0001144204-13-036494.txt : 20130625 0001144204-13-036494.hdr.sgml : 20130625 20130625162852 ACCESSION NUMBER: 0001144204-13-036494 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20130331 FILED AS OF DATE: 20130625 DATE AS OF CHANGE: 20130625 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Madison Bancorp Inc CENTRAL INDEX KEY: 0001492324 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 272585073 STATE OF INCORPORATION: MD FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-54081 FILM NUMBER: 13932403 BUSINESS ADDRESS: STREET 1: 8615 RIDGELYS CHOICE DRIVE STREET 2: SUITE 111 CITY: BALTIMORE STATE: MD ZIP: 21236 BUSINESS PHONE: 410-529-7400 MAIL ADDRESS: STREET 1: 8615 RIDGELYS CHOICE DRIVE STREET 2: SUITE 111 CITY: BALTIMORE STATE: MD ZIP: 21236 10-K 1 v346181_10k.htm FORM 10-K

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

 

FORM 10-K

 

(Mark one)

 

x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the fiscal year ended March 31, 2013

OR

 

¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from ______________ to _____________

Commission file number: 0-54081

 

            MADISON BANCORP, INC.             

(Exact Name of Registrant as Specified in Its Charter)

 

                    Maryland                                             27-258073                     
(State or Other Jurisdiction of Incorporation or   (I.R.S. Employer Identification No.)
Organization)    

 

8615 Ridgely’s Choice Drive, Suite 111, Baltimore, Maryland        21236     
(Address of Principal Executive Offices)   (Zip Code)

 

Issuer’s telephone number, including area code: (410) 529-7400

 

Securities registered pursuant to Section 12(b) of the Act: None

 

Securities registered pursuant to Section 12(g) of the Act: Common stock, par value $0.01 per share

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ¨ No x

 

Indicate by check mark if not registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act. Yes ¨ No x

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x  No  ¨

 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of regulation S-K in not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference to Part III of this Form 10-K or any amendment to this Form 10-K. x

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

 

  Large accelerated filer  ¨   Accelerated filer  ¨
  Non-accelerated filer   ¨   Smaller reporting company x
  (Do not check if a smaller reporting company)    

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ¨ No x

 

As of September 30, 2012, the aggregate market value of voting common stock held by non-affiliates was $4,802,176.

 

As of June 24, 2013, there were 608,116 shares of the registrant’s common stock outstanding.

 

DOCUMENTS INCORPORATED BY REFERENCE

 

1.Portions of the Proxy Statement for the Annual Meeting of Stockholders (Part III)

 

 
 

 

MADISON BANCORP, INC.

 

Table of Contents

 

        Page
PART I
         
Item 1.   Business   1
         
Item 1A.   Risk Factors   18
         
Item 1B.   Unresolved Staff Comments   24
         
Item 2.   Properties   25
         
Item 3.   Legal Proceedings   25
         
Item 4.   Mine Safety Disclosures   25
         
PART II
         
Item 5.   Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities   26
         
Item 6.   Selected Financial Data   27
         
Item 7.   Management’s Discussion and Analysis of Financial Condition and Results of Operations   29
         
Item 7A.   Quantitative and Qualitative Disclosures About Market Risk   53
         
Item 8.   Financial Statements and Supplementary Data   53
         
Item 9.   Changes in and Disagreements With Accountants on Accounting and Financial Disclosure   53
         
Item 9A.   Controls and Procedures   53
         
Item 9B.   Other Information   55
         
PART III
         
Item 10.   Directors, Executive Officers and Corporate Governance   55
         
Item 11.   Executive Compensation   55
         
Item 12.   Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters   56
         
Item 13.   Certain Relationships and Related Transactions, and Director Independence   56
         
Item 14.   Principal Accountant Fees and Services   56
         
PART IV
         
Item 15.   Exhibits and Financial Statement Schedules   57
         
SIGNATURES    

 

 
 

 

Forward-Looking Statements

 

This Annual report on Form 10-K contains forward-looking statements, which can be identified by the use of words such as “believes”, “expects”, “anticipates”, “estimates” or similar expressions. Forward-looking statements include: statements of our goals, intentions and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits. These forward-looking statements are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by the forward-looking statements due to, among others, the following factors: general economic conditions, either nationally or in our primary market area, that are worse than expected; a continued decline in real estate values; changes in the interest rate environment that reduce our interest margins or reduce the fair value of financial instruments; increased competitive pressures among financial services companies; changes in consumer spending, borrowing and savings habits; legislative, regulatory or supervisory changes that adversely affect our business; adverse changes in the securities markets; and changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board or the Public Company Accounting Oversight Board. Any of the forward-looking statements that we make in this Annual Report on Form 10-K and in other public statements we make may later prove incorrect because of inaccurate assumptions, the factors illustrated above or other factors that we cannot foresee. Consequently, no forward-looking statement can be guaranteed.

 

PART I

 

Item 1. Business

 

General

 

Madison Bancorp, Inc. Madison Bancorp, Inc. (the “Company”) was incorporated in May 2010 to be the holding company for Madison Square Federal Savings Bank (the “Bank”) following the Bank’s conversion from the mutual to the stock form of ownership. On October 6, 2010, the mutual to stock conversion was completed and the Bank became the wholly owned subsidiary of the Company. Also on that date, the Company sold and issued 608,116 shares of its common stock at a price of $10.00 per share, through which the Company received net offering proceeds of $5,340,068. The Company’s principal business activity is the ownership of the outstanding shares of common stock of the Bank. The Company does not own or lease any property, but instead uses the premises, equipment and other property of the Bank, with the payment of appropriate rental fees, as required by applicable laws and regulations, under the terms of an expense allocation agreement entered into with the Bank.

 

Madison Square Federal Savings Bank. Founded in 1870, Madison Square Federal Savings Bank is a community-oriented financial institution, dedicated to serving the financial service needs of customers and businesses within its market area, which consists of Baltimore and Harford Counties and northeast Baltimore City in Maryland. We offer a variety of deposit products and provide loans secured by real estate located in our market area. Our real estate loans consist primarily of residential mortgage loans, as well as commercial real estate loans, land loans, home equity lines of credit and residential construction loans. We also offer commercial business loans and, to a limited extent, consumer loans. We currently operate out of our corporate headquarters in the Perry Hall area of Baltimore County and full service branch offices located in Perry Hall, Fallston, Bel Air and Baltimore City, Maryland. The Bank is subject to extensive regulation, examination and supervision by the Office of the Comptroller of the Currency, its primary federal regulator, and the Federal Deposit Insurance Corporation, as the Bank’s deposit insurer. At March 31, 2013, we had total assets of $149.9 million, total deposits of $134.7 million and total shareholders’ equity of $14.3 million.

 

The Bank’s and the Company’s executive offices are located at 8615 Ridgley’s Choice Drive, Suite 111, Baltimore, Maryland 21236 and its telephone number is (410) 529-7400.

 

Available Information

 

The Company and Bank maintain an internet website at http://www.madisonsquarefsb.com. The Company makes available its Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and amendments to such reports filed with the Securities and Exchange Commission (“SEC”) as well as other information related to the Company, free of charge. SEC reports are available on this site as soon as reasonably practicable after electronically filed. The internet website and the information contained therein or connected thereto are not intended to be incorporated into this Annual Report on Form 10-K.

 

1
 

 

Market Area

 

We are headquartered in Baltimore, Maryland. We consider the northeast Maryland corridor along I-95 to the Delaware line to be our primary market area, consisting of Baltimore and Harford Counties and Baltimore City, Maryland, and the surrounding areas. The economy of our market area is a diverse cross section of employment sectors, with a mix of services, manufacturing, wholesale/retail trade, federal and local government, health care facilities and finance related employment. This diversification helped to mitigate the impact of the economic recession experienced over the last several years, as Maryland’s seasonally adjusted unemployment rate decreased from 7.5% at December 31, 2010 to 6.7% at December 31, 2012, which remained well below the national seasonally adjusted unemployment rate which decreased from 9.3% at December 31, 2010 to 7.8% at December 31, 2012 (Sources: Maryland Department of Labor, Licensing & Regulation and United States Department of Labor – Bureau of Labor Statistics). Select employers in Baltimore County include the U.S. Social Security Administration, T. Rowe Price Group, McCormick & Company and Lockheed Martin, while Aberdeen Proving Grounds (“APG”) is a major employer both in the military and civilian capacity in Harford County.

 

Demographic and economic growth trends provide key insight into the health of our market area. The following table sets forth information regarding the distribution of our loans and deposits and demographic information for the counties in our market area, including Baltimore City, and the State of Maryland. The demographic information is based on published statistics of the U.S. Bureau of Labor Statistics and the U.S. Census Bureau.

 

 

   Baltimore City   Baltimore County   Harford County   Maryland 
                 
Loans by County (in millions) (1)  $9.7   $27.2   $34.1   $84.3 
Deposits by County (in millions) (1)  $23.0   $58.2   $46.0   $131.2 
Unemployment rate (2)   9.9%   7.2%   6.8%   6.7%
Median household income (3)  $40,100   $65,411   $79,953   $72,419 
Population growth (decline) (4)   (0.5)%   0.7%   1.2%   0.9%

 

 

(1)At March 31, 2013
(2)December 2012 (Not Seasonally Adjusted)
(3)For 2007-2011
(4)From 2000 to 2010

 

If the population of Baltimore City continues to decline, it could negatively affect our deposit and loan volumes. However, we maintain only a single branch in Baltimore City, and Baltimore City accounted for only 17.1% of our total deposits and 11.6% of our total loans. As a result, we expect the adverse effect on our loan and deposit volumes of any future population declines in Baltimore City to be limited.

 

Lending Activities

 

General. The largest segment of our loan portfolio is real estate mortgage loans, consisting of residential mortgage loans, and, to a lesser extent, commercial real estate loans, land loans, home equity lines of credit and residential construction loans. We also offer commercial business loans and, to a limited extent, consumer loans. We originate loans primarily for investment purposes and currently do not sell residential mortgage loans into the secondary market. Occasionally, we sell participation interests in certain loans that exceed our regulatory limit on loans to one borrower. We also occasionally purchase loan participations.

 

2
 

 

We intend to continue to emphasize residential lending, while also seeking to expand our commercial real estate and commercial business lending activities with a focus on serving small businesses and emphasizing relationship banking in our primary market area. We do not offer, and have not offered, sub-prime loans, no-documentation mortgage loans or Alt-A mortgage loans.

 

The following is a description of the loans we offer and our lending policies. On occasion, as described below, we may choose to originate a loan that does not conform in every particular way with our loan policies. However, such exceptions are rare and immaterial. Any exceptions to our loan policies must be approved by the individuals or committee having authority to approve a comparable loan that conformed fully with our lending policies. For information regarding loan approval procedures and authority, see “― Loan Underwriting ― Loan Approval Procedures and Authority.”

 

1-4 Single Family. At March 31, 2013, we had $54.6 million in 1-4 single family loans, which represented 64.8% of our total loan portfolio. Our origination of 1-4 single family mortgage loans enables borrowers to purchase or refinance existing homes located in our primary market area.

 

Our 1-4 single family lending policies and procedures generally conform to secondary market guidelines. We offer a mix of adjustable rate mortgage loans and fixed-rate mortgage loans with terms of up to 30 years. Borrower demand for adjustable-rate loans compared to fixed-rate loans is a function of the level of interest rates, the expectations of changes in the level of interest rates, and the difference between the interest rates and loan fees offered for fixed-rate mortgage loans as compared to an initially discounted interest rate and loan fees for multi-year adjustable-rate mortgages. The relative amount of fixed-rate mortgage loans and adjustable-rate mortgage loans that can be originated at any time is largely determined by the demand for each in a competitive environment. We determine the loan fees, interest rates and other provisions of mortgage loans based on our own pricing criteria and competitive market conditions.

 

While 1-4 single family real estate loans are normally originated with 10-, 15- or 30-year terms, such loans typically remain outstanding for substantially shorter periods because borrowers often prepay their loans in full either upon sale of the property pledged as security or upon refinancing the original loan. Therefore, average loan maturity is a function of, among other factors, the level of purchase and sale activity in the real estate market, prevailing interest rates and the interest rates payable on outstanding loans on a regular basis. We do not offer 1-4 single family residential mortgage loans with negative amortization, and we have made a very limited number of interest only 1-4 single family mortgage loans in cases where the borrower had unusually favorable income or collateral characteristics.

 

Interest rates and payments on our adjustable-rate 1-4 single family mortgage loans adjust for periods ranging from every month to up to 10 years, with most adjusting every one, three or five years after an initial fixed period that, in most cases, is one, three or five years. Interest rates and payments on our adjustable-rate loans are indexed to the corresponding U.S. Treasury Bill rate, except that loans that adjust monthly are indexed to the prime rate.

 

We do not make owner occupied 1-4 single family real estate loans with loan-to-value ratios exceeding 80%, except when there are exceptional income or credit characteristics on the loan. Loans with loan-to-value ratios in excess of 80% require private mortgage insurance, and if there is no private mortgage insurance, the interest rate and points we charge for the loan may be increased by the cost of private mortgage insurance premiums. In addition, under current lending guidelines, non-owner occupied 1-4 single family real estate loan-to-value ratios generally may not exceed 65%. We require all properties securing mortgage loans to be appraised by a board-approved independent appraiser. We also require title insurance on all first mortgage loans. Borrowers must obtain hazard insurance, and flood insurance is required for all loans located in flood hazard areas. We do not make loans generally known as subprime loans or Alt A loans.

 

Included in 1-4 single family mortgage loans are second mortgage loans. Second mortgage loans are made at fixed rates for terms of up to 20 years. We do not offer second mortgage loans with loan-to-value ratios exceeding 80%, including any first mortgage loan balance, except when there are exceptional income or credit characteristics on the loan. Second mortgage loans totaled $3.4 million at March 31, 2013 and represented 6.0% of residential mortgage loans at such date.

 

3
 

 

Multi-Family Loans. We occasionally originate multi-family loans for apartment buildings and mobile home parks. At March 31, 2013, multi-family loans totaled $1.5 million, which represented 1.8% of our total loan portfolio. At March 31, 2013, our largest multi-family real estate loan had an outstanding balance of $1.8 million, of which we held $1.1 million after our sale of a participation interest in this loan. This loan, which was originated in August 2008 and is secured by mobile home parks, was performing in accordance with its original terms at March 31, 2013.

 

Commercial Real Estate Loans. We offer fixed- and adjustable-rate mortgage loans secured by commercial real estate. At March 31, 2013, commercial real estate loans totaled $14.6 million, or 17.3% of our total loan portfolio. Our commercial real estate loans typically are secured by small to moderately sized office and retail properties located in our primary market area and the surrounding areas.

 

We originate fixed-rate commercial real estate loans, generally with repricing at terms of from one month to seven years, with most being from three to five years, and initial payments based on an amortization schedule of up to 25 years. Interest rates vary and are based on market factors and negotiation with the borrower. We also offer adjustable-rate commercial real estate loans, with terms of up to 25 years and with interest rates based on the corresponding U.S. Treasury bill rate plus a negotiated margin. Loans are secured by first mortgages, generally are originated with a maximum loan-to-value ratio of 75% and may require specified debt service coverage ratios depending on the characteristics of the project. Rates and other terms on such loans depend on our assessment of credit risk after considering such factors as the borrower’s financial condition and credit history, loan-to-value ratio, debt service coverage ratio, and other factors. Many of our commercial real estate loans provide for an interest rate floor.

 

Included in commercial real estate loans are construction loans for commercial properties, such as retail properties and office units; however, we had no commercial real estate construction loans at March 31, 2013 or 2012. Commercial real estate construction loans are for a term of up to 18 months, with monthly interest only payments. During the construction period, interest rates on these loans are tied to the prime rate as published in The Wall Street Journal plus a negotiated margin and can vary depending on the construction period. We require a maximum loan-to-value ratio of 80% for all construction loans, except where there are exceptional credit circumstances on the loan. We disburse funds on a percentage-of-completion basis following an inspection by a third party inspector or qualified bank personnel.

 

At March 31, 2013, our largest commercial real estate loan had an outstanding balance of $1.6 million. This loan, which was originated in November of 2011 and is secured by owner-occupied commercial real estate, was performing in accordance with its original terms at March 31, 2013.

 

Land Loans. We originate loans to individuals and developers for the purpose of developing vacant land in our primary market area, typically for building an individual’s future residence or, in the case of a developer, residential subdivisions or commercial property. At March 31, 2013, land loans totaled $4.2 million, which represented 5.0% of our total loan portfolio. Land loans, which are offered for terms of up to five years, are indexed to the prime rate as reported in The Wall Street Journal or a U.S. Treasury bill rate plus a negotiated margin. We limit the loan-to-value ratio to a maximum of 75%, except where there are exceptional credit circumstances on the loan. At March 31, 2013, our largest land loan had an outstanding balance of $758,000 and was performing in accordance with its original terms at March 31, 2013.

 

Farm Loans Guaranteed by the USDA. We purchase the guaranteed portion of farm loans guaranteed by the United States Department of Agriculture (USDA). These loans are part of the USDA’s Farm Service Agency’s Farm Loan Program and consist of ownership and operating loans to family-size farmers and ranchers. At March 31, 2013, farm loans guaranteed by the USDA totaled $889,000, or 1.1% of our total loan portfolio.

 

Home Equity Lines of Credit. We offer home equity lines of credit, which include adjustable-rate loans with terms up to 20 years. We do not originate home equity loans with loan-to-value ratios exceeding 80%, including any first mortgage loan balance, except where there are exceptional income or credit characteristics on the loan. At March 31, 2013, home equity lines of credit totaled $2.7 million, or 3.2% of our total loan portfolio.

 

4
 

 

Residential Construction Loans. We originate construction loans for 1-4 single family homes. At March 31, 2013, residential construction loans totaled $1.4 million, which represented 1.6% of our total loan portfolio. Construction loans are for terms of up to 18 months, with monthly interest only payments. Except for speculative loans discussed below residential construction loans are made only to homeowners or to builders of presold homes and the repayment of such loans comes from the proceeds of a permanent mortgage loan for which a commitment is typically in place when the construction loan is originated. Occasionally, we also originate construction loans to builders where the homes have not been presold to buyers at the time of the loan. Interest rates on these loans are tied to the prime rate as published in The Wall Street Journal plus a negotiated margin and can vary in term depending on the construction period. We require a maximum loan-to-value ratio of 80% for all construction loans, except where there are exceptional income or credit characteristics on the loan. We disburse funds on a percentage-of-completion basis following an inspection by a third party inspector or qualified bank personnel.

 

While we also originate speculative construction loans to builders who have not identified a buyer for the completed property at the time of origination (known as “speculative” construction loans), we generally limit this type of lending to a group of well-established builders in our primary market area and limit the number of projects with each builder. At March 31, 2013, we had approved commitments for speculative construction loans of $2.0 million, of which $1.0 million was outstanding. We require a maximum loan-to-value ratio of 75% for speculative construction loans, except where there are exceptional credit circumstances on the loan.

 

At March 31, 2013, our non-speculative construction loans had total commitments of $0.4 million, of which $0.3 million was outstanding. These relationships were performing according to their original terms at March 31, 2013.

 

Commercial Business Loans. We typically offer commercial business loans to small businesses located in our primary market area. At March 31, 2013, commercial business loans totaled $4.1 million, which represented 4.9% of our total loan portfolio. Our commercial business loan portfolio consists primarily of loans that are secured by equipment or other business assets, but also includes a smaller amount of unsecured loans for purposes of financing expansion or providing working capital for general business purposes. Commercial business loans are floating-rate loans indexed to the prime rate as published in The Wall Street Journal or a U.S. Treasury bill rate plus a negotiated margin, and fixed-rate loans for terms of up to seven years with payments based on full amortization. We also offer commercial lines of credit, which are adjustable-rate loans indexed to the prime rate plus a margin, and are reviewed annually to determine whether to approve an extension. Key loan terms vary depending on the collateral, the borrower’s financial condition and credit history, debt service coverage ratio and other relevant factors.

 

Consumer Loans. We offer consumer loans as an accommodation to our customers and do not emphasize this type of lending. We have made a variety of consumer loans, including automobile and motorcycle loans, boat loans, commercial vehicle loans and overdraft lines of credit, but our portfolio primarily consists of automobile loans. At March 31, 2013, consumer loans totaled $403,000, or 0.5% of our total loan portfolio. Consumer loans are fixed-rate loans with terms of up to 10 years The procedures for underwriting consumer loans include an assessment of the applicant’s payment history on other debts and ability to meet existing obligations and payments on the proposed loan.

 

5
 

 

Loan Underwriting

 

Adjustable-Rate Loans. While we anticipate that adjustable-rate loans will better offset the adverse effects of an increase in interest rates as compared to fixed-rate mortgages, an increased monthly mortgage payment required of adjustable-rate loan borrowers in a rising interest rate environment could cause an increase in delinquencies and defaults. The marketability of the underlying property also may be adversely affected in a high interest rate environment. In addition, although adjustable-rate mortgage loans make our asset base more responsive to changes in interest rates, the extent of this interest sensitivity is limited by the annual and lifetime interest rate adjustment limits.

 

Nonowner -Occupied Residential Real Estate Loans. Loans secured by investment properties represent a unique credit risk to us and, as a result, we adhere to special underwriting guidelines. Of primary concern in non-owner occupied real estate lending is the consistency of rental income of the property. Payments on loans secured by rental properties often depend on the maintenance of the property and the payment of rent by its tenants. Payments on loans secured by rental properties often depend on successful operation and management of the properties. As a result, repayment of such loans may be subject to adverse conditions in the real estate market or the economy. To monitor cash flows on rental properties, we require borrowers and loan guarantors, if any, to provide annual financial statements. We consider and review a rental income cash flow analysis of the borrower and consider the net operating income of the property, the borrower’s expertise, credit history and profitability, and the value of the underlying property. We generally require collateral on these loans to be a first mortgage along with an assignment of rents and leases, although we might accept a second mortgage where the combined loan-to-value ratio is low.

 

Commercial Real Estate Loans. Loans secured by commercial real estate generally have larger balances and involve a greater degree of risk than residential mortgage loans. Of primary concern in commercial real estate lending is the borrower’s creditworthiness and the feasibility and cash flow potential of the project. Payments on loans secured by income properties often depend on successful operation and management of the properties. As a result, repayment of such loans may be subject to adverse conditions in the real estate market or the economy. We apply what we believe to be conservative underwriting standards when originating commercial loans and seek to limit our exposure to lending concentrations to related borrowers, types of business and geographies, as well as seeking to participate with other banks in both buying and selling larger loans of this nature. Management has hired experienced lending officers and credit management personnel over the past several years in order to safely increase this type of lending. To monitor cash flows on income properties, we require borrowers and loan guarantors, if any, to provide annual financial statements on commercial real estate loans. In reaching a decision on whether to make a commercial real estate loan, we consider and review a global cash flow analysis of the borrower and consider the net operating income of the property, the borrower’s expertise, credit history and profitability, and the value of the underlying property. An environmental survey or environmental risk insurance is obtained when the possibility exists that hazardous materials may have existed on the site, or the site may have been impacted by adjoining properties that handled hazardous materials. 

 

Construction and Land Loans. Construction financing is generally considered to involve a higher degree of risk of loss than long-term financing on improved, occupied real estate. Risk of loss on a construction loan depends largely upon the accuracy of the initial estimate of the property’s value at completion of construction and the estimated cost of construction. During the construction phase, a number of factors could result in delays and cost overruns. If the estimate of construction costs proves to be inaccurate, we may be required to advance funds beyond the amount originally committed to permit completion of the building. If the estimate of value proves to be inaccurate, we may be confronted, at or before the maturity of the loan, with a building having a value which is insufficient to assure full repayment if liquidation is required. If we are forced to foreclose on a building before or at completion due to a default, we may be unable to recover all of the loan’s unpaid balance and accrued interest as well as related foreclosure and holding costs. In addition, speculative construction loans, which are loans made to home builders who, at the time of loan origination, have not yet secured an end buyer for the home under construction, typically carry higher risks than those associated with traditional construction loans. These increased risks arise because of the risk that there will be inadequate demand to ensure the sale of the property within an acceptable time. As a result, in addition to the risks associated with traditional construction loans, speculative construction loans carry the added risk that the builder will have to pay the property taxes and other carrying costs of the property until an end buyer is found. Land and land development loans have substantially similar risks to speculative construction loans. To monitor cash flows on construction properties, we require borrowers and loan guarantors, if any, to provide annual financial statements, and in reaching a decision on whether to make a construction or land loan, we consider and review a global cash flow analysis of the borrower and consider the borrower’s expertise, credit history and profitability. We also disburse funds on a percentage-of-completion basis following an inspection by a third party inspector or qualified bank personnel.

 

6
 

 

Commercial Business Loans. Unlike residential mortgage loans, which generally are made on the basis of the borrower’s ability to make repayment from his or her employment income or other income, and which are secured by real property whose value tends to be more easily ascertainable, commercial business loans are of higher risk and typically are made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business. As a result, the availability of funds for the repayment of commercial business loans may depend substantially on the success of the business itself. Further, any collateral securing such loans may depreciate over time, may be difficult to appraise and may fluctuate in value.

 

Consumer Loans and Home Equity Lines of Credit. Consumer loans may entail greater risk than residential mortgage loans, particularly in the case of consumer loans that are secured by assets that depreciate rapidly, such as motor vehicles. In such cases, repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan and a small remaining deficiency often does not warrant further substantial collection efforts against the borrower. In the case of home equity loans, real estate values may be reduced to a level that is insufficient to cover the outstanding loan balance after accounting for the first mortgage loan balance. Consumer loan collections depend on the borrower’s continuing financial stability, and therefore are likely to be adversely affected by various factors, including job loss, divorce, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered on such loans.

 

Loan Approval Procedures and Authority. Our lending activities follow written, non-discriminatory underwriting standards and loan origination procedures established by our board of directors and management. Certain Bank employees have been granted individual lending limits which vary depending on the type of loan and whether the loan is secured or unsecured. All loan requests exceeding the individual officer lending limits are approved as follows: (i) by two loan officers, up to $25,000 for secured consumer loans, up to $150,000 for residential mortgage loans, up to $100,000 for secured commercial loans and up to $250,000 for secured construction loans; and (ii) by the Loan Committee, up to $75,000 for secured consumer loans, $350,000 for secured commercial loans and $500,000 for residential and secured construction loans. Our Loan Committee consists of our President and Chief Executive Officer, Michael P. Gavin; Executive Vice President, Commercial Lending, Ronald E. Ballard; Executive Vice President, Lending, Melody P. Kline; and Executive Chairman, David F. Wallace. All loans exceeding the lending authority of the Loan Committee require approval by the Board Loan Committee, which consists of the Loan Committee and two outside directors.

 

Loans to One Borrower. The maximum amount that we may lend to one borrower and the borrower’s related entities is limited, by regulation, to 15% of our unimpaired capital and surplus. At March 31, 2013, our regulatory limit on loans-to-one-borrower was $2.0 million. At March 31, 2013, our largest lending relationship was $1.6 million and was performing according to its original terms at that date. This loan relationship is secured primarily by an owner occupied commercial real estate property.

 

Loan Commitments. We issue commitments for residential and commercial mortgage loans conditioned upon the occurrence of certain events. Commitments to originate mortgage loans are legally binding agreements to lend to our customers. Most of our loan commitments expire after 60 days. See note 8 of the notes to audited consolidated financial statements contained in this Annual Report on Form 10-K.

  

Investment Activities

 

We have legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various government-sponsored agencies and of state and municipal governments, mortgage-backed securities and certificates of deposit of federally insured institutions. Within certain regulatory limits, we also may invest a portion of our assets in other permissible securities. As a member of the Federal Home Loan Bank of Atlanta, we also are required to maintain an investment in Federal Home Loan Bank of Atlanta stock. Notwithstanding this legal authority, our investment policy limits our authority to invest in mortgage-backed securities exclusively to mortgage-backed securities issued by Fannie Mae, Freddie Mac or Ginnie Mae.

 

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At March 31, 2013, our investment portfolio consisted primarily of U.S. government agency securities, mortgage-backed securities including collateralized mortgage obligations, and brokered certificates of deposit. These securities were classified as available-for-sale securities. We do not currently invest in trading account securities. Further, we currently intend to limit future investments in mortgage-backed securities to agency securities guaranteed by the U.S. government or any agency thereof, and we currently do not intend to purchase mortgage-backed securities where the underlying loans are subprime loans, interest only loans, option adjustable rate loans, Alt A loans or other similar mortgage loans that have higher risk characteristics. At March 31, 2013, we also maintained an investment, at cost, in Federal Home Loan Bank of Atlanta common stock.

 

Our primary investment objectives are: (i) to provide and maintain liquidity within the guidelines of the Office of the Comptroller of the Currency’s regulations, (ii) to fully employ the available funds of the Bank; (iii) to earn an average rate of return on invested funds competitive with comparable institutions; (iv) to manage interest rate risk; and (v) to limit risk. Our board of directors has the overall responsibility for the investment portfolio, including approval of the investment policy. Our Investment Committee, which is appointed by the President and Chief Executive Officer, consists of the President and Chief Executive Officer and two directors, including one outside director. The Investment Committee is responsible for implementation of the investment policy and monitoring our investment performance. Our board of directors reviews the status of our investment portfolio on a quarterly basis or more frequently if warranted.

 

Deposit Activities and Other Sources of Funds

 

General. Deposits, borrowings and loan repayments are the major sources of our funds for lending and other investment purposes. Scheduled loan repayments are a relatively stable source of funds while deposit inflows and outflows and loan prepayments are significantly influenced by general interest rates and money market conditions.

 

Deposit Accounts. Deposits are attracted from within our primary market area through the offering of a broad selection of deposit instruments, including noninterest-bearing demand deposits (such as checking accounts), interest-bearing demand accounts (such as NOW and money market accounts), regular savings accounts and certificates of deposit. Deposit account terms vary according to the minimum balance required, the time periods the funds must remain on deposit and the interest rate, among other factors. In determining the terms of our deposit accounts, we consider the rates offered by our competition, our liquidity needs, profitability, matching deposit and loan products and customer preferences and concerns. We generally review our deposit mix and pricing weekly. Our deposit pricing strategy has typically been to offer competitive rates on all types of deposit products and to periodically offer special rates in order to attract deposits of a specific type or term.

 

Borrowings. While we had no borrowings at March 31, 2013, we have the ability to use advances from the Federal Home Loan Bank of Atlanta to supplement our investable funds. The Federal Home Loan Bank functions as a central reserve bank providing credit for member financial institutions. As a member, we are required to own capital stock in the Federal Home Loan Bank of Atlanta and are authorized to apply for advances on the security of such stock and certain of our mortgage loans and other assets (principally securities which are obligations of, or guaranteed by, the United States), provided certain standards related to creditworthiness have been met. Advances are made under several different programs, each having its own interest rate and range of maturities. Depending on the program, limitations on the amount of advances are based either on a fixed percentage of an institution’s net worth, the Federal Home Loan Bank’s assessment of the institution’s creditworthiness, collateral value and level of Federal Home Loan Bank stock ownership. We may also utilize securities sold under agreements to repurchase and overnight repurchase agreements to supplement our supply of investable funds and to meet deposit withdrawal requirements. We had borrowing capacity of approximately $30.3 million with the Federal Home Loan Bank of Atlanta as of March, 31, 2012. The Bank also has $7.0 million in unused lines of credit with two large financial institutions.

 

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Competition

 

We face significant competition for the attraction of deposits and origination of loans. Our most direct competition for deposits has historically come from the many financial institutions operating in our primary market area and from other financial service companies such as securities brokerage firms, credit unions and insurance companies. We also face competition for investors’ funds from money market funds, mutual funds and other corporate and government securities. At June 30, 2012, which is the most recent date for which data is available from the Federal Deposit Insurance Corporation, we held approximately 0.32% of the deposits in Baltimore County, Maryland; 1.59% of the deposits in Harford County, Maryland; and 0.17% of the deposits in Baltimore City, Maryland. This data does not reflect deposits held by credit unions with which we also compete. In addition, banks owned by large national and regional holding companies and other community-based banks also operate in our primary market area. Most of these institutions are larger than us and, therefore, may have greater resources.

 

Our competition for loans comes primarily from financial institutions, including credit unions, in our primary market area and from other financial service providers, such as mortgage companies and mortgage brokers. Competition for loans also comes from non-depository financial services companies entering the mortgage market, such as insurance companies, securities companies and specialty finance companies.

 

We expect competition to increase in the future as a result of legislative, regulatory and technological changes and the continuing trend of consolidation in the financial services industry. Technological advances, for example, have lowered barriers to entry, allowed banks to expand their geographic reach by providing services over the Internet, and made it possible for non-depository institutions to offer products and services that traditionally have been provided by banks. Changes in federal law now permit affiliation among banks, securities firms and insurance companies, which promotes a competitive environment in the financial services industry. Competition for deposits and the origination of loans could limit our growth in the future.

 

Personnel

 

As of March 31, 2013, we had 30 full-time employees and 4 part-time employees, none of whom is represented by a collective bargaining unit. We believe our relationship with our employees is good.

 

Subsidiaries

 

The Bank has one subsidiary, Madison Financial Services Corporation (“MFSC”). MFSC was established in January 1994 as a licensed Maryland insurance provider, and offers insurance brokerage and agency services for liability, casualty, automobile, life, health or accident insurance and sales of non-deposit investment products. At March 31, 2013, MFSC had assets of $14,000. It contributed net income of $2,600 and $5,000 for the years ended March 31, 2013 and 2012, respectively.

 

Regulation and Supervision

 

General. As a federally chartered savings institution, Madison Square Federal Savings Bank is subject to extensive regulation, examination and supervision by the Office of the Comptroller of the Currency, as its primary federal regulator, and the Federal Deposit Insurance Corporation, as its deposits insurer. Madison Square Federal Savings Bank is a member of the Federal Home Loan Bank System, and its deposit accounts are insured up to applicable limits by the Deposit Insurance Fund managed by the Federal Deposit Insurance Corporation. Madison Square Federal Savings Bank must file reports with the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation concerning its activities and financial condition in addition to obtaining regulatory approval before entering into certain transactions such as mergers with, or acquisitions of, other financial institutions. There are periodic examinations by the Office of the Comptroller of the Currency and, under certain circumstances, the Federal Deposit Insurance Corporation to evaluate Madison Square Federal Savings Bank’s safety and soundness and compliance with various regulatory requirements. This regulatory structure is intended primarily for the protection of the insurance fund and depositors. The regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies with respect to the classification of assets and the establishment of adequate allowance for loan losses for regulatory purposes. Any change in such policies, whether by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation or Congress, could have a material adverse impact on Madison Bancorp and Madison Square Federal Savings Bank and their operations. Madison Bancorp, as a savings and loan holding company, is required to file certain reports with, is subject to examination by, and otherwise must comply with the rules and regulations of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”). Madison Bancorp is also subject to the rules and regulations of the Securities and Exchange Commission under the federal securities laws.

 

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The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”) made extensive changes to the regulation of the Bank and the Company. Under the Dodd-Frank Act, the Office of Thrift Supervision was eliminated and responsibility for the supervision and regulation of federal savings associations was transferred to the Office of the Comptroller of the Currency on July 21, 2011. At the same time, the responsibility for supervising savings and loan holding companies, like Madison Bancorp, was transferred to the Federal Reserve Board. Additionally, the Dodd-Frank Act created a new agency, the Consumer Financial Protection Bureau, as an independent bureau of the Federal Reserve Board, to take over implementation of federal consumer financial protection and fair lending laws from depository institution regulators. However, institutions of $10 billion or fewer in assets, like the Bank, will continue to be examined for compliance with consumer protection and fair lending laws and regulations by, and be subject to the enforcement authority of, the prudential regulator rather than the Consumer Financial Protection Bureau. Many of the provisions of the Dodd-Frank Act require the issuance of regulations before their impact on operations can be fully assessed by management. However, there is a significant possibility that the Dodd-Frank Act will, at a minimum, result in increased regulatory burden and compliance costs for the Bank and the Company.

