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Deposits (Notes)

12 Months Ended

Mar. 31, 2016

Deposits [Abstract]

Deposit Liabilities Disclosures [Text Block]

DEPOSITS

Deposit balances and weighted average stated interest rates as of March 31 are as follows:

	2016										2015
$ in thousands	Amount				Percent of Total Deposits			Weighted Average Rate			Amount				Percent of Total Deposits			Weighted Average Rate
Non-interest-bearing demand	$	56,634			9.32	%		—	%		$	50,731			9.61	%		—	%
Interest-bearing checking	33,106				5.46			0.16			30,860				5.85			0.16
Savings	95,230				15.70			0.27			95,009				18.00			0.27
Money market savings account	163,380				26.93			0.52			148,702				28.18			0.49
Certificates of deposit	255,854				42.17			0.92			200,123				37.92			0.93
Mortgagors deposits	2,537				0.42			1.22			2,336				0.44			1.53
Total	$	606,741			100.00	%		0.59	%		$	527,761			100.00	%		0.55	%

Scheduled maturities of certificates of deposit for the year ended March 31, 2016 are as follows:

$ in thousands		Period to Maturity
Rate		< 1 Yr.				1-2 Yrs.				2-3 Yrs.				3+ Yrs.				Total 2016				Percent of Total
0% - 0.99%		$	105,286			$	6,328			$	4,950			$	4,125			$	120,689			47.17	%
1% - 1.99%		36,495				44,643				39,473				8,187				128,798				50.34
2% - 3.99%		5,299				9				822				233				6,363				2.49
4% and over		—				—				—				4				4				—
Total		$	147,080			$	50,980			$	45,245			$	12,549			$	255,854			100.00	%

The following table represents the amount of certificates of deposit of $100,000 or more at March 31, 2016 maturing during the periods indicated:

$ in thousands
Maturing:
April 1, 2016 to June 30, 2016	$	64,469
July 1, 2016 to September 30, 2016	9,842
October 1, 2016 to March 31, 2017	50,512
April 1, 2017 and beyond	91,878
Total	$	216,701

Interest expense on deposits is as follows for the years ended March 31:

$ in thousands	2016				2015
Interest-bearing checking	$	52			$	45
Savings and clubs	253				255
Money market savings	844				692
Certificates of deposit	2,099				1,836
Mortgagors deposits	28				30
	3,276				2,858
Penalty for early withdrawal of certificates of deposit	(7		)		(5		)
Total interest expense	$	3,269			$	2,853

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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=50488274&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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X

- References

No definition available.

+ Details

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