XML 93 R69.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Allowance for Loan Losses (Details) (USD $) | 9 Months Ended
--- | ---
Dec. 31, 2012 | Dec. 31, 2011
Interest income foregone on non-accrual loans | $ 1,200,000 |  | $ 1,600,000 |
Loans and Leases Receivable, Impaired, Description | A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) due according to the contractual terms of the loan agreement. Typically, factors used in determining if a loan is impaired are, but not limited to, whether the loan is 90 days or more delinquent, internally designated as substandard, on non-accrual status or a troubled debt restructuring (“TDRs”). |  |  |
Impaired Financing Receivable, Interest Income, Accrual Method | 698,000 |  | 1,800,000 |
Financing Receivable, Modifications, Nature and Extent of Transaction | TDRs are loans where the Company, for economic or legal reasons related to the borrower's financial condition, has granted a concession to the borrower that it would otherwise not consider. A TDR typically involves a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, or an extension of the maturity date(s) at a stated interest rate lower than the current market rate for a new loan with similar risk. |  |  |
Financing Receivable, Modifications, Number of Contracts | 13 |  | 17 |
Financing Receivable, Modifications, Pre-Modification Recorded Investment | 17,059,000 |  | 14,677,000 |
Financing Receivable, Modifications, Post-Modification Recorded Investment | 15,729,000 |  | 13,393,000 |
Financing Receivable, Modifications, Subsequent Default, Recorded Investment |  |  | 0 |
Commercial business |  |  |  |
Financing Receivable, Modifications, Number of Contracts | 2 |  | 10 |
Financing Receivable, Modifications, Pre-Modification Recorded Investment | 449,000 |  | 3,362,000 |
Financing Receivable, Modifications, Post-Modification Recorded Investment | 428,000 |  | 3,230,000 |
Commercial Real Estate |  |  |  |
Financing Receivable, Modifications, Number of Contracts | 5 | [1] | 3 | [1]
Financing Receivable, Modifications, Pre-Modification Recorded Investment | 9,022,000 | [1] | 3,777,000 | [1]
Financing Receivable, Modifications, Post-Modification Recorded Investment | 8,662,000 | [1] | 3,750,000 | [1]
Land |  |  |  |
Financing Receivable, Modifications, Number of Contracts | 3 | [1] |  |
Financing Receivable, Modifications, Pre-Modification Recorded Investment | 2,340,000 | [1] |  |
Financing Receivable, Modifications, Post-Modification Recorded Investment | 1,922,000 | [1] |  |
Multi-Family |  |  |  |
Financing Receivable, Modifications, Number of Contracts | 1 | [1] | 2 | [1]
Financing Receivable, Modifications, Pre-Modification Recorded Investment | 3,277,000 | [1] | 6,372,000 | [1]
Financing Receivable, Modifications, Post-Modification Recorded Investment | 3,024,000 | [1] | 5,296,000 | [1]
Total consumer |  |  |  |
Financing Receivable, Modifications, Number of Contracts | 2 |  | 2 |
Financing Receivable, Modifications, Pre-Modification Recorded Investment | 1,971,000 |  | 1,166,000 |
Financing Receivable, Modifications, Post-Modification Recorded Investment | $ 1,693,000 |  | $ 1,117,000 |
[1] | Included within these amounts at December 31, 2012, is a $5.0 million real estate construction loan restructured into one $3.3 million multi-family, one $875,000 commercial real estate and one $800,000 land loan based upon collateral securing the restructured loans.

X
- Definition Interest income foregone on loans not accruing. In general, when a loan is 90 days delinquent or when collection of principal or interest appears doubtful, it is placed on non-accrual status, at which time the accrual of interest ceases and a reserve for unrecoverable accrued interest is established and charged against operations. Payments received on non-accrual loans are applied to reduce the outstanding principal balance on a cash-basis method. As a general practice, a loan is not removed from non-accrual status until all delinquent principal, interest and late fees have been brought current and the borrower has demonstrated a history of performance based upon the contractual terms of the note. + References No definition available. + Details
Name: | fil_InterestIncomeForegoneOnNonAccrualLoans
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Description of the nature and the extent of troubled debt restructurings that occurred during the period related to financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524 + Details
Name: | us-gaap_FinancingReceivableModificationsNatureAndExtentOfTransaction1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Number of financing receivables that have been modified by troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524 + Details
Name: | us-gaap_FinancingReceivableModificationsNumberOfContracts1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:integerItemType
Balance Type: | na
Period Type: | instant

X
- Definition Amount of investment in financing receivables (after modification) modified by troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524 + Details
Name: | us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of investment in financing receivables (before modification) modified by troubled debt restructurings. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524 + Details
Name: | us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of investment related to financing receivables modified by troubled debt restructurings within the previous 12 months, for which there was a payment default. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953682-111524 + Details
Name: | us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of interest income recognized that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Describes the policies and procedures for identifying and measuring losses on loans when the present value of expected cash flows discounted at the loan's effective interest rate, or, alternatively, a loan's observable market price or fair value of the underlying collateral is less than the carrying amount of the loan, and sets forth the amount of the loss. Also sets forth material facts pertaining to significant loan modifications in a troubled debt restructuring, describes the method for valuing a loan deemed to be impaired or nonperforming, indicates whether income on impaired or nonperforming loans are being recognized and describes the method for recognizing the income. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 114 -Paragraph 8, 11, 12, 13, 14, 15, 17, 20 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 35 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=16382521&loc=d3e2555-111518 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher OTS -Name Federal Regulation (FR) -Number Title 12 -Section 563c.102 -Paragraph 8 -Subparagraph j(ii) -Chapter V -Subsection I -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy. + Details
Name: | us-gaap_LoansAndLeasesReceivableImpairedDescription
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration