Loans Receivable, Net (Tables)

3 Months Ended

Jun. 30, 2015

Defined Benefit Plan Disclosure [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Loans receivable, net, are summarized as follows:

	June 30,		March 31,
	2015		2015
Real estate loans:
Single-family, owner occupied	$	60,794,526	$	61,255,147
Single-family, non-owner occupied		8,167,267		8,162,534
Multi-family, 5 or more units		705,612		721,130
Commercial		2,859,807		2,878,651
Land		1,059,891		1,212,874
Consumer loans		1,621,180		1,562,398
		75,208,283		75,792,734
Allowance for losses		(230,403)		(242,103)
Deferred loan fees, net		(83,754)		(86,885)
Total loans	$	74,894,126	$	75,463,746

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following presents by portfolio segment, the recorded investment in loans and impairment method at June 30, 2015 and March 31, 2015:

	Allowance for Loan Losses						Loans
	Individually		Collectively				Individually		Collectively
	Evaluated		Evaluated				Evaluated		Evaluated
	for Impairment		for Impairment		Total		for Impairment		for Impairment		Total
At June 30, 2015:
Real estate loans:
Single-family, owner occupied	$	37,000	$	95,465	$	132,465	$	1,204,587	$	59,589,939	$	60,794,526
Single-family, non-owner occupied		15,560		12,697		28,257		229,990		7,937,277		8,167,267
Multi-family, 5 or more units		37,560		1,125		38,685		127,623		577,989		705,612
Commercial		-		4,358		4,358		-		2,859,807		2,859,807
Land		-		1,691		1,691		-		1,059,891		1,059,891
Consumer loans		-		2,191		2,191		17,152		1,604,028		1,621,180
Unallocated		-		22,756		22,756		-		-		-
	$	90,120	$	140,283	$	230,403	$	1,579,352	$	73,628,931	$	75,208,283

	Allowance for Loan Losses						Loans
	Individually		Collectively				Individually		Collectively
	Evaluated		Evaluated				Evaluated		Evaluated
	for Impairment		for Impairment		Total		for Impairment		for Impairment		Total
At March 31, 2015:
Real estate loans:
Single-family, owner occupied	$	37,000	$	125,403	$	162,403	$	1,209,527	$	60,045,620	$	61,255,147
Single-family, non-owner occupied		16,665		16,541		33,206		239,842		7,922,692		8,162,534
Multi-family, 5 or more units		-		1,500		1,500		127,623		593,507		721,130
Commercial		-		5,986		5,986		-		2,878,651		2,878,651
Land		-		2,521		2,521		-		1,212,874		1,212,874
Consumer loans		-		2,954		2,954		-		1,562,398		1,562,398
Unallocated		-		33,533		33,533		-		-		-
	$	53,665	$	188,438	$	242,103	$	1,576,992	$	74,215,742	$	75,792,734

Schedule Of Impaired Loans, Allocated Valuation Allowances And Average Recorded Investment [Table Text Block]

The following presents impaired loans and allocated valuation allowances based upon class levels and average recorded investment:

	Impaired Loans
	With		With no				Unpaid		Allowance
	Allowance		Allowance				Principal		for
	for Losses		for Losses		Total		Balance		Losses
At June 30, 2015
Real estate loans:
Single-family, owner occupied	$	941,780	$	262,807	$	1,204,587	$	1,204,587	$	37,000
Single-family, non-owner occupied		206,531		23,459		229,990		229,990		15,560
Multi-family, 5 or more units		127,623		-		127,623		127,623		37,560
Commercial		-		-		-		-		-
Land		-		-		-		-		-
Consumer loans		-		17,152		17,152		17,152		-
	$	1,275,934	$	303,418	$	1,579,352	$	1,579,352	$	90,120

The average recorded investment on impaired loans for the three months ended June 30, 2015 included: single-family, owner occupied of $1.2 million, single-family, non-owner occupied of $223,990, multi-family of $85,082 and consumer loans of $8,532.

The average recorded investment on impaired loans for the three months ended June 30, 2014 included: single-family, owner occupied of $963,647, and single-family, non-owner occupied of $444,941.

	Impaired Loans
	With		With no				Unpaid		Allowance
	Allowance		Allowance				Principal		for
	for Losses		for Losses		Total		Balance		Losses
At March 31, 2015:
Real estate loans:
Single-family, owner occupied	$	946,720	$	262,807	$	1,209,527	$	1,209,527	$	37,000
Single-family, non-owner occupied		207,636		32,206		239,842		239,842		16,665
Multi-family, 5 or more units		-		127,623		127,623		127,623		-
Commercial		-		-		-		-		-
Land		-		-		-		-		-
Consumer loans		-		-		-		-		-
	$	1,154,356	$	422,636	$	1,576,992	$	1,576,992	$	53,665

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following presents nonperforming loans based upon class level:

	Nonperforming Loans
			Past Due 90		Accruing
			Days or More		Troubled Debt
	Nonaccrual		and Still Accruing		Restructurings		Total
At June 30, 2015:
Real estate loans:
Single-family, owner occupied	$	262,807	$	-	$	941,780	$	1,204,587
Single-family, non-owner occupied		23,459		-		206,531		229,990
Multi-family, 5 or more units		127,623		-		-		127,623
Commercial		-		-		-		-
Land		-		-		-		-
Consumer loans		17,152		-		-		17,152
	$	431,041	$	-	$	1,148,311	$	1,579,352