 

Regulation of Federal Savings Banks

 

Business Activities. Federal law and regulations, primarily the Home Owners’ Loan Act and the regulations of the Office of the Comptroller of the Currency, govern the activities of federal savings banks, such as Madison Square Federal Savings Bank. These laws and regulations delineate the nature and extent of the activities in which federal savings banks may engage. In particular, certain lending authority for federal savings banks, e.g., commercial, nonresidential real property loans and consumer loans, is limited to a specified percentage of the institution’s capital or assets.

 

Branching. Federal savings banks are authorized to establish branch offices in any state or states of the United States and its territories, subject to the approval of the Office of the Comptroller of the Currency.

 

Capital Requirements. The Office of the Comptroller of the Currency’s capital regulations require federal savings institutions to meet three minimum capital standards: a 1.5% tangible capital to total assets ratio, a 4% leverage ratio (3% for institutions receiving the highest rating on the CAMELS examination rating system) and an 8% risk-based capital ratio. In addition, the prompt corrective action standards discussed below establish, in effect, a minimum 2% tangible capital standard, a 4% leverage ratio (3% for institutions receiving the highest rating on the CAMELS system) and, together with the risk-based capital standard itself, a 4% Tier 1 risk-based capital standard. The Office of the Comptroller of the Currency regulations also require that, in meeting the tangible, leverage and risk-based capital standards, institutions must generally deduct investments in and loans to subsidiaries engaged in activities as principal that are not permissible for national banks.

 

The risk-based capital standard requires federal savings institutions to maintain Tier 1 (core) and total capital (which is defined as core capital and supplementary capital less certain specified deductions from total capital such as reciprocal holdings of depository institution capital instruments and equity investments) to risk-weighted assets of at least 4% and 8%, respectively. In determining the amount of risk-weighted assets, all assets, including certain off-balance sheet activities, recourse obligations, residual interests and direct credit substitutes, are multiplied by a risk-weight factor of 0% to 100% assigned by the Office of the Comptroller of the Currency capital regulation based on the risks believed inherent in the type of asset. Core (Tier 1) capital is defined as common stockholders’ equity (including retained earnings), certain noncumulative perpetual preferred stock and related surplus and minority interests in equity accounts of consolidated subsidiaries, less intangibles other than certain mortgage servicing rights and credit card relationships. The components of supplementary (Tier 2) capital currently include cumulative preferred stock, long-term perpetual preferred stock, mandatory convertible securities, subordinated debt and intermediate preferred stock, the allowance for loan and lease losses limited to a maximum of 1.25% of risk-weighted assets and up to 45% of unrealized gains on available-for-sale equity securities with readily determinable fair market values. Overall, the amount of supplementary capital included as part of total capital cannot exceed 100% of core capital.

 

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The Office of the Comptroller of the Currency also has authority to establish individual minimum capital requirements in appropriate cases upon a determination that an institution’s capital level is or may become inadequate in light of the particular circumstances. At March 31, 2013, Madison Square Federal Savings Bank met each of these capital requirements. See note 11 of the notes to audited consolidated financial statements included in this Annual Report on Form 10-K.

 

The current risk-based capital guidelines that apply to the Bank are based on the 1988 capital accord of the International Basel Committee on Banking Supervision (“Basel Committee”), a committee of central banks and bank supervisors, as implemented by the Federal Reserve Board. In 2004, the Basel Committee published a new capital accord, which is referred to as “Basel II,” to replace Basel I. Basel II provides two approaches for setting capital standards for credit risk: an internal ratings-based approach tailored to individual institutions' circumstances and a standardized approach that bases risk weightings on external credit assessments to a much greater extent than permitted in existing risk-based capital guidelines, which became effective in 2008 for large international banks (total assets of $250 billion or more or consolidated foreign exposure of $10 billion or more). Other U.S. banking organizations can elect to adopt the requirements of this rule (if they meet applicable qualification requirements), but they are not required to apply them. Basel II emphasizes internal assessment of credit, market and operational risk, as well as supervisory assessment and market discipline in determining minimum capital requirements.

 

In December 2010 and January 2011, the Basel Committee published the final texts of reforms on capital and liquidity, which is referred to as “Basel III.” Although Basel III is intended to be implemented by participating countries for large, internationally active banks, its provisions are likely to be considered by United States banking regulators in developing new regulations applicable to other banks in the United States. Basel III will require bank holding companies and their bank subsidiaries to maintain substantially more capital, with a greater emphasis on common equity. The implementation of the Basel III final framework was to occur on January 1, 2013. The Federal Reserve and other government agencies responsible for implementing the Basel III framework announced in November 2012 that the originally proposed timeframe for the implementation of the rules was not achievable. No new deadline has been proposed. On January 1, 2013, banking institutions were going to be required to meet the following minimum capital ratios: (i) 3.5% Common Equity Tier 1 (generally consisting of common shares and retained earnings) to risk-weighted assets; (ii) 4.5% Tier 1 capital to risk-weighted assets; and (iii) 8.0% Total capital to risk-weighted assets.

 

When fully phased-in on January 1, 2019, and if implemented by the U.S. banking agencies, Basel III would require banks to maintain:

 

• a minimum ratio of Common Equity Tier 1 to risk-weighted assets of at least 4.5%, plus a 2.5% “capital conservation buffer,”

 

• a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer,

 

• a minimum ratio of Total capital to risk-weighted assets of at least 8.0%, plus the capital conservation buffer, and

 

• a minimum leverage ratio of 3%, calculated as the ratio of Tier 1 capital to balance sheet exposures plus certain off-balance sheet exposures.

 

Basel III also includes the following significant provisions:

 

• An additional countercyclical capital buffer to be imposed by applicable national banking regulators periodically at their discretion, with advance notice.

 

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• Restrictions on capital distributions and discretionary bonuses applicable when capital ratios fall within the buffer zone.

 

• Deduction from common equity of deferred tax assets that depend on future profitability to be realized.

 

• For capital instruments issued on or after January 13, 2013 (other than common equity), a loss-absorbency requirement that the instrument must be written off or converted to common equity if a triggering event occurs, either pursuant to applicable law or at the direction of the banking regulator. A triggering event is an event that would cause the banking organization to become nonviable without the write off or conversion, or without an injection of capital from the public sector.

 

Since the Basel III framework is not self-executing, the rules and standards promulgated under Basel III require that the U.S. federal banking regulators adopt them prior to becoming effective in the U.S. Although U.S. federal banking regulators have expressed support for Basel III, the timing and scope of its implementation, as well as any potential modifications or adjustments that may result during the implementation process, are not yet known.

 

Prompt Corrective Regulatory Action. The Office of the Comptroller of the Currency is required to take certain supervisory actions against undercapitalized savings institutions, the severity of which depends upon the institution’s degree of undercapitalization. Generally, a savings institution that has a ratio of total capital to risk-weighted assets of less than 8%, a ratio of Tier 1 (core) capital to risk-weighted assets of less than 4% or a ratio of core capital to total assets of less than 4% (3% or less for institutions with the highest examination rating) is considered to be “undercapitalized.” A savings institution that has a total risk-based capital ratio of less than 6%, a Tier 1 capital ratio of less than 3% or a leverage ratio that is less than 3% is considered to be “significantly undercapitalized” and a savings institution that has a tangible capital to assets ratio equal to or less than 2% is deemed to be “critically undercapitalized.” Subject to a narrow exception, the Office of the Comptroller of the Currency is required to appoint a receiver or conservator within specified time frames for an institution that is

“critically undercapitalized.” An institution must file a capital restoration plan with the Office of the Comptroller of the Currency within 45 days of the date it receives notice that it is “undercapitalized,” “significantly undercapitalized” or “critically undercapitalized.” Compliance with the plan must be guaranteed by any parent holding company in the amount of the lesser of 5% of the association’s total assets when it became undercapitalized or the amount necessary to achieve full compliance at the time the association first failed to comply. In addition, numerous mandatory supervisory actions become immediately applicable to an undercapitalized institution, including, but not limited to, increased monitoring by regulators and restrictions on growth, capital distributions and expansion. “Significantly undercapitalized” and “critically undercapitalized” institutions are subject to more extensive mandatory regulatory actions. The Office of the Comptroller of the Currency could also take any one of a number of discretionary supervisory actions, including the issuance of a capital directive and the replacement of senior executive officers and directors.

 

Loans to One Borrower. Federal law provides that savings institutions are generally subject to the limits on loans to one borrower applicable to national banks. Generally, subject to certain exceptions, a savings institution may not make a loan or extend credit to a single or related group of borrowers in excess of 15% of its unimpaired capital and surplus. An additional amount may be lent, equal to 10% of unimpaired capital and surplus, if secured by specified readily-marketable collateral.

 

Standards for Safety and Soundness. As required by statute, the federal banking agencies have adopted Interagency Guidelines Establishing Standards for Safety and Soundness. The guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired. If the Office of the Comptroller of the Currency determines that a savings institution fails to meet any standard prescribed by the guidelines, the Office of the Comptroller of the Currency may require the institution to submit an acceptable plan to achieve compliance with the standard.

 

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Limitation on Capital Distributions. Federal regulations impose limitations upon all capital distributions by a savings institution, including cash dividends, payments to repurchase its shares, payments to shareholders of another institution in a cash-out merger and other transactions charged to the capital account. Under the regulations, an application to and the prior approval of the Office of the Comptroller of the Currency is required before any capital distribution if the institution does not meet the criteria for “expedited treatment” of applications under Office of the Comptroller of the Currency regulations (i.e., generally, examination and Community Reinvestment Act ratings in the two top categories), the total capital distributions for the calendar year exceed net income for that year plus the amount of retained net income for the preceding two years, the institution would be undercapitalized following the distribution or the distribution would otherwise be contrary to a statute, regulation or agreement with the Office of the Comptroller of the Currency. If an application is not required, the institution must still provide prior notice to the Office of the Comptroller of the Currency of the capital distribution if it is a subsidiary of a holding company. If Madison Square Federal Savings Bank’s capital were ever to fall below its regulatory requirements or the Office of the Comptroller of the Currency notified it that it was in need of increased supervision, its ability to make capital distributions could be restricted. In addition, the Office of the Comptroller of the Currency could prohibit a proposed capital distribution that would otherwise be permitted by the regulation, if the agency determines that such distribution would constitute an unsafe or unsound practice.

 

Qualified Thrift Lender Test. Federal law requires savings institutions to meet a qualified thrift lender test. Under the test, a savings institution is required to either qualify as a “domestic building and loan association” under the Internal Revenue Code or maintain at least 65% of its “portfolio assets” (total assets less: (i) specified liquid assets up to 20% of total assets; (ii) intangibles, including goodwill; and (iii) the value of property used to conduct business) in certain “qualified thrift investments” (primarily multi-family residential mortgages and related investments, including certain mortgage-backed securities, but also including education, credit card and small business loans) in at least nine months out of each 12-month period.

 

A savings institution that fails the qualified thrift lender test is subject to certain operating restrictions. The Dodd-Frank Act also specifies that failing the qualified thrift lender test is a violation of law that could result in an enforcement action and dividend limitations and may lead to a conversion to a bank charter. As of March 31, 2013, Madison Square Federal Savings Bank maintained 79.27% of its portfolio assets in qualified thrift investments and, therefore, met the qualified thrift lender test.

 

Transactions with Related Parties. Madison Square Federal Savings Bank’s authority to engage in transactions with “affiliates” is limited by Office of the Comptroller of the Currency regulations and Sections 23A and 23B of the Federal Reserve Act as implemented by the Federal Reserve Board’s Regulation W. The term “affiliates” for these purposes generally means any entity that controls or is under common control with Madison Square Federal Savings Bank, including the Company and its other subsidiary. In general, transactions with affiliates must be on terms that are as favorable to the institution as comparable transactions with non-affiliates. In addition, certain types of transactions are restricted to 10% of an institution’s capital and surplus with any one affiliate and 20% of capital and surplus with all affiliates. The purchase of low quality assets from affiliates is generally prohibited. Collateral in specified amounts must usually be provided by affiliates in order to receive loans from an institution. In addition, savings institutions are prohibited from lending to any affiliate that is engaged in activities that are not permissible for bank holding companies and no savings institution may purchase the securities of any affiliate other than a subsidiary.

 

The Sarbanes-Oxley Act of 2002 generally prohibits a company from making loans to its executive officers and directors. However, that act contains a specific exception for loans by a depository institution to its executive officers and directors in compliance with federal banking laws. Under such laws, Madison Square Federal Savings Bank’s authority to extend credit to executive officers, directors and 10% stockholders (“insiders”), as well as entities such persons control, is limited. The law restricts both the individual and aggregate amount of loans Madison Square Federal Savings Bank may make to insiders based, in part, on Madison Square Federal Savings Bank’s capital position and requires certain board approval procedures to be followed. Such loans must be made on terms substantially the same as those offered to unaffiliated individuals and not involve more than the normal risk of repayment. There is an exception for loans made pursuant to a benefit or compensation program that is widely available to all employees of the institution and does not give preference to insiders over other employees. There are additional restrictions applicable to loans to executive officers.

 

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Enforcement. The Office of the Comptroller of the Currency has primary enforcement responsibility over federal savings institutions and has the authority to bring actions against the institution and all institution-affiliated parties, including stockholders, and any attorneys, appraisers and accountants who knowingly or recklessly participate in wrongful action likely to have an adverse effect on an insured institution. Formal enforcement action may range from the issuance of a capital directive or cease and desist order to removal of officers and/or directors to institution of receivership, conservatorship or termination of deposit insurance. Civil penalties cover a wide range of violations and can amount to $25,000 per day, or even $1 million per day in especially egregious cases. The Federal Deposit Insurance Corporation has authority to recommend to the Director of the Office of the Comptroller of the Currency that enforcement action be taken with respect to a particular savings institution. If action is not taken by the Director of the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation has authority to take such action under certain circumstances. Federal law also establishes criminal penalties for certain violations.

 

Assessments. Federal savings banks are required to pay assessments to the Office of the Comptroller of the Currency to fund its operations. The general assessments, paid on a semi-annual basis, are based upon the savings institution’s total assets, including consolidated subsidiaries, as reported in the institution’s latest quarterly thrift financial report, the institution’s financial condition and the complexity of its asset portfolio. The Bank’s assessment for fiscal year ended March 31, 2013 was $62,742.

 

Insurance of Deposit Accounts. Madison Square Federal Savings Bank’s deposits are insured up to applicable limits, by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation. Under the Federal Deposit Insurance Corporation’s risk-based assessment system, insured institutions are assigned to one of four risk categories based on supervisory evaluations, regulatory capital levels and certain other factors, with less risky institutions paying lower assessments. An institution’s assessment rate depends upon the category to which it is assigned. The initial base assessment rates range from five to 35 basis points. The rate schedules will automatically adjust in the future when the Deposit Insurance Fund reaches certain milestones. No institution may pay a dividend if in default of the federal deposit insurance assessment.

 

In February 2011, the FDIC adopted new rules that amend its current deposit insurance assessment regulations. The new rules implement a provision in the Dodd-Frank Act that changed the assessment base for deposit insurance premiums from one based on domestic deposits to one based on average consolidated total assets minus average tangible equity.

 

The Federal Deposit Insurance Corporation imposed on all insured institutions a special emergency assessment of five basis points of total assets minus Tier 1 capital as of June 30, 2009 (capped at ten basis points of an institution’s deposit assessment base) in order to cover losses to the Deposit Insurance Fund. In lieu of further special assessments, the Federal Deposit Insurance Corporation required insured institutions to prepay estimated quarterly risk-based assessments for the fourth quarter of 2009 through the fourth quarter of 2012. The estimated assessments, which include an assumed annual assessment base increase of 5%, were recorded as a prepaid expense asset as of December 31, 2009. As of December 31, 2009, and each quarter thereafter, a charge to earnings was recorded for each regular assessment with an offsetting credit to the prepaid asset.

 

Due to the difficult economic conditions, deposit insurance per account owner was raised to $250,000 and that limit has been made permanent by the Dodd-Frank Act. In addition, the Federal Deposit Insurance Corporation adopted an optional Temporary Liquidity Guarantee Program by which, for a fee, noninterest-bearing transaction accounts would receive unlimited insurance coverage until December 31, 2010, and certain senior unsecured debt issued by institutions and their holding companies between October 13, 2008 and June 30, 2010 would be guaranteed by the Federal Deposit Insurance Corporation through June 30, 2012, or in some cases, December 31, 2012. The Bank opted to participate in the unlimited noninterest-bearing transaction account coverage and in the unsecured debt guarantee program. The Dodd-Frank Act extended the unlimited coverage for certain noninterest-bearing transaction accounts through December 31, 2012.

 

In addition to the assessment for deposit insurance, institutions are required to make payments on bonds issued in the late 1980s by the Financing Corporation to recapitalize a predecessor deposit insurance fund. That payment is established quarterly and during the four quarters ended March 31, 2013 averaged 0.65 of a basis point of assessable deposits.

 

The Dodd-Frank Act increased the minimum target Deposit Insurance Fund ratio from 1.15% of estimated insured deposits to 1.35% of estimated insured deposits. The Federal Deposit Insurance Corporation must seek to achieve the 1.35% ratio by September 30, 2020. Insured institutions with assets of $10 billion or more are supposed to fund the increase. The Dodd-Frank Act eliminated the 1.5% maximum fund ratio, instead leaving it to the discretion of the Federal Deposit Insurance Corporation.

 

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Insurance of deposits may be terminated by the Federal Deposit Insurance Corporation upon a finding that the institution has engaged in unsafe or unsound practices, is in an unsafe or unsound condition to continue operations or has violated any applicable law, regulation, rule, order or condition imposed by the Federal Deposit Insurance Corporation or the Office of the Comptroller of the Currency. The management of the Bank does not know of any practice, condition or violation that might lead to termination of deposit insurance.

 

Federal Home Loan Bank System. Madison Square Federal Savings Bank is a member of the Federal Home Loan Bank System, which consists of twelve regional Federal Home Loan Banks. The Federal Home Loan Bank provides a central credit facility primarily for member institutions. Madison Square Federal Savings Bank, as a member of the Federal Home Loan Bank of Atlanta, is required to acquire and hold shares of capital stock in that Federal Home Loan Bank. At March 31, 2013, Madison Square Federal Savings Bank complied with this requirement with an investment in Federal Home Loan Bank stock of $181,800.

 

Community Reinvestment Act. Under the Community Reinvestment Act, as implemented by Office of the Comptroller of the Currency regulations, every Federal Deposit Insurance Corporation-insured savings institution has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The Community Reinvestment Act does not establish specific lending requirements or programs for financial institutions nor does it limit an institution’s discretion to develop the types of products and services that it believes are best suited to its particular community, consistent with the Community Reinvestment Act. The Community Reinvestment Act requires the Office of the Comptroller of the Currency, in connection with its examination of a savings institution, to assess the institution’s record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by such institution.

 

The Community Reinvestment Act requires public disclosure of an institution’s rating and requires the Office of the Comptroller of the Currency to provide a written evaluation of an institution’s Community Reinvestment Act performance utilizing a four-tiered descriptive rating system.

 

Madison Square Federal Savings Bank received a “satisfactory” rating as a result of its most recent Community Reinvestment Act assessment.

 

Other Regulations

 

Interest and other charges collected or contracted for by Madison Square Federal Savings Bank are subject to state usury laws and federal laws concerning interest rates. Madison Square Federal Savings Bank’s operations are also subject to federal laws applicable to credit transactions, such as the:

 

·Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;

 

·Home Mortgage Disclosure Act of 1975, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;

 

·Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed or other prohibited factors in extending credit;

 

·Fair Credit Reporting Act of 1978, governing the use and provision of information to credit reporting agencies;

 

·Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies; and

 

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·Rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws.

 

The operations of Madison Square Federal Savings Bank also are subject to the:

 

·Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;

 

·Electronic Funds Transfer Act and Regulation E promulgated thereunder, which governs automatic deposits to and withdrawals from deposit accounts and customers’ rights and liabilities arising from the use of automated teller machines and other electronic banking services;

 

·Check Clearing for the 21st Century Act (also known as “Check 21”), which gives “substitute checks,” such as digital check images and copies made from that image, the same legal standing as the original paper check;

 

·Title III of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (referred to as the “USA PATRIOT Act”), which significantly expands the responsibilities of financial institutions, including savings and loan associations, in preventing the use of the U.S. financial system to fund terrorist activities. Among other provisions, it requires financial institutions operating in the United States to develop new anti-money laundering compliance programs, due diligence policies and controls to ensure the detection and reporting of money laundering. Such required compliance programs are intended to supplement existing compliance requirements, also applicable to financial institutions, under the Bank Secrecy Act and the Office of Foreign Assets Control Regulations; and

 

·The Gramm-Leach-Bliley Act places limitations on the sharing of consumer financial information with unaffiliated third parties. Specifically, the Gramm-Leach-Bliley Act requires all financial institutions offering financial products or services to retail customers to provide such customers with the financial institution’s privacy policy and provide such customers the opportunity to “opt out” of the sharing of personal financial information with unaffiliated third parties.

 

Federal Reserve System

 

The Federal Reserve Board regulations require savings institutions to maintain non-interest earning reserves against their transaction accounts (primarily Negotiable Order of Withdrawal (“NOW”), Super NOW and regular checking accounts). The regulations generally provide that reserves be maintained against aggregate transaction accounts as follows: a 3% reserve ratio is assessed on net transaction accounts up to and including $79.5 million; a 10% reserve ratio is applied above $79.5 million. The first $12.4 million of otherwise reservable balances (subject to adjustments by the Federal Reserve Board) are exempted from the reserve requirements. The amounts are adjusted annually. Madison Square Federal Savings Bank complies with the foregoing requirements.

 

Holding Company Regulation

 

General. Madison Bancorp is a unitary savings and loan holding company and is subject to Federal Reserve Board regulations, examinations, supervision, reporting requirements and regulations regarding its activities. In addition, the Federal Reserve Board will have enforcement authority over the Company and its non-savings institution subsidiaries. Among other things, this authority permits the Federal Reserve Board to restrict or prohibit activities that are determined to be a serious risk to the Bank.

 

Pursuant to federal law and regulations and policy, a savings and loan holding company such as Madison Bancorp may generally engage in the activities permitted for financial holding companies under Section 4(k) of the Bank Holding Company Act and certain other activities that have been authorized for savings and loan holding companies by regulation.

 

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Federal law prohibits a savings and loan holding company from, directly or indirectly or through one or more subsidiaries, acquiring more than 5% of the voting stock of another savings association, or savings and loan holding company, without prior written approval of the Federal Reserve Board or from acquiring or retaining, with certain exceptions, more than 5% of a non-subsidiary holding company or savings association. A savings and loan holding company is also prohibited from acquiring more than 5% of a company engaged in activities other than those authorized by federal law or acquiring or retaining control of a depository institution that is not insured by the Federal Deposit Insurance Corporation. In evaluating applications by holding companies to acquire savings associations, the Federal Reserve Board must consider the financial and managerial resources and future prospects of the company and institution involved, the effect of the acquisition on the risk to the insurance funds, the convenience and needs of the community and competitive factors.

 

The Federal Reserve Board is prohibited from approving any acquisition that would result in a multiple savings and loan holding company controlling savings associations in more than one state, except: (1) the approval of interstate supervisory acquisitions by savings and loan holding companies; and (2) the acquisition of a savings association in another state if the laws of the state of the target savings association specifically permit such acquisitions. The states vary in the extent to which they permit interstate savings and loan holding company acquisitions.

 

Capital. Savings and loan holding companies are not currently subject to specific regulatory capital requirements. The Dodd-Frank Act, however, requires the Federal Reserve Board to promulgate consolidated capital requirements for depository institution holding companies that are no less stringent, both quantitatively and in terms of components of capital, than those applicable to institutions themselves. That will eliminate the inclusion of certain instruments, such as trust preferred securities, from Tier 1 capital. Instruments issued prior to May 19, 2010 will be grandfathered for companies with consolidated assets of $15 billion or less. There is a five-year transition period from the July 21, 2010 date of enactment of the Dodd-Frank Act before the capital requirements will apply to savings and loan holding companies. However, under the most recent Notice of Proposed Rulemaking issued by the Federal Reserve Board, savings and loan holding companies are subject to regulatory capital requirements before the end of the five-year period.

 

Source of Strength. The Dodd-Frank Act also extends the “source of strength” doctrine to savings and loan holding companies. The regulatory agencies must promulgate regulations implementing the “source of strength” policy that holding companies act as a source of strength to their subsidiary depository institutions by providing capital, liquidity and other support in times of financial stress.

 

Federal savings associations must notify the Federal Reserve Board prior to paying a dividend to Madison Bancorp. The Federal Reserve Board may disapprove a dividend if, among other things, the Federal Reserve Board determines that the federal savings association would be undercapitalized on a pro forma basis or the dividend is determined to raise safety or soundness concerns.

 

Acquisition of Control. Under the federal Change in Bank Control Act, a notice must be submitted to the Federal Reserve Board if any person (including a company), or group acting in concert, seeks to acquire direct or indirect “control” of a savings and loan holding company or savings institution. Under certain circumstances, a change of control may occur, and prior notice is required, upon the acquisition of 10% or more of the outstanding voting stock of the company or institution, unless the Federal Reserve Board has found the acquisition will not result in a change of control. Under the Change in Bank Control Act, the Federal Reserve Board generally has 60 days from the filing of a complete notice to act, taking into consideration certain factors, including the financial and managerial resources of the acquirer and the anti-trust effects of the acquisition. Any company that so acquires control would then be subject to regulation as a savings and loan holding company.

 

Federal Income Taxation

 

General. We report our income on a fiscal year basis using the accrual method of accounting. The federal income tax laws apply to us in the same manner as to other corporations with some exceptions, including particularly our reserve for bad debts discussed below. The following discussion of tax matters is intended only as a summary and does not purport to be a comprehensive description of the tax rules applicable to us. Our federal income tax returns have not been audited during the last five years. For its 2012 and 2011 fiscal years, the Company’s maximum statutory federal income tax rate was 34%, although we did not pay taxes for those years because we incurred a net loss for the years, or applied a net operating loss carryforward to net taxable income. For future years where we are able to generate net income, we expect to be able to use net operating losses to offset income and thereby reduce our effective tax rate. We had approximately $643,000 of net operating loss carryforwards at March 31, 2013 which expire in 2030 and 2031, and a capital loss carryforward of approximately $495,000, which expires in 2014.

 

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The Company and the Bank have entered into a tax allocation agreement. Because the Company owns 100% of the issued and outstanding capital stock of the Bank, the Company and the Bank will be members of an affiliated group within the meaning of Section 1504(a) of the Internal Revenue Code, of which group the Company will be the common parent corporation. As a result of this affiliation, the Bank may be included in the filing of a consolidated federal income tax return with the Company and, if a decision to file a consolidated tax return is made, the parties agree to compensate each other for their individual share of the consolidated tax liability and/or any tax benefits provided by them in the filing of the consolidated federal income tax return.

 

Bad Debt Reserves. For fiscal years beginning before June 30, 1996, thrift institutions that qualified under certain definitional tests and other conditions of the Internal Revenue Code were permitted to use certain favorable provisions to calculate their deductions from taxable income for annual additions to their bad debt reserve. A reserve could be established for bad debts on qualifying real property loans, generally secured by interests in real property improved or to be improved, under the percentage of taxable income method or the experience method. The reserve for nonqualifying loans was computed using the experience method. Federal legislation enacted in 1996 repealed the reserve method of accounting for bad debts and the percentage of taxable income method for tax years beginning after 1995 and require savings institutions to recapture or take into income certain portions of their accumulated bad debt reserves.

 

Distributions. If the Bank makes “non-dividend distributions” to the Company, the distributions will be considered to have been made from the Bank’s unrecaptured tax bad debt reserves, including the balance of its reserves as of December 31, 1987, to the extent of the “non-dividend distributions,” and then from the Bank’s supplemental reserve for losses on loans, to the extent of those reserves, and an amount based on the amount distributed, but not more than the amount of those reserves, will be included in the Bank’s taxable income. Non-dividend distributions include distributions in excess of the Bank’s current and accumulated earnings and profits, as calculated for federal income tax purposes, distributions in redemption of stock, and distributions in partial or complete liquidation. Dividends paid out of the Bank’s current or accumulated earnings and profits will not be included in the Bank’s taxable income.

 

The amount of additional taxable income triggered by a non-dividend is an amount that, when reduced by the tax attributable to the income, is equal to the amount of the distribution. Therefore, if the Bank makes a non-dividend distribution to the Company, approximately one and one-half times the amount of the distribution not in excess of the amount of the reserves would be includable in income for federal income tax purposes, assuming a 34% federal corporate income tax rate. Madison Square Federal Savings Bank does not intend to pay dividends that would result in a recapture of any portion of its bad debt reserves.

 

State Taxation

 

The state of Maryland imposes an income tax of approximately 8.25% on income measured substantially the same as federally taxable income. The state of Maryland currently assesses a personal property tax for December 2000 and forward.

 

Item 1A. Risk Factors

 

We have had low profits and losses in recent years, and if we cannot increase our income to competitive levels, our stock price may be adversely affected.

 

Our income for the year ended March 31, 2013 was $213,653, our return on average assets was 0.14%, and our return on average equity was 1.49%. While we did operate at a profit for the year ended March 31, 2013, we have had losses in recent years, including net losses of $10,500, $57,000 and $855,000 for the years ended March 31, 2012, 2011 and 2010, respectively. Our return on average assets was (0.01)%, (0.04)% and (0.59)% for the years ended March 31, 2012, 2011 and 2010, respectively, and our return on average equity was (0.08)%, (0.50)% and (9.17)% for the years ended March 31, 2012, 2011 and 2010, respectively. We have identified various strategic initiatives which we are pursuing in our efforts to overcome these challenges and improve earnings. These strategic initiatives include the following:

 

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·building on our strengths as a community-oriented financial institution;

 

·moderating growth of our balance sheet while still increasing commercial real estate and commercial business loans;

 

·emphasizing lower cost core deposits to maintain low funding costs;

 

·controlling noninterest expenses;

 

·expanding our market share within our primary market area.

 

For a detailed description of our strategic initiatives to improve earnings, see “Management’s Discussion and Analysis of Financial Condition and Results of Operations—Operating Strategy.” However, our strategic initiatives may not succeed in generating and increasing income. If we are unable to generate or increase income, our stock price may be adversely affected. Moreover, even if we are successful in generating net income, our earnings may be low for some time. In such event, our return on equity, which equals net income divided by average equity, may be below returns on equity achieved by peer institutions, which also could adversely affect our stock price.

 

Our increased emphasis on commercial real estate and commercial lending may expose us to increased lending risks.

 

In recent years we have significantly increased our emphasis on commercial real estate and commercial lending. Commercial real estate loans increased from $10.6 million, or 11.8% of our total loans, at March 31, 2009 to $14.6 million, or 17.3% of our total loans, at March 31, 2013. Commercial loans increased from $3.1 million, or 3.5% of our total loans, at March 31, 2009 to $4.1 million, or 4.9% of our total loans, at March 31, 2013. Moreover, as part of our strategy to increase earnings, we will seek to continue to increase commercial real estate lending, as well as commercial lending, and intend to add commercial lending personnel to assist us in these efforts. These types of loans generally expose a lender to greater risk of nonpayment and loss than single-family residential mortgage loans because repayment of the loans often depends on the successful operation of the property and the income stream of the borrowers and, for commercial construction loans, the accuracy of the estimate of the property’s value at completion of construction and the estimated cost of construction. Such loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to single-family residential mortgage loans. Commercial business loans expose us to additional risks since they typically are made on the basis of the borrower’s ability to make repayments from the cash flow of the borrower’s business and are secured by nonreal estate collateral that may depreciate over time. In addition, since such loans generally entail greater risk than single-family residential mortgage loans, we may need to increase our allowance for loan losses in the future associated with the growth of such loans. Also, many of our commercial and construction borrowers have more than one loan outstanding with us. Consequently, an adverse development with respect to one loan or one credit relationship can expose us to a significantly greater risk of loss compared to an adverse development with respect to a single-family residential mortgage loan. In addition, because of the increases in commercial real estate and commercial loans in recent years, much of our portfolio of these types of loans is unseasoned, although many of these loans are to borrowers we know well and with whom we have other borrowing or deposit relationships.

 

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Significant loan losses could require us to increase our allowance for loan losses through a charge to earnings.

 

When we loan money, we incur the risk that our borrowers will not repay their loans. We provide for loan losses by establishing an allowance through a charge to earnings. The amount of this allowance is based on our assessment of loan losses inherent in our loan portfolio. The process for determining the amount of the allowance is critical to our financial condition and results of operations. It requires subjective and complex judgments about the future, including forecasts of economic or market conditions that might impair the ability of our borrowers to repay their loans. We might underestimate the loan losses inherent in our loan portfolio and have loan losses in excess of the amount recorded in our allowance for loan losses. We might increase the allowance because of changing economic conditions. For example, in a rising interest rate environment, borrowers with adjustable-rate loans could see their payments increase. There may be a significant increase in the number of borrowers who are unable or unwilling to repay their loans, resulting in our charging off more loans and increasing our allowance. In addition, when real estate values decline, the potential severity of loss on a real estate-secured loan can increase significantly, especially in the case of loans with high combined loan-to-value ratios. The recent decline in the national economy and the local economies of the areas in which the loans are concentrated could result in an increase in loan delinquencies, foreclosures or repossessions resulting in increased charge-off amounts and the need for additional loan loss allowances in future periods. In addition, our determination as to the amount of our allowance for loan losses is subject to review by our primary regulator, the Office of the Comptroller of the Currency, as part of its examination process, which may result in the establishment of an additional allowance based upon the judgment of the Office of the Comptroller of the Currency after a review of the information available at the time of its examination. Our allowance for loan losses amounted to $909,488, or 1.08% of total loans outstanding and 128.59% of nonperforming loans, at March 31, 2013. Our allowance for loan losses at March 31, 2013 may not be sufficient to cover future loan losses. A large loss could deplete the allowance and require increased provisions to replenish the allowance, which would decrease our earnings. In addition, at March 31, 2013, we had 3 loan relationships with outstanding balances, net of participation interests sold, that exceeded $1.0 million, all of which were performing according to their original terms. However, the deterioration of one or more of these loans could result in a significant increase in our non-performing loans and our provision for loan losses, which would negatively impact our results of operations.

 

If we conclude that the decline in value of any of our investment securities is other than temporary, we are required to write down the value of that security through a charge to earnings.

 

We review our investment securities portfolio at each quarter-end reporting period to determine whether the fair value is below the current carrying value. When the fair value of any of our investment securities has declined below its carrying value, we are required to assess whether the decline is other than temporary. If we conclude that the decline is other than temporary, we are required to write down the value of that security through a charge to earnings. Changes in the expected cash flows of these securities and/or prolonged price declines may result in our concluding in future periods that the impairment of these securities is other than temporary, which would require a charge to earnings to write down theses securities to their fair value. Any charges for other than temporary impairment would not impact cash flow, tangible capital or liquidity.

 

The loss of senior management could hurt our operations.

