CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2022	Mar. 31, 2021
ASSETS
Cash and cash equivalents (including interest-earning accounts of $224,589 and $254,205)	$ 241,424	$ 265,408
Certificates of deposit held for investment	249	249
Investment securities:
Available for sale, at estimated fair value	165,782	216,304
Held to maturity, at amortized cost (estimated fair value of $236,029 and $38,220)	253,100	39,574
Loans receivable (net of allowance for loan losses of $14,523 and $19,178)	975,885	924,057
Prepaid expenses and other assets	12,396	13,189
Accrued interest receivable	4,650	5,236
Federal Home Loan Bank ("FHLB") stock, at cost	2,019	1,722
Premises and equipment, net	17,166	17,824
Financing lease right-of-use ("ROU") assets	1,355	1,432
Deferred income taxes, net	7,501	5,419
Mortgage servicing rights, net	34	81
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	495	619
Bank owned life insurance ("BOLI")	30,964	30,968
TOTAL ASSETS	1,740,096	1,549,158
LIABILITIES:
Deposits	1,533,878	1,346,060
Accrued expenses and other liabilities	19,298	21,906
Advance payments by borrowers for taxes and insurance	555	521
Junior subordinated debentures	26,833	26,748
Finance lease liability	2,283	2,329
Total liabilities	1,582,847	1,397,564
COMMITMENTS AND CONTINGENCIES (See Note 16)
SHAREHOLDERS' EQUITY:
Common stock, $.01 par value; 50,000,000 shares authorized March 31, 2022 - 22,155,636 shares issued and 22,127,396 outstanding March 31, 2021 - 22,351,235 shares issued and outstanding	221	223
Additional paid-in capital	62,048	63,650
Retained earnings	104,931	87,881
Accumulated other comprehensive loss	(9,951)	(160)
Total shareholders' equity	157,249	151,594
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,740,096	$ 1,549,158