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Loan Receivable and Allowance for Loan and Lease Losses (Tables) | 3 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2013 | Jun. 30, 2012 | Mar. 31, 2013
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN AND LEASE LOSSES [Abstract] |  |  |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | The following is a summary of loans receivable, net of allowance for loan losses, and loans held for sale at June 30, 2013 and March 31, 2013:
|  | June 30, 2013 |  | March 31, 2013
$ in thousands |  | Amount |  | Percent |  | Amount |  | Percent
Gross loans receivable: |  |  |  |  |  |  |  |
One-to-four family |  | $ | 71,736 |  |  | 20 | % |  | $ | 73,625 |  |  | 20 | %
Multifamily |  | 57,443 |  |  | 16 | % |  | 56,427 |  |  | 15 | %
Commercial real estate |  | 187,677 |  |  | 53 | % |  | 203,813 |  |  | 55 | %
Construction |  | 5,793 |  |  | 2 | % |  | 1,228 |  |  | — | %
Business |  | 33,809 |  |  | 9 | % |  | 35,795 |  |  | 10 | %
Consumer and other (1) |  | 219 |  |  | — | % |  | 247 |  |  | — | %
Total loans receivable |  | $ | 356,677 |  |  | 100 | % |  | $ | 371,135 |  |  | 100 | %
Add: |  |  |  |  |  |  |  |
Premium on loans |  | 689 |  |  |  |  | 728 |  |  |
Less: |  |  |  |  |  |  |  |
Deferred fees and loan discounts,net |  | (1,699 | ) |  |  |  | (1,741 | ) |  |
Allowance for loan losses |  | (10,317 | ) |  |  |  | (10,989 | ) |  |
Total loans receivable, net |  | $ | 345,350 |  |  |  |  | $ | 359,133 |  |  |
Loans held-for-sale |  | $ | 9,709 |  |  |  |  | $ | 13,107 |  |  |
Allowance for Credit Losses on Financing Receivables [Table Text Block] | he following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the three month period ended June 30, 2013.
$ in thousands |  | One-to-four family Residential |  | Multi-Family Mortgage |  | Commercial Real Estate |  | Construction |  | Business |  | Consumer and Other |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 3,496 |  |  | $ | 408 |  |  | $ | 3,298 |  |  | $ | — |  |  | $ | 3,759 |  |  | $ | 28 |  |  | $ | 10,989 |
Charge-offs |  | 617 |  |  | — |  |  | 512 |  |  | — |  |  | 393 |  |  | 17 |  |  | 1,539 |
Recoveries |  | — |  |  | 10 |  |  | — |  |  | — |  |  | 24 |  |  | 2 |  |  | 36 |
Provision for Loan Losses |  | 1,416 |  |  | (173 | ) |  | 205 |  |  | 167 |  |  | (787 | ) |  | 3 |  |  | 831 |
Ending Balance |  | $ | 4,295 |  |  | $ | 245 |  |  | $ | 2,991 |  |  | $ | 167 |  |  | $ | 2,603 |  |  | $ | 16 |  |  | $ | 10,317 |
Allowance for Loan Losses Ending Balance: collectively evaluated for impairment |  | 3,734 |  |  | 246 |  |  | 1,820 |  |  | 167 |  |  | 2,136 |  |  | 15 |  |  | 8,118 |
Allowance for Loan Losses Ending Balance: individually evaluated for impairment |  | 561 |  |  | — |  |  | 1,171 |  |  | — |  |  | 467 |  |  | — |  |  | 2,199 |
The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the three month period ended June 30, 2013.
Loan Receivables Ending Balance |  | $ | 72,099 |  |  | $ | 57,572 |  |  | $ | 186,688 |  |  | $ | 5,759 |  |  | $ | 33,302 |  |  | $ | 247 |  |  | $ | 355,667 |
Ending Balance: collectively evaluated for impairment |  | 64,788 |  |  | 56,956 |  |  | 176,501 |  |  | 5,100 |  |  | 27,291 |  |  | 247 |  |  | 330,883 |
Ending Balance: individually evaluated for impairment |  | 7,311 |  |  | 616 |  |  | 10,187 |  |  | 659 |  |  | 6,011 |  |  | — |  |  | 24,784 |
| The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the three month period ended June 30, 2012.