 

We rely heavily on our executive officers, Michael Gavin, David Wallace, Ronald Ballard, Melody Kline and Kay Webster. The loss of one or more members of senior management could have an adverse effect on us because, as a small community bank, our senior executive officers have more responsibility than would be typical at a larger financial institution with more employees. In addition, as a small community bank, we have fewer management-level personnel who are in a position to assume the responsibilities of our senior executive officers. We have purchased key man life insurance for Mr. Wallace only.

 

Continued turmoil in the financial markets could have an adverse effect on our financial position or results of operations.

 

Beginning in 2008, United States and global financial markets experienced severe disruption and volatility, and general economic conditions have declined significantly. Adverse developments in credit quality, asset values and revenue opportunities throughout the financial services industry, as well as general uncertainty regarding the economic, industry and regulatory environment, have had a negative impact on the industry. The United States and the governments of other countries have taken steps to try to stabilize the financial system, including investing in financial institutions, and have implemented programs intended to improve general economic conditions. The U.S. Department of the Treasury created the Capital Purchase Program under the Troubled Asset Relief Program, pursuant to which the Treasury Department provided additional capital to participating financial institutions through the purchase of preferred stock or other securities. Other measures include homeowner relief that encourages loan restructuring and modification; the establishment of significant liquidity and credit facilities for financial institutions and investment banks; the lowering of the federal funds rate; regulatory action against short selling practices; a temporary guaranty program for money market funds; the establishment of a commercial paper funding facility to provide back-stop liquidity to commercial paper issuers; and coordinated international efforts to address illiquidity and other weaknesses in the banking sector. Notwithstanding the actions of the United States and other governments, there can be no assurance that these efforts will be successful in restoring industry, economic or market conditions to their previous levels and that they will not result in adverse unintended consequences. Factors that could continue to pressure financial services companies, including Madison Bancorp, are numerous and include:

 

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·         worsening credit quality, leading among other things to increases in loan losses and reserves,

 

·         continued or worsening disruption and volatility in financial markets, leading among other things to continuing reductions in asset values,

 

·         capital and liquidity concerns regarding financial institutions generally,

 

·         limitations resulting from or imposed in connection with governmental actions intended to stabilize or provide additional regulation of the financial system, or

 

·         recessionary conditions that are deeper or last longer than currently anticipated.

 

The recent economic downturn could result in increases in our level of nonperforming loans and/or reduce demand for our products and services which would lead to lower revenue, higher loan losses and lower earnings.

 

Our business activities and earnings are affected by general business conditions in the United States and in our primary market area. These conditions include short-term and long-term interest rates, inflation, unemployment levels, monetary supply, consumer confidence and spending, fluctuations in both debt and equity capital markets and the strength of the economy in the United States, generally, and in our primary market area in particular. Recently, the national economy has experienced a general downturn, with rising unemployment levels, declines in real estate values and an erosion of consumer confidence. These economic conditions also had a negative impact on our primary market area. In addition, our primary market area has experienced a softening of the local real estate market, including reductions in local property values, and a decline in the local manufacturing industry, which employs many of our borrowers. A prolonged or more severe economic downturn, continued elevated levels of unemployment, further declines in the values of real estate, or other events that affect household and/or corporate incomes could impair the ability of our borrowers to repay their loans in accordance with their terms. Nearly all of our loans are secured by real estate or made to businesses in our primary market area, which consists of Baltimore and Harford Counties and Baltimore City in Maryland and the surrounding areas. As a result of this concentration, a prolonged or more severe downturn in the local economy could result in significant increases in non-performing loans which would negatively impact our interest income and result in higher provisions for loan losses, causing a decrease in earnings. The economic downturn could also result in reduced demand for credit or fee-based products and services, which also would decrease our revenues.

 

Increased and/or special FDIC assessments will hurt our earnings.

 

The continued economic downturn has caused a high level of bank failures, which has dramatically increased FDIC resolution costs and led to a significant reduction in the balance of the Deposit Insurance Fund. As a result, the FDIC has significantly increased the initial base assessment rates paid by financial institutions for deposit insurance. Increases in the base assessment rate have increased our deposit insurance costs and negatively impacted our earnings. In addition, in May 2009, the FDIC imposed a special assessment on all insured institutions. Our special assessment, which was reflected in earnings for the quarter ended June 30, 2009, was $67,000. In lieu of imposing an additional special assessment, the FDIC required all institutions to prepay their assessments for all of 2010, 2011 and 2012, which for us totaled $863,000. Due to a recent change in the methodology that the FDIC uses to calculate assessments, our actual assessment expense has decreased, but additional increases in the base assessment rate or additional special assessments would negatively impact our earnings.

 

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Changing interest rates may decrease our earnings and asset value.

 

Our net interest income is the interest we earn on loans and investments less the interest we pay on our deposits and borrowings. Our interest rate spread is the difference between the yield we earn on our assets and the interest rate we pay for deposits and our other sources of funding. Changes in interest rates—up or down—could adversely affect our interest rate spread and, as a result, our net interest income. Although the yield we earn on our assets and our funding costs tend to move in the same direction in response to changes in interest rates, one can rise or fall faster than the other, causing our interest rate spread to expand or contract. Our liabilities tend to be shorter in duration than our assets, so they may adjust faster in response to changes in interest rates. As a result, when interest rates rise, our funding costs may rise faster than the yield we earn on our assets, causing our interest rate spread to contract until the yield catches up. This contraction could be more severe following a prolonged period of lower interest rates, as a larger proportion of our fixed rate residential loan portfolio will have been originated at those lower rates and borrowers may be more reluctant or unable to sell their homes in a higher interest rate environment. Changes in the slope of the “yield curve”—or the spread between short-term and long-term interest rates—could also reduce our net interest margin. Normally, the yield curve is upward sloping, meaning short-term rates are lower than long-term rates. Because our liabilities tend to be shorter in duration than our assets, when the yield curve flattens or even inverts, we could experience pressure on our interest rate spread as our cost of funds increases relative to the yield we can earn on our assets. For further discussion of how changes in interest rates could impact us, see “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Risk Management — Interest Rate Risk Management.”

 

Strong competition within our primary market area could negatively impact our profits and slow growth.

 

We face intense competition both in making loans and attracting deposits. This competition has made it more difficult for us to make new loans and attract deposits. Price competition for loans and deposits might result in us earning less on our loans and paying more on our deposits which would reduce net interest income. Competition also makes it more difficult to grow loans and deposits. At June 30, 2012, which is the most recent date for which data is available from the Federal Deposit Insurance Corporation, we held approximately 0.32% of the deposits in Baltimore County, Maryland; 1.59% of the deposits in Harford County, Maryland; and 0.17% of the deposits in Baltimore City, Maryland. Most of the institutions with which we compete have substantially greater resources and lending limits than we have and may offer services that we do not provide. We expect competition to increase in the future as a result of legislative, regulatory and technological changes and the continuing trend of consolidation in the financial services industry. Our profitability depends upon our continued ability to compete successfully in our primary market area. See “Our Business — Market Area” and “Our Business — Competition” for more information about our primary market area and the competition we face.

 

Financial regulatory reform may have a material impact on our operations.

 

The Dodd-Frank Act enacted in 2010 significantly changed the current bank regulatory structure and affected the lending, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act requires the Federal Reserve Board to set minimum capital levels for bank holding companies that are as stringent as those required for insured depository institutions, and the components of Tier 1 capital would be restricted to capital instruments that are currently considered to be Tier 1 capital for insured depository institutions. The legislation also establishes a floor for capital of insured depository institutions that cannot be lower than the standards in effect today and directs the federal banking regulators to implement new leverage and capital requirements within 18 months that take into account off-balance sheet activities and other risks, including risks relating to securitized products and derivatives.

 

The Dodd-Frank Act also created a new Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, like Madison Square Federal Savings Bank, including the authority to prohibit “unfair, deceptive or abusive” acts and practices. The Consumer Financial Protection Bureau has examination and enforcement authority over all banks and savings institutions with more than $10.0 billion in assets. Banks and savings institutions with $10.0 billion or less in assets will be examined by their applicable bank regulators.

 

In addition, the Dodd-Frank Act will increase shareholder influence over boards of directors by requiring certain public companies to give shareholders a non-binding vote on executive compensation and so-called “golden parachute” payments, and by authorizing the Securities and Exchange Commission to promulgate rules that would allow shareholders to nominate and solicit votes for their own candidates using a company’s proxy materials.

 

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It remains difficult to predict what impact this legislation and implementing regulations will have on savings institutions such as Madison Square Federal Savings Bank, including on our lending and credit practices. Moreover, significant provisions of the Dodd-Frank Act are not yet effective, and the legislation requires various federal agencies to promulgate numerous and extensive implementing regulations over the next several years. Although the substance and scope of these regulations cannot be determined at this time, it is expected that the legislation and implementing regulations may increase our operating and compliance costs in the future.

 

We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.

 

We are subject to extensive regulation, supervision and examination by the Office of the Comptroller of the Currency, our primary federal regulator, and the Federal Deposit Insurance Corporation, as insurer of our deposits. Such regulation and supervision governs the activities in which an institution and its holding company may engage, and are intended primarily for the protection of the insurance fund and the depositors and borrowers of Madison Square Federal Savings Bank rather than for holders of our common stock. Regulatory authorities have extensive discretion in their supervisory and enforcement activities, including the imposition of restrictions on our operations, the classification of our assets and determination of the level of our allowance for loan losses. Any change in such regulation and oversight, whether in the form of regulatory policy, regulations, legislation or supervisory action, may have a material impact on our operations.

 

Additionally, the federal banking regulatory agencies issued rules that implement the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. Basel III and regulations of the federal banking regulatory agencies require bank holding companies and banks to undertake significant activities to demonstrate compliance with the new and higher capital standards. See Item 1. “Regulation of Federal Savings Banks—Capital Requirements” for a discussion of the Basel III reforms. Compliance with these rules will impose additional costs on banking entities and their holding companies.

 

We will incur additional expenses relating to our plan to hire additional lending personnel in furtherance of our strategy to expand our lending activity.

 

Part of our strategic plan is to grow our balance sheet by increasing commercial real estate and commercial business loans. When market conditions are more favorable, we may add additional lending personnel. We anticipate that this initiative will enhance long-term stockholder value. However, upon the addition of new lending personnel, we will be required to make increased expenditures for salaries and employee benefits, and it may take some period of time for the new personnel to generate sufficient loan volume to offset these expenditures. Accordingly, we anticipate that, in the short term, net income will be negatively affected.

 

Additional expenses from the implementation of new equity benefit plans will adversely affect our profitability.

 

We will recognize annual employee compensation and benefit expenses under recently implemented benefit plans.  These additional expenses will adversely affect our profitability.  We will recognize expenses for our employee stock ownership plan annually as shares are committed to be released to participants’ accounts.   The cost of the expense for the employee stock ownership plan was approximately $31,000 and $30,000 for the years ending March 31, 2013 and 2012, respectively.   We also will recognize expense for grants of stock options, which expense generally is recognized over the vesting period of options awarded.  The cost of the vested stock options issued in fiscal 2012 was approximately $14,000 and $15,000 for the years ended March 31, 2013 and 2012, respectively, and the estimated expense for the unvested portion is expected to be approximately $13,000 for fiscal year 2014.  No restricted stock was issued in 2012, but if we were to award restricted stock in the future, we would recognize expense for restricted stock awards generally over the vesting period of awards made.  Additional option grants, as well as restricted stock awards, may be made in the future, and the expense thereof may be material.  See notes 14 and 15 of the notes to the audited consolidated financial statements included in this Annual Report on Form 10-K for more detailed information relating to our benefit plans.

 

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The articles of incorporation and bylaws of Madison Bancorp, Inc. and certain laws and regulations may prevent or make more difficult certain transactions, including a sale or merger of Madison Bancorp, Inc.

 

Provisions of the articles of incorporation and bylaws of Madison Bancorp, state corporate law and federal banking regulations may make it more difficult for companies or persons to acquire control of Madison Bancorp. As a result, our shareholders may not have the opportunity to participate in such a transaction and the trading price of our common stock may not rise to the level of other institutions that are more vulnerable to hostile takeovers. The factors that may discourage takeover attempts or make them more difficult include:

 

·         Articles of incorporation and bylaws.  Provisions of the articles of incorporation and bylaws of Madison Bancorp may make it more difficult and expensive to pursue a takeover attempt that the board of directors opposes. These provisions also make more difficult the removal of current directors or management, or the election of new directors. These provisions include:

 

·         limitation on the right to vote shares;

 

·         the election of directors to staggered terms of three years;

 

·         provisions regarding the timing and content of shareholder proposals and nominations;

 

·         provisions restricting the calling of special meetings of shareholders;

 

·         the absence of cumulative voting by shareholders in the election of directors;

 

·         the removal of directors only for cause; and

 

·         supermajority voting requirements for changes to some provisions of the articles of incorporation and bylaws.

 

·         Maryland anti-takeover statute. Under Maryland law, any person who acquires more than 10% of a Maryland corporation without prior approval of its board of directors is prohibited from engaging in any type of business combination with the corporation for a five-year period. Any business combination after the five-year period would be subject to supermajority shareholder approval or minimum price requirements.

 

·         Office of the Comptroller of the Currency regulations.  Office of the Comptroller of the Currency regulations prohibit, for three years following the completion of a mutual-to-stock conversion, the offer to acquire or the acquisition of more than 10% of any class of equity security of a converted institution without the prior approval of the Office of the Comptroller of the Currency.

 

Item 1B. Unresolved Staff Comments

 

Not applicable

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Item 2. Properties

 

We conduct our business through our main office and our branch offices. The following table sets forth certain information relating to these facilities at March 31, 2013.

 

Location  Year
Opened		  Approximate
Square
Footage		   Owned/
Leased		  Net Book
 Value at 
March 31, 2013		 
               
Main Office:                
                 
Administrative  Headquarters                
8615 Ridgely’s Choice Drive, Suite 111                
Baltimore, Maryland  2011   6,317   Leased (1)  $4,674 
                 
Branch Offices:                
                 
Perry Hall Branch                
9651 Belair Road                
Baltimore, Maryland  1997   4,800   Owned   1,191,607 
                 
Gardenville Branch                
5415 Belair Road                
Baltimore, Maryland  2006   2,500   Owned   1,518,351 
                 
Fallston Branch                
2209 Belair Road                
Fallston, Maryland  2002   2,250   Leased (2)   556,395 
                 
Bel Air Branch                
126 N. Main Street                
Bel Air, Maryland  2009   3,600   Leased (3)   80,629 

 

 

(1)Lease expires August 31, 2021.
(2)Madison Square Federal Savings Bank acquired the Fallston Branch subject to a land lease. At termination of the land lease, the property reverts to the landlord. The lease expiration date is 2040, assuming the extension of all renewal options under the lease available to the Bank.
(3)Lease expires October 31, 2013; there is one five year renewal available which if exercised, would extend the lease term until October 31, 2018.

 

Item 3. Legal Proceedings

 

Periodically there have been various claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. We are not a party to any pending legal proceeding that we believe would have a material adverse effect on our financial condition, results of operations or cash flows.

 

Item 4. Mine Safety Disclosures

 

Not applicable.

 

25
 

 

PART II

 

Item 5. Market for Registrant’s Common Equity, Related Stockholders Matters and Issuer Purchases of Equity Securities

 

Madison Bancorp, Inc.’s common stock is quoted on the OTC Bulletin Board under the symbol “MDSN.” The common stock was issued at a price of $10.00 per share in connection with the Bank’s mutual to stock conversion and the initial public offering of the Company’s common stock. The common stock commenced trading on the OTC Bulletin Board on October 6, 2010. As of March 31, 2013, there were approximately 130 shareholders of record, not including the number of persons or entities whose stock is held in nominee or “street” name through various brokerage firms and banks.

 

Presented below is the high and low trade information for Madison’s common stock for the periods presented. The over-the-counter market quotations reflect inter-dealer prices, without retail mark-up, mark-down or commission and may not necessarily represent actual transactions. Information has been obtained from the NASDAQ Stock Market, Inc. The Company has not declared or paid cash dividends.

 

   Price Range Per Share 
Fiscal 2013:            
Quarter Ended  Low   High   Dividends 
                
March 31, 2013   $10.25   $14.75   $0 
December 31, 2012    10.01    11.10    0 
September 30, 2012    9.40    11.00    0 
June 30, 2012    8.45    9.40    0 
                
Fiscal 2012:               
Quarter Ended               
                
March 31, 2012   $7.90   $8.60   $0 
December 31, 2011    8.10    8.75    0 
September 30, 2011    9.05    9.85    0 
June 30, 2011    9.81    10.99    0 

 

The Company did not repurchase any of its common stock during the fiscal year ended March 31, 2013.

 

The Company is subject to Maryland law, which generally permits a corporation to pay dividends on its common stock unless, after giving effect to the dividend, the corporation would be unable to pay its debts as they become due in the usual course of its business or the total assets of the corporation would be less than its total liabilities. Dividend payments by the Company depend primarily on dividends received by the Company from the Bank. The payment of cash dividends on capital stock by a savings institution is limited by Office of the Comptroller of the Currency regulations. We may not make a distribution that would constitute a return of capital during the three-year term of the business plan submitted in connection with our reorganization. No insured depository institution may make a capital distribution if, after making the distribution, the institution would be undercapitalized.

 

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Item 6. Selected Financial Data

 

The summary consolidated financial information presented below is derived in part from our consolidated financial statements. The following is only a summary and should be read it in conjunction with the consolidated financial statements and notes. The information at March 31, 2013 and 2012 and for the years then ended is derived in part from the audited consolidated financial statements of Madison Bancorp, Inc. that appear elsewhere in this Annual Report on Form 10-K.

 

Selected Consolidated Financial Condition Data

 

   At March 31, 
(Dollars in thousands)  2013   2012 
Financial Condition Data:        
         
Total assets   $149,902   $155,245 
Cash and cash equivalents    4,813    10,735 
Investment securities available-for-sale    56,282    53,389 
Loans receivable, net    83,540    84,986 
Deposits    134,656    140,181 
Total equity   $14,260   $14,155 

 

Selected Operations Data

 

   For the Year Ended 
March 31,		 
(Dollars in thousands)  2013   2012 
Operating Data:        
Interest revenue   $5,143   $5,803 
Interest expense    1,576    1,988 
Net interest income    3,567    3,816 
Provision for loan losses    230    292 
Net interest income after provision for loan losses    3,337    3,524 
Noninterest revenue (loss)    547    225 
Noninterest expenses    3,670    3,759 
Income (Loss) before income taxes    214    (11)
Net income (loss)   $214   $(11)

 

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Selected Performance Ratios

 

   At or For the Year Ended  
March 31,		 
   2013   2012 
Performance Ratios (1):          
Return on average assets    0.14%   (0.01)%
Return on average equity    1.49    (0.08)
Interest rate spread (2)    2.29    2.42 
Net interest margin (3)    2.40    2.57 
Noninterest expenses to average assets    2.38    2.45 
Average interest-earning assets to average interest-bearing liabilities    111.11    111.32 
Average equity to average assets    9.31    9.09 
Dividend payment ratio   0.00    0.00 

 

Selected Regulatory Capital and Asset Quality Ratios

 

   At or For the Year Ended 
March 31,		 
   2013   2012 
Regulatory Capital Ratios:          
Total risk-based capital (to risk-weighted assets)    19.10%   17.21%
Tier 1 capital (to risk-weighted assets)    17.85    16.10 
Tier 1 capital (to adjusted total assets)    8.30    7.80 
           
Asset Quality Ratios:          
Allowance for loan losses as a percent of total loans    1.08    0.98 
Allowance for loan losses as a percent of nonperforming loans    128.59    93.61 
Net charge-offs to average outstanding loans during the period    0.19    0.11 
Nonperforming loans as a percent of total loans    0.84    1.04 
Nonperforming assets as a percent of total assets    0.47    0.58 

 

 

(1)With the exception of end of period ratios, all ratios are based on average daily balances during the periods.
(2)Represents the difference between the average yield on average interest-earning assets and the average cost on average interest-bearing liabilities.
(3)Represents net interest income as a percent of average interest-earning assets.

 

28
 

 

 

  

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

 

Operating Strategy

 

Background. For many years, we have operated as a traditional savings and loan association, attracting deposits and investing those funds primarily in residential mortgage loans and investment securities. Several years ago, primarily due to our small size relative to our fixed costs and to market interest rate increases which increased our cost of funds faster than we were able to increase yields on our assets, we began to experience net operating losses. Recognizing our need to adapt to current and future changing market conditions, our Board of Directors initiated a search process to recruit an executive officer that could be an agent for change. In January 2008 we hired Michael Gavin as our Chief Executive Officer, and in April 2008 we hired Ronald Ballard to serve as our Executive Vice President-Commercial Lending.

 

Operating Strategy. With the addition of Mr. Gavin and Mr. Ballard, we developed a strategy to return to profitability and position Madison Square Federal Savings Bank for eventual growth. Our objective is to build on our historic strengths of customer loyalty, residential mortgage lending, low cost deposits, high asset quality, and gradually grow our balance sheet with assets and liabilities that allow us to increase our net interest margin while reducing our exposure to risk from interest rate fluctuations. Our operating strategy includes the following:

 

·building on our strengths as a community-oriented financial institution;

 

·growing our balance sheet by increasing commercial real estate and commercial business loans;

 

·emphasizing lower cost core deposits to maintain low funding costs;

 

·controlling noninterest expenses;

 

·expanding our market share within our primary market area.

 

Building on our strengths as a community-oriented financial institution

 

We have operated continuously as a community-oriented financial institution since we were established in 1870. We are committed to meeting the financial needs of the communities in which we operate, and we are dedicated to providing quality personal service to our customers. We provide a broad range of consumer and business financial services through our network of branches and will continually seek out ways to improve convenience, safety and service through our product offerings.

 

Over the years, we have developed a core of loyal customers, and our product mix concentrating on savings, checking and time deposits and residential real estate mortgage loans has allowed us to generate low cost deposits while maintaining strong asset quality. We intend to continue to retain these strengths while gradually growing our balance sheet with assets and liabilities that allow us to increase our net interest margin while reducing our exposure to risk from interest rate fluctuations.

 

Growing our balance sheet by increasing commercial real estate and commercial business loans

 

Our strategic plan calls for us to grow our balance sheet by emphasizing assets and liabilities that allow us to increase our net interest margin while reducing our exposure to risk from interest rate fluctuations.

 

With respect to our assets, our strategy has been, and continues to be, to increase the percentage of assets invested in commercial and commercial real estate loans, which tend to have higher yields than traditional single-family residential mortgage loans and which have shorter terms to maturity or adjustable interest rates. We intend to continue to emphasize residential lending while also seeking to expand our commercial real estate and commercial business lending activities with a focus on serving small businesses and emphasizing relationship banking in our primary market area. See Item 1A. “Risk Factors ― Our increased focus on commercial real estate lending and commercial business lending may expose us to increased lending risks.” We intend to leverage the pre-existing banking relationships of Messrs. Gavin and Ballard to seek out new commercial real estate and commercial lending opportunities.

 

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Commercial real estate and commercial business loans provide us with the opportunity to earn more income because they tend to have higher interest rates than residential mortgage loans. In addition, these loans are beneficial for interest rate risk management because they typically have shorter terms and adjustable interest rates. There are many commercial properties and businesses located in our market area, and with the additional capital raised in the offering we intend to pursue the larger lending relationships associated with these opportunities. To facilitate our growth, we have added expertise in our commercial loan department through the addition of Mr. Ballard. Our commercial real estate loans have increased from $10.6 million, or 11.8% of total loans, at March 31, 2009 to $14.6 million, or 17.3% of total loans, at March 31, 2013. In addition, commercial loans have increased from $3.1 million, or 3.5% of total loans, at March 31, 2009 to $4.1 million, or 4.9% of total loans, at March 31, 2013.

 

With respect to liabilities, our strategy is to emphasize transaction and money market accounts, as well as certificates of deposit of various terms. We value these types of deposits because they represent longer-term customer relationships and a lower cost of funding compared to longer-term certificates of deposit. We aggressively seek transaction and money market deposits through competitive products and pricing and targeted advertising. In addition, we offer business checking accounts for our commercial customers.

 

Emphasizing lower cost core deposits to maintain low funding costs

 

We seek to increase net interest income by controlling costs of funding rather than maximizing asset yields because originating loans with high yields often involves greater credit risk. As a traditional thrift institution, a greater percentage of our deposit accounts have been higher balance, higher costing certificates of deposits. Over the past several years, we have sought to reduce our dependence on traditional high cost deposits in favor of stable low cost demand deposits. We have utilized additional product offerings, technology and a focus on customer service in working toward this goal. We had no brokered deposits during the years ended March 31, 2013 and 2012.

 

Controlling noninterest expenses

 

Because of the competitive environment in which we operate and the resultant pressures on our interest rate margin, it is important that we work to control noninterest expenses. Noninterest expenses decreased by $89,000, or 2.4%, from $3.8 million for the year ended March 31, 2012 to $ 3.7 million for the year ended March 31, 2013. There was a decrease in salaries and employee benefits of $60,000, or 3.0%; a decrease in FDIC premiums and OCC assessments of $25,000, or 12.9%; and a decrease in occupancy and equipment expense of $24,000, or 2.7% partially offset by an increase in other operating expenses of $28,000, or 16.6% for the year ended March 31, 2013 compared to the year ended March 31, 2012.

 

Expanding our market share within our primary market area

 

We intend to expand our market share in our primary market area through enhancing the efforts of our staff in marketing additional products and services to our customers. We believe that we have a solid infrastructure in place that will allow us to grow assets and liabilities without adding materially to our noninterest expenses.

 

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Overview

 

Revenue. Our primary source of pre-tax revenue is net interest income. Net interest income is the difference between interest revenue, which is the income that we earn on our loans and investment securities, and interest expense, which is the interest that we pay on our deposits. Other significant sources of pre-tax revenue are service charges (mostly from service charges on deposit accounts). We also recognize income from the sale of securities.

 

Allowance for Loan Losses. The allowance for loan losses is a valuation allowance for probable losses inherent in the loan portfolio. We evaluate the need to establish allowances against losses on loans on a quarterly basis. When additional allowances are necessary, a provision for loan losses is charged to earnings.

 

Expenses. The noninterest expenses we incur in operating our business consists of salaries and employee benefits expenses, occupancy and equipment expenses, federal deposit insurance premiums and Office of the Comptroller of the Currency assessments, data processing expenses, professional services, stationery and postage expenses and other miscellaneous expenses.

 

Salaries and employee benefits expenses consist primarily of salaries, wages and bonuses paid to our employees, payroll taxes and expenses for health insurance, retirement plans and other employee benefits. Following the offering, Madison adopted an Employee Stock Ownership Plan which had expenses of approximately $29,000 for each of the first two years and approximately $31,000 for the year ended March 31, 2013. We also will recognize expense for grants of stock options, which expense generally is recognized over the vesting period of options awarded.  The cost of the vested stock options granted in fiscal 2012 was approximately $15,000 and $14,000 for the years ended March 31, 2012 and 2013, respectively, and the estimated expense for the unvested portion is expected to be approximately $14,000 for year ending March 31, 2014.  We anticipate granting additional awards annually. We cannot determine the actual amount of these new stock-related compensation and benefit expenses at this time because applicable accounting practices require that they be based on the fair market value of the shares of common stock at specific points in the future.

 

Occupancy and equipment expense, which are the fixed and variable costs of buildings and equipment, consist primarily of depreciation charges, rental expenses, furniture and equipment expenses, maintenance, real estate taxes and costs of utilities. Depreciation of premises and equipment is computed using a combination of accelerated and straight-line methods based on the useful lives of the related assets, which range from three to 40 years.

 

Professional services include the fees that we pay to our outside accountants, legal expenses and other consultants.

 

Federal deposit insurance premiums are payments we make to the Federal Deposit Insurance Corporation for insurance of our deposit accounts. Office of the Comptroller of the Currency assessments are semi-annual assessments we pay to our primary regulator.

 

Data processing expenses are the fees we pay to third parties for processing customer information, deposits and loans.

 

Other expenses include expenses for insurance and other miscellaneous operating expenses.

 

Critical Accounting Policies

 

We consider accounting policies involving significant judgments and assumptions by management that have, or could have, a material impact on the carrying value of certain assets or on income to be critical accounting policies. The following represent our critical accounting policies:

 

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Allowance for Loan Losses. The allowance for loan losses is the amount estimated by management as necessary to cover losses inherent in the loan portfolio at the balance sheet date. The allowance is established through the provision for loan losses, which is charged to income. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Among the material estimates required to establish the allowance are: loss exposure at default; the amount and timing of future cash flows on impacted loans; value of collateral; and determination of loss factors to be applied to the various elements of the portfolio. All of these estimates are susceptible to significant change. Management reviews the level of the allowance quarterly and establishes the provision for loan losses based upon an evaluation of the portfolio, past loss experience, current economic conditions and other factors related to the collectability of the loan portfolio. Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic or other conditions differ substantially from the assumptions used in making the evaluation. In addition, the Office of the Comptroller of the Currency, as an integral part of its examination process, periodically reviews our allowance for loan losses and may require us to recognize adjustments to the allowance based on its judgments about information available to it at the time of its examination. A large loss could deplete the allowance and require increased provisions to replenish the allowance which would adversely affect earnings. See note 5 of the notes to the audited consolidated financial statements included in this Annual Report on Form 10-K.

 

Fair Value of Investments. Securities are characterized as available for sale or held to maturity based on management’s ability and intent regarding such investment at acquisition. On an ongoing basis, management must estimate the fair value of its investment securities based on information and assumptions it deems reliable and reasonable, which may be quoted market prices or if quoted market prices are not available, fair values extrapolated from the quoted prices of similar instruments. Based on this information, an assessment must be made as to whether any decline in the fair value of an investment security should be considered an other-than-temporary impairment and recorded in non-interest revenue as a loss on investments. The determination of such impairment is subject to a variety of factors, including management’s judgment and experience. See note 10 of the notes to the audited consolidated financial statements.

 

Balance Sheet Analysis

 

Assets. Total assets decreased from $155.2 million at March 31, 2012 to $149.9 million at March 31, 2013. The decrease was primarily due to decreases in cash and cash equivalents of $5.9 million and net loans receivable of $1.4 million, which were partially offset by increases in investment securities available-for-sale of $2.9 million.

 

Cash and Cash Equivalents. Cash and cash equivalents decreased by $5.9 million, or 55.2%, from $10.7 million at March 31, 2012 to $4.8 million at March 31, 2013.

 

   At March 31, 
   2013   2012 
         
Cash and due from banks  $663,720   $929,870 
Federal funds sold   173,535    173,185 
Interest-bearing deposits   175,862    1,248,660 
FHLB overnight deposits   379,282    1,080,711 
Federal Reserve Bank balances   3,420,737    7,302,787 
Total  $4,813,136   $10,735,213 

 

Loans. Our primary lending activity is the origination of loans secured by real estate. Our loans secured by real estate consist primarily of residential mortgage loans and, to a lesser extent, commercial real estate loans. We also originate land loans, lines of credit, and residential construction loans. Our non-real estate loans consist of consumer loans and commercial loans.

 

Net loans receivable decreased by $1.4 million, or 1.7%, from $85.0 million at March 31, 2012 to $83.5 million at March 31, 2013, primarily as a result of the net effect of a $2.4 million decrease in land loans, a $1.5 million decrease in commercial loans, a $332,000 decrease in commercial real estate loans, a $209,000 decrease in consumer loans and an $80,000 decrease in multifamily loans offset by a $1.6 million increase in residential 1-4 single family loans, an $889,000 increase in farm loans, a $410,000 increase in home equity lines of credit and a $164,000 increase in residential construction loans.

 

32
 

 

The largest portion of the loan portfolio consists of residential mortgage loans, which are loans secured by single-family properties. Most of our residential mortgage loans are owner occupied, but this category also includes loans secured by single-family investment properties. Residential mortgage loans totaled $54.6 million, or 64.8%, and $53.0 million, or 61.8%, of the total loan portfolio, at March 31, 2013 and 2012, respectively. The increase in residential mortgage loans was primarily a result of our new loan originations exceeding borrowers’ normal principal reductions for the year.

 

Commercial real estate loans decreased by $332,000, or 2.2%, from $14.9 million at March 31, 2012 to $14.6 million at March 31, 2013. At March 31, 2013, commercial real estate loans represented 17.3% of the total loan portfolio. We offer a variety of commercial real estate loans to owner occupants and investors. Our commercial real estate lending is varied and includes loans secured by office buildings, small retail buildings, warehouses and flex space.

 

Land loans decreased by $2.4 million, or 36.2%, from $6.6 million at March 31, 2012 to $4.2 million at March 31, 2013. The decrease in land loans was primarily due to six loans being paid off during the year. At March 31, 2013, land loans represented 5.0% of the total loan portfolio.

 

Home equity lines of credit totaled $2.7 million and represented 3.2% of total loans at March 31, 2013, compared to $2.2 million, or 2.6% of total loans, at March 31, 2012. The $410,000, or 18.3%, increase in home equity lines of credit at March 31, 2013 compared to March 31, 2012 follows increases of $491,000 and $349,000, or 28.0% and 24.8%, respectively, for the years ended March 31, 2012 and March 31, 2011 as compared to prior years. These increases resulted from continued customer awareness of our more competitive home equity line of credit product which we introduced during the year ended March 31, 2010.

 

Residential construction loans totaled $1.4 million, and represented 1.6% of total loans, at March 31, 2013, compared to $1.2 million, or 1.4% of total loans, at March 31, 2012. The $164,000, or 13.6%, increase in residential construction loans at March 31, 2013 as compared to March 31, 2012 was primarily due to increases in lines of credit to local builders and construction loans to homeowners. These loans to builders are primarily for pre-sold homes, although we occasionally may originate a limited number of loans secured by spec units.

 

Our non-real estate secured loans consist of consumer loans and commercial loans. While we offer a variety of consumer loans, we do not emphasize this type of lending and generally make consumer loans as an accommodation to our existing customers. Consumer loans decreased by $209,000, or 34.1%, from $612,000 at March 31, 2012 to $403,000 at March 31, 2013. The decrease was due to the general run off of the consumer portfolio, as we do not emphasize this type of lending.

 

Our commercial loans generally are secured by equipment and receivables, although in rare cases may be unsecured, and include operating lines of credit. Commercial loans totaled $4.1 million, representing 4.9% of total loans, at March 31, 2013, compared to $5.6 million, or 6.6% of total loans, at March 31, 2012.

 

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The following table sets forth the composition of our loan portfolio at the dates indicated.

 

   At March 31, 
   2013   2012 
   Amount   Percent   Amount   Percent 
Loans secured by mortgages:                    
Residential:                    
1-4  Single family  $54,604,184    64.80%  $53,002,752    61.82%
Multi-family   1,513,209    1.80    1,593,173    1.86 
Lines of credit   2,658,271    3.15    2,247,787    2.62 
Commercial   14,553,616    17.27    14,885,346    17.36 
Land   4,191,616    4.97    6,568,154    7.66 
Farm loans guaranteed by the USDA   888,544    1.06    0    0 
Residential construction   1,367,134    1.62    1,203,508    1.41 
    79,776,574    94.67    79,500,720    92.73 
Consumer   403,330    0.48    612,326    0.71 
Commercial   4,090,168    4.85    5,624,473    6.56 
Total loans   84,270,072    100.00%   85,737,519    100.00%
Net deferred costs   179,768         85,955      
Allowance for loan losses   (909,488)        (837,063)     
Loans receivable, net  $83,540,352        $84,986,411      

 

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Loan Maturity

 

The following table sets forth certain information at March 31, 2013 regarding the dollar amount of loan contractual maturities becoming due during the period indicated. The table does not include any estimate of principal repayments or prepayments which significantly shorten the average life of all loans. Demand loans having no stated schedule of repayments and no stated maturity are reported as due in one year or less.

