At September 30, At March 31, 2003 2003 (In Thousands) Total Assets 159,080$ 137,196$ Loans Receivable net (1) 106,306 100,655 Securities Available for Sale 2,363 1,703 Securities Held to Maturity 36,630 22,025 Deposits 109,359 107,515 Total Borrowings 21,200 1,600 Stockholders Equity 25,870 25,091 Three Months Ended September 30, Six Months Ended September 30, 2003 2002 2003 2002 (In thousands, except for per share data) Selected Operating Data: Interest Income 2,028$2,032 $4,013 $4,036 Interest Expense 523 666 1,003 1,372 Net Interest Income 1,505 1,366 3,010 2,664 Provision for Loan Losses - - - - Non-interest income 102 62 208 151 Non-interest expense 965 892 1,913 1,686 Income before income taxes 642 536 1,305 1,129 Income taxes 286 225 580 472 Net income 356 311 725 657 Net Income per share 0.22$ N/A 0.46$ N/A The allowance for loan losses was $581,882 and $443,882 at Sept.30, 2003 and 2002, respectively. Selected Financial Ratios and Other Data: At or for the Three Months Ended September 30, Performance Ratios: 2003 2002 Return on Average Assets 0.98% 0.95% Return on Average Equity 5.53% 13.60% Interest Rate Spread 4.06% 4.19% Asset Quality Ratios: Non-performing assets to total assets 0.23% 0.59% Allowance for loan losses to non performing loans 198.63% 61.33% Allowance for loan losses to total loans receivable 0.54% 0.44% Capital Ratio: Equity to total assets 16.26% 5.65%