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Deposit | 12 Months Ended
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Mar. 31, 2012
Deposits [Abstract] |
Deposit Liabilities Disclosures [Text Block] | DEPOSITS Deposit balances and weighted average stated interest rates as of March 31 are as follows:
$ in thousands | 2012 |  | 2011
| Amount |  | Percent of Total Deposits |  | Weighted Average Rate |  | Amount |  | Percent of Total Deposits |  | Weighted Average Rate
Non-interest-bearing demand | $ | 67,202 |  |  | 12.62 | % |  | — | % |  | $ | 123,706 |  |  | 22.06 | % |  | — | %
NOW accounts | 28,325 |  |  | 5.32 | % |  | 0.15 | % |  | 27,297 |  |  | 4.87 | % |  | 0.37 | %
Savings | 101,079 |  |  | 18.98 | % |  | 0.27 | % |  | 106,906 |  |  | 19.07 | % |  | 0.27 | %
Money market savings account | 109,404 |  |  | 20.54 | % |  | 0.77 | % |  | 74,329 |  |  | 13.26 | % |  | 1.07 | %
Certificates of deposit | 224,445 |  |  | 42.14 | % |  | 1.25 | % |  | 226,025 |  |  | 40.31 | % |  | 1.91 | %
Other | 2,142 |  |  | 0.40 | % |  | 1.67 | % |  | 2,435 |  |  | 0.43 | % |  | 1.67 | %
Total | $ | 532,597 |  |  | 100.00 | % |  | 0.75 | % |  | $ | 560,698 |  |  | 100.00 | % |  | 0.99 | %
Scheduled maturities of certificates of deposit are as follows for the year ended March 31, 2012:
$ in thousands |  | Period to Maturity
Rate |  | < 1 Yr. |  | 1-2 Yrs. |  | 2-3 Yrs. |  | 3+ Yrs. |  | Total 2012 |  | Percent of Total
0% - 0.99% |  | $ | 56,903 |  |  | $ | 12,616 |  |  | $ | 9,208 |  |  | $ | 22,934 |  |  | $ | 101,661 |  |  | 45.29 | %
1% - 1.99% |  | 47,581 |  |  | 15,420 |  |  | 8,527 |  |  | 10,736 |  |  | 82,264 |  |  | 36.65 | %
2% - 3.99% |  | 23,317 |  |  | 7,269 |  |  | 3,749 |  |  | 2,502 |  |  | 36,837 |  |  | 16.41 | %
4% and over |  | 1,730 |  |  | 409 |  |  | 824 |  |  | 720 |  |  | 3,683 |  |  | 1.64 | %
Total |  | $ | 129,531 |  |  | $ | 35,714 |  |  | $ | 22,308 |  |  | $ | 36,892 |  |  | $ | 224,445 |  |  | 100.00 | %
As of March 31, 2012 the Bank had pledged $140 thousand in fair value of investment securities as collateral for certain large deposits. The following table represents the amount of certificates of deposit of $100,000 or more at March 31, 2012 maturity during the periods indicated:
$ in thousands |
Maturing: |
April 1, 2012 to June 30, 2012 | $ | 46,967 |
July 1, 2012 to September 30, 2012 | 12,985 |
October 1, 2012 to March 31, 2013 | 25,958 |
April 1, 2013 and beyond | 66,556 |
Total | $ | 152,466 |
Interest expense on deposits is as follows for the years ended March 31:
$ in thousands | 2012 |  | 2011 |  | 2010
NOW demand | $ | 42 |  |  | $ | 101 |  |  | $ | 79 |
Savings and clubs | 274 |  |  | 286 |  |  | 257 |
Money market savings | 838 |  |  | 795 |  |  | 702 |
Certificates of deposit | 2,831 |  |  | 4,322 |  |  | 5,857 |
Mortgagors deposits | 38 |  |  | 41 |  |  | 38 |
| 4,023 |  |  | 5,545 |  |  | 6,933 |
Penalty for early withdrawal of certificates of deposit | (17 | ) |  | (16 | ) |  | (17 | )
Total interest expense | $ | 4,006 |  |  | $ | 5,529 |  |  | $ | 6,916 |

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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 AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 14 -Subparagraph e -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 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.12) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: 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 + Details
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