 

   1-4 Single
Family
Residential		   Multi-family
Residential		   Home Equity
Lines of
Credit		   Commercial
Mortgages		   Land   Farm Loans
Guaranteed by
the USDA		   Residential
Construction		   Consumer
Not Secured
by Real Estate		   Commercial
Not Secured
by Real Estate		   Total 
Amounts due in:                                                  
One year or less  $83,803   $0   $520,758   $859,615   $2,905,798   $0   $1,332,093   $17,400   $2,089,293   $7,808,760 
More than one to two years   478,070    0    17,032    462,276    637,821    0    0    85,447    2,498    1,683,144 
More than two to three years   806,702    0    3,857    0    647,997    0    0    93,291    463,635    2,015,482 
More than three to five years   3,405,047    0    1,099    1,181,668    0    0    0    207,192    269,378    5,064,384 
More than five to ten years   14,119,903    0    2,115,525    576,931    0    0    35,041    0    935,622    17,783,022 
More than ten to fifteen years   9,945,766    1,055,106    0    3,411,772    0    888,544    0    0    0    15,301,188 
More than fifteen years   25,764,893    458,103    0    8,061,354    0    0    0    0    329,742    34,614,092 
Total  $54,604,184   $1,513,209   $2,658,271   $14,553,616   $4,191,616   $888,544   $1,367,134   $403,330   $4,090,168   $84,270,072 

 

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Fixed vs. Adjustable Rate Loans

 

The following table sets forth the dollar amount of all loans at March 31, 2013 that are due after March 31, 2014 and categorizes them by either fixed interest rates or floating or adjustable interest rates. The amounts shown below exclude unearned loan origination fees.

 

  Floating or
Adjustable
 Rates		  Fixed Rates  Total
Amounts due in:            
More than one to two years  $894,927   $788,217   $1,683,144 
More than two to three years   971,881    1,043,601    2,015,482 
More than three to five years   597,027    4,467,357    5,064,384 
More than five to ten years   2,115,525    15,667,497    17,783,022 
More than ten to fifteen years   4,899,966    10,401,222    15,301,188 
More than fifteen years   17,544,826    17,069,266    34,614,092 
Total  $27,024,152   $49,437,160   $76,461,312 

 

Most of our adjustable rate loans contain floor rates. Some adjustable rate loan products contain floor rates equal to the initial interest rate on the loan. When market interest rates fall below the floor rate, as has occurred in recent periods, loan rates do not adjust further downward.

 

Loan Activity

 

The following table shows loans originated, purchased and sold during the periods indicated.

 

   Year Ended March 31, 
   2013   2012 
         
Total loans at beginning of period  $85,737,519   $86,720,351 
Loans originated:          
Loans secured by mortgages:          
Residential:          
1-4 Single family   10,354,553    6,107,724 
Multi-family   0    0 
Lines of credit   1,597,800    928,664 
Commercial   907,500    1,855,000 
Land   0    2,897,035 
Farm loans guaranteed by the USDA   0    0 
Residential construction   0    2,640,065 
    12,859,853    14,428,488 
Consumer   82,349    277,774 
Commercial   993,175    2,212,543 
Total loans originated   13,935,377    16,918,805 
Loans purchased   1,024,944    1,700,000 
Deduct:          
Loan principal repayments   (16,270,193)   (17,252,253)
Loan sales   0    (2,255,382)
Loan charge-offs, net   (157,575)   (94,002)
Net loan activity   (1,467,447)   (982,832)
Total loans at end of period  $84,270,072   $85,737,519 

 

Loan originations come from a number of sources. The primary sources of loan originations are contacts with our loan officers, existing customers, walk-in traffic, referrals from customers, and, to a lesser extent, advertising.

 

Loan sales consist primarily of the sale of participation interest in certain commercial and construction loans that are in excess of our regulatory loans-to-one-borrower limit. In those instances where we originate loans in amounts that exceed our loans-to-one borrower limit, we sell participation interests in such loans to other local banks. During the year ended March 31, 2013, no loans were sold.

 

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Occasionally, on a very selective basis, we have purchased participation interests in commercial real estate loans to supplement our loan portfolio. We purchase loan participations solely from a very limited number of other local banks we know well, and the loans must be secured by properties located in our market area. We underwrite participation interests using the same underwriting standards for loans that we originate for our portfolio. At March 31, 2013, our purchased participation interests totaled $4.4 million. These participation loans include mobile home parks and land development. We do not purchase whole loans.

 

One loan participation we own is a pool of loans made in low to moderate income areas of Baltimore City. Our portion of these loans was approximately $1.1 million at March 31, 2013.

 

Securities. At March 31, 2013, we had $56.3 million of securities available-for-sale, consisting of U.S. government securities, certificates of deposit insured by the Federal Deposit Insurance Corporation, mortgage-backed securities and collateralized mortgage obligations issued by Freddie Mac or Fannie Mae or guaranteed by Ginnie Mae. Our securities portfolio is used to invest excess funds for increased yield and manage interest rate risk.

 

Our available-for-sale securities increased by $2.9 million, or 5.4%, from $53.4 million at March 31, 2012 to $56.3 million at March 31, 2013. The increase in available-for-sale securities is the result of purchases of $42.2 million of U.S. Agency mortgage-backed securities, U.S. Agency collateralized mortgage obligations and brokered certificates of deposit. The increase in available-for-sale securities was partially offset by calls, maturities or repayments of $18.0 million on securities. During the year ended March 31, 2013, the Company took advantage of market conditions and sold mortgage backed securities totaling $21.0 million and recognized gross gains of $317,681 and gross loses of $25,360. At March 31, 2013, we also held an investment of $181,800 in the common stock of the Federal Home Loan Bank of Atlanta. A portion of this investment is required in order to collateralize borrowings from the Federal Home Loan Bank of Atlanta. We hold no stock in Fannie Mae or Freddie Mac and have not held stock in these entities throughout the periods presented.

 

The following table sets forth the amortized costs and fair values of our investment securities at the dates indicated.

 

   March 31, 2013   March 31, 2012 
   Amortized
Cost		   Estimated
Fair Value		   Amortized
Cost		   Estimated
Fair Value		 
Investment securities available-for-sale:                    
U.S. government agencies  $15,137,211   $15,121,778   $2,000,282   $2,001,765 
Brokered certificates of deposit   8,444,000    8,479,275    6,886,898    6,880,029 
Mortgage-backed securities (Agency)   18,802,845    19,021,654    31,800,333    32,320,477 
Collateralized mortgage obligations (Agency)   13,598,841    13,659,468    12,157,358    12,187,066 
   $55,982,897   $56,282,175   $52,844,871   $53,389,337 

 

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The following table sets forth the stated maturities and weighted average yields of investment securities at March 31, 2013. Certain mortgage-backed securities have adjustable interest rates and will reprice annually within the various maturity ranges. These repricing schedules are not reflected in the table below. Weighted average yield calculations on investments available for sale do not give effect to changes in fair value that are reflected as a component of equity.

 

   March 31, 2013 
(Dollars in thousands)  One Year or
Less		   After 1 to 5
Years		   After 5 to 10
Years		   After 10
Years		   Total 
                     
Investment securities available-for-sale:                         
U.S. Government agencies                         
Estimated fair value  $0   $3,978,588   $10,150,205   $992,985   $15,121,778 
Amortized cost   0    3,972,649    10,166,374    998,188    15,137,211 
Yield   0.00%%   0.83%   1.61%   1.68%   1.41%
Brokered certificates of deposit                         
Estimated fair value  $4,203,915   $4,275,360   $0   $0   $8,479,275 
Amortized cost   4,196,000    4,248,000    0    0    8,444,000 
Yield   0.81%   1.03%   0.00%   0.00%   0.92%
Mortgage-backed securities – agency                         
Estimated fair value  $0   $114,960   $2,849,132   $16,057,562   $19,021,654 
Amortized cost   0    106,100    2,775,266    15,921,479    18,802,845 
Yield   0.00%   4.58%   1.50%   1.77%   1.75%
Collateralized mortgage-backed obligations (Agency)                         
Estimated fair value  $0   $0   $1,057,225   $12,602,243   $13,659,468 
Amortized cost   0    0    1,047,962    12,550,879    13,598,841 
Yield   0.00%   0.00%   1.16%   0.86%   0.88%%
Total Investment Securities:                         
Estimated fair value  $4,203,915   $8,368,908   $14,056,562   $29,652,790   $56,282,175 
Amortized cost   4,196,000    8,326,749    13,989,602    29,470,546    55,982,897 
Yield   0.81%   0.98%   1.55%   1.38%   1.32%

 

At March 31, 2013, we did not have any security (other than U.S. government agency securities) that exceeds 10% of our total equity at that date.

 

Ground Rents. Ground rents represent the value of long-term leases with respect to land we own underlying residential properties.  Our balance in ground rents decreased to zero at March 31, 2013 from $290,000 at March 31, 2012.  The entire ground rent portfolio was sold as of May 1, 2012 at the value recorded at March 31, 2012.

 

Foreclosed Real Estate. As of March 31, 2012, the Company had balances of $55,000 in foreclosed real estate. The foreclosed real estate consisted of one 1-4 single family home, which has subsequently been sold to an unrelated third party at a gain of less than $200 from its recorded value at March 31, 2013. As of March 31, 2012, the Company had no foreclosed real estate. The Company had a participation interest in a 14 unit rental property that was disposed of during the quarter ended September 30, 2011. The property was sold to an unrelated third party.

 

Deposits. We accept deposits primarily from individuals and businesses located in our primary market area. We rely on competitive pricing, customer service, account features and the location of our branch offices to attract and retain deposits. Deposits serve as the primary source of funds for our lending and investment activities. Interest-bearing deposit accounts offered include savings accounts, individual NOW accounts, money market accounts and certificates of deposit. Noninterest-bearing accounts consist of free checking and commercial checking accounts. Total deposits decreased by $5,525,000 to $134,656,000 at March 31, 2013 from $140,181,000 at March 31, 2012. Balances of noninterest-bearing deposits decreased by $611,000 to $5,972,000 at March 31, 2013 from $6,583,000 at March 31, 2012. Interest-bearing deposits decreased by $4,915,000 to $128,684,000 at March 31, 2013 compared to $133,599,000 at March 31, 2012. The decrease was in certificates of deposits which decreased by $7,686,000 from $102,946,000 at March 31, 2012 to $95,260,000 at March 31, 2013, and was partially offset by increases in savings accounts which increased by $1,926,000 from $22,751,000 at March 31, 2012 to $24,677,000 at March 31, 2013 and NOW and money market accounts which increased by $845,000 from $7,902,000 at March 31, 2012 to $8,747,000 at March 31, 2013.

 

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The following table sets forth average balances and average rates of our deposit products for the periods ended March 31, 2013 and 2012.

 

   March 31, 
   2013   2012 
   Average
Balance		   Percent   Weighted
Average
Rate		   Average
Balance		   Percent   Weighted
Average
Rate		 
                         
Noninterest-bearing:                              
Demand  $5,871,691    4.23%   0.00%  $5,981,456    4.31%   0.00%
Interest-bearing:                              
NOW   2,265,244    1.62    0.10    2,274,056    1.64    0.10 
Money Market   5,966,354    4.30    0.32    6,869,418    4.95    0.43 
Savings   24,275,683    17.49    0.14    22,350,043    16.12    0.20 
Time   100,451,169    72.36    1.51    101,221,578    72.98    1.89 
   $138,830,141    100.00%   1.19%  $138,696,551    100.00%   1.43%

 

Time deposits of $100,000 or more included in time above, were $44,269,000 and $45,234,000 at March 31, 2013 and 2012, respectively.

 

During the year ended March 31, 2013, average balances in noninterest-bearing deposits decreased $110,000 or 1.84%. Average balances in interest-bearing deposits increased by $243,000, or 0.18%, with balances of $132,958,000 and $132,715,000 for the years ended March 31, 2013 and 2012, respectively. Maintenance of our level of deposits is a reflection of further turmoil in the financial markets as our customers continue to seek the security of FDIC-insured deposits.

 

The following table indicates the amount of certificates of deposit with balances of $100,000 or greater by time remaining until maturity as of March 31, 2013, none of which are brokered deposits.

 

Maturity Period  Amount 
     
Three months or less  $6,610,952 
Over three through six months   2,722,308 
Over six through twelve months   7,926,767 
Over twelve months   27,008,909 
Total  $44,268,936 

 

The following table sets forth time deposits classified by rates at the dates indicated.

 

   March 31, 
   2013   2012 
         
Less than 1.00%  $35,413,997   $18,800,069 
1.00% to 1.99   45,098,426    49,216,893 
2.00% to 2.99   8,869,776    28,218,992 
3.00% to 3.99   2,584,077    2,949,319 
4.00% to 4.99   3,294,154    3,760,730 
   $95,260,430   $102,946,003 

 

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The following table sets forth the amount and maturities of time deposits at March 31, 2013.

 

   Less Than
One Year		   Over One
Year to Two
Years		   Over Two
Years to
Three Years		   Over Three
Years to
Four Years		   Over Four
Years to
Five Years		   Total Time
Deposits		   Percentage
of Total
Time
Deposits		 
                             
Less than 1.00%  $22,926,290   $7,846,621   $4,641,086   $0   $0   $35,413,997    37.18%
1.00% to 1.99%   11,978,044    22,263,870    2,276,549    4,620,489    3,959,474    45,098,426    47.34 
2.00 % to 2.99%   3,320,405    3,355,276    2,194,095    0    0    8,869,776    9.31 
3.00% to 3.99%   2,584,077    0    0    0    0    2,584,077    2.71 
4.00% to 4.99%   3,294,154    0    0    0    0    3,294,154    3.46 
   $44,102,970   $33,465,767   $9,111,730   $4,620,489   $3,959,474   $95,260,430    100.00%

 

The following table sets forth deposit activity for the periods indicated.

 

   Year Ended March 31, 
   2013   2012 
Beginning balance  $140,181,227   $139,518,356 
Increase (decrease) before interest credited   (7,118,059)   (1,324,519)
Interest credited   1,592,630    1,987,390 
Net increase (decrease) in deposits   (5,525,429)   662,871 
Ending balance  $134,655,798   $140,181,227 

 

Borrowings. We are permitted to use borrowings from the Federal Home Loan Bank of Atlanta and repurchase agreements to supplement our supply of funds for loans and investments and for interest rate risk management. The Bank also has lines of credit available from two large financial institutions. We had no borrowings at March 31, 2013 or 2012.

 

Equity. For the year ended March 31, 2013, equity increased by $105,000, or 0.74%, primarily as a result of an increase of $214,000 in retained earnings relating to net income for the year, partially offset by a decrease of $148,000 in accumulated other comprehensive income relating to a reduction of unrealized gains in our available-for-sale securities portfolio. For the year ended March 31, 2012, equity increased by $516,000, or 3.78%, primarily as a result of an increase of $481,000 in accumulated other comprehensive income relating to unrealized gains in our available-for-sale securities portfolio.

 

Results of Operations for the Years Ended March 31, 2013 and 2012

 

Overview. For the year ended March 31, 2013 our net income was $213,700, compared to a net loss of $10,500 for the year ended March 31, 2012. The results for 2013 included improvements in many categories including increases in noninterest revenue and decreases in noninterest expense.

 

Net Interest Income. Net interest income decreased by $249,000 to $3,567,000 for the year ended March 31, 2013, compared to $3,816,000 for the year ended March 31, 2012. A decrease of $661,000 in interest income was offset by a decrease of $412,000 in interest expense on total deposits. Our interest rate spread was 2.29% for the year ended March 31, 2013 compared to 2.42% for the year ended March 31, 2012 and our net interest margin decreased to 2.40% for the year ended March 31, 2013 from 2.57% for the year ended March 31, 2012.

 

Interest on loans decreased by $392,000 to $4,330,000 for the year ended March 31, 2013 from $4,722,000 for the year ended March 31, 2012 due primarily to a $2,377,000 decrease in balances in land development loans and a $1,534,000 decrease in balances in commercial loans partially offset by a $1,932,000 increase in balances of residential mortgage loans. The average balance of loans decreased by $979,000 to $83,276,000 for the year ended March 31, 2013 from $84,254,000 for the year ended March 31, 2012. The average yield on loans decreased to 5.20% for the year ended March 31, 2013 from 5.60% for the year ended March 31, 2012 due to a change in loan mix.

 

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Interest on securities available-for-sale decreased by $241,000 for the year ended March 31, 2013 as compared to the year ended March 31, 2012, caused by a 54 basis point decrease in the average yield of investment securities available-for-sale, partially offset by a $3,326,000 increase in the average balance of investment securities available-for-sale.

 

Interest on interest-bearing due from banks was $21,000 for the year ended March 31, 2013 as compared to $24,000 for the year ended March 31, 2012, as a result of a decrease of $2,108,000 in average balance from $9,760,000 for the year ended March 31, 2012 to $7,652,000 for the year ended March 31, 2013 partially offset by an increase in yield of 2 basis points from 0.25% for the year ended March 31, 2012 to 0.27% for the year ended March 31, 2013.

 

Interest on total deposits decreased to $1,576,000 for the year ended March 31, 2013 from $1,988,000 for the year ended March 31, 2012, due to a 31 basis point decrease in the average cost of interest-bearing deposits. Interest on certificates of deposits decreased $390,000 to $1,521,000 for the year ended March 31, 2013 as a result of the decrease in average cost of time deposits of 38 basis points and a decrease in average balances of $770,000. Interest on savings deposits decreased $12,000 to $33,000 for the year ended March 31, 2013 as a result of the decrease in average cost of savings deposits of 6 basis points partially offset by an increase in average balances of $1,926,000. Interest on NOW and money market deposit accounts decreased $10,000 to $21,000 for the year ended March 31, 2013, as a result of a decrease in average cost of NOW and money market deposits of 9 basis points and a decrease in average balances of $912,000 to $8,232,000 for the year ended March 31, 2013.

 

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Average Balance and Yields. The following table for the years ended March 31, 2013 and 2012 presents information regarding the Company’s average balances of assets and liabilities, the total dollar amounts of interest income and dividends from average interest-earning assets, the total dollar amounts of interest expense on average interest-bearing liabilities, and the resulting average yields and costs. The yields and costs for the periods indicated are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances have been calculated using daily balances. Amortization of net deferred loan fees is included in interest income on loans and is insignificant. Nonaccruing loans have been included in the table as loans carrying a zero yield. No tax-equivalent adjustments were made.

 

   Year Ended March 31, 
   2013   2012 
   Average
Balance		   Interest   Yield/
Cost		   Average
Balance		   Interest   Yield/
Cost		 
Assets:                              
Interest-bearing deposits  $7,651,921   $20,855    0.27%  $9,759,937   $24,424    0.25%
Investment securities available-for-sale   57,124,532    785,048    1.37    53,798,745    1,026,505    1.91 
Loans receivable, net   83,275,502    4,330,099    5.20    84,254,085    4,722,400    5.60 
Other interest-earning assets   252,344    6,571    2.60    435,603    30,017    6.89 
Total interest-earning assets   148,304,299    5,142,573    3.47%   148,248,370    5,803,346    3.91%
Noninterest-earning assets   5,919,087              5,196,144           
Total assets  $154,223,386             $153,444,514           
                               
Liabilities and Shareholders’ Equity:                              
Time deposits  $100,451,169    1,521,162    1.51%  $101,221,578    1,910,906    1.89%
Savings   24,275,683    33,301    0.14    22,350,043    44,884    0.20 
NOW and money market accounts   8,231,598    21,445    0.26    9,143,474    31,734    0.35 
Total interest-bearing deposits   132,958,450    1,575,908    1.19    132,715,095    1,987,524    1.50 
Other interest-bearing liabilities   520,632    15    0.00    459,555    0    0.00 
Total interest-bearing liabilities   133,479,082    1,575,923    1.18%   133,174,650    1,987,524    1.49%
Noninterest-bearing deposits   5,871,691              5,981,456           
Other noninterest-bearing liabilities   520,875              344,520           
Total liabilities   139,871,648              139,500,626           
Total shareholders’ equity   14,351,738              13,943,888           
Total liabilities and shareholders’ equity  $154,223,386             $153,444,514           
                               
Net interest income       $3,566,650             $3,815,822      
Interest rate spread             2.29%             2.42%
Net interest margin             2.40%             2.57%
Average interest-earning assets to average interest-bearing liabilities             111.11%             111.32%

  

 
·Average loan balances include nonaccrual loans.
·For presentation in this table, balances and the corresponding average rates for investment securities are based upon historical cost, adjusted for amortization of premiums and accretion of discounts.

 

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Rate/Volume Analysis. The following table presents the dollar amount of changes in interest income and interest expense for the major categories of our interest-earning assets and liabilities. Information is provided for each category of interest-earning assets and interest-bearing liabilities with respect to (1) changes in volume, which is the change in volume multiplied by the prior year rate, and (2) changes in rate, which is the change in rate multiplied by the prior year volume. The combined effect of changes in both rate and volume has been allocated proportionately to the change due to volume and the change due to rate.

 

   Years Ended March 31,
2013 vs. 2012		   Years Ended March 31,
2012 vs. 2011		 
   Increase (Decrease)
Due to		   Total
Increase		   Increase (Decrease)
Due to		   Total
Increase		 
(Dollars in thousands)  Volume   Rate   (Decrease)   Volume   Rate   (Decrease) 
                         
Interest-earning assets:                              
Interest-bearing balances due from banks  $(6)  $2   $(4)  $(20)  $(5)  $(25)
Investment securities   68    (310)   (242)   39    (28)   11 
Loans receivable, net   (54)   (338)   (392)   (252)   (32)   (284)
Other interest-earning assets   (9)   (14)   (23)   0    0    0 
Total interest-earning assets   (1)   (660)   (661)   (233)   (65)   (298)
                               
Interest-bearing liabilities:                              
Time deposits   (15)   (375)   (390)   (13)   (238)   (251)
Savings deposits   4    (16)   (12)   0    (12)   (12)
NOW and Money market accounts   (3)   (7)   (10)   2    (11)   (9)
Total interest-bearing deposits   (14)   (398)   (412)   (11)   (261)   (272)
Other interest-bearing liabilities   0    0    0    0    0    0 
Total interest-bearing liabilities   (14)   (398)   (412)   (11)   (261)   (272)
Change in net interest income  $13   $(262)  $(249)  $(222)  $196   $(26)

 

Provision for Loan Losses. We maintain an allowance at a level necessary to absorb management’s best estimate of probable loan losses in the portfolio. Management considers, among other factors, historical loss experience, type and amount of loans, borrower concentrations and current conditions of the economy. In addition, the allowance considers the level of loans which management monitors as a result of inconsistent repayment patterns. Management has identified commercial real estate loans as an area for expected increased lending. Such loans carry a higher degree of credit risk than our historical single-family lending.

 

Our provision for loan losses decreased from $292,000 for the year ended March 31, 2012 to $230,000 for the year ended March 31, 2013. At March 31, 2013, the allowance for loan losses was $909,000, or 1.08% of the total end of period loan portfolio, compared to $837,000, or 0.98% of the total end of period loan portfolio, at March 31, 2012. Nonaccrual loans amounted to $314,000 of 1-4 single family residential mortgages, $16,000 of commercial loans and a consumer loan in the amount of $1,500 at March 31, 2013 and $288,000 at March 31, 2012. An additional commercial loan in the amount of $377,000 was 90 days delinquent and still accruing at March 31, 2013.

 

Management also reviews individual loans for which full collectability may not be reasonably assured and considers, among other matters, the estimated fair value of the underlying collateral. This evaluation is ongoing and results in variations in our provision for loan losses.

 

Net loan charge-offs amounted to $158,000 during the year ended March 31, 2013, compared to $91,000 during the year ended March 31, 2012. The 2013 net charge-offs were comprised of $68,000 of 1-4 single family residential mortgages and $89,000 for a land development loan.

 

Although management utilizes its best judgment in providing for losses, there can be no assurance that they will not have to change its allowance for loan losses in subsequent periods. Management will continue to monitor the allowance for loan losses and make additional provisions to the allowance as appropriate.

 

An analysis of the changes in the allowance for loan losses, non-performing loans and classified loans is presented under “—Risk Management—Analysis of Nonperforming and Classified Assets” and “—Risk Management—Analysis and Determination of the Allowance for Loan Losses.”

 

Noninterest Revenue. Noninterest revenue increased by $322,000 or 143.10% for the year ended March 31, 2013 to $547,000 as compared to $225,000 for the year ended March 31, 2012. The increase during the 2013 period was due to a decrease in the provision for ground rent losses of $156,000 as the ground rent portfolio was sold in the first quarter of the year ended March 31, 2013, increases in the gains on the sale of investment securities of $94,000 and an increase in gain on disposal of property by $71,000.

 

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Noninterest Expenses. Noninterest expense decreased by $89,000 or 2.38% from $3,759,000 for the year ended March 31, 2012 to $3,670,000 for the year ended March 31, 2013, primarily due to decreases salaries and employee benefits and occupancy and equipment expenses, partially offset by increases in other operating expenses and professional services expenses.

 

Income Tax Expense. For the years ended March 31, 2013 and 2012, we incurred no income tax expense. At March 31, 2013, we had a net operating loss carry-forward totaling approximately $643,000, which begins to expire during the year ending March 31, 2029. We also had a capital loss carry-forward of approximately $495,000, which expires during the year ending March 31, 2014. We have established a valuation allowance to reflect uncertainty as to our ability to realize our deferred tax asset. See note 12 of notes to the consolidated financial statements.

 

Risk Management

 

Overview. Managing risk is an essential part of successfully managing a financial institution. Our most prominent risk exposures are credit risk, interest rate risk and market risk. Credit risk is the risk of not collecting the interest and/or the principal balance of a loan or investment when it is due. Interest rate risk is the potential reduction of interest income as a result of changes in interest rates. Market risk arises from fluctuations in interest rates that may result in changes in the values of financial instruments, such as available-for-sale securities that are accounted for on a mark-to-market basis. Other risks that we face are operational risk, liquidity risk and reputation risk. Operational risk includes risks related to fraud, regulatory compliance, processing errors, technology and disaster recovery. Liquidity risk is the possible inability to fund obligations to depositors, lenders or borrowers. Reputation risk is the risk that negative publicity or press, whether true or not, could cause a decline in our customer base or revenue.

 

Credit Risk Management. Our strategy for credit risk management focuses on having well-defined credit policies and uniform underwriting criteria and providing prompt attention to potential problem loans. We do not offer, and have not offered, sub-prime or no-documentation mortgage loans or Alt-A mortgage loans.

 

When a borrower fails to make a required loan payment, we take a number of steps to have the borrower cure the delinquency and restore the loan to current status. When the loan becomes 15 day past due, a late notice is sent to the borrower. When the loan becomes 30 days past due, a more formal letter is sent. When the loan is 15 to 30 days past due, telephone calls are also made to the borrower. After 30 days, we regard the borrower in default. At 60 days delinquent, the borrower may be sent a letter from our attorney and we may commence collection proceedings. If a foreclosure action is instituted and the loan is not brought current, paid in full, or refinanced before the foreclosure sale, the real property securing the loan generally is sold at foreclosure. Generally, when a consumer loan becomes 60 days past due, we institute collection proceedings and attempt to repossess any personal property that secures the loan. Management informs the board of directors monthly of the amount of loans delinquent more than 30 days, all loans in foreclosure and repossessed property that we own.

 

Analysis of Nonperforming and Classified Assets. We consider repossessed assets and loans that are 90 days or more past due to be non-performing assets. Loans are generally placed on nonaccrual status when they become 90 days delinquent, at which time the accrual of interest ceases and the allowance for any uncollectible accrued interest is established and charged against interest revenue. Typically, payments received on a nonaccrual loan are first applied to the outstanding principal balance.

 

Real estate that we acquire as a result of foreclosure or by deed-in-lieu of foreclosure is classified as foreclosed real estate until it is sold. When property is acquired it is recorded at the lower of its cost, which is the unpaid balance of the loan, or estimated fair market value at the date of foreclosure less estimated selling costs. Any holding costs and declines in estimated fair value after acquisition of the property result in charges against income.

 

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The following table provides information with respect to our non-performing assets at the dates indicated.

 

   At March 31, 
   2013   2012 
Non-accrual loans:          
Loans secured by mortgages:          
Residential:          
1-4 Single family  $313,581   $287,603 
Multi-family   0    0 
Lines of credit   0    0 
Commercial   0    0 
Land   0    0 
Farm loans guaranteed by the USDA   0    0 
Residential construction   0    0 
Subtotal   313,581    287,603 
Consumer   1,527    0 
Commercial   15,577    0 
Total   330,685    287,603 
           
Accruing loans past due 90 days or more:          
Loans secured by mortgages:          
Residential:          
1-4 Single family   0    606,624 
Multi-family   0    0 
Lines of credit   0    0 
Commercial   376,579    0 
Land   0    0 
Farm loans guaranteed by the USDA   0    0 
Residential construction   0    0 
Subtotal   376,579    606,624 
Consumer   0    0 
Commercial   0    0 
Total   376,579    606,624 
Total of nonaccrual and 90 days or more past due loans   707,264    894,227 
           
Foreclosed real estate   55,000    0 
Other nonperforming assets   0    0 
Total nonperforming assets   762,264    894,227 
           
Troubled debt restructurings   379,930    381,466 
           
Troubled debt restructurings and total nonperforming assets  $1,142,194   $1,275,693 
           
Total nonperforming loans to total loans   0.84%   1.04%
Total nonperforming loans to total assets   0.47%   0.58%
Total nonperforming assets and troubled debt restructurings to total assets   0.76%   0.82%

 

At March 31, 2013, nonaccrual loans consisted of nine residential mortgage loans with a total contractual balance of $432,321 and after charge-offs of $118,741 the recorded balance is $313,580, one commercial loan with a contractual balance of $15,837 with no charge-offs and one consumer loan with a contractual balance of $1,527 with no charge-offs.

 

At March 31, 2012, nonaccrual loans consisted of six residential mortgage loans. The contractual balance on the loans was $368,403, and after charge-offs of $80,800 the recorded balance is $287,603.

 

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For further information on our methodology for establishing specific valuation allowances, see “—Analysis and Determination of the Allowance for Loan Losses — Specific Valuation Allowance

 

We occasionally modify loans to extend the term to help borrowers stay current on their loan and to avoid foreclosure. At March 31, 2013, we had ten 1-4 single family mortgage loans totaling $1,650,100 that we had modified the terms either by extending the term or increasing the payments to allow the customer to become current. We did not forgive any principal or interest, or modify the interest rates on the loans. Seven of these ten modified loans were current, two of these ten with balances of $377,707 were 30-59 days delinquent and one of these ten with a balance of $239,351 was 90 days or greater delinquent at March 31, 2013. Two of these loans totaling $379,930 were considered to be troubled debt restructurings at March 31, 2013 and both of these loans are current. During the year ended March 31, 2013 we modified one 1-4 single family mortgage loan which was considered a troubled debt restructuring. The balance of this loan was $7,351 as of March 31, 2013.

 

At March 31, 2012, we had seven 1-4 single family mortgage loans totaling approximately $1.1 million that we had modified the terms either by extending the term or increasing the payments to allow the customer to become current. We did not forgive any principal or interest or modify the interest rates on the loans. Three of the seven were 30-59 days delinquent at March 31, 2012. We had one loan in the amount of $381,000 that was considered a troubled debt restructuring at March 31, 2012.

 

Interest income that would have been recorded as of March 31, 2013 and 2012 had non-accrual loans been current according to their original terms, amounted to approximately $27,000 and $13,000, respectively.

 

Classified Assets. Federal regulations require us to review and classify our assets on a regular basis. In addition, the Office of the Comptroller of the Currency has the authority to identify problem assets and, if appropriate, require them to be classified. There are three classifications for problem assets; substandard, doubtful and loss. “Substandard assets” must have one or more defined weakness and are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. “Doubtful assets” have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss. An asset classified “loss” is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted. The regulations also provide for a “special mention” category, described as assets which do not currently expose an institution to a sufficient degree of risk to warrant classification but do possess credit deficiencies or potential weaknesses deserving close attention. When we classify an asset as substandard or doubtful we may charge off an amount deemed to be uncollectable. If we classify an asset as loss, we charge off an amount equal to 100% of the portion of the asset classified loss.

 

The following table shows the aggregate amounts of our classified and criticized assets at the dates indicated.

 

   At March 31, 
   2013   2012 
         
Special mention assets  $7,709,857   $4,969,448 
Substandard assets   910,216    1,398,962 
Doubtful assets   0    0 
Loss assets   0    0 
Total classified and criticized assets  $8,620,073   $6,368,410 

 

Classified and criticized assets include loans that are classified due to factors other than payment delinquencies, such as lack of current financial statements and other required documentation, insufficient cash flows or other deficiencies, and, therefore, are not included as non-performing assets. Other than as disclosed in the above tables, there are no other loans where management has serious doubts about the ability of the borrowers to comply with the present loan repayment terms. Also included in classified and criticized assets are delinquent ground rents (that have a specific reserve) and foreclosed real estate.

 

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At March 31, 2013, we had $7,710,000 of special mention loans which were not currently classified as non-accrual, 90 days past due, restructured or impaired but where known information about possible credit deficiencies of borrowers caused management to have concerns as to the ability of the borrowers to comply with present loan repayment terms. Included in this category were $510,000 in residential real estate loans that have experienced some delinquency, two commercial loans totaling $373,000 that were previously delinquent and are now performing, three commercial real estate loans totaling $3,431,000 that are performing, three land loans totaling $2,106,000 that are performing, and four residential construction loans in the amount of $1,290,000 that are performing.

 

Of the $910,000 of substandard assets at March 31, 2013, $55,000 was a 1-4 single family residence classified as foreclosed real estate, $321,000 were 1-4 single family residential mortgage loans with cumulative charge-offs of $119,000, $377,000 was a commercial real estate loan, $140,000 was a land loan with cumulative charge-offs of $89,500, $1,000 was a consumer loan, and $16,000 was a commercial loan.

 

Delinquencies. The following table provides information about delinquencies in our loan portfolio at the dates indicated.

 

  

 At March 31,

 
   2013   2012 
   30-89 Days   90 Days or More   30-89 Days   90 Days or More 
   Number
Of
Loans		   Principal
Balance
Of Loans		   Number
Of
Loans		   Principal
Balance
Of Loans		   Number
Of
Loans		   Principal
Balance
Of Loans		   Number
Of
Loans		   Principal
Balance
Of Loans		 
                                 
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   11   $650,948    10   $313,580    12   $1,403,581    8   $816,600 
Multi-family   0    0    0    0    0    0    0    0 
Lines of credit                       0    0         0 
Commercial   0    0    1    376,579    1    384,887    0    0 
Land   0    0    0    0    0    0    0    0 
Farm loans guaranteed by the USDA   0    0    0    0    0    0    0    0 
Residential construction   1    424,938    0    0    0    0    0    0 
    12    1,075,886    11    690,159    13    1,788,468    8    816,600 
Consumer   1    3,494    1    1,527    1    50    0    0 
Commercial   0    0    1    15,577    1    31,194    0    0 
Total   13   $1,079,380    13   $707,263    15   $1,819,712    8   $816,600 

 

Analysis and Determination of the Allowance for Loan Losses

 

The allowance for loan losses is a valuation allowance for probable losses inherent in the loan portfolio. We evaluate the need to establish allowances against losses on loans on a quarterly basis. When additional allowances are necessary, a provision for loan losses is charged to earnings. Our methodology for assessing the appropriateness of the allowance for loan losses is reviewed periodically by the board of directors. The board of directors also reviews the allowance for loan losses established on a quarterly basis.