$ in thousands |  | One-to-four family Residential |  | Multi-Family Mortgage |  | Commercial Real Estate |  | Construction |  | Business |  | Consumer and Other |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 4,305 |  |  | $ | 5,409 |  |  | $ | 6,709 |  |  | $ | 1,532 |  |  | $ | 1,786 |  |  | $ | 80 |  |  | $ | 19,821 |
Charge-offs |  | 203 |  |  | 109 |  |  | 1,129 |  |  | — |  |  | — |  |  | 2 |  |  | 1,443 |
Recoveries |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 3 |  |  | 5 |
Provision for Loan Losses |  | 694 |  |  | (1,529 | ) |  | 2,271 |  |  | (1,408 | ) |  | 244 |  |  | (48 | ) |  | 224 |
Ending Balance |  | $ | 4,796 |  |  | $ | 3,771 |  |  | $ | 7,851 |  |  | $ | 124 |  |  | $ | 2,032 |  |  | $ | 33 |  |  | $ | 18,607 |
Allowance for Loan Losses Ending Balance: collectively evaluated for impairment |  | 4,250 |  |  | 3,710 |  |  | 7,499 |  |  | 124 |  |  | 1,734 |  |  | 33 |  |  | 17,350 |
Allowance for Loan Losses Ending Balance: individually evaluated for impairment |  | 546 |  |  | 61 |  |  | 352 |  |  | — |  |  | 298 |  |  | — |  |  | 1,257 |
The following is an analysis of the loan receivable balances showing the methods of evaluating the loan portfolio for impairment for the three month period ended June 30, 2012.
Loan Receivables Ending Balance: |  | $ | 66,236 |  |  | $ | 75,102 |  |  | $ | 198,271 |  |  | $ | 8,752 |  |  | $ | 41,109 |  |  | $ | 430 |  |  | $ | 389,900 |
Ending Balance: collectively evaluated for impairment |  | 62,315 |  |  | 74,111 |  |  | 186,489 |  |  | 1,502 |  |  | 35,175 |  |  | 430 |  |  | 360,022 |
Ending Balance: individually evaluated for impairment |  | 3,921 |  |  | 991 |  |  | 11,782 |  |  | 7,250 |  |  | 5,934 |  |  | — |  |  | 29,878 |
| The following is an analysis of the allowance for loan losses based upon the method of evaluating loan impairment for the fiscal year ended March 31, 2013.
$ in thousands |  | One-to-four family Residential |  | Multi-Family Mortgage |  | Commercial Real Estate |  | Construction |  | Business |  | Consumer and Other |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 4,305 |  |  | $ | 5,409 |  |  | $ | 6,709 |  |  | $ | 1,532 |  |  | $ | 1,786 |  |  | $ | 80 |  |  | $ | 19,821 |
Charge-offs |  | 2,103 |  |  | 226 |  |  | 1,148 |  |  | 151 |  |  | 2,274 |  |  | 1 |  |  | 5,903 |
Recoveries |  | 15 |  |  | 91 |  |  | — |  |  | 22 |  |  | 265 |  |  | 5 |  |  | 398 |
Provision for Loan Losses |  | 1,279 |  |  | (4,866 | ) |  | (2,263 | ) |  | (1,403 | ) |  | 3,982 |  |  | (56 | ) |  | (3,327 | )
Ending Balance |  | $ | 3,496 |  |  | $ | 408 |  |  | $ | 3,298 |  |  | $ | — |  |  | $ | 3,759 |  |  | $ | 28 |  |  | $ | 10,989 |
Allowance for Loan Losses Ending Balance: collectively evaluated for impairment |  | 3,179 |  |  | 409 |  |  | 3,103 |  |  | — |  |  | 1,959 |  |  | 28 |  |  | 8,678 |
Allowance for Loan Losses Ending Balance: individually evaluated for impairment |  | 317 |  |  | — |  |  | 194 |  |  | — |  |  | 1,800 |  |  | — |  |  | 2,311 |
The following is an analysis of the loan receivable balances showing the methods of evaluating the loan portfolio for impairment for the fiscal year ended March 31, 2013
Loan Receivables Ending Balance: |  | $ | 73,987 |  |  | $ | 56,607 |  |  | $ | 202,771 |  |  | $ | 1,230 |  |  | $ | 35,277 |  |  | $ | 250 |  |  | 370,122 |
Ending Balance: collectively evaluated for impairment |  | 67,619 |  |  | 55,991 |  |  | 186,336 |  |  | — |  |  | 28,904 |  |  | 250 |  |  | 339,100 |
Ending Balance: individually evaluated for impairment |  | 6,368 |  |  | 616 |  |  | 16,435 |  |  | 1,230 |  |  | 6,373 |  |  | — |  |  | 31,022 |
Non performing loans [Table Text Block] | The following is a summary of non-accrual loans at June 30, 2013 and March 31, 2013.
