowance for loan losses of $16,500 and $19,178)	898,032	924,057
Prepaid expenses and other assets	11,681	13,189
Accrued interest receivable	4,772	5,236
Federal Home Loan Bank stock ("FHLB"), at cost	1,722	1,722
Premises and equipment, net	16,307	17,824
Financing lease right-of-use assets ("ROU")	1,393	1,432
Deferred income taxes, net	5,467	5,419
Mortgage servicing rights, net	52	81
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	557	619
Bank owned life insurance ("BOLI")	30,589	30,968
TOTAL ASSETS	1,716,352	1,549,158
LIABILITIES:
Deposits	1,506,679	1,346,060
Accrued expenses and other liabilities	20,165	21,906
Advance payments by borrowers for taxes and insurance	650	521
Junior subordinated debentures	26,791	26,748
Finance lease liability	2,307	2,329
Total liabilities	1,556,592	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 September 30, 2021 - 22,414,615 shares issued and 22,164,707 outstanding March 31, 2021 - 22,351,235 shares issued and outstanding	221	223
Additional paid-in capital	62,122	63,650
Retained earnings	97,727	87,881
Accumulated other comprehensive loss	(310)	(160)
Total shareholders' equity	159,760	151,594
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,716,352	$ 1,549,158