 

General Valuation Allowance. We establish a general valuation allowance for loans that should be adequate to reserve for the estimated credit losses inherent in each segment of our loan portfolio, given the facts and circumstances as of the valuation date for all loans in the portfolio that have not been classified. The allowance is based on our average annual rate of net charge offs experienced over the previous three years on each segment of the portfolio and is adjusted for current qualitative factors. If historical loss data is not available for a segment, the estimates used will be based on various components such as industry averages. For purposes of determining the estimated credit losses, the loan portfolio is segmented as follows: (i) residential real estate loans (single-family); (ii) commercial real estate loans; (iii) commercial loans (secured); (iv) commercial loans (unsecured and leases); and (v) consumer loans. Qualitative factors that are considered in determining the adequacy of the allowance for loan losses are as follows: (i) trends of delinquent and non-accrual loans; (ii) economic factors; (iii) concentrations of credit; (iv) changes in the nature and volume of the loan portfolio; and (v) changes in lending staff and loan policies.

 

Specific Valuation Allowance. All adversely classified loans meeting the following loan balance thresholds are individually reviewed: (i) residential loans greater than $100,000; (ii) commercial real estate loans and land loans greater than $50,000; (iii) consumer loans greater than $25,000; and (iv) all other commercial loans. Any portion of the recorded investment in excess of the fair value of the collateral that can be identified as uncollectible is charged off against the allowance for loan losses.

 

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We establish a specific allowance for loan losses for 100% of the assets or portions thereof classified as loss. The amount of the loss will be the excess of the recorded investment in the loan over the fair value of collateral estimated on the date that a probable loss is identified. Management obtains updated appraisals with respect to loans secured by real estate.

 

All other adversely classified loans as well as special mention and watch loans are monitored monthly. Our historical loss experience in each category of loans is utilized in determining the allowance for that group. The loss history will be based on the average actual loss sustained from the sale of real estate owned. If we have not experienced any losses in a particular category, the factor will be determined from either the loss history of a reasonably similar category or the peer group industry average. The determined loss factor in each loan category may be adjusted for qualitative factors as determined by management.

 

At March 31, 2013 and 2012, there were no loans that were delinquent or restructured or modified as the result of being a “sub-prime” loan or a loan underwritten with limited or no documentation.

 

Unallocated Valuation Allowance. Our allowance for loan losses methodology also includes an unallocated component to reflect the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the loan portfolio.

 

The following table sets forth the breakdown of the allowance for loan losses by loan category at the dates indicated. The allocation of the allowance to each category is not necessarily indicative of future losses and does not restrict the use of the allowance to absorb losses in any category.

 

   2013   2012 
   Loan
Balance		   Allowance
for Loan
Losses
Amount		   % of
Allowance
to Total
Allowance		   Loan
Balance		   Allowance
for Loan
Losses
Amount		   % of
Allowance
to Total
Allowance		 
Loans secured by mortgages:                              
Residential:                              
1-4 Single family  $54,604,184   $343,110    37.73%  $53,002,752   $372,404    44.49%
Multi-family   1,513,209    19,218    2.11    1,593,173    18,705    2.23 
Lines of credit   2,658,271    15,950    1.75    2,247,787    13,817    1.65 
Commercial   14,553,616    258,443    28.42    14,885,346    188,199    22.48 
Land   4,191,616    95,200    10.47    6,568,154    152,621    18.23 
Farm loans guaranteed by the USDA   888,544    0    0.00    0    0    0.00 
Residential construction   1,367,134    36,459    4.01    1,203,508    16,417    1.96 
    79,776,574    768,380    84.49    79,500,720    762,163    91.04 
Consumer   403,331    2,802    0.31    612,326    3,103    0.37 
Commercial   4,090,168    60,147    6.61    5,624,473    71,149    8.51 
   $84,270,072    831,329    91.41   $85,737,519    836,415    99.92 
Unallocated        78,159    8.59         648    0.08 
Total Allowance for loan losses       $909,488    100.00%       $837,063    100.00%

 

Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance for loan losses may be necessary, and our results of operations could be adversely affected if circumstances differ substantially from the assumptions used in making the determinations. Furthermore, while we believe we have established our allowance for loan losses in conformity with generally accepted accounting principles, there can be no assurance that the Office of the Comptroller of the Currency, in reviewing our loan portfolio, will not require us to increase our allowance for loan losses. The Office of the Comptroller of the Currency may require us to increase our allowance for loan losses based on judgments different from ours. In addition, because future events affecting borrowers and collateral cannot be predicted with certainty, there can be no assurance that the existing allowance for loan losses is adequate or that increases will not be necessary should the quality of any loans deteriorate as a result of the factors discussed above. Any material increase in the allowance for loan losses may adversely affect our financial condition and results of operation.

 

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Analysis of Loan Loss Experience. The following table sets forth an analysis of the allowance for loan losses for the periods indicated.

 

   At or for the 
   Year Ended March 31, 
   2013   2012 
         
Allowance for loan losses at beginning of period  $837,063   $635,535 
Provision for loan losses   230,000    292,099 
Recoveries:          
Loans secured by mortgages::          
Residential:          
1-4 Single family   7,401    3,366 
Multi-family   0    0 
Lines of credit   0    0 
Commercial   0    0 
Land   0    0 
Farm loans guaranteed by the USDA   0    0 
Residential construction   0    0 
    7,401    3,366 
Consumer   0    0 
Commercial   236    65 
Total recoveries   7,637    3,431 
           
Charge-offs:          
Loans secured by mortgages::          
Residential:          
1-4 Single family   75,712    80,800 
Multi-family   0    0 
Lines of credit          
Commercial   0    0 
Land   89,500    0 
Farm loans guaranteed by the USDA   0    0 
Residential construction   0    0 
    165,212    80,800 
Consumer   0    0 
Commercial   0    13,202 
Total charge-offs   165,212    94,002 
Net charge-offs   157,575    90,571 
           
Allowance for loan losses at end of period  $909,488   $837,063 
           
Allowance for loan losses to non-performing loans   128.59%   93.61%
Allowance for loan losses to total loans outstanding at the end of the period   1.08%   0.98%
Net charge-offs (recoveries) to average loans outstanding during the period   0.19%   0.11%

 

Interest Rate Risk Management. We manage the interest rate sensitivity of our interest-bearing liabilities and interest-earning assets in an effort to minimize the adverse effects of changes in the interest rate environment. Deposit accounts typically react more quickly to changes in market interest rates than mortgage loans because of the shorter maturities of deposits. As a result, sharp increases in interest rates may adversely affect our earnings while decreases in interest rates may beneficially affect our earnings. To reduce the potential volatility of our earnings, we have sought to improve the match between asset and liability maturities and rates, while maintaining an acceptable interest rate spread. Our strategy for managing interest rate risk emphasizes adjusting our loan mix by adding more loans with variable rates and adjusting our investment portfolio mix and duration. We currently do not participate in hedging programs, interest rate swaps or other activities involving the use of derivative financial instruments.

 

We have an Asset/Liability Management Committee, which includes members of management selected by the board of directors, to communicate, coordinate and control all aspects involving asset/liability management. The committee establishes and monitors the volume, maturities, pricing and mix of assets and funding sources with the objective of managing assets and funding sources to provide results that are consistent with liquidity, growth, risk limits and profitability goals.

 

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Our goal is to manage asset and liability positions to moderate the effects of interest rate fluctuations on net interest and net income.

 

Interest Rate Risk Analysis. We currently use the interest rate risk analysis provided by a third party to calculate our level of interest rate risk. This analysis measures interest rate risk by capturing net interest income at risk (NII), also called Earnings at Risk (EAR), and changes in economic value of equity (EVE). EVE represents the market value of portfolio equity and is equal to the market value of assets minus the market value of liabilities, with adjustments made for off-balance sheet items. These analyses assess the risk of loss in market assets and liabilities in the event of a sudden and sustained 100 to 400 basis point increase in market interest rates or 100 basis point decrease in market interest rates with no effect given to any steps that we might take to counter the effect of that interest rate movement.

 

The following table, which is based on information that we furnish to our third-party provider, presents our change in the EAR and changes in the EVE at March 31, 2013 that would occur in the event of an immediate change in interest rates as described above, with no effect given to any steps that we might take to counteract that change.

 

   Economic Value of Equity (EVE)   Earnings at Risk (EAR) 
Change
(in Basis points)
In Rates		  Amount
(000)		   % Change   EVE
 Ratio		   Amount 
(000)		   % Change 
                     
+400  $(7,883.5)   (49.0)   5.80%  $(193.2)   (5.6)
+300   (5,805.3)   (36.1)   7.11    (72.1)   (2.1)
+200   (3,483.8)   (21.7)   8.50    37.5    1.1 
+100   (1,541.2)   (9.6)   9.61    124.7    3.6 
0   0.0    0.0    10.44    0.0    0.0 
-100   (606.3)   (3.8)   10.05    (330.1)   (9.5)

 

Memo (000):    
EVE under current interest rates:  $16,088.2 
NII under current interest rates:  $3,461.8 

 

We use various assumptions in assessing interest rate risk. These assumptions relate to interest rates, loan prepayment rates, deposit decay rates and the market values of certain assets under differing interest rate scenarios, among others. As with any method of measuring interest rate risk, certain shortcomings are inherent in the methods of analysis presented in the foregoing table. For example, although certain assets and liabilities may have similar maturities or periods to repricing, they may react in different degrees to changes in market interest rates. Also, the interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while interest rates on other types may lag behind changes in market rates. Additionally, certain assets, such as adjustable-rate mortgage loans, have features that restrict changes in interest rates on a short-term basis and over the life of the asset. Further, if there is a change in interest rates, expected rates of prepayments on loans and early withdrawals from certificates could deviate significantly from those assumed. Prepayment rates can have a significant impact on interest income. Because of the large percentage of loans and mortgage-backed securities we hold, rising or falling interest rates have a significant impact on the prepayment speeds of our earning assets that in turn affect the rate sensitivity position. When interest rates rise, prepayments tend to slow. When interest rates fall, prepayments tend to rise. Our asset sensitivity would be reduced if prepayments slow and vice versa. While we believe these assumptions to be reasonable, there can be no assurance that assumed prepayment rates will approximate actual future mortgage-backed security and loan repayment activity.

 

Liquidity and Capital Resources

 

Liquidity is the ability to meet current and future financial obligations of a short-term nature. Our primary sources of funds available to meet short-term liquidity needs consist of deposit inflows, loan repayments and maturities and sales of investment securities. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition. We regularly adjust our investments in liquid assets available to meet short-term liquidity needs based upon our assessment of (i) expected loan demand, (ii) expected deposit flows, (iii) yields available on interest-earning deposits and securities and (iv), the objectives of our asset/liability management policy. We do not have long-term debt or other financial obligations that would create long-term liquidity concerns.

 

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Our most liquid assets are cash and cash equivalents and interest-bearing deposits. The level of these assets depends on our operating, financing, lending and investing activities during any given period. At March 31, 2013, cash and cash equivalents totaled $4.8 million. Securities classified as available-for-sale amounted to $56.3 million. The certificates of deposit in banks of $500,000 at March 31, 2013 provide additional sources of liquidity. Our liquidity has increased as customers have sought the safety of FDIC-insured deposits. In addition, at March 31, 2013, we had the ability to borrow a total of approximately $30.3 million from the Federal Home Loan Bank of Atlanta and we have $7.0 million in lines of credit with two large financial institutions. At March 31, 2013, we had no Federal Home Loan Bank advances outstanding or borrowings on the lines of credit.

 

At March 31, 2013, we had $5.2 million in commitments to extend credit outstanding. Certificates of deposit due within one year of March 31, 2013 totaled $44.1 million, or 46.3% of certificates of deposit. We believe the large percentage of certificates of deposit that mature within one year reflects customers’ hesitancy to invest their funds for long periods due to the recent low interest rate environment and local competitive pressures. If these maturing deposits do not remain with us, we will be required to seek other sources of funds, including other certificates of deposit and borrowings. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit due on or before March 31, 2013. We believe, however, based on past experience that a significant portion of our certificates of deposit will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

 

The following table presents certain of our contractual obligations as of March 31, 2013.

 

       Payments Due by Period 
Contractual Obligations  Total   One Year
or Less		   Over One
to Three
Years		  

Over Three 

to Five
 Years

   More Than
Five Years		 
                     
Long-term debt obligations  $0   $0   $0   $0   $0 
Capital lease obligations   0    0    0    0    0 
Operating lease obligations   2,651,753    291,758    614,577    655,399    1,090,019 
Loan purchase obligations   0    0    0    0    0 
Other long-term liabilities reflected on balance sheet   0    0    0    0    0 
Total  $2,651,753   $291,758   $614,577   $655,399   $1,090,019 

 

Our primary investing activities are the origination of loans and the purchase of securities. Our primary financing activity is the origination of deposit accounts. Deposit flows are affected by the overall level of interest rates, the interest rates and products offered by us compared to our local competitors, and other factors. We generally manage the pricing of our deposits to be competitive. Occasionally, we offer promotional rates on certain deposit products to attract deposits.

 

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Financing and Investing Activities

 

Capital Management. The Bank is subject to various regulatory capital requirements administered by the Office of the Comptroller of the Currency, including a risk-based capital measure. The risk-based capital guidelines include both a definition of capital and a framework for calculating risk-weighted assets by assigning balance sheet assets and off-balance sheet items to broad risk categories. At March 31, 2013, we exceeded all of our regulatory capital requirements and were considered “well capitalized” under regulatory guidelines.

 

Off-Balance Sheet Arrangements. In the normal course of operations, we engage in a variety of financial transactions that, in accordance with generally accepted accounting principles, are not recorded in our financial statements. These transactions involve, to varying degrees, elements of credit, interest rate, and liquidity risk. Such transactions are used primarily to manage customers’ requests for funding and take the form of loan commitments, unused lines of credit, and letters of credit. For information about our loan commitments, unused lines of credit, and letters of credit, see note 8 of the notes to the audited consolidated financial statements contained in this Annual Report on Form 10-K.

 

For the year ended March 31, 2013, we did not engage in any off-balance sheet transactions reasonably likely to have a material effect on our financial condition, results of operations or cash flows.

 

Effect of Inflation and Changing Prices

 

The consolidated financial statements and related financial data presented in this report have been prepared according to generally accepted accounting principles in the United States, which require the measurement of financial positions and operating results in terms of historical dollars without considering the change in the relative purchasing power of money over time due to inflation. The primary impact of inflation on our operations is reflected in increased operating costs. Unlike most industrial companies, virtually all the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates generally have a more significant impact on a financial institution’s performance than do general levels of inflation. Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.

 

52
 

 

Item 7A. Quantitative and Qualitative Disclosure about Market Risk

 

This item is not applicable as the Company is a smaller reporting company.

 

Item 8. Financial Statements and Supplementary Data

 

The information required by this item is included herein beginning on page 59.

 

Item 9. Changes in and Disagreement with Accountants on Accounting and Financial Disclosure

 

Not applicable.

 

Item 9A. Controls and Procedures

 

(a)Disclosure Controls and Procedures

 

The Company’s management, including the Company’s principal executive officer and principal financial officer, have evaluated the effectiveness of the Company’s “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended, (the “Exchange Act”). Based upon their evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the Company files or submits under the Exchange Act with the Securities and Exchange Commission (the “SEC”) (1) is recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms, and (2) is accumulated and communicated to the Company’s management, including its principal executive and principal financial officers, as appropriate to allow timely decisions regarding required disclosure.

 

(b)Internal Control Over Financial Reporting

 

53
 

  

 

MANAGEMENT’S ANNUAL REPORT ON INTERNAL CONTROL

OVER FINANCIAL REPORTING

 

Management of Madison Bancorp, Inc. (the “Company”) is responsible for the preparation, integrity, and fair presentation of the consolidated financial statements included in this annual report. The Company’s consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America and, as such, include some amounts that are based on the best estimates and judgments of management.

 

The Company’s management is responsible for establishing and maintaining adequate internal control over financial reporting. The internal control system is designed to provide reasonable assurance to management and the Board of Directors regarding the reliability of the company’s financial reporting and the preparation and presentation of financial statements for external reporting purposes in conformity with accounting principles generally accepted in the United States of America, as well as to safeguard assets from unauthorized use or disposition. The system of internal control over financial reporting is evaluated for effectiveness by management and tested for reliability through a program of internal audit with actions taken to correct potential deficiencies as they are identified. Because of inherent limitations in any internal control system, no matter how well designed, misstatements due to error or fraud may occur and not be detected, including the possibility of the circumvention or overriding of controls. Accordingly, even an effective internal control system can provide only reasonable assurance with respect to financial statement preparation. Further because of changes in conditions, internal control effectiveness may vary over time.

 

Management assessed the effectiveness of the company’s internal control over financial reporting as of March 31, 2013 based upon criteria set forth in Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”).

 

Based on this assessment and on the forgoing criteria, management has concluded that, as of March 31, 2013, the Company’s internal control over financial reporting is effective.

 

 

/s/ Michael P. Gavin  
Michael P. Gavin  
President, Chief Executive Officer  
 and Chief Financial Officer  

 

54
 

 

(c) Changes to Internal Control Over Financial Reporting

 

There were no changes in the Company’s internal control over financial reporting during the three months ended March 31, 2013 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

Item 9B. Other Information

 

Not applicable.

 

PART III

 

Item 10. Directors, Executive Officers, and Corporate Governance

 

Directors

 

The information relating to the directors of the Company is incorporated herein by reference to the section captioned “Items to be Voted Upon by Stockholders – Item 1 - Election of Directors” in the Proxy Statement for the Company’s 2013 Annual Meeting of Stockholders (the “Proxy Statement”).

 

Executive Officers

 

The information regarding the Company’s executive officers is incorporated herein by reference to Part I, Item 1, “Description of Business — Executive Officers of the Company” of this Annual Report on Form 10-K.

 

Corporate Governance

 

Information regarding the Company’s Audit Committee and Audit Committee financial expert is incorporated herein by reference to the section captioned “Corporate Governance” in the Proxy Statement.

 

Compliance with Section 16(a) of the Exchange Act

 

Information regarding compliance with Section 16(a) of the Exchange Act, the cover page to this Form 10-K and the section captioned “Section 16(a) Beneficial Ownership Reporting Compliance” in the Proxy Statement are incorporated herein by reference.

 

Disclosure of Code of Ethics

 

In addition to having established committees of the board of directors, Madison Bancorp has also adopted certain policies to govern the activities of both the Company and the Bank, including a code of business conduct and ethics.

 

The code of business conduct and ethics, which applies to all employees and directors, addresses conflicts of interest, the treatment of confidential information, general employee conduct and compliance with applicable laws, rules and regulations. In addition, the code of business conduct and ethics is designed to deter wrongdoing and to promote honest and ethical conduct, the avoidance of conflicts of interest, full and accurate disclosure and compliance with all applicable laws, rules and regulations. The code of business conduct and ethics is filed as Exhibit 14 to this Annual Report on Form 10-K.

 

 

Item 11.  Executive Compensation

 

The information required by this item is incorporated herein by reference to the sections captioned “Executive Compensation” and “Director Compensation” in the Proxy Statement.

 

55
 

 

Item 12.  Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

 

(a)Information with respect to security ownership of certain beneficial owners required by this item is incorporated herein by reference to the section captioned “Stock Ownership” in the Proxy Statement.

 

(b)Information with respect to security ownership of management required by this item is incorporated herein by reference to the sections captioned “Stock Ownership” in the Proxy Statement.

 

(c)Changes in Control

 

Management of the Company knows of no arrangements, including any pledge by any person of securities of the Company, the operation of which may at a subsequent date result in a change in control.

 

(d)Equity Compensation Plans

 

The following table sets forth certain information as of March 31, 2013, with respect to the Company’s equity compensation plans.

 

Plan Category  (a)

Number of securities to be
issued upon exercise of
outstanding options,
warrants and rights		   (b)

Weighted-average exercise
price of outstanding options,
warrants and rights		   (c)
Number of securities
remaining available for
future issuance under
equity compensation plans
(excluding securities
reflected in column (a))		 
Equity compensation plans approved by security holders   23,670   $8.00    54,884 
Equity compensation plans not approved by security holders   0    N/A    0 
Total   23,670   $8.00    54,884 

 

Item 13.  Certain Relationships and Related Transactions, and Director Independence

 

Certain Relationships and Related Transactions

 

The information required by this item is incorporated herein by reference to the section captioned “Transactions with Related Persons” in the Proxy Statement.

 

Corporate Governance

 

For information regarding director independence, the section captioned “Corporate Governance – Director Independence” in the Proxy Statement is incorporated herein by reference.

 

Item 14. Principal Accountant Fees and Services

 

The information required by this item is incorporated herein by reference to the section captioned “Audit and Other Fees Paid to Independent Accountants” in the Proxy Statement.

 

56
 

 

PART IV

 

Item 15. Exhibits and Financial Statement Schedules

 

(a)List of Documents Filed as Part of this Report

 

(1)Financial Statements. The following consolidated financial statements are incorporated by reference from Item 8 hereof:

 

Consolidated Statements of Financial Condition as of March 31, 2013 and 2012

Consolidated Statements of Operations for the Years Ended March 31, 2013 and 2012

Consolidated Statements of Changes in Shareholders’ Equity for the Years Ended March 31, 2013 and 2012

Consolidated Statements of Cash Flows for the Years Ended March 31, 2013 and 2012

Notes to Consolidated Financial Statements

Report of Independent Registered Public Accounting Firm

 

(b)Exhibits. The following is a list of exhibits filed as part of this Annual Report on Form 10-K and is also the Exhibit Index.

 

No.   Description
     
3.1   Articles of Incorporation of Madison Bancorp, Inc. (1)
3.2   Bylaws of Madison Bancorp, Inc. (1)
4.0   Form of Common Stock Certificate of Madison Bancorp, Inc. (1)
10.1   +Employment Agreement between Madison Square Federal Savings Bank and Michael P. Gavin (1)
10.2   +Employment Agreement between Madison Square Federal Savings Bank and Ronald E. Ballard (1)
10.3   +Employment Agreement between Madison Square Federal Savings Bank and Melody P. Kline (1)
10.4   +Employment Agreement between Madison Square Federal Savings Bank and Kay Webster (1)
10.5   + Madison Square Federal Savings Bank Employee Severance Compensation Plan (1)
10.6   + Madison Square Federal Savings Bank Deferred Compensation Plan (1)
10.7   + Employment Agreement between Madison Bancorp Inc. and each of Michael P. Gavin,
    Ronald E. Ballard, Melody P. Kline and Kay Webster (1)
10.8   +Madison Bancorp, Inc. 2011 Equity Incentive Plan (2)
14.0   Code of Ethics (3)
21.0   Subsidiaries of Registrant
23.0   Consent of Rowles & Company
31.0   Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer and Chief Financial Officer
32.0   Section 1350 Certifications
101.0*   The following materials from the Company’s Annual Report on Form 10-K for the year ended March 31, 2013, formatted in XBRL (Extensible Business Reporting Language):  (i) Consolidated Statements of Financial Condition; (ii) Consolidated Statements of Operations; (iii) Consolidated Statements of Changes in Shareholders’ Equity; (iv) Consolidated Statements of Cash Flows; and (v) the Notes to the Consolidated Financial Statements

  

 
*   Furnished, not filed
+   Management contract or compensatory plan arrangement
(1)   Incorporated herein by reference to the Company’s Registration Statement on Form S-1 (File No. 333-167455).
(2)   Incorporated herein by reference to the Company’s definitive proxy statement (File No. 0-54081) filed on October 11, 2011.
(3)   Incorporated herein by reference
    to the Company’s Annual Report on Form 10-K for the year ended March 31, 2011 (File No. 0-54081).

 

57
 

 

INDEX TO AUDITED CONSOLIDATED FINANCIAL STATEMENTS OF

MADISON BANCORP, INC.

 

   

Page No.

     
Report of Independent Registered Public Accounting Firm   59
     
Consolidated Statements of Financial Condition as of March 31, 2013 and 2012   60
     
Consolidated Statements of Operations for the Years Ended March 31, 2013 and 2012   61
     
CConsolidated Statements of Comprehensive Income for the Years Ended March 31, 2013 and 2012   62
     
Consolidated Statements of Changes in Shareholders’ Equity for the Years Ended March 31, 2013 and 2012   63
     
Consolidated Statements of Cash Flows for the Years Ended March 31, 2013 and 2012   64
     
Notes to Consolidated Financial Statements   65

 

58
 

 

 

  

 

Report of Independent Registered Public Accounting Firm

 

  

The Board of Directors and Shareholders

Madison Bancorp, Inc.

Baltimore, Maryland

 

We have audited the accompanying consolidated statements of financial condition of Madison Bancorp, Inc. and Subsidiaries as of March 31, 2013 and 2012, and the related consolidated statements of operations, comprehensive income, changes in shareholders' equity, and cash flows for the years then ended. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.

 

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audit included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

 

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Madison Bancorp, Inc. and Subsidiaries as of March 31, 2013 and 2012, and the results of their operations and their cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America.

 

 

  

Baltimore, Maryland

June 24, 2013

  

 

101 E. Chesapeake Avenue, Suite 300, Baltimore, Maryland 21286

410-583-6990 FAX 410-583-7061

Website: www.Rowles.com

 

59
 

  

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Financial Condition

March 31, 2013 and March 31, 2012

 

   2013   2012 
Assets          
Cash and due from banks  $663,720   $929,870 
Federal funds sold and interest-bearing deposits   4,149,416    9,805,343 
Cash and cash equivalents   4,813,136    10,735,213 
Certificates of deposit   499,862    737,975 
Investment securities available-for-sale   56,282,175    53,389,337 
Federal Home Loan Bank stock, at cost   181,800    234,500 
Loans receivable, net   83,540,352    84,986,411 
Premises and equipment, net   3,538,379    3,753,712 
Ground rents, net   0    290,000 
Foreclosed real estate   55,000    0 
Accrued interest receivable   421,538    428,042 
Prepaid expenses and other assets   569,604    689,937 
Total Assets  $149,901,846   $155,245,127 
Liabilities and Shareholders’ Equity          
Liabilities          
Deposits:          
Noninterest bearing  $5,971,726   $6,582,554 
Interest bearing   128,684,072    133,598,673 
Total Deposits   134,655,798    140,181,227 
Advances from borrowers for taxes and insurance   627,482    542,598 
Deferred income taxes   8,350    105,065 
Other liabilities   350,128    261,519 
Total Liabilities   135,641,758    141,090,409 
Shareholders’ Equity          
Common Stock, $.01 par value, 10,000,000 shares  authorized.  Issued: 608,116 shares at March 31, 2013 and 2012   6,081    6,081 
Additional paid-in capital   5,361,954    5,345,251 
Retained earnings   9,049,637    8,835,984 
Unearned ESOP shares   (338,813)   (362,300)
Accumulated other comprehensive income   181,229    329,702 
Total Shareholders’ Equity   14,260,088    14,154,718 
Total Liabilities and Shareholders’ Equity  $149,901,846   $155,245,127 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

60
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Operations

Years Ended March 31, 2013 and 2012

 

   2013   2012 
Interest Revenue          
Loans, including fees  $4,330,099   $4,722,400 
Investment securities available-for-sale   785,048    1,026,505 
Interest-bearing deposits   20,855    24,424 
Other   6,571    30,017 
Total Interest Revenue   5,142,573    5,803,346 
Interest Expense          
Deposits:          
Time   1,521,162    1,910,906 
Savings   33,301    44,884 
NOW and Money Market   21,445    31,734 
Borrowings   15    0 
Total Interest Expense   1,575,923    1,987,524 
Net Interest Income   3,566,650    3,815,822 
Provision for Loan Losses   230,000    292,099 
Net Interest Income after Provision for Loan Losses   3,336,650    3,523,723 
Noninterest Revenue          
Gain on sale of investment securities   292,321    198,029 
Gain (loss) on disposal of property   71,026    (262)
Provision for ground rent losses   0    (155,956)
Other   183,301    183,051 
Total Noninterest Revenue   546,648    224,862 
Noninterest Expenses          
Salaries and employee benefits   1,981,428    2,041,880 
Occupancy and equipment expense   841,936    865,591 
Advertising   10,379    12,203 
Professional services   196,590    184,672 
FDIC premiums and regulatory assessments   169,155    194,175 
Data processing   204,901    213,622 
Stationery and postage   69,398    79,075 
Other operating expenses   195,858    167,914 
Total Noninterest Expense   3,669,645    3,759,132 
Income (Loss) Before Income Taxes   213,653    (10,547)
Income Tax Expense   0    0 
Net Income (Loss)  $213,653   $(10,547)
Net income (loss) per common share - basic  $0.37   $(0.02)
Net income (loss) per common share - diluted  $0.37   $(0.02)

 

The accompanying notes are an integral part of these consolidated financial statements.

 

61
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Comprehensive Income

Years Ended March 31, 2013 and 2012

  

   Years Ended 
   March 31, 
   2013   2012 
         
Net income (loss)  $213,653   $(10,547)
Other comprehensive income (loss):          
Securities available-for-sale:          
Net unrealized gain / (loss) during the period   47,135    992,405 
Reclassification adjustment for (gains) / losses in net income   (292,321)   (198,029)
    (245,186)   794,376 
Deferred tax expense (benefit):          
Securities available-for-sale:          
Net unrealized gain / (loss) during the period   18,593    391,453 
Reclassification adjustment for (gains) / losses in net income   (115,306)   (78,112)
    (96,713)   313,341 
Other comprehensive income (loss), net of tax   (148,473)   481,035 
Comprehensive income  $65,180   $470,488 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

62
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Changes in Shareholders’ Equity

Years Ended March 31, 2013 and 2012

 

                   Accumulated     
       Additional       Unearned   Other   Total 
   Common   Paid-in   Retained   ESOP   Comprehensive   Shareholders’ 
   Stock   Capital   Earnings   Shares   Income   Equity 
                         
Balance March 31, 2011  $6,081   $5,335,052   $8,846,531   $(397,300)  $(151,333)  $13,639,031 
Net loss             (10,547)             (10,547)
Net unrealized gain on available-for-sale securities, net of tax effect of $(313,341)                       481,035    481,035 
Stock-based compensation        15,449                   15,449 
ESOP shares released for allocation        (5,250)        35,000         29,750 
                               
Balance March 31, 2012  $6,081   $5,345,251   $8,835,984   $(362,300)  $329,702   $14,154,718 
                               
Balance March 31, 2012  $6,081   $5,345,251   $8,835,984   $(362,300)  $329,702   $14,154,718
Net income             213,653              213,653 
Net unrealized loss on available-for-sale securities, net of tax effect of $96,713                       (148,473)   (148,473)
Stock-based compensation        14,260                   14,260 
ESOP shares released for allocation        2,443         23,487         25,930 
Balance March 31, 2013  $6,081   $5,361,954   $9,049,637   $(338,813)  $181,229   $14,260,088 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

63
 

 

MADISON BANCORP, INC AND SUBSIDIARIES

Consolidated Statements of Cash Flows

Years Ended March 31, 2013 and 2012

 

  2013   2012 
Cash flows from Operating Activities        
Net income (loss)  $213,653   $(10,547)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:          
Amortization of investment securities, net   305,686    197,780 
Decrease (Increase) in net deferred loan costs   (93,812)   7,727 
Provision for loan losses   230,000    292,099 
Provision for ground rent losses   0    155,956 
Gain on sale of investment securities   (292,321)   (198,029)
(Gain) loss on disposal of property and equipment   (71,026)   262 
Loss on sale of foreclosed real estate   0    9,948 
Write-down of foreclosed real estate   2,000    10,000 
Depreciation and amortization   209,230    232,192 
ESOP activity   25,930    29,750 
Stock-based compensation   14,260    15,449 
Changes in operating assets and liabilities:          
Accrued interest receivable   6,504    12,641 
Prepaid expenses and other assets   120,333    175,264 
Other liabilities   88,609    (13,892)
Net cash provided by operating activities   759,046    916,600 
Cash flows from Investing Activities          
Decrease in loans receivable, net   1,252,871    892,261 
Decrease (Increase) in investment certificates of deposit, net   238,113    (255,302)
Activity in available-for-sale securities:          
Sales   21,035,062    28,599,397 
Maturities, repayments and calls   17,969,466    17,811,631 
Purchases   (42,155,919)   (46,380,770)
Purchase of property and equipment   (17,727)   (109,222)
Proceeds from sale of property and equipment   94,856    25 
Proceeds from redemption of FHLB stock   52,700    8,000 
Proceeds from sale of other real estate owned   0    414,052 
Proceeds from sale of ground rents   290,000    7,900 
Net cash provided by (used in) investing activities   (1,240,578)   987,972 
Cash flow from Financing Activities          
Increase (decrease) in deposits, net   (5,525,429)   662,871 
Increase (decrease) in advances from borrowers, net   84,884    (15,386)
Net cash provided by (used in) financing activities   (5,440,545)   647,485 
Net Change in Cash and Cash Equivalents   (5,922,077)   2,552,057 
Cash and Cash Equivalents, Beginning of Year   10,735,213    8,183,156 
Cash and Cash Equivalents, End of Year  $4,813,136   $10,735,213 
           
Supplemental disclosure:          
Loans transferred to foreclosed real estate  $57,000   $0 
Interest paid   1,592,630    1,987,390 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

64
 

 

MADISON BANCORP, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

MARCH 31, 2013

 

Note 1. Activities and Summary of Significant Accounting Policies

 

Madison Bancorp, Inc. (Company) was incorporated on May 20, 2010 to be the holding company for Madison Square Federal Savings Bank (Bank) in conjunction with the Bank’s plan of conversion from mutual to stock form of ownership. On October 6, 2010, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a mutual savings bank to a stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 608,116 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of $5,340,068, net of offering expenses of $741,092. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 7% of the sum of the number of shares, or 42,568 shares of common stock sold in the offering. All material intercompany accounts and transaction have been eliminated in consolidation.

 

In accordance with regulations in effect at the time of completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

 

Madison Square Federal Savings Bank was incorporated in 1870 under the laws of the State of Maryland. The Bank is a federally chartered savings bank engaged in banking and related services primarily in the Baltimore Metropolitan area.

 

Summary of Significant Accounting Policies

 

The accounting and reporting policies of Madison Bancorp, Inc. and Subsidiaries (collectively “Madison”) conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”) and to general practices in the banking industry. The more significant policies follow:

 

Principles of Consolidation. The accompanying consolidated financial statements include the accounts of the parent company and its wholly owned subsidiary, Madison Square Federal Savings Bank and its wholly owned subsidiary, Madison Financial Services Corporation (MFSC). MFSC is engaged in the business of insurance brokerage services primarily in the Baltimore area. All significant intercompany balances and transactions have been eliminated in consolidation.

 

Reclassifications. Certain prior year amounts have been reclassified to conform to current period classifications. The reclassifications had no effect on net loss, or the net change in cash and cash equivalents and are not material to previously issued financial statements.

 

Nature of Operations. Madison is a bank holding company that operates a community bank with 4 branches. Madison’s primary source of revenue is derived from loans to customers, who are predominately small and middle-market businesses and middle-income individuals.

 

Use of Estimates. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of commitments and contingent liabilities at the date of the financial statements and revenue and expenses during the year. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income tax valuation allowances, the fair value of investment securities and other-than-temporary impairment of investment securities.