$ in thousands | June 30, 2013 |  | March 31, 2013
Loans accounted for on a non-accrual basis: |  |  |
Gross loans receivable: |  |  |
One-to-four family | $ | 6,666 |  |  | $ | 7,642 |
Multifamily | 659 |  |  | 423 |
Commercial real estate | 8,091 |  |  | 14,788 |
Construction | 693 |  |  | 1,230 |
Business | 3,350 |  |  | 6,505 |
Consumer and other | — |  |  | 38 |
Total non-accrual loans | $ | 19,459 |  |  | $ | 30,626 |
Schedules of Concentration of Risk, by Risk Factor [Table Text Block] | As of June 30, 2013, and based on the most recent analysis performed in the current quarter, the risk category by class of loans is as follows.
$ in thousands |  | Multi-Family Mortgage |  | Commercial Real Estate |  | Construction |  | Business
Credit Risk Profile by Internally Assigned Grade: |  |  |  |  |  |  |  |
Pass |  | $ | 55,352 |  |  | $ | 157,943 |  |  | $ | 5,100 |  |  | $ | 23,247 |
Special Mention |  | — |  |  | 9,994 |  |  | — |  |  | 2,525 |
Substandard |  | 2,220 |  |  | 18,751 |  |  | 659 |  |  | 7,530 |
Total |  | $ | 57,572 |  |  | $ | 186,688 |  |  | $ | 5,759 |  |  | $ | 33,302 |
$ in thousands |  | One-to-four family Residential |  | Consumer and Other
Credit Risk Profile Based on Payment Activity: |  |  |  |
Performing |  | $ | 65,433 |  |  | $ | 247 |
Non-Performing |  | 6,666 |  |  | — |
Total |  | $ | 72,099 |  |  | $ | 247 |
|  | As of March 31, 2013, and based on the most recent analysis performed, the risk category by class of loans is as follows:
$ in thousands | Multi-Family Mortgage |  | Commercial Real Estate |  | Construction |  | Business
Credit Risk Profile by Internally Assigned Grade: |  |  |  |  |  |
Pass | $ | 53,419 |  |  | $ | 165,965 |  |  | $ | — |  |  | $ | 23,651 |
Special Mention | — |  |  | 3,400 |  |  | — |  |  | 2,922 |
Substandard | 3,188 |  |  | 33,406 |  |  | 1,230 |  |  | 8,704 |
Total | $ | 56,607 |  |  | $ | 202,771 |  |  | $ | 1,230 |  |  | $ | 35,277 |
$ in thousands | One-to-four family Residential |  | Consumer and Other |  |  |  |
Credit Risk Profile Based on Payment Activity: |  |  |  |  |  |
Performing | $ | 66,344 |  |  | $ | 212 |  |  |  |  |
Non-Performing | 7,643 |  |  | 38 |  |  |  |  |
Total | $ | 73,987 |  |  | $ | 250 |  |  |  |  |
Schedule of Financing Receivables, Non Accrual Status [Table Text Block] | The following table presents an aging analysis of the recorded investment of past due financing receivable as of June 30, 2013. Also included are loans ($110 thousand) that are 90 days or more past due as to interest and principal and still accruing because they are well secured and in the process of collection.
