| Schedule of basic and diluted average common shares outstanding |
The following is a reconciliation of the numerators and denominators of the basic and diluted EPS calculations: | | | | | | | | | | | | | | | | | | | | For the year ended March 31, 2026 | | Income
(Numerator) | | Shares
(Denominator) | | Per Share
Amount | | Basic EPS | | | | | | | Net income available to common shareholders | $ | 34,586,024 | | | 4,941,307 | | | $ | 7.00 | | | | | | | | | Effect of dilutive securities options and restricted stock | — | | | 84,474 | | | | | | | | | | | Diluted EPS | | | | | | | Net income available to common shareholders including dilutive securities | $ | 34,586,024 | | | 5,025,781 | | | $ | 6.88 | |
| | | | | | | | | | | | | | | | | | | | For the year ended March 31, 2025 | | | Income
(Numerator) | | Shares
(Denominator) | | Per Share Amount | | Basic EPS | | | | | | | Net income available to common shareholders | $ | 89,242,722 | | | 5,425,483 | | | $ | 16.45 | | | | | | | | | Effect of dilutive securities options and restricted stock | — | | | 81,502 | | | | | | | | | | | Diluted EPS | | | | | | | Net income available to common shareholders including dilutive securities | $ | 89,242,722 | | | 5,506,985 | | | $ | 16.21 | |
| | | | | | | | | | | | | | | | | | | | For the year ended March 31, 2024 | | | Income
(Numerator) | | Shares
(Denominator) | | Per Share Amount | | Basic EPS | | | | | | | Net income available to common shareholders | $ | 77,046,344 | | | 5,748,554 | | | $ | 13.40 | | | | | | | | | Effect of dilutive securities options and restricted stock | — | | | 113,346 | | | | | | | | | | | Diluted EPS | | | | | | | Net income available to common shareholders including dilutive securities | $ | 77,046,344 | | | 5,861,900 | | | $ | 13.14 | |
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