 

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Significant Concentrations of Credit Risk. Substantially all of Madison’s loans are to enterprises and individuals in its market area. There is no concentration of loans to borrowers in any one industry or related industries that exceeds 10% of total loans.

 

Cash and Cash Equivalents. Cash and cash equivalents include cash on hand, balances due from banks, and federal funds sold.

 

Certificates of Deposit. Certificates of deposit that are not purchased through a broker and classified as available-for-sale, mature within 12 months and are recorded at cost.

 

Investment Securities. Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Madison did not have any securities classified as trading or held-to-maturity at March 31, 2013 or 2012. Amortization and accretion are recognized in interest revenue using the interest method. Debt securities that management has the intent and ability to hold to maturity are classified as held-to-maturity and carried at amortized cost. All other securities are classified as available-for-sale and reported at fair value.

  

Changes in unrealized gains and losses, net of related deferred taxes, for available-for-sale securities are recorded in accumulated other comprehensive income. The credit component of an other-than-temporary impairment is recorded in noninterest revenue and the non-credit component is recorded in accumulated other comprehensive income in the period in which the impairment is recognized. Realized gains and losses on securities are recognized using the specific identification method and are included in noninterest revenue.

 

Securities classified as available-for-sale include investments management intends to use as part of its asset/liability management strategy. Those securities that have long-term unrealized gains, for which fair value is greater than cost, may be sold in response to changes in interest rates, resultant prepayment risk, and other factors. Madison does not have the intent to sell any of its available-for-sale securities that are in an unrealized-loss position, and it is more likely than not that Madison will not be required to sell these securities before recovery of its amortized cost basis.

 

Management evaluates securities for impairment on a quarterly basis. Management assesses whether (a) it has the intent to sell a security being evaluated and (b) it is more likely than not that the Bank will be required to sell the security prior to its anticipated recovery. If neither applies, then declines in the fair values of securities below their cost that are considered other-than-temporary declines would be split into two components. The first is the loss attributable to declining credit quality. Credit losses are recognized in earnings as realized losses in the period in which the impairment determination is made. The second component consists of all other losses, which are recognized in other comprehensive income. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) adverse conditions specifically related to the security, (3) changes in the rating of the security by a rating agency, (4) recoveries or additional declines in fair value subsequent to the balance sheet date, (5) failure of the issuer of the security to make scheduled interest or principal payments, and (6) the payment structure of the debt security and the likelihood of the issuer being able to make payments in the future. Management also monitors cash flow projections for securities that are considered beneficial interests.

 

Federal Home Loan Bank Stock. Federal Home Loan Bank of Atlanta (the “FHLB”) stock is an equity interest in the FHLB, which does not have a readily determinable fair value for purposes of generally accepted accounting principles, because its ownership is restricted and it lacks a market. FHLB stock can be sold back only at par value of $100 per share and only to the FHLB or another member institution. As of March 31, 2013 and 2012, the Company owned shares totaling $181,800 and $234,500, respectively.

 

The Company evaluates the FHLB stock for impairment in accordance with generally accepted accounting principles. The Company’s determination of whether this investment is impaired is based on an assessment of the ultimate recoverability of its cost rather than by recognizing temporary declines in value. The determination of whether a decline in value affects the ultimate recoverability of its cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and accordingly on the customer base of the FHLB.

 

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 Loans Receivable. Loans receivable are stated at their outstanding unpaid principal balances, net of any deferred fees or costs, and the allowance for loan losses.

 

Loan origination fees and the direct costs of underwriting and closing loans are recognized over the life of the related loan as an adjustment to yield. Any differences that arise from prepayment will result in a recalculation of the effective yield.

 

Interest income on loans is accrued based on the principal amounts outstanding. The accrual of interest is discontinued when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. At the time the loan is classified as nonaccrual, all previously accrued interest is reversed from interest revenue. Revenue is subsequently recognized only to the extent cash payments are received until, in management’s judgment, the borrower’s ability to make periodic interest and principal payments is no longer in doubt. The loan is then returned to accrual status.

 

Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms. Generally, loans are not reviewed for impairment until the accrual of interest has been discontinued. If collection of principal is evaluated as doubtful, all payments are applied to principal. Impaired loans are measured: (i) at the present value of expected cash flows discounted at the loan’s effective interest rate; (ii) at the observable market price; or (iii) at the fair value of the collateral if the loan is collateral dependent. If the measure of the impaired loan is less than the recorded investment in the loan, an impairment is recognized through a valuation allowance and corresponding provision for loan losses.

 

Troubled debt restructurings are loans for which Madison, for legal or economic reasons related to a debtor’s financial difficulties, has granted a concession to the debtor that it otherwise would not have considered. Concessions that result in the categorization of a loan as a troubled debt restructuring include:

 

·Reduction (absolute or contingent) of the stated interest rate;

 

·Extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk;

 

·Reduction (absolute or contingent) of the face amount or maturity amount of the debt as stated in the instrument or other agreement; or

 

·Reduction (absolute or contingent) of accrued interest.

 

Allowance for Loan Losses. The allowance for loan losses is established, as losses are estimated to have occurred, through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Recoveries on previously charged-off loans are credited to the allowance.

 

The allowance for loan losses is increased by provisions charged to income and reduced by charge-offs, net of recoveries. Management’s periodic evaluation of the adequacy of the allowance is based on the Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and current economic conditions.

 

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Management considers a number of factors in estimating the required level of the allowance. These factors include: historical loss experience in the loan portfolios; the levels and trends in past-due and nonaccrual loans; the status of nonaccrual loans and other loans identified as having the potential for further deterioration; credit risk and industry concentrations; trends in loan volume; the effects of any changes in lending policies and procedures or underwriting standards; and a continuing evaluation of the economic environment. 

 

Premises and Equipment. Land is carried at cost. Buildings, land improvements, leasehold improvements, and furniture and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed primarily by the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized over the lesser of the lease term or the useful lives of the improvements. Maintenance and normal repairs are charged to noninterest expense as incurred, while additions and improvements to buildings and furniture and equipment are capitalized. Gains or losses on disposition of assets are reflected in earnings.

 

Long-lived assets are evaluated for impairment by management on an ongoing basis. Impairment may occur whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable.

 

Ground Rents. The Bank sold its entire ground rent portfolio in May 2012. Ground rents were carried at cost, less a valuation allowance, and had been held as a long-term investment. The Bank recorded an estimated valuation allowance for the quarter ended March 31, 2012, based on the terms of a contract to sell the ground rent portfolio for $290,000.

 

Foreclosed Real Estate. Real estate property acquired through foreclosure or other means is recorded at the lower of its carrying value or the fair value of the related real estate collateral at the transfer date less estimated selling costs. Losses incurred at the time of foreclosure are charged to the allowance for loan losses. Subsequent reductions in the estimated fair value of the property are recorded in noninterest expense. Costs to maintain other real estate are expensed as incurred.

 

 Off-Balance-Sheet Credit-Related Financial Instruments. In the ordinary course of business, Madison enters into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded or otherwise required to be recognized.

 

Accumulated Other Comprehensive Income. Madison records unrealized gains and losses on available-for-sale securities in accumulated other comprehensive income, net of taxes. Unrealized gains and losses on available-for-sale securities are reclassified into earnings as the gains or losses are realized upon sale of the securities. The credit component of unrealized losses on available-for-sale securities that are determined to be other-than-temporarily impaired are reclassified into earnings at the time the determination is made.

 

Income Taxes. Deferred income taxes reflect the temporary tax consequences on future years of differences between the financial statement and tax bases of assets and liabilities using enacted tax rates in effect for the year in which the difference is expected to reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax asset will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment.

 

Earnings per Common Share. Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share includes additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares relate to outstanding stock options, restricted stock, and warrants and are determined using the treasury stock method.

 

Subsequent Events. We evaluated subsequent events after March 31, 2013, through June 21, 2013, the date this report was available to be issued. No significant events were identified that would affect the presentation of the financial statements. 

 

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Recently Adopted Accounting Guidance

  

ASU 2011-11, “Balance Sheet (Topic 210) — “Disclosures about Offsetting Assets and Liabilities.” ASU 2011-11 amends Topic 210, “Balance Sheet,” to require an entity to disclose both gross and net information about financial instruments, such as sales and repurchase agreements, reverse sale and repurchase agreements and securities borrowing/lending arrangements, and derivative instruments that are eligible for offset in the statement of financial position and/or subject to a master netting arrangement or similar agreement. ASU 2013-01, “Balance Sheet (Topic 210) – Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities,” clarifies that ordinary trade receivables are not within the scope of ASU 2011-11. AUS 2011-11, as amended by ASU 2013-01, became effective on January 1, 2013, and did not have a significant impact on our financial statements.

 

ASU 2012-02 “Intangibles – Goodwill and Other (Topic 350) – Testing Indefinite-Lived Intangible Assets for Impairment.” ASU 2012-02 gives entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 became effective on January 1, 2013 and did not have a significant impact on our financial statements.

 

ASU 2012-06 “Business Combinations (Topic 805) – Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution (a consensus of the FASB Emerging Issues Task Force).” ASU 2012-06 clarifies the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution. Under ASU 2012-06, when a reporting entity recognizes an indemnification asset as a result of a government-assisted acquisition of a financial institution and, subsequently, a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification), the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). ASU 2012-06 became effective on January 1, 2013 and did not have a significant impact on our financial statements.

 

ASU 2013-02 “Comprehensive Income (Topic 220) – Reporting of Amounts of Reclassified Out of Accumulated Other Comprehensive Income.” ASU 2013-02 amends recent guidance related to the reporting of comprehensive income to enhance the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 became effective on January 1, 2013 and did not have a significant impact on our financial statements

 

Note 2. Net Income per Share

 

Basic earnings per share are computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. Both the basic and diluted earnings per share for the years ended March 31, 2013 and 2012 are summarized below:

 

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   Year Ended
March 31, 2013		   Year Ended
March 31, 2012		 
         
Net income (loss)  $213,653   $(10,547)
           
Average common shares outstanding   572,594    569,266 
Stock option adjustment   10,175    0 
Average common shares outstanding - diluted   582,769    569,266 
           
Net income (loss) per common share - basic  $0.37   $(0.02)
Net income (loss) per common share - diluted  $0.37   $(0.02)

 

Note 3. Cash and Cash Equivalents

 

The Company sells federal funds on an unsecured basis to correspondent banks. As of March 31, 2013 and 2012, the balance of federal funds sold on an unsecured basis was $173,535 and $173,185, respectively. As of March 31, 2013 and 2012, the Company had $168,629 and $1,244,143, respectively, invested in a money market account at a brokerage that is not covered by deposit insurance.

 

Financial institutions are required to carry noninterest-bearing cash reserves at specific percentages of deposit balances. The Bank’s normal amount of cash on hand and on deposit with other banks is sufficient to satisfy the reserve requirement.

 

Note 4. Investment Securities

 

The amortized cost and estimated fair value of investment securities at March 31, 2013 and 2012 are summarized as follows:

 

   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
March 31, 2013                    
Investment securities available-for-sale:                    
U.S. government agencies  $15,137,211   $18,332   $33,765   $15,121,778 
Brokered certificates of deposit   8,444,000    36,394    1,119    8,479,275 
Mortgage-backed securities (Agency)   18,802,845    256,680    37,871    19,021,654 
Collateralized mortgage obligations (Agency)   13,598,841    76,606    15,979    13,659,468 
   $55,982,897   $388,012   $88,734   $56,282,175 

 

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   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
March 31, 2012                    
Investment securities available-for-sale:                    
U.S. government agencies  $2,000,282   $6,888   $5,405   $2,001,765 
Brokered certificates of deposit   6,886,898    6,883    13,752    6,880,029 
Mortgage-backed securities (Agency)   31,800,333    530,374    10,230    32,320,477 
Collateralized mortgage obligations (Agency)   12,157,358    41,346    11,638    12,187,066 
   $52,844,871   $585,491   $41,025   $53,389,337 

  

The Bank has arranged for two lines of credit for liquidity to meet expected and unexpected cash needs with large financial institutions. Any advances would be collateralized by the brokered certificates of deposit and various U.S. Government Agency securities. As of March 31, 2013 and 2012, there were no borrowings or securities pledged under these lines of credit.

 

The following is a summary of contractual maturities of securities available-for-sale as of March 31, 2013:

 

   Available-for-Sale 
   Amortized   Estimated 
   Cost   Fair Value 
Amounts maturing in:          
One year or less  $4,196,000   $4,203,915 
After one year through five years   8,220,649    8,253,949 
After five years through ten years   10,166,374    10,150,205 
After ten years   998,188    992,984 
    23,581,211    23,601,053 
           
Mortgage-backed securities (Agency)   18,802,845    19,021,654 
Collateralized mortgage obligations (Agency)   13,598,841    13,659,468 
   $55,982,897   $56,282,175 

 

Proceeds from sales of investment securities were $21.0 million and $28.6 million during the years ended March 31, 2013 and 2012, respectively with gains of $317,681 and losses of $25,360 for the year ended March 31, 2013, and gains of $400,176 and losses of $202,147 for the year ended March 31, 2012.

 

The following table presents Madison’s investments’ gross unrealized losses and the corresponding fair values by investment category and length of time that the securities have been in a continuous unrealized loss position, at March 31, 2013 and 2012.

 

   Less than 12 Months   12 Months or More   Total 
March 31, 2013  Estimated
Fair Value		   Gross
Unrealized
Losses		   Estimated
Fair
Value		   Gross
Unrealized
Losses		   Estimated
Fair
Value		   Gross
Unrealized
Losses		 
                         
Investment securities available-for-sale:                              
U.S. government agencies  $7,592,327   $33,765   $0   $0   $7,592,327   $33,765 
Brokered certificates of deposit   431,881    1,119    0    0    431,881    1,119 
Mortgage-backed securities (Agency)   4,318,861    37,871    0    0    4,318,861    37,871 
Collateralized mortgage obligations (Agency)   2,214,670    11,111    1,117,261    4,868    3,331,931    15,979 
   $14,557,739   $83,866   $1,117,261   $4,868   $15,675,000   $88,734 

 

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   Less than 12 Months   12 Months or More   Total 
March 31, 2012  Estimated
Fair Value		   Gross
Unrealized
Losses		   Estimated
Fair
Value		   Gross
Unrealized
Losses		   Estimated
Fair
Value		   Gross
Unrealized
Losses		 
                         
Investment securities available-for-sale:                              
U.S. government agencies  $643,612   $5,405   $0   $0   $643,612   $5,405 
Brokered certificates of deposit   2,652,248    13,752    0    0    2,652,248    13,752 
Mortgage-backed securities (Agency)   3,241,420    9,856    443,979    374    3,685,399    10,230 
Collateralized mortgage obligations (Agency)   1,103,516    9,437    798,424    2,201    1,901,940    11,638 
   $7,640,796   $38,450   $1,242,403   $2,575   $8,883,199   $41,025 

 

The gross unrealized losses are not considered by management to be other-than-temporary impairments. Management has the intent and ability to hold these securities until recovery of their fair value. In most cases, temporary impairment is caused by market interest rate fluctuations

  

Note 5. Loans Receivable and Allowance for Loan Losses

 

Loans receivable consist of the following at March 31, 2013 and 2012, respectively:

 

   2013   2012 
Loans secured by mortgages:          
Residential:          
1-4 Single family  $54,604,184   $53,002,752 
Multifamily   1,513,209    1,593,173 
Lines of credit   2,658,271    2,247,787 
Commercial   14,553,616    14,885,346 
Land   4,191,616    6,568,154 
Farm loans guaranteed by the USDA   888,544    0 
Residential construction   1,367,134    1,203,508 
    79,776,574    79,500,720 
Consumer   403,330    612,326 
Commercial   4,090,168    5,624,473 
Total loans receivable   84,270,072    85,737,519 
Net deferred costs   179,768    85,955 
Allowance for loan losses   (909,488)   (837,063)
Loans receivable, net  $83,540,352   $84,986,411 

 

Credit Quality Indicators

 

Management considers many factors when evaluating individual loans: among other things, the overall risk involved; the nature of the collateral; the character, capacity, financial responsibility and record of the borrower; and the probability of repayment or orderly liquidation in accordance with the loan terms.

 

Asset quality ratings are divided into three groups: Pass (unclassified), Special Mention, and Classified (adverse classification).

 

Pass - A pass loan is considered of sufficient quality to preclude a special mention or an adverse rating. Pass assets generally are well protected by the current net worth and paying capacity of the obligor or by the value of the asset or underlying collateral.

 

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Special Mention - The purpose of the special mention category is to identify assets that do not warrant adverse classification, but do possess credit deficiencies or other potential weaknesses. Management applies a higher qualitative factor to special mention loans than pass loans when determining the balance of the allowance for loan losses.

 

Loans that would primarily fall into this notational category could have been previously classified adversely, but the deficiencies have since been corrected. Management should closely monitor recent payment history of the loan and value of the collateral.

 

Loans that are designated as special mention will include loans that are 60-89 days delinquent. Single family residential loans, construction loans that are under contract of sale, and consumer loans that are designated special mention will not require separate fair value calculations and will not warrant increases in the general valuation allowance (GVA). If adverse circumstances warrant additional GVA or specific reserves, an analysis will be performed on a case-by-case basis.

 

Other loans designated as special mention will require analysis to determine if the value of the loan is equal to or greater than the Bank’s recorded investment. If necessary, additional GVA’s may be allocated to a specific loan category that has special mention loans that have a deficiency in the value of the collateral as compared to the Bank’s recorded investment.

 

Substandard - Loans classified as substandard are inadequately protected by the current net worth or paying capacity of the borrower or the value of pledged collateral. Substandard loans are characterized by the possibility that the Bank estimates that it will be unable to collect all amounts due as required in the loan documents and therefore determines it may sustain losses if deficiencies are not corrected. This will be the measurement for determining if a loan is impaired.

 

Loans classified as substandard may exhibit one or more of the following characteristics:

 

·Collateral has deteriorated.
·The primary source of repayment is gone and the Bank is relying upon a secondary source.
·A loss does not seem likely but significant problems exist, leading the Bank to go to great lengths to protect its investment.
·Borrowers are unable to generate enough cash flow for debt reduction.
·Flaws in documentation exist, leaving the Bank as a lender in a subordinated or unsecured position.
·The feasibility of an orderly and prompt sale of the collateral is not possible.
·Borrowers have a history of making slow payments.

 

Loans classified as substandard will require calculations to determine the fair value on the particular loan. In determining the general valuation allowance, loans of similar characteristics will be analyzed on a pool basis. Examples of these types of loans include single-family residential loans, certain consumer loans such as car loans or home equity loans. When a loan is classified and is part of these loan types, the allowance on this particular type may be increased to reflect the potential for loss.

 

Construction loans, land acquisition and development, commercial real estate and 5 or more dwelling units that are deemed impaired will require calculations to determine the fair value on the particular asset when the loan is classified as substandard. If the calculation yields a value below the recorded investment of the asset and determined to have collectability issues that result in a deficiency, the deficiency amount will be charged off.

 

Doubtful - Loans classified as doubtful have all the weaknesses of loans classified as substandard, but in addition, on the basis of current facts, collection or liquidation in full is questionable and improbable. A loan classified as doubtful exhibits loss potential. However, there is still sufficient reason to permit the loan to remain on the books. A doubtful classification could reflect the deterioration of the primary source of repayment and serious doubt exists as to the quality of the secondary source of repayment.

 

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Doubtful classifications should be used only when a distinct and known possibility of loss exists. When identified, adequate loss should be recorded for specific assets. The entire asset should not be classified as doubtful if a partial recovery is expected, such as a liquidation of the collateral or the probability of a private mortgage insurance payment is likely.

 

Loss - Loans classified as loss are considered uncollectable and of such little value that their continuance as loans is unjustified. A loss classification does not mean a loan has absolutely no value; partial recoveries may be received in the future.

 

When loans or portions of a loan are considered a loss, it will be the policy of the Bank to write-off the amount designated as loss. Recoveries will be treated as additions to the allowance for loan losses.

 

The following presents by class and by credit quality indicator, the recorded investment in the Company’s loans as of March 31, 2013 and 2012.

 

Commercial Credit Exposure  Commercial, 
Not Real Estate Secured		   Commercial Real Estate (1) 
   2013   2012   2013   2012 
Grade:                    
Pass  $3,702,067   $4,925,036   $11,634,602   $13,298,287 
Special Mention   372,524    699,437    3,430,979    1,587,059 
Substandard   15,577    0    376,579    0 
Doubtful   0    0    0    0 
Loss   0    0    0    0 
  $4,090,168   $5,624,473   $15,442,160   $14,885,346 
                     

 

Other Credit Exposure  Residential Real Estate
Construction and Land		   Residential Real Estate
Other (2)		   Consumer 
   2013   2012   2013   2012   2013   2012 
Grade:                              
Pass  $2,021,668   $5,592,390   $57,944,859   $54,941,070   $401,803   $612,326 
Special Mention   3,396,480    1,946,770    509,874    736,182    0    0 
Substandard   140,602    232,502    320,931    1,166,460    1,527    0 
Doubtful   0    0    0    0    0    0 
Loss   0    0    0    0    0    0 
   $5,558,750   $7,771,662   $58,775,664   $56,843,712   $403,330   $612,326 

 

(1)Commercial real estate includes farm loans guaranteed by the USDA.

(2)Residential real estate other includes 1-4 family residential, multifamily residential and home equity lines of credit.

 

Age Analysis of Past Due Loans, as of March 31, 2013 and 2012

 

March 31, 2013  30-59 Days
Past Due		   60-89 Days
Past Due		   90 Days or
More Past
Due		   Total Past
Due		   Current   Total Loans 
Loans secured by mortgages:                              
Residential:                              
1-4 Single family  $576,788   $74,160   $313,580   $964,528   $53,639,656   $54,604,184 
Multifamily   0    0    0    0    1,513,209    1,513,209 
Lines of credit   0    0    0    0    2,658,271    2,658,271 
Commercial   0    0    376,579    376,579    14,177,037    14,553,616 
Land   0    0    0    0    4,191,616    4,191,616 
Farm   0    0    0    0    888,544    888,544 
Residential Construction   424,938    0    0    424,938    942,196    1,367,134 
    1,001,726    74,160    690,159    1,766,045    78,010,529    79,776,574 
Consumer   3,494    0    1,527    5,021    398,309    403,330 
Commercial   0    0    15,577    15,577    4,074,591    4,090,168 
   $1,005,220   $74,160   $707,263   $1,786,643   $82,483,429   $84,270,072 

 

74
 

 

March 31, 2012  30-59 Days
Past Due		   60-89 Days
Past Due		   90 Days or
More Past
Due		   Total Past
Due		   Current   Total Loans 
Loans secured by mortgages:                              
Residential:                              
1-4 Single family  $1,403,581   $0   $816,600   $2,220,181   $50,782,571   $53,002,752 
Multifamily   0    0    0    0    1,593,173    1,593,173 
Lines of credit   0    0    0    0    2,247,787    2,247,787 
Commercial   384,887    0    0    384,887    14,500,459    14,885,346 
Land   0    0    0    0    6,568,154    6,568,154 
Farm   0    0    0    0    0    0 
Residential Construction   0    0    0    0    1,203,508    1,203,508 
    1,788,468    0    816,600    2,605,068    76,895,652    79,500,720 
Consumer   0    50    0    50    612,276    612,326 
Commercial   31,194    0    0    31,194    5,593,279    5,624,473 
   $1,819,662   $50   $816,600   $2,636,312   $83,101,207   $85,737,519 

 

As of March 31, 2013, there were nine nonaccrual 1-4 single family loans totaling $313,581 with forgone interest of $26,954, one commercial loan in the amount of $15,577 with forgone interest of $109 and one consumer loan in the amount of $1,527, which has subsequently been paid off.

 

As of March 31, 2013, there was one commercial real estate loan with a balance of $376,579 that was 90 days past-due but remained on accrual status.

 

As of March 31, 2012, there were six nonaccrual 1-4 single family loans totaling $287,603, with forgone interest of $12,701. As of March 31, 2012, 1-4 single family loans totaling $606,624 were 90 days or more past due and accruing interest.

 

Impaired Loans as of and for the Year Ended March 31, 2013

 

   Unpaid
Contractual
Principal
Balance		   Recorded 
Investment 
with No 
Allowance		   Recorded
Investment 
with 
Allowance		   Total 
Recorded 
Investment		   Related 
Allowance		   Average 
Recorded 
Investment		   Interest 
Recognized		   Nonaccrual 
Interest Not 
Accrued		 
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family  $812,251   $313,581   $379,930   $693,511   $60,200   $777,370   $10,346   $26,954 
Multifamily   0    0    0    0    0    0    0    0 
Lines of credit   0    0    0    0    0    0    0    0 
Commercial   376,579    376,579    0    376,579    0    381,180    33,686    0 
Land   230,102    140,602    0    140,602    0    223,763    9,945    0 
Farm   0    0    0    0    0    0    0    0 
Residential construction   0    0    0    0    0    0    0    0 
    1,418,932    830,762    379,930    1,210,692    60,200    1,382,313    53,977    26,954 
Consumer   1,527    1,527    0    1,527    0    1,588    34    0 
Commercial   15,837    15,577    0    15,577    0    16,832    343    109 
Total impaired loans  $1,436,296   $847,866   $379,930   $1,227,796   $60,200   $1,400,733   $54,354   $27,063 

 

75
 

 

Impaired Loans as of and for the Year Ended March 31, 2012

 

   Unpaid
Contractual
Principal
Balance		   Recorded 
Investment 
with No 
Allowance		   Recorded 
Investment 
with 
Allowance		   Total 
Recorded 
Investment		   Related 
Allowance		   Average 
Recorded 
Investment		   Interest 
Recognized		   Nonaccrual 
Interest Not 
Accrued		 
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family  $1,252,549   $778,480   $387,980   $1,166,460   $53,000   $1,228,377   $58,003   $12,701 
Multifamily   0    0    0    0    0    0    0    0 
Lines of credit   0    0    0    0    0    0    0    0 
Commercial   0    0    0    0    0    0    0    0 
Land   232,502    0    232,502    232,502    69,500    233,502    10,687    0 
Farm   0    0    0    0    0    0    0    0 
Residential construction   0    0    0    0    0    0    0    0 
    1,485,051    778,480    620,482    1,398,962    122,500    1,461,879    68,690    12,701 
Consumer   0    0    0    0    0    0    0    0 
Commercial   0    0    0    0    0    0    0    0 
Total impaired loans  $1,485,051   $778,480   $620,482   $1,398,962   $122,500   $1,461,879   $68,690   $12,701 

 

We occasionally modify loans to extend the term to help borrowers stay current on their loan and to avoid foreclosure. At March 31, 2013, we had ten 1-4 single family mortgage loans totaling $1,650,100 that we had modified the terms either by extending the term or increasing the payments to allow the customer to become current. We did not forgive any principal or interest, or modify the interest rates on the loans. Seven of these ten modified loans were current, two of these ten with balances of $377,707 were 30-59 days delinquent and one of these ten with a balance of $239,351 was 90 days or greater delinquent at March 31, 2013. Two of these loans totaling $379,930 were considered to be troubled debt restructurings at March 31, 2013 and both of these loans are current.

 

During the year ended March 31, 2013 we modified one 1-4 single family mortgage loan which was considered a troubled debt restructuring. The balance of this loan was $7,351 as of March 31, 2013.

 

At March 31, 2012, we had seven 1-4 single family mortgage loans totaling approximately $1.1 million that we had modified the terms either by extending the term or increasing the payments to allow the customer to become current. We did not forgive any principal or interest, or modify the interest rates on the loans. Three of these seven modified loans were current and three of these seven were 30-59 days delinquent at March 31, 2012. One of these loans in the amount of approximately $381,000 was considered a troubled debt restructuring at March 31, 2012, and this loan has subsequently become current.

 

76
 

 

The following tables set forth for the years ended March 31, 2013 and 2012, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.

 

For the year ended March 31, 2013:

 

   Allowance
3/31/2012		   Charge-
offs		   Recoveries   Provision   Allowance
3/31/2013		 
Loans secured by mortgages:                         
Residential:                         
1-4 Single family  $372,404   $75,712   $7,401   $39,017   $343,110 
Multifamily   18,705    0    0    513    19,218 
Lines of credit   13,817    0    0    2,133    15,950 
Commercial   188,199    0    0    70,244    258,443 
Land   152,621    89,500    0    32,079    95,200 
Farm   0    0    0    0    0 
Residential construction   16,417    0    0    20,042    36,459 
    762,163    165,212    7,401    164,028    768,380 
Consumer   3,103    0    0    (301)   2,802 
Commercial   71,149    0    236    (11,238)   60,147 
Unallocated   648    0    0    77,511    78,159 
Total  $837,063   $165,212   $7,637   $230,000   $909,488 

 

   Allowance   Loan Balance     
   Individually
Evaluated
for
Impairment		   Collectively
Evaluated
for
Impairment		   Individually 
Evaluated 
for 
Impairment		   Collectively
Evaluated
for
Impairment		   Ending
Loan
Balance		 
Loans secured by mortgages:                         
Residential:                         
1-4 Single family  $60,200   $282,910   $693,511   $53,910,673   $54,604,184 
Multifamily   0    19,218    0    1,513,209    1,513,209 
Lines of credit   0    15,950    0    2,658,271    2,658,271 
Commercial   0    258,443    376,579    14,177,037    14,553,616 
Land   0    95,200    140,602    4,051,014    4,191,616 
Farm   0    0    0    888,544    888,544 
Residential construction   0    36,459    0    1,367,134    1,367,134 
    60,200    708,180    1,210,692    78,565,882    79,776,574 
Consumer   0    2,802    1,527    401,803    403,330 
Commercial   0    60,147    15,577    4,074,591    4,090,168 
Unallocated   0    78,159    0    0    0 
Total  $60,200   $849,288   $1,227,796   $83,042,276   $84,270,072 

 

77
 

 

For the year ended March 31, 2012:

 

   Allowance
3/31/2011		   Charge-
offs		   Recoveries   Provision   Allowance
3/31/2012		 
Loans secured by mortgages:                         
Residential:                         
1-4 Single family  $185,114   $80,800   $3,366   $264,724   $372,404 
Multifamily   17,417    0    0    1,288    18,705 
Lines of credit   8,441    0    0    5,376    13,817 
Commercial   141,331    0    0    46,868    188,199 
Land   73,355    0    0    79,266    152,621 
Farm   0    0    0    0    0 
Residential construction   95,779    0    0    (79,362)   16,417 
    521,437    80,800    3,366    318,160    762,163 
Consumer   5,848    0    0    (2,745)   3,103 
Commercial   63,745    13,202    65    20,541    71,149 
Unallocated   44,505    0    0    (43,857)   648 
Total  $635,535   $94,002   $3,431   $292,099   $837,063 

 

 

   Allowance   Loan Balance     
   Individually
Evaluated
for
Impairment		   Collectively
Evaluated
for
Impairment		   Individually 
Evaluated 
for 
Impairment		   Collectively
Evaluated
for
Impairment		   Ending 
Loan 
Balance		 
Loans secured by mortgages:                         
Residential:                         
1-4 Single family  $53,000   $319,404   $1,166,460   $51,836,292   $53,002,752 
Multifamily   0    18,705    0    1,593,173    1,593,173 
Lines of credit   0    13,817    0    2,247,787    2,247,787 
Commercial   0    188,199    0    14,885,346    14,885,346 
Land   69,500    83,121    232,502    6,335,652    6,568,154 
Farm   0    0    0    0    0 
Residential construction   0    16,417    0    1,203,508    1,203,508 
    122,500    639,663    1,398,962    78,101,758    79,500,720 
Consumer   0    3,103    0    612,326    612,326 
Commercial   0    71,149    0    5,624,473    5,624,473 
Unallocated   0    648    0    0    0 
Total  $122,500   $714,563   $1,398,962   $84,338,557   $85,737,519 

 

78
 

 

Note 6. Premises and Equipment

 

Premises and equipment, and related depreciation and amortization, are summarized as follows:

 

   March 31, 
   2013   2012 
         
Land  $619,214   $632,925 
Buildings   3,673,698    3,673,698 
Furniture and equipment   1,149,351    1,146,293 
Leasehold improvements   134,611    134,611 
Automobiles   59,280    59,280 
    5,636,154    5,646,807 
Less: accumulated depreciation and amortization   2,097,775    1,893,095 
   $3,538,379   $3,753,712 
           
Depreciation and amortization expense  $209,230   $232,192 

 

Madison leases its administrative building and two of its branches under operating leases for periods up to 30 years. Renewal options are available in five year periods. Minimum future rental commitments under non-cancelable lease as of March 31, 2013 were as follows:

 

Year Ending March 31,  Payments 
2014  $291,758 
2015   301,507 
2016   313,070 
2017   322,710 
2018   332,689 
Subsequent years   1,090,019 
Total  $2,651,753 

 

Rent expense for the three leased properties was $284,128 and $293,626 for the years ended March 31, 2013 and 2012, respectively.

 

Note 7. Interest-bearing Deposits

 

   March 31, 
   2013   2012 
         
NOW  $2,411,954   $2,254,834 
Money market   6,334,571    5,646,923 
Savings   24,677,117    22,750,913 
Time   95,260,430    102,946,003 
   $128,684,072   $133,598,673 

 

Time deposits of $100,000 or more were $44,269,000 and $45,234,000 at March 31, 2013 and 2012, respectively.

 

79
 

 

Schedule of maturity of time deposits:

 

   March 31, 
   2013   2012 
         
Three months or less  $17,062,454   $17,399,571 
Over three months through one year   27,040,516    39,345,288 
Over one year through two years   33,465,767    20,505,205 
Over two years through three years   9,111,730    18,348,392 
Over three years   8,579,963    7,347,547 
   $95,260,430   $102,946,003 

 

Note 8. Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk

 

In the normal course of business, the Bank has various outstanding commitments and contingent liabilities that are not reflected in the accompanying financial statements. Loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition to the contract. Mortgage loan commitments generally have fixed interest rates, fixed expiration dates, and may require payment of a fee. Other loan commitments generally have fixed interest rates. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party.

 

The Bank’s maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments, lines of credit, and letters of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments.

 

The Bank had outstanding firm commitments to originate or purchase loans as follows:

 

   March 31, 
   2013   2012 
         
Mortgage loan commitments –fixed rate  $1,573,750   $1,077,534 
Mortgage loan commitments –variable rate   238,629    3,546 
Unused equity lines of credit (variable rate)   2,815,945    2,331,748 
Commercial and consumer lines of credit   230,651    456,995 
Standby letters of credit   377,530    675,023 
 Total  $5,236,505   $4,544,846 

 

Note 9. Borrowings

 

At March 31, 2013, Madison Square FSB had the ability to borrow a total of approximately $30.3 million from the Federal Home Loan Bank of Atlanta and $7.0 million by way of lines of credit with two large unaffiliated financial institutions. The FHLB borrowing requires us to pledge mortgage loans as collateral and the line of credit requires us to pledge brokered CD’s or US Government Agency securities. At March 31, 2013 and 2012, we had no Federal Home Loan Bank advances outstanding or borrowings on the lines of credit. The rates on the borrowing lines will be determined at the time of an advance.

 

80
 

 

Note 10. Fair Value Measurements

 

Accounting guidance defines fair value to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. These standards have also established a three-level hierarchy for fair value measurements based upon the inputs to the valuation of an asset or liability.

 

·Level 1 — Valuation is based on quoted prices in active markets for identical assets and liabilities.
·Level 2 — Valuation is determined from quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar instruments in markets that are not active, or by model-based techniques in which all significant inputs are observable in the market.
·Level 3 — Valuation is derived from model-based techniques in which at least one significant input is unobservable and based on the Bank’s own estimates about the assumptions that market participants would use to value the asset or liability.