$ in thousands |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days |  | Total Past Due |  | Non-performing TDR |  | Performing TDR (1) |  | Impaired(2) |  | Current |  | Total Financing Receivables
One-to-four family residential |  | $ | 508 |  |  | $ | 276 |  |  | $ | 4,059 |  |  | $ | 4,843 |  |  | $ | 2,607 |  |  | $ | 3,196 |  |  | — |  |  | $ | 61,453 |  |  | $ | 72,099 |
Multi-family mortgage |  | — |  |  | 99 |  |  | 659 |  |  | 758 |  |  | — |  |  | 616 |  |  | — |  |  | 56,198 |  |  | 57,572 |
Commercial real estate |  | 2,365 |  |  | 1,140 |  |  | 2,891 |  |  | 6,396 |  |  | 2,180 |  |  | 3,563 |  |  | 3,020 |  |  | 171,529 |  |  | 186,688 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 693 |  |  | 5,066 |  |  | 5,759 |
Business |  | 123 |  |  | 50 |  |  | 584 |  |  | 757 |  |  | 2,147 |  |  | 2,326 |  |  | 619 |  |  | 27,453 |  |  | 33,302 |
Consumer and other |  | 10 |  |  | — |  |  | — |  |  | 10 |  |  | — |  |  | — |  |  | — |  |  | 237 |  |  | 247 |
Total |  | $ | 3,006 |  |  | $ | 1,565 |  |  | $ | 8,193 |  |  | $ | 12,764 |  |  | $ | 6,934 |  |  | 9,701 |  |  | $ | 4,332 |  |  | $ | 321,936 |  |  | $ | 355,667 |
|  | The following table presents an aging analysis of the recorded investment of past due financing receivable as of March 31, 2013.
$ in thousands |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days |  | Total Past Due |  | Non-performing TDR |  | Performing TDR (1) |  | Impaired(2) |  | Current |  | Total Financing Receivables
One-to-four family residential |  | $ | 348 |  |  | $ | 28 |  |  | $ | 4,501 |  |  | $ | 4,877 |  |  | $ | 3,141 |  |  | $ | 2,670 |  |  | $ | — |  |  | 63,299 |  |  | 73,987 |
Multi-family mortgage |  | 238 |  |  | 1,142 |  |  | 423 |  |  | 1,803 |  |  | — |  |  | 616 |  |  | — |  |  | 54,188 |  |  | 56,607 |
Commercial real estate |  | 220 |  |  | 846 |  |  | 2,671 |  |  | 3,737 |  |  | 9,097 |  |  | 1,290 |  |  | 3,020 |  |  | 185,627 |  |  | 202,771 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,230 |  |  | — |  |  | 1,230 |
Business |  | 261 |  |  | 148 |  |  | 1,439 |  |  | 1,848 |  |  | 4,447 |  |  | 464 |  |  | 619 |  |  | 27,899 |  |  | 35,277 |
Consumer and other |  | 6 |  |  | 1 |  |  | 38 |  |  | 45 |  |  | — |  |  | — |  |  | — |  |  | 205 |  |  | 250 |
Total |  | $ | 1,073 |  |  | $ | 2,165 |  |  | $ | 9,072 |  |  | $ | 12,310 |  |  | $ | 16,685 |  |  | $ | 5,040 |  |  | $ | 4,869 |  |  | $ | 331,218 |  |  | $ | 370,122 |
Impaired Financing Receivables [Table Text Block] | The following table presents information on impaired loans with the associated allowance amount, if applicable at June 30, 2013 and the interest income recognized for the three month period ended June 30, 2013 and 2012.
