| Deposit Liabilities Disclosures [Text Block] |
DEPOSITS
Deposit balances and weighted average stated interest rates as of March 31 are as follows: | | | | | | | | | | | | | | | | | | | | | $ in thousands | 2013 | | 2012 | | Amount | | Percent of Total Deposits | | Weighted Average Rate | | Amount | | Percent of Total Deposits | | Weighted Average Rate | Non-interest-bearing demand | $ | 58,239 |
| | 11.75 | % | | — | % | | $ | 67,202 |
| | 12.62 | % | | — | % | NOW accounts | 25,927 |
| | 5.23 | % | | 0.16 | % | | 28,325 |
| | 5.32 | % | | 0.15 | % | Savings | 98,066 |
| | 19.78 | % | | 0.26 | % | | 101,079 |
| | 18.98 | % | | 0.27 | % | Money market savings account | 113,259 |
| | 22.85 | % | | 0.67 | % | | 109,404 |
| | 20.54 | % | | 0.77 | % | Certificates of deposit | 198,089 |
| | 39.96 | % | | 1.16 | % | | 224,445 |
| | 42.14 | % | | 1.25 | % | Mortgagors deposits | 2,136 |
| | 0.43 | % | | 1.80 | % | | 2,142 |
| | 0.40 | % | | 1.67 | % | Total | $ | 495,716 |
| | 100.00 | % | | 0.68 | % | | $ | 532,597 |
| | 100.00 | % | | 0.75 | % |
Scheduled maturities of certificates of deposit are as follows for the year ended March 31, 2013:
| | | | | | | | | | | | | | | | | | | | | | | | | $ in thousands | | Period to Maturity | Rate | | < 1 Yr. | | 1-2 Yrs. | | 2-3 Yrs. | | 3+ Yrs. | | Total 2013 | | Percent of Total | 0% - 0.99% | | $ | 91,938 |
| | $ | 5,539 |
| | $ | 2,280 |
| | $ | 4,064 |
| | $ | 103,821 |
| | 52.41 | % | 1% - 1.99% | | 14,246 |
| | 34,361 |
| | 3,589 |
| | 15,144 |
| | 67,340 |
| | 33.99 | % | 2% - 3.99% | | 4,518 |
| | 4,425 |
| | 11,982 |
| | 5,719 |
| | 26,644 |
| | 13.45 | % | 4% and over | | 228 |
| | 53 |
| | — |
| | 3 |
| | 284 |
| | 0.14 | % | Total | | $ | 110,930 |
| | $ | 44,378 |
| | $ | 17,851 |
| | $ | 24,930 |
| | $ | 198,089 |
| | 99.99 | % |
As of March 31, 2013 the Bank had pledged $0.1 million 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, 2013 maturing during the periods indicated:
| | | | | $ in thousands | | Maturing: | | April 1, 2013 to June 30, 2013 | $ | 27,876 |
| July 1, 2013 to September 30, 2013 | 9,476 |
| October 1, 2013 to March 31, 2014 | 38,167 |
| April 1, 2014 and beyond | 63,723 |
| Total | $ | 139,242 |
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Interest expense on deposits is as follows for the years ended March 31:
| | | | | | | | | | | | | $ in thousands | 2013 | | 2012 | | 2011 | NOW demand | $ | 42 |
| | $ | 42 |
| | $ | 101 |
| Savings and clubs | 259 |
| | 274 |
| | 286 |
| Money market savings | 739 |
| | 838 |
| | 795 |
| Certificates of deposit | 2,441 |
| | 2,848 |
| | 4,322 |
| Mortgagors deposits | 37 |
| | 38 |
| | 41 |
| | 3,518 |
| | 4,040 |
| | 5,545 |
| Penalty for early withdrawal of certificates of deposit | (10 | ) | | (17 | ) | | (16 | ) | Total interest expense | $ | 3,508 |
| | $ | 4,023 |
| | $ | 5,529 |
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