 

Investment securities available-for-sale are the only financial assets measured at fair value on a recurring basis. As of March 31, 2013 and 2012, the fair values were measured using the following methodologies:

 

   March 31, 2013 
   Level 1   Level 2   Level 3   Total 
Investment securities available-for-sale:                    
U.S. Government agencies  $1,024,845   $14,096,933   $0   $15,121,778 
Brokered certificates of deposit   8,479,275    0    0    8,479,275 
Mortgage-backed securities (Agency)   1,022,582    17,503,140    495,932    19,021,654 
Collateralized mortgage obligations (Agency)   285,887    12,797,159    576,422    13,659,468 
   $10,812,589   $44,397,232   $1,072,354   $56,282,175 

 

   March 31, 2012 
   Level 1   Level 2   Level 3   Total 
Investment securities available-for-sale:                    
U.S. Government agencies  $0   $2,001,765   $0   $2,001,765 
Brokered certificates of deposit   6,880,029    0    0    6,880,029 
Mortgage-backed securities (Agency)   2,606,719    29,713,758    0    32,320,477 
Collateralized mortgage obligations (Agency)   1,258,351    9,939,807    988,908    12,187,066 
   $10,745,099   $41,655,330   $988,908   $53,389,337 

 

81
 

 

The following table summarizes activity in securities valued using Level 3 inputs during the years ended March 31, 2013 and 2012:

 

   March 31,
2013		   March 31,
2012		 
         
Balance at beginning of year  $988,908   $521,339 
Purchases   1,072,354    1,001,253 
Sales   (0)   (2,246)
Paydowns   (0)   (12,825)
Transfers in and/or out of Level 3   (988,908)   (518,613)
Balance at the end of the year  $1,072,354   $988,908 

 

The Company measures its impaired loans on a nonrecurring basis, generally based on the fair value of the loans’ collateral. Fair value is generally determined based upon independent appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values

 

The Company measures its foreclosed real estate on a nonrecurring basis at fair value less estimated cost to sell. As of March 31, 2013, the fair value of foreclosed real estate was estimated to be $55,000. Fair value was determined based on offers and/or appraisals. Cost to sell the assets was based on standard market factors. The Company has categorized its foreclosed real estate as Level 3. There was no foreclosed real estate as of March 31, 2012.

 

   March 31, 2013 
   Level 1   Level 2   Level 3   Total 
                 
Impaired loans  $0   $0   $1,167,596   $1,167,596 
Foreclosed real estate   0    0    55,000    55,000 
 Total  $0   $0   $1,222,596   $1,222,596 
                     

 

   March 31, 2012 
   Level 1   Level 2   Level 3   Total 
                     
Impaired loans  $0   $0   $1,276,462   $1,276,462 

 

82
 

 

The Bank does not report the fair value of its other financial assets or liabilities on the statement of condition on a recurring basis. The estimated fair values of these financial instruments are as follows:

 

   March 31, 2013   March 31, 2012  
(dollars in thousands)  Book
Value		   Estimated
Fair Value		   Book
Value		   Estimated
Fair Value		  
                     
Financial assets                     
Level 2 inputs:                     
Cash and cash equivalents  $4,813   $4,813   $10,735   $10,735  
Certificates of deposit   500    500    738    738  
Accrued interest receivable   422    422    428    428  
Level 3 inputs:                     
Federal Home Loan Bank stock  $182   $182   $235   $235  
Loans, net   83,540    96,396    84,986    95,704  
Foreclosed real estate   55    55    0    0  
                      
Financial liabilities                     
Level 2 inputs:                     
Noninterest-bearing deposits  $5,972   $5,972   $6,583   $6,583  
Advances from borrowers for taxes and insurance   627    627    543    543  
Level 3 inputs:                     
Interest-bearing deposits   128,684    129,625    133,599    134,886  

 

The following methods and assumptions were used to estimate the fair values of financial instruments as of March 31, 2013 and 2012:

 

Cash and cash equivalents: The amounts reported at cost approximate the fair value of these assets.

 

Certificates of deposit: The amounts reported at cost approximate the fair value of these assets.

 

Loans, net: The fair value of loans is estimated by discounting future cash flows using current rates for which we would make similar loans to borrowers with similar credit histories.

 

Deposits: The fair value of demand deposits and savings accounts is the amount payable on demand. The fair value of fixed maturity certificates of deposit are estimated using the rates currently offered for deposits of similar remaining maturities.

 

Advanced payments by borrowers for taxes and insurance: The amounts reported at cost approximate the fair value of these assets.

 

The fair value of outstanding loan commitments and unused lines of credit are considered to be the same as the contractual amounts, and are not included in the table above. These commitments generate fees that approximate those currently charged to originate similar commitments.

 

Note 11. Regulatory Capital

 

Federal regulators have adopted capital adequacy guidelines for bank holding companies and banks. Failure to meet the minimum regulatory capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s operations. Under the regulatory capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines involving quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification under the prompt corrective action guidelines are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

83
 

 

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios: total risk-based capital and Tier I capital to risk-weighted assets (as defined in the regulations), Tier I capital to adjusted total assets (as defined), and tangible capital to adjusted total assets (as defined). As discussed in greater detail below, as of March 31, 2013 and 2012, the Bank meets all of the capital adequacy requirements to which it is subject.

 

As of March 31, 2013, the most recent date of filing of the Consolidated Reports of Condition and Income with the Board of Governors of the Federal Reserve System, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action as disclosed in the table below. Management knows of no events or conditions that would change this classification:

 

       Minimum   To Be Well 
   Actual   Requirements   Capitalized 
(dollars in thousands)  Amount   %   Amount   %   Amount   % 
                         
As of March 31, 2013:                              
Total risk-based capital (to risk-weighted assets)  $13,298    19.1%  $5,571    8.0%  $6,963    10.0%
Tier I capital (to risk-weighted assets)   12,427    17.8    N/A    N/A    4,178    6.0 
Tier I capital (to adjusted total assets)   12,427    8.3    5,986    4.0    7,483    5.0 
                               
As of March 31, 2012:                              
Total risk-based capital (to risk-weighted assets)  $12,922    17.2%  $6,005    8.0%  $7,506    10.0%
Tier I capital (to risk-weighted assets)   12,085    16.1    N/A    N/A    4,503    6.0 
Tier I capital (to adjusted total assets)   12,085    7.8    6,200    4.0    7,750    5.0 

 

Note 12. Income Taxes

 

The provisions for income taxes for the years ended March 31, 2013 and 2012 consist of the following components:

 

   March 31, 
   2013   2012 
Current:          
Federal  $(74,308)  $15,062 
State   (6,867)   6,956 
Deferred income tax   81,175    (22,018)
Total  $0   $0 

 

A reconciliation of the provision for income taxes at the statutory tax rate to the Bank’s actual provision for income taxes is as follows:

 

   March 31, 
   2013   2012 
Tax (benefit) at statutory federal rate  $72,642   $(3,586)
State income tax (benefit), net of federal income tax benefit tax benefit   14,221    (574)
Change in valuation allowance/NOL used   (74,720)   (1,080)
Other   (12,143)   5,240 
Total  $0   $0 

 

84
 

 

The Bank computes deferred income taxes under the provisions of U.S. generally accepted accounting principles (GAAP) which requires the use of an asset and liability method of accounting for income taxes. GAAP also provides for the recognition and measurement of deferred income tax benefits on the likelihood of their realization in future years. A valuation allowance must be established to reduce deferred income tax benefits if it is more likely than not that a portion of the deferred income tax benefits will not be realized. The Bank has established a valuation allowance to reflect uncertainty as to the Bank’s ability to realize the deferred tax asset. Increases in the valuation allowance in future periods are possible based on management’s analysis.

 

The following is a summary of the tax effects of the temporary differences between financial and income tax accounting that give rise to deferred tax assets and deferred tax liabilities as of March 31:

 

   March 31, 
   2013   2012 
Deferred tax assets:          
Allowances for loan and ground rent losses  $340,866   $400,747 
Capital loss carry forward   195,263    223,325 
Depreciation   26,676    18,529 
Deferred compensation   12,722    2,523 
Foreclosed real estate write-downs   789    0 
Nonqualified stock-based compensation   1,453    0 
Net operating loss and charitable  contributions carry forward   332,767    343,677 
Valuation allowance   (772,055)   (845,338)
    138,481    143,463 
Deferred tax liabilities:          
Unrealized gains on investments   118,050    214,765 
Deferred loan fees and costs   28,781    33,763 
    146,831    248,528 
Net deferred tax asset (liability)  $(8,350)  $(105,065)

 

As of March 31, 2013, the Bank has a net operating loss carryforward totaling approximately $643,000, which will begin to expire during the year ending March 31, 2029. The Bank also has a capital loss carryforward of approximately $495,000 which expires during the year ending March 31, 2014.

 

Income tax returns for the years ended March 31, 2009 through the current year are subject to examination.

 

Note 13. Defined Contribution Benefit Plan

 

The Bank maintains a SIMPLE IRA plan that covers substantially all employees where the Bank matches up to 3% of the employee contributions. The Bank’s contribution to the plan for the years ended March 31, 2013 and 2012 was $47,056 and $50,175, respectively.

 

Note 14. Employee Stock Ownership Plan

 

In connection with the conversion to stock, the Company established an Employee Stock Ownership Plan for the exclusive benefit of eligible employees. The ESOP borrowed funds from the Company in the amount of $425,680, which was sufficient to purchase 42,568 shares or 7% of the Common Stock issued in the offering. The shares were acquired at a price of $10.00 per share.

 

85
 

 

The loan is secured by the shares purchased with the loan proceeds and will be repaid by the ESOP over the 15-year term of the loan with funds from the Bank’s contributions to the ESOP and dividends paid on the stock, if any. The interest rate on the ESOP loan is an adjustable rate equal to the lowest prime rate, as published in The Wall Street Journal. The interest rate adjusts annually and will be the prime rate on the last business day of the prior fiscal year. The interest rate on the loan as of March 31, 2013, is 3.25%.

 

Shares purchased with the loan proceeds are held in a suspense account for allocation among participants as the loan is repaid. Contributions to the ESOP and shares released from the suspense account are allocated among participants in proportion to their compensation, relative to total compensation of all active participants. Participants will vest their accrued benefits under the employee stock ownership plan at a rate of 0% with less than 2 years of service; 33 1/3 % vested with service of 2 years; 66 2/3% vested with service of 3 years and 100% vested with service of 4 or more years. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Bank. Forfeitures will be reallocated to remaining plan participants. Benefits may be payable upon retirement, death, disability, separation of service, or termination of the ESOP. Participants may elect to receive benefits in cash in lieu of common stock.

 

The debt of the ESOP, in accordance with generally accepted accounting principles, is eliminated in consolidation and the shares pledged as collateral are reported as unearned ESOP shares in the consolidated balance sheet. Contributions to the ESOP shall be sufficient to pay principal and interest currently due under the loan agreement. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average market price of the shares for the respective period, and the shares become outstanding for earnings per share computations. Dividends on allocated ESOP shares are recorded as a reduction of debt and accrued interest. The ESOP compensation expense for the years ended March 31, 2013 and 2012 was $31,218 and $29,750, respectively.

 

A summary of ESOP shares at March 31, 2013 is as follows:

 

Shares allocated to employees   9,176 
Unearned shares   33,392 
Total ESOP shares   42,568 
Fair value of unearned shares  $492,532 

 

Note 15. Stock Option Plans

 

The Company’s shareholders have approved the 2011 Equity Incentive Plan, which reserves 79,054 shares for grant to officers and directors of the Company in the form of stock options (60,811 shares) and restricted stock (18,243 shares).

 

The following table presents the activity related to options under all plans for the period ended March 31, 2013 and 2012:

 

   March 31, 2013   March 31, 2012 
   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		 
Outstanding at beginning of year   24,170   $8.00    0    0 
Granted   0    0    24,170   $8.00 
Options exercised   0    0    0    0 
Options forfeited/expired   500    0    0    0 
Outstanding at end of year   23,670   $8.00    24,170   $8.00 
Vested at end of year   15,778   $8.00    8,057   $8.00 

 

86
 

 

A summary of information regarding stock options outstanding as of March 31, 2013, is as follows:

 

Weighted Average
Exercise Price		   Outstanding 
Shares		   Average
Remaining
Life
(Years)		   Exercisable
Shares		 
              
$8.00    23,670    8.92    15,778 
                  
 Intrinsic value   $159,773        $106,502 

 

During the year ended March 31, 2012, the Company granted 24,170 stock options which are exercisable up to10 years from the grant date. The options vest over a two year period with one third vesting immediately and one third of the options vesting on the first and second anniversary date. Option expense recognized during the years ended March 31, 2013 and 2012 was $14,260 and $15,449, respectively. At March 31, 2013, there was $13,172 of total unrecognized compensation expense related to non-vested stock options to be recognized from April 1, 2013 through February 28, 2014. The weighted average grant date fair value of the options granted during the year ended March 31, 2012 was $1.77.

 

The following weighted average assumptions were used in the Black-Scholes-Merton option pricing model for the options granted in the year ended March 31, 2012:

 

   2012 
Expected volatility   18.87%
Risk-free interest rate   1.04%
Expected lives   5.0 years 

 

There are 36,641 options available for future grant.

 

Note 16. Related Party Transactions

 

The officers and directors of the Bank enter into loan transactions with the Bank in the ordinary course of business. As of March 31, 2013 and 2012, loans secured by mortgages included loans to officers and directors of $540,552 and $566,320, respectively. Activity in these loans during the year ended March 31, 2013 and 2012 was as follows:

 

   2013   2012 
         
Balance – Beginning of year  $566,320   $427,064 
New loans   150,000    172,000 
Principal repayments   (175,768)   (32,744)
Balance – End of year  $540,552   $566,320 

 

These loans are made on the same terms, including interest rate and collateral, as those prevailing at the time for comparable loans with unrelated borrowers and include loans to officers who are not considered executive officers.

 

The Bank held deposits of $1,010,325 and $986,014 from officers and directors at March 31, 2013 and 2012, respectively.

 

An executive of the company that provides data processing services to the Bank joined our board of directors during the year ended March 31, 2012. Payments to the data processing provider, under the terms of a contract that was signed prior to the executive joining our board, were $172,459 and $173,547 during the years ended March 31, 2013 and 2012, respectively.

 

87
 

 

Note 17. Condensed Financial Statements of Parent Company

 

Presented below are the condensed statement of financial condition as of March 31, 2013 and 2012, and the related condensed statement of operations and condensed statement of cash flows for Madison Bancorp, Inc. for the years ended March 31, 2013 and 2012.

 

Condensed Statement of Financial Condition

 

   March 31, 2013   March 31, 2012 
Assets          
Cash and due from bank  $1,088,130   $1,133,560 
Certificates of deposit   249,931    245,869 
ESOP loan receivable   334,590    358,378 
Investment in bank subsidiary   12,607,845    12,419,234 
Other assets   12,800    10,763 
Total Assets  $14,293,296   $14,167,804 
           
Liabilities and Shareholders’ Equity          
Liabilities          
Accrued expenses  $33,208   $13,086 
           
Shareholders’ Equity          
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 at March 31, 2013 and 2012   6,081    6,081 
Additional paid-in capital   5,361,954    5,345,251 
Retained earnings   9,049,637    8,835,984 
Unearned ESOP shares   (338,813)   (362,300)
Accumulated other comprehensive income   181,229    329,702 
Total Shareholders’ Equity   14,260,088    14,154,718 
Total Liabilities and Shareholders’ Equity  $14,293,296   $14,167,804 

 

Condensed Statement of Operations

 

   March 31, 2013   March 31, 2012 
           
Interest income on ESOP loan  $11,647   $12,552 
Interest income on intercompany deposits   5,148    8,279 
Interest income on certificate of deposit   4,099    4,165 
Total income   20,894    24,996 
           
Operating expenses   104,137    111,729 
Loss before equity in net income (loss) of bank subsidiary   (83,243)   (86,733)
           
Equity in net income (loss) of bank subsidiary   296,896    76,186 
           
Net income (loss)  $213,653   $(10,547)

 

88
 

 

Condensed Statement of Cash Flows

 

   March 31, 2013   March 31, 2012 
Cash flows from operating activities:          
Net income (loss)  $213,653   $(10,547)
Adjustments to reconcile net loss to net cash used by operating activities:          
Equity in undistributed net (income) loss of subsidiary   (108,283)   (76,186)
Increase in other assets   (190,648)   (1,882)
Increase in other liabilities   20,123    305 
Other   0    0 
Net cash used by operating activities   (65,155)   (88,310)
           
Cash flows from investing activities:          
Investment in bank subsidiary   0    0 
ESOP loan to bank   0    0 
Principal collected on ESOP loan   23,788    29,503 
Increase in certificates of deposit   (4,063)   (4,533)
Net cash provided by (used in) investing activities   19,725    24,970 
           
Cash flows from financing activities:          
Proceeds from issuance of common stock (net of costs)   0    0 
Net cash provided by financing activities   0    0 
           
Net change in cash and cash equivalents   (45,430)   (63,340)
Cash and cash equivalents, beginning of year   1,133,560    1,196,900 
Cash and cash equivalents, end of year  $1,088,130   $1,133,560 
           

 

89
 

 

SIGNATURES

 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

  MADISON BANCORP, INC.
     
  By: /s/ Michael P. Gavin
    Michael P. Gavin
June 24, 2013   President, Chief Executive Officer and
    Chief Financial Officer

 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated. 

     
/s/ Michael P. Gavin    
Michael P. Gavin    
President, Chief Executive Officer, Chief Financial Officer and Director    
(principal executive officer and principal financial and accounting officer)   June 24, 2013
     
/s/ David F. Wallace    
David F. Wallace    
Chairman of the Board   June 24, 2013
     
/s/ Frederick L. Berk    
Frederick L. Berk    
Director   June 24, 2013
     
/s/ Richard E. Funke    
Richard E. Funke    
Director   June 24, 2013
     
/s/ Clare L. Glenn    
Clare L. Glenn    
Director   June 24, 2013
     
/s/ Melody P. Kline    
Melody P. Kline    
Director   June 24, 2013
     
/s/ Jaynee S. Agnone    
Jaynee S. Agnone    
Director   June 24, 2013
     
/s/ Brian D. Brunner    
Brian D. Brunner    
Director   June 24, 2013

 

 

 

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EXHIBIT 21

 

SUBSIDIARIES OF THE REGISTRANT

 

 

 

State or Other

Jurisdiction of
Incorporation

 

Percentage
Ownership

 

Parent

    
Madison Bancorp, Inc. Maryland  

 

Subsidiary

    
Madison Square Federal Savings Bank United States 100%

 

Subsidiary of Madison Square Federal Savings Bank (1)

    
Madison Financial Services Corporation Maryland 100%
     

___________________

(1) The assets, liabilities and operations of the subsidiaries are included in the consolidated financial statements included in this Annual Report on Form 10-K.

 

 

  

 

 

 

 

 

 EX-23.0 5 v346181_ex23-0.htm EXHIBIT 23.0

 

EXHIBIT 23.0

 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

The Board of Directors

Madison Bancorp, Inc.:

 

We hereby consent to the incorporation by reference in the Registration Statement on Form S-8 (No. 333-178109) of Madison Bancorp, Inc. of our report dated June 24, 2013 with respect to the consolidated statements of financial condition of Madison Bancorp, Inc. and Subsidiaries as of March 31, 2013 and the related consolidated statements of operations, comprehensive income, changes in shareholders’ equity and cash flows for each of the years in the two-year period ended March 31, 2013, which report appears in the Annual Report on Form 10-K for the year ended March 31, 2013 of Madison Bancorp, Inc.

 

 

/s/ Rowles & Company, LLP

 

Rowles & Company, LLP

 

Baltimore, Maryland

June 25, 2013

 

 

 

 EX-31.0 6 v346181_ex31-0.htm EXHIBIT 31.0

 

EXHIBIT 31.0

CERTIFICATION

 

I, Michael P. Gavin, certify that:

 

1.I have reviewed this Annual Report on Form 10-K of Madison Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and in preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report, based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Dated: June 24, 2013

 

  /s/ Michael P. Gavin  
  Michael P. Gavin  
  President, Chief Executive Officer and
  Chief Financial Officer
  (principal executive officer and principal financial  
  and accounting officer)  

 

 
 EX-32.0 7 v346181_ex32-0.htm EXHIBIT 32.0

EXHIBIT 32.0

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

 

In connection with the Annual Report on Form 10-Q of Madison Bancorp, Inc. (the “Company”) for the year ended March 31, 2013, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

 

1.The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

 

2.The information contained in the Report fairly presents, in all material respects, the consolidated financial condition and results of operations of the Company as of and for the period covered by the Report.

 

 

  By: /s/ Michael P. Gavin  
  Michael P. Gavin  
  President, Chief Executive Officer and
  Chief Financial Officer
  (principal executive officer and principal financial and accounting officer)  

 

 

 

 

 

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Activities and Summary of Significant Accounting Policies</b></p> <p style="text-align: justify; margin: 0pt 0px; font: 10pt times new roman, times, serif;">&#160;</p> <p style="text-indent: 0.5in; margin: 0pt 0px; font: 10pt times new roman, times, serif;">Madison Bancorp, Inc. (Company) was incorporated on May 20, 2010 to be the holding company for Madison Square Federal Savings Bank (Bank) in conjunction with the Bank&#8217;s plan of conversion from mutual to stock form of ownership. On October 6, 2010, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a mutual savings bank to a stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 608,116 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of $5,340,068, net of offering expenses of $741,092. In connection with the conversion, the Bank&#8217;s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 7% of the sum of the number of shares, or 42,568 shares of common stock sold in the offering. All material intercompany accounts and transaction have been eliminated in consolidation.</p> <p style="margin: 0pt 0px; font: 10pt times new roman, times, serif;">&#160;</p> <p style="text-indent: 0.5in; margin: 0pt 0px; font: 10pt times new roman, times, serif;">In accordance with regulations in effect at the time of completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder&#8217;s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.</p> <p style="margin: 0pt 0px; font: 10pt times new roman, times, serif;">&#160;</p> <p style="text-indent: 0.5in; margin: 0pt 0px; font: 10pt times new roman, times, serif;">Madison Square Federal Savings Bank was incorporated in 1870 under the laws of the State of Maryland. The Bank is a federally chartered savings bank engaged in banking and related services primarily in the Baltimore Metropolitan area.</p> <p style="margin: 0pt 0px; font: 10pt times new roman, times, serif;">&#160;</p> <p style="margin: 0pt 0px; font: 10pt times new roman, times, serif;"><b>Summary of Significant Accounting Policies </b></p> <p style="text-indent: 0.5in; margin: 0pt 0px; font: 10pt times new roman, times, serif;">&#160;</p> <p style="text-indent: 0.5in; margin: 0pt 0px; font: 10pt times new roman, times, serif;">The accounting and reporting policies of Madison Bancorp, Inc. and Subsidiaries (collectively &#8220;Madison&#8221;) conform to accounting principles generally accepted in the United States of America (&#8220;U.S. GAAP&#8221;) and to general practices in the banking industry. 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Weighted Average Assumptions Were Used Black-Scholes-Merton (Detail)
 12 Months Ended
Mar. 31, 2012
Schedule Of Share Based Payment Award Stock Options Valuation Assumptions [Line Items]  
Expected volatility 18.87%
Risk-free interest rate 1.04%
Expected lives 5 years

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Loans Secured by Mortgages (Detail) (Mortgage Backed Securities [Member], USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Mortgage Backed Securities [Member]
    
Schdule Of Related Party Transactions [Line Items]    
Balance - Beginning of year $ 566,320 $ 427,064
New loans 150,000 172,000
Principal repayments (175,768) (32,744)
Balance - End of year $ 540,552 $ 566,320
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Borrowings
 12 Months Ended
Mar. 31, 2013
Debt Disclosure [Abstract]  
Borrowings

Note 9. Borrowings

 

At March 31, 2013, Madison Square FSB had the ability to borrow a total of approximately $30.3 million from the Federal Home Loan Bank of Atlanta and $7.0 million by way of lines of credit with two large unaffiliated financial institutions. The FHLB borrowing requires us to pledge mortgage loans as collateral and the line of credit requires us to pledge brokered CD’s or US Government Agency securities. At March 31, 2013 and 2012, we had no Federal Home Loan Bank advances outstanding or borrowings on the lines of credit. The rates on the borrowing lines will be determined at the time of an advance.
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Premises and Equipment, Related Depreciation and Amortization (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, gross $ 5,636,154 $ 5,646,807
Less: accumulated depreciation and amortization 2,097,775 1,893,095
Premises and equipment, net 3,538,379 3,753,712
Depreciation and amortization expense 209,230 232,192
Land
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, gross 619,214 632,925
Buildings
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, gross 3,673,698 3,673,698
Furniture and equipment
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, gross 1,149,351 1,146,293
Leasehold improvements
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, gross 134,611 134,611
Automobiles
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, gross $ 59,280 $ 59,280
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Consolidated Statements of Operations (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Interest Revenue    
Loans, including fees $ 4,330,099 $ 4,722,400
Investment securities available-for-sale 785,048 1,026,505
Interest-bearing deposits 20,855 24,424
Other 6,571 30,017
Total Interest Revenue 5,142,573 5,803,346
Deposits:    
Time 1,521,162 1,910,906
Savings 33,301 44,884
NOW and Money Market 21,445 31,734
Borrowings 15 0
Total Interest Expense 1,575,923 1,987,524
Net Interest Income 3,566,650 3,815,822
Provision for Loan Losses 230,000 292,099
Net Interest Income after Provision for Loan Losses 3,336,650 3,523,723
Noninterest Revenue    
Gain on sale of investment securities 292,321 198,029
Gain (loss) on disposal of property 71,026 (262)
Provision for ground rent losses 0 (155,956)
Other 183,301 183,051
Total Noninterest Revenue 546,648 224,862
Noninterest Expenses    
Salaries and employee benefits 1,981,428 2,041,880
Occupancy and equipment expense 841,936 865,591
Advertising 10,379 12,203
Professional services 196,590 184,672
FDIC premiums and regulatory assessments 169,155 194,175
Data processing 204,901 213,622
Stationery and postage 69,398 79,075
Other operating expenses 195,858 167,914
Total Noninterest Expense 3,669,645 3,759,132
Income (Loss) Before Income Taxes 213,653 (10,547)
Income Tax Expense 0 0
Net Income (Loss) $ 213,653 $ (10,547)
Net income (loss) per common share - basic $ 0.37 $ (0.02)
Net income (loss) per common share - diluted $ 0.37 $ (0.02)
XML 20 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Income per Share
 12 Months Ended
Mar. 31, 2013
Earnings Per Share [Abstract]  
Net Income per Share

Note 2. Net Income per Share

 

Basic earnings per share are computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. Both the basic and diluted earnings per share for the years ended March 31, 2013 and 2012 are summarized below:

 

    Year Ended
March 31, 2013		     Year Ended
March 31, 2012		  
             
Net income (loss)   $ 213,653     $ (10,547 )
                 
Average common shares outstanding     572,594       569,266  
Stock option adjustment     10,175       0  
Average common shares outstanding - diluted     582,769       569,266  
                 
Net income (loss) per common share - basic   $ 0.37     $ (0.02 )
Net income (loss) per common share - diluted   $ 0.37     $ (0.02 )
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Related Party Transactions
 12 Months Ended
Mar. 31, 2013
Related Party Transactions [Abstract]  
Related Party Transactions

Note 16. Related Party Transactions

 

The officers and directors of the Bank enter into loan transactions with the Bank in the ordinary course of business. As of March 31, 2013 and 2012, loans secured by mortgages included loans to officers and directors of $540,552 and $566,320, respectively. Activity in these loans during the year ended March 31, 2013 and 2012 was as follows:

 

    2013     2012  
             
Balance – Beginning of year   $ 566,320     $ 427,064  
New loans     150,000       172,000  
Principal repayments     (175,768 )     (32,744 )
Balance – End of year   $ 540,552     $ 566,320  

 

These loans are made on the same terms, including interest rate and collateral, as those prevailing at the time for comparable loans with unrelated borrowers and include loans to officers who are not considered executive officers.

 

The Bank held deposits of $1,010,325 and $986,014 from officers and directors at March 31, 2013 and 2012, respectively.

 

An executive of the company that provides data processing services to the Bank joined our board of directors during the year ended March 31, 2012. Payments to the data processing provider, under the terms of a contract that was signed prior to the executive joining our board, were $172,459 and $173,547 during the years ended March 31, 2013 and 2012, respectively.
XML 23 R67.htm IDEA: XBRL DOCUMENT v2.4.0.6
Provisions for Income Taxes (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Current:    
Federal $ (74,308) $ 15,062
State (6,867) 6,956
Deferred income tax 81,175 (22,018)
Total $ 0 $ 0
XML 24 R56.htm IDEA: XBRL DOCUMENT v2.4.0.6
Interest Bearing Deposits (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Interest Bearing Deposits [Line Items]    
NOW $ 2,411,954 $ 2,254,834
Money market 6,334,571 5,646,923
Savings 24,677,117 22,750,913
Time 95,260,430 102,946,003
Interest bearing $ 128,684,072 $ 133,598,673
XML 25 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements
 12 Months Ended
Mar. 31, 2013
Fair Value Disclosures [Abstract]  
Fair Value Measurements

Note 10. Fair Value Measurements

 

Accounting guidance defines fair value to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. These standards have also established a three-level hierarchy for fair value measurements based upon the inputs to the valuation of an asset or liability.

 

· Level 1 — Valuation is based on quoted prices in active markets for identical assets and liabilities.
· Level 2 — Valuation is determined from quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar instruments in markets that are not active, or by model-based techniques in which all significant inputs are observable in the market.
· Level 3 — Valuation is derived from model-based techniques in which at least one significant input is unobservable and based on the Bank’s own estimates about the assumptions that market participants would use to value the asset or liability.

 

Investment securities available-for-sale are the only financial assets measured at fair value on a recurring basis. As of March 31, 2013 and 2012, the fair values were measured using the following methodologies:

 

    March 31, 2013  
    Level 1     Level 2     Level 3     Total  
Investment securities available-for-sale:                                
U.S. Government agencies   $ 1,024,845     $ 14,096,933     $ 0     $ 15,121,778  
Brokered certificates of deposit     8,479,275       0       0       8,479,275  
Mortgage-backed securities (Agency)     1,022,582       17,503,140       495,932       19,021,654  
Collateralized mortgage obligations (Agency)     285,887       12,797,159       576,422       13,659,468  
    $ 10,812,589     $ 44,397,232     $ 1,072,354     $ 56,282,175  

 

    March 31, 2012  
    Level 1     Level 2     Level 3     Total  
Investment securities available-for-sale:                                
U.S. Government agencies   $ 0     $ 2,001,765     $ 0     $ 2,001,765  
Brokered certificates of deposit     6,880,029       0       0       6,880,029  
Mortgage-backed securities (Agency)     2,606,719       29,713,758       0       32,320,477  
Collateralized mortgage obligations (Agency)     1,258,351       9,939,807       988,908       12,187,066  
    $ 10,745,099     $ 41,655,330     $ 988,908     $ 53,389,337  

 

The following table summarizes activity in securities valued using Level 3 inputs during the years ended March 31, 2013 and 2012:

 

    March 31,
2013		     March 31,
2012		  
             
Balance at beginning of year   $ 988,908     $ 521,339  
Purchases     1,072,354       1,001,253  
Sales     (0 )     (2,246 )
Paydowns     (0 )     (12,825 )
Transfers in and/or out of Level 3     (988,908 )     (518,613 )
Balance at the end of the year   $ 1,072,354     $ 988,908  

 

The Company measures its impaired loans on a nonrecurring basis, generally based on the fair value of the loans’ collateral. Fair value is generally determined based upon independent appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values

 

The Company measures its foreclosed real estate on a nonrecurring basis at fair value less estimated cost to sell. As of March 31, 2013, the fair value of foreclosed real estate was estimated to be $55,000. Fair value was determined based on offers and/or appraisals. Cost to sell the assets was based on standard market factors. The Company has categorized its foreclosed real estate as Level 3. There was no foreclosed real estate as of March 31, 2012.

 

    March 31, 2013  
    Level 1     Level 2     Level 3     Total  
                         
Impaired loans   $ 0     $ 0     $ 1,167,596     $ 1,167,596  
Foreclosed real estate     0       0       55,000       55,000  
 Total   $ 0     $ 0     $ 1,222,596     $ 1,222,596  
                                 

 

    March 31, 2012  
    Level 1     Level 2     Level 3     Total  
                                 
Impaired loans   $ 0     $ 0     $ 1,276,462     $ 1,276,462  

 

The Bank does not report the fair value of its other financial assets or liabilities on the statement of condition on a recurring basis. The estimated fair values of these financial instruments are as follows:

 

    March 31, 2013     March 31, 2012  
(dollars in thousands)   Book
Value		     Estimated
Fair Value		     Book
Value		     Estimated
Fair Value		  
                           
Financial assets                                
Level 2 inputs:                                
Cash and cash equivalents   $ 4,813     $ 4,813     $ 10,735     $ 10,735  
Certificates of deposit     500       500       738       738  
Accrued interest receivable     422       422       428       428  
Level 3 inputs:                                
Federal Home Loan Bank stock   $ 182     $ 182     $ 235     $ 235  
Loans, net     83,540       96,396       84,986       95,704  
Foreclosed real estate     55       55       0       0  
                                 
Financial liabilities                                
Level 2 inputs:                                
Noninterest-bearing deposits   $ 5,972     $ 5,972     $ 6,583     $ 6,583  
Advances from borrowers for taxes and insurance     627       627       543       543  
Level 3 inputs:                                
Interest-bearing deposits     128,684       129,625       133,599       134,886  

 

The following methods and assumptions were used to estimate the fair values of financial instruments as of March 31, 2013 and 2012:

 

Cash and cash equivalents: The amounts reported at cost approximate the fair value of these assets.

 

Certificates of deposit: The amounts reported at cost approximate the fair value of these assets.

 

Loans, net: The fair value of loans is estimated by discounting future cash flows using current rates for which we would make similar loans to borrowers with similar credit histories.

 

Deposits: The fair value of demand deposits and savings accounts is the amount payable on demand. The fair value of fixed maturity certificates of deposit are estimated using the rates currently offered for deposits of similar remaining maturities.

 

Advanced payments by borrowers for taxes and insurance: The amounts reported at cost approximate the fair value of these assets.