|  | June 30, 2013 |  | June 30, 2012
$ in thousands |  | Recorded Investment |  | Unpaid Principal Balance |  | Associated Allowance |  | Average Balance |  | Interest Income Recognized |  | Average Balance |  | Interest Income Recognized
With no specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | $ | 2,161 |  |  | $ | 2,701 |  |  | $ | — |  |  | $ | 1,740 |  |  | $ | 1 |  |  | $ | 728 |  |  | $ | 9 |
Multi-family mortgage |  | 616 |  |  | 616 |  |  | — |  |  | 616 |  |  | — |  |  | 193 |  |  | 3 |
Commercial real estate |  | 6,491 |  |  | 6,691 |  |  | — |  |  | 8,781 |  |  | 54 |  |  | 6,139 |  |  | 108 |
Construction |  | 659 |  |  | 923 |  |  | — |  |  | 945 |  |  | — |  |  | 6,328 |  |  | 53 |
Business |  | 2,215 |  |  | 2,649 |  |  | — |  |  | 1,648 |  |  | 7 |  |  | 4,137 |  |  | 32 |
Total |  | $ | 12,142 |  |  | $ | 13,580 |  |  | $ | — |  |  | $ | 13,730 |  |  | $ | 62 |  |  | $ | 17,525 |  |  | $ | 205 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | $ | 5,150 |  |  | $ | 5,487 |  |  | $ | 561 |  |  | $ | 5,100 |  |  | $ | 37 |  |  | $ | 2,386 |  |  | $ | 7 |
Multi-family mortgage |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 806 |  |  | — |
Commercial real estate |  | 3,696 |  |  | 3,715 |  |  | 1,171 |  |  | 4,531 |  |  | 5 |  |  | 10,139 |  |  | 95 |
Business |  | 3,796 |  |  | 3,796 |  |  | 467 |  |  | 4,545 |  |  | 36 |  |  | 1,867 |  |  | 81 |
Total |  | $ | 12,642 |  |  | $ | 12,998 |  |  | $ | 2,199 |  |  | $ | 14,176 |  |  | $ | 78 |  |  | $ | 15,198 |  |  | $ | 183 |
Total impaired loans by type: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | $ | 7,311 |  |  | $ | 8,188 |  |  | $ | 561 |  |  | $ | 6,840 |  |  | $ | 38 |  |  | $ | 3,114 |  |  | $ | 16 |
Multi-family mortgage |  | 616 |  |  | 616 |  |  | — |  |  | 616 |  |  | — |  |  | 999 |  |  | 3 |
Commercial real estate |  | 10,187 |  |  | 10,406 |  |  | 1,171 |  |  | 13,312 |  |  | 59 |  |  | 16,278 |  |  | 203 |
Construction |  | 659 |  |  | 923 |  |  | — |  |  | 945 |  |  | — |  |  | 6,328 |  |  | 53 |
Business |  | 6,011 |  |  | 6,445 |  |  | 467 |  |  | 6,193 |  |  | 43 |  |  | 6,004 |  |  | 113 |
Total |  | $ | 24,784 |  |  | $ | 26,578 |  |  | $ | 2,199 |  |  | $ | 27,906 |  |  | $ | 140 |  |  | $ | 32,723 |  |  | $ | 388 |
|  | e following table presents information on impaired loans with the associated allowance amount, if applicable, and the interest income recognized during the year ended March 31, 2013.
Impaired Loans by Class
As of and for the year ended March 31, 2013
$ in thousands |  | Recorded Investment |  | Unpaid Principal Balance |  | Associated Allowance |  | Average Balance |  | Interest Income Recognized
With no specific allowance recorded: |  |  |  |  |  |  |  |
One-to-four family residential |  | $ | 1,319 |  |  | $ | 1,460 |  |  | $ | — |  |  | $ | 1,215 |  |  | $ | 47 |
Multi-family mortgage |  | 616 |  |  | 616 |  |  | — |  |  | 308 |  |  | 5 |
Commercial real estate |  | 11,070 |  |  | 11,270 |  |  | — |  |  | 9,865 |  |  | 235 |
Construction |  | 1,230 |  |  | 1,492 |  |  | — |  |  | 1,230 |  |  | 53 |
Business |  | 1,080 |  |  | 2,002 |  |  | — |  |  | 1,136 |  |  | 41 |
Total |  | $ | 15,315 |  |  | $ | 16,840 |  |  | $ | — |  |  | $ | 13,754 |  |  | $ | 381 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | $ | 5,049 |  |  | $ | 5,244 |  |  | $ | 317 |  |  | $ | 5,363 |  |  | $ | 57 |
Commercial real estate |  | 5,365 |  |  | 5,913 |  |  | 194 |  |  | 6,302 |  |  | 133 |
Business |  | 5,293 |  |  | 5,293 |  |  | 1,800 |  |  | 4,932 |  |  | 254 |
Total |  | $ | 15,707 |  |  | $ | 16,450 |  |  | $ | 2,311 |  |  | $ | 16,597 |  |  | $ | 444 |
Total impaired loans by type: |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | $ | 6,368 |  |  | $ | 6,704 |  |  | $ | 317 |  |  | 6,578 |  |  | 104 |
Multi-family mortgage |  | 616 |  |  | 616 |  |  | — |  |  | 308 |  |  | 5 |
Commercial real estate |  | 16,435 |  |  | 17,183 |  |  | 194 |  |  | 16,167 |  |  | 368 |
Construction |  | 1,230 |  |  | 1,492 |  |  | — |  |  | 1,230 |  |  | 53 |
Business |  | 6,373 |  |  | 7,295 |  |  | 1,800 |  |  | 6,068 |  |  | 295 |
Total |  | $ | 31,022 |  |  | $ | 33,290 |  |  | $ | 2,311 |  |  | $ | 30,351 |  |  | $ | 825 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | In certain circumstances, loan modifications involve a troubled borrower to whom the Bank may grant a modification. Situations around modifications involving troubled borrowers may include extension of maturity date, reduction in the stated interest rate, rescheduling of future cash flows, reduction in the face amount of the debt or reduction of past accrued interest. In cases where the Bank grants any significant concessions to a troubled borrower, the Bank accounts for the modification as a TDR under ASC 310-40 and the related allowance under ASC 310-10-35. Loans modified in TDRs are placed on non-accrual status until the Company determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months. The following table presents an analysis of those loan modifications that were classified as TDRs during the three month period ended June 30, 2013:
