10. Loans Receivable, Net: Schedule of Allowance for Loan Losses (Tables)

6 Months Ended

Sep. 30, 2012

Tables/Schedules

Schedule of Allowance for Loan Losses

	For the Three Months Ended September 30, 2012
	Residential		Commercial	Commercial
	Real Estate	Consumer	Business	Real Estate	Total
Allowance For Loan Losses
Beginning Balance	$2,030,522	$1,251,799	$473,224	$8,928,782	$12,684,327
Provision	50,497	(80,555)	(9,339)	339,397	300,000
Charge-Offs	(192,026)	(113,799)	(28,736)	(1,076,739)	(1,411,300)
Recoveries	330	2,901	4,087	65,814	73,132
Ending Balance	$1,889,323	$1,060,346	$439,236	$8,257,254	$11,646,159

	For the Six Months Ended September 30, 2012
	Residential		Commercial	Commercial
	Real Estate	Consumer	Business	Real Estate	Total
Allowance For Loan Losses
Beginning Balance	$1,928,625	$1,498,111	$644,855	$10,543,607	$14,615,198
Provision	369,607	(214,721)	7,235	862,879	1,025,000
Charge-Offs	(418,998)	(234,226)	(217,466)	(3,362,634)	(4,233,325)
Recoveries	10,089	11,182	4,612	213,402	239,286
Ending Balance	$1,889,323	$1,060,346	$439,236	$8,257,254	$11,646,159

	For the Three Months Ended September 30, 2011
	Residential		Commercial	Commercial
	Real Estate	Consumer	Business	Real Estate	Total
Allowance For Loan Losses
Beginning Balance	$1,763,457	$1,102,767	$651,426	$9,984,923	$13,502,573
Provision	(40,280)	9,979	526,919	1,803,382	2,300,000
Charge-Offs	(16,381)	(83,678)	(335,327)	(1,628,968)	(2,064,354)
Recoveries	-	4,771	1,744	34,699	41,214
Ending Balance	$1,706,796	$1,033,839	$844,762	$10,194,036	$13,779,433

	For the Six Months Ended September 30, 2011
	Residential		Commercial	Commercial
	Real Estate	Consumer	Business	Real Estate	Total
Allowance For Loan Losses
Beginning Balance	$1,702,864	$1,122,055	$924,149	$8,752,732	$12,501,800
Provision	191,352	34,787	315,014	4,058,847	4,600,000
Charge-Offs	(187,420)	(138,416)	(408,138)	(2,652,242)	(3,386,216)
Recoveries	-	15,413	13,737	34,699	63,849
Ending Balance	$1,706,796	$1,033,839	$844,762	$10,194,036	$13,779,433