	Nonperforming Loans
			Past Due 90		Accruing
			Days or More		Troubled Debt
	Nonaccrual		and Still Accruing		Restructurings		Total
At March 31, 2015:
Real estate loans:
Single-family, owner occupied	$	262,807	$	-	$	946,720	$	1,209,527
Single-family, non-owner occupied		32,206		-		207,636		239,842
Multi-family, 5 or more units		127,623		-		-		127,623
Commercial		-		-		-		-
Land		-		-		-		-
Consumer loans		-		-		-		-
	$	422,636	$	-	$	1,154,356	$	1,576,992

Accruing Troubled Debt Restructurings On Financing Receivables [Table Text Block]

The following presents a summary of accruing troubled debt restructurings at June 30, 2015 and March 31, 2015:

	June 30,				March 31,
	2015				2015
	Number of		Recorded		Number of		Recorded
	Contracts		Investment		Contracts		Investment
Real estate loans:
Single-family, owner occupied		2	$	941,780		2	$	946,720
Single-family, non-owner occupied		2		206,531		2		207,636
		4	$	1,148,311		4	$	1,154,356

Past Due Financing Receivables [Table Text Block]

The following presents the Bank's loan portfolio aging analysis:

	Days Past Due
	30-59		60-89		90 or more		Current		Total
At June 30, 2015:
Real estate loans:
Single-family, owner occupied	$	183,080	$	501,501	$	262,807	$	59,847,138	$	60,794,526
Single-family, non-owner occupied		232,029		185,642		23,459		7,726,137		8,167,267
Multi-family, 5 or more units		-		-		127,623		577,989		705,612
Commercial		-		-		-		2,859,807		2,859,807
Land		-		-		-		1,059,891		1,059,891
Consumer loans		-		-		17,152		1,604,028		1,621,180
	$	415,109	$	687,143	$	431,041	$	73,674,990	$	75,208,283

	Days Past Due
	30-59		60-89		90 or more		Current		Total
At March 31, 2015:
Real estate loans:
Single-family, owner occupied	$	1,032,922	$	41,745	$	262,807	$	59,917,673	$	61,255,147
Single-family, non-owner occupied		-		186,457		32,206		7,943,871		8,162,534
Multi-family, 5 or more units		-		-		127,623		593,507		721,130
Commercial		-		-		-		2,878,651		2,878,651
Land		-		-		-		1,212,874		1,212,874
Consumer loans		26,221		3,944		-		1,532,233		1,562,398
	$	1,059,143	$	232,146	$	422,636	$	74,078,809	$	75,792,734

Financing Receivable Credit Quality Indicators [Table Text Block]

The following presents the credit risk profile for the Bank's loan portfolio based upon rating category:

	Credit Quality Indicator-Credit Risk Profile by Grade or Classification
	Special
	Mention		Substandard		Doubtful		Loss		Pass		Total
At June 30, 2015:
Real estate loans:
Single-family, owner occupied	$	-	$	1,204,587	$	-	$	-	$	59,589,939	$	60,794,526
Single-family, non-owner occupied		-		229,990		-		-		7,937,277		8,167,267
Multi-family, 5 or more units		-		127,623		-		-		577,989		705,612
Commercial		-		-		-		-		2,859,807		2,859,807
Land		-		-		-		-		1,059,891		1,059,891
Consumer loans		-		17,152		-		-		1,604,028		1,621,180
	$	-	$	1,579,352	$	-	$	-	$	73,628,931	$	75,208,283

	Credit Quality Indicator-Credit Risk Profile by Grade or Classification
	Special
	Mention		Substandard		Doubtful		Loss		Pass		Total
At March 31, 2015:
Real estate loans:
Single-family, owner occupied	$	-	$	1,209,527	$	-	$	-	$	60,045,620	$	61,255,147
Single-family, non-owner occupied		-		239,842		-		-		7,922,692		8,162,534
Multi-family, 5 or more units		-		127,623		-		-		593,507		721,130
Commercial		-		-		-		-		2,878,651		2,878,651
Land		-		-		-		-		1,212,874		1,212,874
Consumer loans		-		-		-		-		1,562,398		1,562,398
	$	-	$	1,576,992	$	-	$	-	$	74,215,742	$	75,792,734

Allowance for Loan and Lease Losses [Member]

Defined Benefit Plan Disclosure [Line Items]

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following presents by portfolio segment, the activity in the allowance for loan losses for the three months ended June 30, 2015 and 2014:

	Allowance for Loan Losses
	Beginning		Provision for						Ending
	Balance		Losses		Charge-offs		Recoveries		Balance
Three months ended June 30, 2015:
Real estate loans:
Single-family, owner occupied	$	162,403	$	(29,938)	$	-	$	-	$	132,465
Single-family, non-owner occupied		33,206		(4,949)		-		-		28,257
Multi-family, 5 or more units		1,500		37,185		-		-		38,685
Commercial		5,986		(1,628)		-		-		4,358
Land		2,521		(830)		-		-		1,691
Consumer loans		2,954		(763)		-		-		2,191
Unallocated		33,533		(10,777)		-		-		22,756
	$	242,103	$	(11,700)	$	-	$	-	$	230,403

	Allowance for Loan Losses
	Beginning		Provision for						Ending
	Balance		Losses		Charge-offs		Recoveries		Balance
Three months ended June 30, 2014:
Real estate loans:
Single-family, owner occupied	$	209,010	$	1,953	$	-	$	-	$	210,963
Single-family, non-owner occupied		52,576		(2,086)		-		-		50,490
Multi-family, 5 or more units		2,356		(44)		-		-		2,312
Commercial		8,971		(757)		-		-		8,214
Land		4,677		(223)		-		-		4,454
Consumer loans		4,420		(55)		-		-		4,365
Unallocated		22,093		(21,788)		-		-		305
	$	304,103	$	(23,000)	$	-	$	-	$	281,103