|  | Modifications to loans during the three month period ended
|  | June 30, 2013
$ in thousands |  | Number of loans |  | Pre- modification outstanding recorded investment |  | Recorded investment |  | Pre-Modification rate |  | Post-Modification rate
One-to-four family residential |  | 1 |  |  | $ | 551 |  |  | $ | 484 |  |  | 7.50 | % |  | 5.50 | %
Business |  | 1 |  |  | 919 |  |  | 919 |  |  | 6.00 | % |  | 6.00 | %
|  | 2 |  |  | $ | 1,470 |  |  | $ | 1,403 |  |  |  |  |
| The following table presents an analysis of those loan modifications that were classified as non performing TDRs during the three month period ended June 30, 2012:
Modifications to loans during the three month period ended
June 30, 2012
$ in thousands | Number of loans |  | Pre-modification outstanding recorded investment |  | Recorded investment at June 30, 2012 |  | Pre-Modification rate |  | Post-Modification rate
One-to-four family residential | 1 |  |  | $ | 540 |  |  | $ | 540 |  |  | 6.75 | % |  | 4.00 | %
Total | 1 |  |  | $ | 540 |  |  | $ | 540 |  |  | 6.75 | % |  | 4.00 | %
In an effort to proactively manage delinquent loans, Carver has selectively extended to certain borrowers concessions such as extensions, rate reductions or forbearance agreements. For the three month period ended June 30, 2013, one loan of $551 thousand was modified with an interest rate concession of 2.00% and one loan of $919 thousand was extended. For the three month period ended June 30, 2012, one loan of $0.5 million was modified with an interest rate concession of 2.75%. For the period ended June 30, 2013, Carver had one business loan with an outstanding balance of $1.2 million that had been modified and subsequently defaulted within the last twelve months. For the period ended June 30, 2012, Carver had one multifamily loan with an outstanding balance of $0.8 million, that had been modified and subsequently defaulted within the 12 month period. At June 30, 2013 there were twelve loans in the TDR portfolio totaling $9.7 million that were on accrual status as they had performed within their modified terms for a consecutive six month period. |

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Namespace Prefix: | carv_
Data Type: | xbrli:stringItemType
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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of impaired 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 15 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 + Details
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- Definition Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524 + Details
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- Definition Tabular disclosure of the nature of a concentration, a benchmark to which it is compared, and the percentage that the risk is to the benchmark. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 275 -SubTopic 10 -Section 50 -Paragraph 20 -URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6404-108592 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 275 -SubTopic 10 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6327-108592 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 20 -URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13531-108611 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 275 -SubTopic 10 -Section 50 -Paragraph 18 -URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6351-108592 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 21 -URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13537-108611 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 275 -SubTopic 10 -Section 50 -Paragraph 21 -URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6442-108592 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 94-6 -Paragraph 21, 22, 23, 24, 25 -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. + Details
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- Definition Tabular disclosure of financing receivables and 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 34 -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953682-111524 Reference 2: 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
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