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Deposit
 12 Months Ended
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