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10. Deposit Accounts

12 Months Ended

Mar. 31, 2013

Notes

10. Deposit Accounts

10.  DEPOSIT ACCOUNTS

Deposit accounts consisted of the following (dollars in thousands):

Account Type	Weighted Average Rate				March 31, 2013		Weighted Average Rate				March 31, 2012
Non-interest-bearing	0.00	%		$	112,527		0.00	%		$	116,882
Interest checking	0.11				91,754		0.23				106,904
Money market	0.22				217,091		0.34				244,919
Savings accounts	0.15				54,316		0.25				45,741
Certificates of deposit	0.82				188,118		0.99				230,009
Total	0.33	%		$	663,806		0.47	%		$	744,455

The weighted average rate is based on interest rates at the end of the year.

Certificates of deposit in amounts of $100,000 or more totaled $108.0 million and $142.0 million at March 31, 2013 and 2012, respectively.

Interest expense by deposit type was as follows (in thousands):

	Year Ended March 31,
	2013			2012			2011
Interest checking	$	135		$	281		$	239
Money market		602			1,049			1,846
Savings accounts		92			124			160
Certificate of deposit		1,838			2,903			4,324
Total	$	2,667		$	4,357		$	6,569

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- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

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