 

The fair value of outstanding loan commitments and unused lines of credit are considered to be the same as the contractual amounts, and are not included in the table above. These commitments generate fees that approximate those currently charged to originate similar commitments.
XML 26 R48.htm IDEA: XBRL DOCUMENT v2.4.0.6
Class and Credit Quality Indicator (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross $ 84,270,072 $ 85,737,519
Commercial | Investment grade
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 4,090,168 5,624,473
Commercial | Investment grade | Pass
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 3,702,067 4,925,036
Commercial | Investment grade | Special Mention
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 372,524 699,437
Commercial | Investment grade | Substandard
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 15,577 0
Commercial | Investment grade | Doubtful
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 0
Commercial | Investment grade | Loss
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 0
Commercial Real Estate | Investment grade
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 15,442,160 [1] 14,885,346 [1]
Commercial Real Estate | Investment grade | Pass
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 11,634,602 [1] 13,298,287 [1]
Commercial Real Estate | Investment grade | Special Mention
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 3,430,979 [1] 1,587,059 [1]
Commercial Real Estate | Investment grade | Substandard
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 376,579 [1] 0 [1]
Commercial Real Estate | Investment grade | Doubtful
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 [1] 0 [1]
Commercial Real Estate | Investment grade | Loss
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 [1] 0 [1]
Residential Real Estate Construction and Land | Investment grade
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 5,558,750 7,771,662
Residential Real Estate Construction and Land | Investment grade | Pass
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 2,021,668 5,592,390
Residential Real Estate Construction and Land | Investment grade | Special Mention
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 3,396,480 1,946,770
Residential Real Estate Construction and Land | Investment grade | Substandard
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 140,602 232,502
Residential Real Estate Construction and Land | Investment grade | Doubtful
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 0
Residential Real Estate Construction and Land | Investment grade | Loss
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 0
Residential Real Estate Other | Investment grade
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 58,775,664 [2] 56,843,712 [2]
Residential Real Estate Other | Investment grade | Pass
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 57,944,859 [2] 54,941,070 [2]
Residential Real Estate Other | Investment grade | Special Mention
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 509,874 [2] 736,182 [2]
Residential Real Estate Other | Investment grade | Substandard
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 320,931 [2] 1,166,460 [2]
Residential Real Estate Other | Investment grade | Doubtful
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 [2] 0 [2]
Residential Real Estate Other | Investment grade | Loss
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 [2] 0 [2]
Consumer | Investment grade
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 403,330 612,326
Consumer | Investment grade | Pass
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 401,803 612,326
Consumer | Investment grade | Special Mention
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 0
Consumer | Investment grade | Substandard
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 1,527 0
Consumer | Investment grade | Doubtful
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross 0 0
Consumer | Investment grade | Loss
    
Financing Receivable, Recorded Investment [Line Items]    
Loans receivable, gross $ 0 $ 0
[1] Commercial real estate includes farm loans guaranteed by the USDA.
[2] Residential real estate other includes 1-4 family residential, multifamily residential and home equity lines of credit.
XML 27 R80.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Statement of Financial Condition (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Mar. 31, 2011
Assets      
Cash and due from bank $ 663,720 $ 929,870  
Certificates of deposit 499,862 737,975  
ESOP loan receivable 83,540,352 84,986,411  
Total Assets 149,901,846 155,245,127  
Shareholders' Equity      
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 at March 31, 2013 and 2012 6,081 6,081  
Additional paid-in capital 5,361,954 5,345,251  
Retained earnings 9,049,637 8,835,984  
Unearned ESOP shares (338,813) (362,300)  
Accumulated other comprehensive income 181,229 329,702  
Total Shareholders' Equity 14,260,088 14,154,718 13,639,031
Total Liabilities and Shareholders' Equity 149,901,846 155,245,127  
Parent Company
      
Assets      
Cash and due from bank 1,088,130 1,133,560  
Certificates of deposit 249,931 245,869  
ESOP loan receivable 334,590 358,378  
Investment in bank subsidiary 12,607,845 12,419,234  
Other assets 12,800 10,763  
Total Assets 14,293,296 14,167,804  
Liabilities      
Accrued expenses 33,208 13,086  
Shareholders' Equity      
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 at March 31, 2013 and 2012 6,081 6,081  
Additional paid-in capital 5,361,954 5,345,251  
Retained earnings 9,049,638 8,835,984  
Unearned ESOP shares (338,813) (362,300)  
Accumulated other comprehensive income 181,228 329,702  
Total Shareholders' Equity 14,260,088 14,154,718  
Total Liabilities and Shareholders' Equity $ 14,293,296 $ 14,167,804  
XML 28 R57.htm IDEA: XBRL DOCUMENT v2.4.0.6
Schedule of Maturity of Time Deposits (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Schedule Of Maturity Time Deposits [Line Items]    
Three months or less $ 17,062,454 $ 17,399,571
Over three months through one year 27,040,516 39,345,288
Over one year through two years 33,465,767 20,505,205
Over two years through three years 9,111,730 18,348,392
Over three years 8,579,963 7,347,547
Time Deposit Maturities $ 95,260,430 $ 102,946,003
XML 29 R38.htm IDEA: XBRL DOCUMENT v2.4.0.6
Related Party Transactions (Tables)
 12 Months Ended
Mar. 31, 2013
Related Party Transactions [Abstract]  
Related Party Loans Activity

Activity in these loans during the year ended March 31, 2013 and 2012 was as follows:

 

    2013     2012  
             
Balance – Beginning of year   $ 566,320     $ 427,064  
New loans     150,000       172,000  
Principal repayments     (175,768 )     (32,744 )
Balance – End of year   $ 540,552     $ 566,320  
XML 30 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
Net Income Per Share (Tables)
 12 Months Ended
Mar. 31, 2013
Earnings Per Share [Abstract]  
Calculation of Weighted Average Common Shares Outstanding

Both the basic and diluted earnings per share for the years ended March 31, 2013 and 2012 are summarized below:

 

    Year Ended
March 31, 2013		     Year Ended
March 31, 2012		  
             
Net income (loss)   $ 213,653     $ (10,547 )
                 
Average common shares outstanding     572,594       569,266  
Stock option adjustment     10,175       0  
Average common shares outstanding - diluted     582,769       569,266  
                 
Net income (loss) per common share - basic   $ 0.37     $ (0.02 )
Net income (loss) per common share - diluted   $ 0.37     $ (0.02 )
XML 31 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
Activities and Summary of Significant Accounting Policies (Policies)
 12 Months Ended
Mar. 31, 2013
Accounting Policies [Abstract]  
Principles of Consolidation
Principles of Consolidation. The accompanying consolidated financial statements include the accounts of the parent company and its wholly owned subsidiary, Madison Square Federal Savings Bank and its wholly owned subsidiary, Madison Financial Services Corporation (MFSC). MFSC is engaged in the business of insurance brokerage services primarily in the Baltimore area. All significant intercompany balances and transactions have been eliminated in consolidation.
Reclassifications
Reclassifications. Certain prior year amounts have been reclassified to conform to current period classifications. The reclassifications had no effect on net loss, or the net change in cash and cash equivalents and are not material to previously issued financial statements.
Nature of Operations
Nature of Operations. Madison is a bank holding company that operates a community bank with 4 branches. Madison’s primary source of revenue is derived from loans to customers, who are predominately small and middle-market businesses and middle-income individuals.
Use of Estimates

Use of Estimates. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of commitments and contingent liabilities at the date of the financial statements and revenue and expenses during the year. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income tax valuation allowances, the fair value of investment securities and other-than-temporary impairment of investment securities.
Significant Concentrations of Credit Risk
Significant Concentrations of Credit Risk. Substantially all of Madison’s loans are to enterprises and individuals in its market area. There is no concentration of loans to borrowers in any one industry or related industries that exceeds 10% of total loans.
Cash and Cash Equivalents
Cash and Cash Equivalents. Cash and cash equivalents include cash on hand, balances due from banks, and federal funds sold.
Certificates of Deposit
Certificates of Deposit. Certificates of deposit that are not purchased through a broker and classified as available-for-sale, mature within 12 months and are recorded at cost.
Investment Securities

Investment Securities. Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Madison did not have any securities classified as trading or held-to-maturity at March 31, 2013 or 2012. Amortization and accretion are recognized in interest revenue using the interest method. Debt securities that management has the intent and ability to hold to maturity are classified as held-to-maturity and carried at amortized cost. All other securities are classified as available-for-sale and reported at fair value.

  

Changes in unrealized gains and losses, net of related deferred taxes, for available-for-sale securities are recorded in accumulated other comprehensive income. The credit component of an other-than-temporary impairment is recorded in noninterest revenue and the non-credit component is recorded in accumulated other comprehensive income in the period in which the impairment is recognized. Realized gains and losses on securities are recognized using the specific identification method and are included in noninterest revenue.

 

Securities classified as available-for-sale include investments management intends to use as part of its asset/liability management strategy. Those securities that have long-term unrealized gains, for which fair value is greater than cost, may be sold in response to changes in interest rates, resultant prepayment risk, and other factors. Madison does not have the intent to sell any of its available-for-sale securities that are in an unrealized-loss position, and it is more likely than not that Madison will not be required to sell these securities before recovery of its amortized cost basis.

 

Management evaluates securities for impairment on a quarterly basis. Management assesses whether (a) it has the intent to sell a security being evaluated and (b) it is more likely than not that the Bank will be required to sell the security prior to its anticipated recovery. If neither applies, then declines in the fair values of securities below their cost that are considered other-than-temporary declines would be split into two components. The first is the loss attributable to declining credit quality. Credit losses are recognized in earnings as realized losses in the period in which the impairment determination is made. The second component consists of all other losses, which are recognized in other comprehensive income. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) adverse conditions specifically related to the security, (3) changes in the rating of the security by a rating agency, (4) recoveries or additional declines in fair value subsequent to the balance sheet date, (5) failure of the issuer of the security to make scheduled interest or principal payments, and (6) the payment structure of the debt security and the likelihood of the issuer being able to make payments in the future. Management also monitors cash flow projections for securities that are considered beneficial interests.
Federal Home Loan Bank Stock

Federal Home Loan Bank Stock. Federal Home Loan Bank of Atlanta (the “FHLB”) stock is an equity interest in the FHLB, which does not have a readily determinable fair value for purposes of generally accepted accounting principles, because its ownership is restricted and it lacks a market. FHLB stock can be sold back only at par value of $100 per share and only to the FHLB or another member institution. As of March 31, 2013 and 2012, the Company owned shares totaling $181,800 and $234,500, respectively.

 

The Company evaluates the FHLB stock for impairment in accordance with generally accepted accounting principles. The Company’s determination of whether this investment is impaired is based on an assessment of the ultimate recoverability of its cost rather than by recognizing temporary declines in value. The determination of whether a decline in value affects the ultimate recoverability of its cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and accordingly on the customer base of the FHLB.
Loans Receivable

Loans Receivable. Loans receivable are stated at their outstanding unpaid principal balances, net of any deferred fees or costs, and the allowance for loan losses.

 

Loan origination fees and the direct costs of underwriting and closing loans are recognized over the life of the related loan as an adjustment to yield. Any differences that arise from prepayment will result in a recalculation of the effective yield.

 

Interest income on loans is accrued based on the principal amounts outstanding. The accrual of interest is discontinued when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. At the time the loan is classified as nonaccrual, all previously accrued interest is reversed from interest revenue. Revenue is subsequently recognized only to the extent cash payments are received until, in management’s judgment, the borrower’s ability to make periodic interest and principal payments is no longer in doubt. The loan is then returned to accrual status.

 

Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms. Generally, loans are not reviewed for impairment until the accrual of interest has been discontinued. If collection of principal is evaluated as doubtful, all payments are applied to principal. Impaired loans are measured: (i) at the present value of expected cash flows discounted at the loan’s effective interest rate; (ii) at the observable market price; or (iii) at the fair value of the collateral if the loan is collateral dependent. If the measure of the impaired loan is less than the recorded investment in the loan, an impairment is recognized through a valuation allowance and corresponding provision for loan losses.

 

Troubled debt restructurings are loans for which Madison, for legal or economic reasons related to a debtor’s financial difficulties, has granted a concession to the debtor that it otherwise would not have considered. Concessions that result in the categorization of a loan as a troubled debt restructuring include:

 

· Reduction (absolute or contingent) of the stated interest rate;

 

· Extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk;

 

· Reduction (absolute or contingent) of the face amount or maturity amount of the debt as stated in the instrument or other agreement; or

 

· Reduction (absolute or contingent) of accrued interest.
Allowance for Loan Losses

Allowance for Loan Losses. The allowance for loan losses is established, as losses are estimated to have occurred, through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Recoveries on previously charged-off loans are credited to the allowance.

 

The allowance for loan losses is increased by provisions charged to income and reduced by charge-offs, net of recoveries. Management’s periodic evaluation of the adequacy of the allowance is based on the Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and current economic conditions.

 

Management considers a number of factors in estimating the required level of the allowance. These factors include: historical loss experience in the loan portfolios; the levels and trends in past-due and nonaccrual loans; the status of nonaccrual loans and other loans identified as having the potential for further deterioration; credit risk and industry concentrations; trends in loan volume; the effects of any changes in lending policies and procedures or underwriting standards; and a continuing evaluation of the economic environment. 
Premises and Equipment

Premises and Equipment. Land is carried at cost. Buildings, land improvements, leasehold improvements, and furniture and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed primarily by the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized over the lesser of the lease term or the useful lives of the improvements. Maintenance and normal repairs are charged to noninterest expense as incurred, while additions and improvements to buildings and furniture and equipment are capitalized. Gains or losses on disposition of assets are reflected in earnings.

 

Long-lived assets are evaluated for impairment by management on an ongoing basis. Impairment may occur whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable.
Ground Rents
Ground Rents. The Bank sold its entire ground rent portfolio in May 2012. Ground rents were carried at cost, less a valuation allowance, and had been held as a long-term investment. The Bank recorded an estimated valuation allowance for the quarter ended March 31, 2012, based on the terms of a contract to sell the ground rent portfolio for $290,000.
Foreclosed Real Estate
Foreclosed Real Estate. Real estate property acquired through foreclosure or other means is recorded at the lower of its carrying value or the fair value of the related real estate collateral at the transfer date less estimated selling costs. Losses incurred at the time of foreclosure are charged to the allowance for loan losses. Subsequent reductions in the estimated fair value of the property are recorded in noninterest expense. Costs to maintain other real estate are expensed as incurred.
Off-Balance-Sheet Credit-Related Financial Instruments
 Off-Balance-Sheet Credit-Related Financial Instruments. In the ordinary course of business, Madison enters into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded or otherwise required to be recognized.
Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income. Madison records unrealized gains and losses on available-for-sale securities in accumulated other comprehensive income, net of taxes. Unrealized gains and losses on available-for-sale securities are reclassified into earnings as the gains or losses are realized upon sale of the securities. The credit component of unrealized losses on available-for-sale securities that are determined to be other-than-temporarily impaired are reclassified into earnings at the time the determination is made.
Income Taxes
Income Taxes. Deferred income taxes reflect the temporary tax consequences on future years of differences between the financial statement and tax bases of assets and liabilities using enacted tax rates in effect for the year in which the difference is expected to reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax asset will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment.
Earnings per Common Share
Earnings per Common Share. Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share includes additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares relate to outstanding stock options, restricted stock, and warrants and are determined using the treasury stock method.
Subsequent Events
Subsequent Events. We evaluated subsequent events after March 31, 2013, through June 21, 2013, the date this report was available to be issued. No significant events were identified that would affect the presentation of the financial statements.
Recently Adopted Accounting Guidance

Recently Adopted Accounting Guidance

  

ASU 2011-11, “Balance Sheet (Topic 210) — “Disclosures about Offsetting Assets and Liabilities.” ASU 2011-11 amends Topic 210, “Balance Sheet,” to require an entity to disclose both gross and net information about financial instruments, such as sales and repurchase agreements, reverse sale and repurchase agreements and securities borrowing/lending arrangements, and derivative instruments that are eligible for offset in the statement of financial position and/or subject to a master netting arrangement or similar agreement. ASU 2013-01, “Balance Sheet (Topic 210) – Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities,” clarifies that ordinary trade receivables are not within the scope of ASU 2011-11. AUS 2011-11, as amended by ASU 2013-01, became effective on January 1, 2013, and did not have a significant impact on our financial statements.

 

ASU 2012-02 “Intangibles – Goodwill and Other (Topic 350) – Testing Indefinite-Lived Intangible Assets for Impairment.” ASU 2012-02 gives entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 became effective on January 1, 2013 and did not have a significant impact on our financial statements.

 

ASU 2012-06 “Business Combinations (Topic 805) – Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution (a consensus of the FASB Emerging Issues Task Force).” ASU 2012-06 clarifies the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution. Under ASU 2012-06, when a reporting entity recognizes an indemnification asset as a result of a government-assisted acquisition of a financial institution and, subsequently, a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification), the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). ASU 2012-06 became effective on January 1, 2013 and did not have a significant impact on our financial statements.

 

ASU 2013-02 “Comprehensive Income (Topic 220) – Reporting of Amounts of Reclassified Out of Accumulated Other Comprehensive Income.” ASU 2013-02 amends recent guidance related to the reporting of comprehensive income to enhance the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 became effective on January 1, 2013 and did not have a significant impact on our financial statements
XML 32 R46.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Schedule of Available-for-sale Securities [Line Items]    
Proceeds from sales of investment securities $ 21,035,062 $ 28,599,397
Proceeds from sales of investment securities, gains 317,681 400,176
Proceeds from sales of investment securities, losses $ 25,360 $ 202,147
XML 33 R34.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Capital (Tables)
 12 Months Ended
Mar. 31, 2013
Banking and Thrift [Abstract]  
Regulatory Capital Ratios for Madison Square Federal Savings Bank

As of March 31, 2013, the most recent date of filing of the Consolidated Reports of Condition and Income with the Board of Governors of the Federal Reserve System, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action as disclosed in the table below. Management knows of no events or conditions that would change this classification:

 

          Minimum     To Be Well  
    Actual     Requirements     Capitalized  
(dollars in thousands)   Amount     %     Amount     %     Amount     %  
                                     
As of March 31, 2013:                                                
Total risk-based capital (to risk-weighted assets)   $ 13,298       19.1 %   $ 5,571       8.0 %   $ 6,963       10.0 %
Tier I capital (to risk-weighted assets)     12,427       17.8       N/A       N/A       4,178       6.0  
Tier I capital (to adjusted total assets)     12,427       8.3       5,986       4.0       7,483       5.0  
                                                 
As of March 31, 2012:                                                
Total risk-based capital (to risk-weighted assets)   $ 12,922       17.2 %   $ 6,005       8.0 %   $ 7,506       10.0 %
Tier I capital (to risk-weighted assets)     12,085       16.1       N/A       N/A       4,503       6.0  
Tier I capital (to adjusted total assets)     12,085       7.8       6,200       4.0       7,750       5.0  
XML 34 R40.htm IDEA: XBRL DOCUMENT v2.4.0.6
Activities and Summary of Significant Accounting Policies - Additional Information (Detail) (USD $)
 12 Months Ended 0 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Oct. 06, 2010
Board of Directors Chairman
Summary Of Significant Accounting Policies [Line Items]      
Sale and issuance of shares of common stock , shares 608,116 608,116 608,116
Sale and issuance of shares of common stock , price per share $ 0.01 $ 0.01 $ 10
Sale and issuance of shares of common stock, net     $ 5,340,068
Sale and issuance of shares of common stock , offering expense     741,092
Subscribtion of percent of the number of shares sold in the offering under ESOP     7.00%
Subscribtion of the shares of common stock under ESOP 42,568   42,568
Federal home loan bank stock par value $ 100 $ 100  
Federal Home Loan Bank stock, at cost 181,800 234,500  
Proceeds from sale of ground rents $ 290,000 $ 7,900  
XML 35 R49.htm IDEA: XBRL DOCUMENT v2.4.0.6
Age Analysis of Past Due Loans (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due $ 1,005,220 $ 1,819,662
60-89 Days Past Due 74,160 50
90 Days or More Past Due 707,263 816,600
Total Past Due 1,786,643 2,636,312
Current 82,483,429 83,101,207
Total Loans 84,270,072 85,737,519
Commercial
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 0 31,194
60-89 Days Past Due 0 0
90 Days or More Past Due 15,577 0
Total Past Due 15,577 31,194
Current 4,074,591 5,593,279
Total Loans 4,090,168 5,624,473
Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 3,494 0
60-89 Days Past Due 0 50
90 Days or More Past Due 1,527 0
Total Past Due 5,021 50
Current 398,309 612,276
Total Loans 403,330 612,326
Mortgage Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 1,001,726 1,788,468
60-89 Days Past Due 74,160 0
90 Days or More Past Due 690,159 816,600
Total Past Due 1,766,045 2,605,068
Current 78,010,529 76,895,652
Total Loans 79,776,574 79,500,720
Mortgage Receivable | Commercial
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 0 384,887
60-89 Days Past Due 0 0
90 Days or More Past Due 376,579 0
Total Past Due 376,579 384,887
Current 14,177,037 14,500,459
Total Loans 14,553,616 14,885,346
Mortgage Receivable | Land
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
90 Days or More Past Due 0 0
Total Past Due 0 0
Current 4,191,616 6,568,154
Total Loans 4,191,616 6,568,154
Mortgage Receivable | Farm
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
90 Days or More Past Due 0 0
Total Past Due 0 0
Current 888,544 0
Total Loans 888,544 0
Mortgage Receivable | Residential construction
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 424,938 0
60-89 Days Past Due 0 0
90 Days or More Past Due 0 0
Total Past Due 424,938 0
Current 942,196 1,203,508
Total Loans 1,367,134 1,203,508
Mortgage Receivable | Residential Mortgage | 1-4 Single family
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 576,788 1,403,581
60-89 Days Past Due 74,160 0
90 Days or More Past Due 313,580 816,600
Total Past Due 964,528 2,220,181
Current 53,639,656 50,782,571
Total Loans 54,604,184 53,002,752
Mortgage Receivable | Residential Mortgage | Multifamily
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
90 Days or More Past Due 0 0
Total Past Due 0 0
Current 1,513,209 1,593,173
Total Loans 1,513,209 1,593,173
Mortgage Receivable | Residential Mortgage | Line of Credit
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 0 0
60-89 Days Past Due 0 0
90 Days or More Past Due 0 0
Total Past Due 0 0
Current 2,658,271 2,247,787
Total Loans $ 2,658,271 $ 2,247,787
XML 36 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
Interest-bearing Deposits (Tables)
 12 Months Ended
Mar. 31, 2013
Interest Bearing Deposits [Abstract]  
Schedule of Interest-Bearing Deposits
  March 31,  
    2013     2012  
             
NOW   $ 2,411,954     $ 2,254,834  
Money market     6,334,571       5,646,923  
Savings     24,677,117       22,750,913  
Time     95,260,430       102,946,003  
    $ 128,684,072     $ 133,598,673  
Schedule of Maturity of Time Deposits

Schedule of maturity of time deposits:

 

    March 31,  
    2013     2012  
             
Three months or less   $ 17,062,454     $ 17,399,571  
Over three months through one year     27,040,516       39,345,288  
Over one year through two years     33,465,767       20,505,205  
Over two years through three years     9,111,730       18,348,392  
Over three years     8,579,963       7,347,547  
    $ 95,260,430     $ 102,946,003  
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Estimated Fair Value of Financial Instruments (Detail) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2013
Mar. 31, 2012
Book Value | Level 2
    
Financial assets    
Cash and cash equivalents $ 4,813 $ 10,735
Certificates of deposit 500 738
Accrued interest receivable 422 428
Financial liabilities    
Noninterest-bearing deposits 5,972 6,583
Advances from borrowers for taxes and insurance 627 543
Book Value | Level 3
    
Financial assets    
Federal Home Loan Bank stock 182 235
Loans, net 83,540 84,986
Foreclosed real estate 55 0
Financial liabilities    
Interest-bearing deposits 128,684 133,599
Estimate Fair Value | Level 2
    
Financial assets    
Cash and cash equivalents 4,813 10,735
Certificates of deposit 500 738
Accrued interest receivable 422 428
Financial liabilities    
Noninterest-bearing deposits 5,972 6,583
Advances from borrowers for taxes and insurance 627 543
Estimate Fair Value | Level 3
    
Financial assets    
Federal Home Loan Bank stock 182 235
Loans, net 96,396 95,704
Foreclosed real estate 55 0
Financial liabilities    
Interest-bearing deposits $ 129,625 $ 134,886
XML 38 R72.htm IDEA: XBRL DOCUMENT v2.4.0.6
Employee Stock Ownership Plan - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Oct. 06, 2010
Board of Directors Chairman
Employee Stock Ownership Plan Esop [Line Items]      
Employee stock ownership plan (ESOP), Debt structure, direct loan, Amount $ 425,680    
Subscribtion of the shares of common stock under ESOP 42,568   42,568
Percentage Of Purchase Offer     7.00%
Share price $ 10    
Loan repayment term 15 years    
Debt instrument, interest rate, stated percentage 3.25%    
Employee stock ownership plan accrued benefits vesting description 0% with less than 2 years of service; 33 1/3 % vested with service of 2 years; 66 2/3% vested with service of 3 years and 100% vested with service of 4 or more years    
Employee stock ownership plan (ESOP), compensation expense $ 31,218 $ 29,750  
XML 39 R63.htm IDEA: XBRL DOCUMENT v2.4.0.6
Foreclosed Real Estate on Nonrecurring Basis at Fair Value (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Fair Value Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]    
Impaired loans $ 1,167,596 $ 1,276,462
Foreclosed real estate 55,000 0
Total 1,222,596  
Level 1
    
Fair Value Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]    
Impaired loans 0 0
Foreclosed real estate 0  
Total 0  
Level 2
    
Fair Value Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]    
Impaired loans 0 0
Foreclosed real estate 0  
Total 0  
Level 3
    
Fair Value Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]    
Impaired loans 1,167,596 1,276,462
Foreclosed real estate 55,000  
Total $ 1,222,596  
XML 40 R43.htm IDEA: XBRL DOCUMENT v2.4.0.6
Amortized Cost and Estimated Fair Value of Investment Securities (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost $ 55,982,897 $ 52,844,871
Gross Unrealized Gains 388,012 585,491
Gross Unrealized Losses 88,734 41,025
Estimated Fair Value 56,282,175 53,389,337
U.S. government agencies
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 15,137,211 2,000,282
Gross Unrealized Gains 18,332 6,888
Gross Unrealized Losses 33,765 5,405
Estimated Fair Value 15,121,778 2,001,765
Brokered certificates of deposit
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 8,444,000 6,886,898
Gross Unrealized Gains 36,394 6,883
Gross Unrealized Losses 1,119 13,752
Estimated Fair Value 8,479,275 6,880,029
Mortgage-backed securities (Agency)
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 18,802,845 31,800,333
Gross Unrealized Gains 256,680 530,374
Gross Unrealized Losses 37,871 10,230
Estimated Fair Value 19,021,654 32,320,477
Collateralized mortgage obligations (Agency)
    
Schedule of Available-for-sale Securities [Line Items]    
Amortized Cost 13,598,841 12,157,358
Gross Unrealized Gains 76,606 41,346
Gross Unrealized Losses 15,979 11,638
Estimated Fair Value $ 13,659,468 $ 12,187,066
XML 41 R69.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Tax Effects of Temporary Differences Between Financial and Income Tax Accounting (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Deferred tax assets:    
Allowances for loan and ground rent losses $ 340,866 $ 400,747
Capital loss carry forward 195,263 223,325
Depreciation 26,676 18,529
Deferred compensation 12,722 2,523
Foreclosed real estate write-downs 789 0
Nonqualified stock-based compensation 1,453 0
Net operating loss and charitable contributions carry forward 332,767 343,677
Valuation allowance (772,055) (845,338)
Deferred Tax Assets, Net of Valuation Allowance 138,481 143,463
Deferred tax liabilities:    
Unrealized gains on investments 118,050 214,765
Deferred loan fees and costs 28,781 33,763
Deferred Tax Liabilities, Gross 146,831 248,528
Net deferred tax asset (liability) $ (8,350) $ (105,065)
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Condensed Financial Statements of Parent Company
 12 Months Ended
Mar. 31, 2013
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]  
Condensed Financial Statements of Parent Company

Note 17. Condensed Financial Statements of Parent Company

 

Presented below are the condensed statement of financial condition as of March 31, 2013 and 2012, and the related condensed statement of operations and condensed statement of cash flows for Madison Bancorp, Inc. for the years ended March 31, 2013 and 2012.

 

Condensed Statement of Financial Condition

 

    March 31, 2013     March 31, 2012  
Assets                
Cash and due from bank   $ 1,088,130     $ 1,133,560  
Certificates of deposit     249,931       245,869  
ESOP loan receivable     334,590       358,378  
Investment in bank subsidiary     12,607,845       12,419,234  
Other assets     12,800       10,763  
Total Assets   $ 14,293,296     $ 14,167,804  
                 
Liabilities and Shareholders’ Equity                
Liabilities                
Accrued expenses   $ 33,208     $ 13,086  
                 
Shareholders’ Equity                
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 at March 31, 2013 and 2012     6,081       6,081  
Additional paid-in capital     5,361,954       5,345,251  
Retained earnings     9,049,637       8,835,984  
Unearned ESOP shares     (338,813 )     (362,300 )
Accumulated other comprehensive income     181,229       329,702  
Total Shareholders’ Equity     14,260,088       14,154,718  
Total Liabilities and Shareholders’ Equity   $ 14,293,296     $ 14,167,804  

 

Condensed Statement of Operations

 

    March 31, 2013     March 31, 2012  
                 
Interest income on ESOP loan   $ 11,647     $ 12,552  
Interest income on intercompany deposits     5,148       8,279  
Interest income on certificate of deposit     4,099       4,165  
Total income     20,894       24,996  
                 
Operating expenses     104,137       111,729  
Loss before equity in net income (loss) of bank subsidiary     (83,243 )     (86,733 )
                 
Equity in net income (loss) of bank subsidiary     296,896       76,186  
                 
Net income (loss)   $ 213,653     $ (10,547 )

 

Condensed Statement of Cash Flows

 

    March 31, 2013     March 31, 2012  
Cash flows from operating activities:                
Net income (loss)   $ 213,653     $ (10,547 )
Adjustments to reconcile net loss to net cash used by operating activities:                
Equity in undistributed net (income) loss of subsidiary     (108,283 )     (76,186 )
Increase in other assets     (190,648 )     (1,882 )
Increase in other liabilities     20,123       305  
Other     0       0  
Net cash used by operating activities     (65,155 )     (88,310 )
                 
Cash flows from investing activities:                
Investment in bank subsidiary     0       0  
ESOP loan to bank     0       0  
Principal collected on ESOP loan     23,788       29,503  
Increase in certificates of deposit     (4,063 )     (4,533 )
Net cash provided by (used in) investing activities     19,725       24,970  
                 
Cash flows from financing activities:                
Proceeds from issuance of common stock (net of costs)     0       0  
Net cash provided by financing activities     0       0  
                 
Net change in cash and cash equivalents     (45,430 )     (63,340 )
Cash and cash equivalents, beginning of year     1,133,560       1,196,900  
Cash and cash equivalents, end of year   $ 1,088,130     $ 1,133,560  
XML 43 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Shareholders' Equity (USD $)
Total
Common Stock
Additional Paid-in Capital
Retained Earnings
Unearned ESOP Shares
Accumulated Other Comprehensive Income
Balance at Mar. 31, 2011 $ 13,639,031 $ 6,081 $ 5,335,052 $ 8,846,531 $ (397,300) $ (151,333)
Net income (loss) (10,547)     (10,547)    
Net unrealized gain on available-for-sale securities, net of tax effect 481,035         481,035
Stock-based compensation 15,449   15,449      
ESOP shares released for allocation 29,750   (5,250)   35,000  
Balance at Mar. 31, 2012 14,154,718 6,081 5,345,251 8,835,984 (362,300) 329,702
Net income (loss) 213,653     213,653    
Net unrealized gain on available-for-sale securities, net of tax effect (148,473)         (148,473)
Stock-based compensation 14,260   14,260      
ESOP shares released for allocation 25,930   2,443   23,487  
Balance at Mar. 31, 2013 $ 14,260,088 $ 6,081 $ 5,361,954 $ 9,049,637 $ (338,813) $ 181,229
XML 44 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Cash flows from Operating Activities    
Net income (loss) $ 213,653 $ (10,547)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:    
Amortization of investment securities, net 305,686 197,780
Decrease (Increase) in net deferred loan costs (93,812) 7,727
Provision for loan losses 230,000 292,099
Provision for ground rent losses 0 155,956
Gain on sale of investment securities (292,321) (198,029)
(Gain) loss on disposal of property and equipment (71,026) 262
Loss on sale of foreclosed real estate 0 9,948
Write-down of foreclosed real estate 2,000 10,000
Depreciation and amortization 209,230 232,192
ESOP activity 25,930 29,750
Stock-based compensation 14,260 15,449
Changes in operating assets and liabilities:    
Accrued interest receivable 6,504 12,641
Prepaid expenses and other assets 120,333 175,264
Other liabilities 88,609 (13,892)
Net cash provided by operating activities 759,046 916,600
Cash flows from Investing Activities    
Decrease in loans receivable, net 1,252,871 892,261
Decrease (Increase) in investment certificates of deposit, net 238,113 (255,302)
Activity in available-for-sale securities:    
Sales 21,035,062 28,599,397
Maturities, repayments and calls 17,969,466 17,811,631
Purchases (42,155,919) (46,380,770)
Purchase of property and equipment (17,727) (109,222)
Proceeds from sale of property and equipment 94,856 25
Proceeds from redemption of FHLB stock 52,700 8,000
Proceeds from sale of other real estate owned 0 414,052
Proceeds from sale of ground rents 290,000 7,900
Net cash provided by (used in) investing activities (1,240,578) 987,972
Cash flow from Financing Activities    
Increase (decrease) in deposits, net (5,525,429) 662,871
Increase (decrease) in advances from borrowers, net 84,884 (15,386)
Net cash provided by (used in) financing activities (5,440,545) 647,485
Net Change in Cash and Cash Equivalents (5,922,077) 2,552,057
Cash and Cash Equivalents, Beginning of Year 10,735,213 8,183,156
Cash and Cash Equivalents, End of Year 4,813,136 10,735,213
Supplemental disclosure:    
Loans transferred to foreclosed real estate 57,000 0
Interest paid $ 1,592,630 $ 1,987,390
XML 45 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Cash and Cash Equivalents
 12 Months Ended
Mar. 31, 2013
Cash and Cash Equivalents [Abstract]  
Cash and Cash Equivalents

Note 3. Cash and Cash Equivalents

 

The Company sells federal funds on an unsecured basis to correspondent banks. As of March 31, 2013 and 2012, the balance of federal funds sold on an unsecured basis was $173,535 and $173,185, respectively. As of March 31, 2013 and 2012, the Company had $168,629 and $1,244,143, respectively, invested in a money market account at a brokerage that is not covered by deposit insurance.

 

Financial institutions are required to carry noninterest-bearing cash reserves at specific percentages of deposit balances. The Bank’s normal amount of cash on hand and on deposit with other banks is sufficient to satisfy the reserve requirement.
XML 46 R73.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of ESOP Shares (Detail) (USD $)
Mar. 31, 2013
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]  
Shares allocated to employees 9,176
Unearned shares 33,392
Total ESOP shares 42,568
Fair value of unearned shares $ 492,532
XML 47 R9.htm IDEA: XBRL DOCUMENT v2.4.0.6
Activities and Summary of Significant Accounting Policies
 12 Months Ended
Mar. 31, 2013
Accounting Policies [Abstract]  
Activities and Summary of Significant Accounting Policies

Note 1. Activities and Summary of Significant Accounting Policies

 

Madison Bancorp, Inc. (Company) was incorporated on May 20, 2010 to be the holding company for Madison Square Federal Savings Bank (Bank) in conjunction with the Bank’s plan of conversion from mutual to stock form of ownership. On October 6, 2010, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a mutual savings bank to a stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 608,116 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of $5,340,068, net of offering expenses of $741,092. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (ESOP) which subscribed for 7% of the sum of the number of shares, or 42,568 shares of common stock sold in the offering. All material intercompany accounts and transaction have been eliminated in consolidation.

 

In accordance with regulations in effect at the time of completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

 

Madison Square Federal Savings Bank was incorporated in 1870 under the laws of the State of Maryland. The Bank is a federally chartered savings bank engaged in banking and related services primarily in the Baltimore Metropolitan area.

 

Summary of Significant Accounting Policies

 

The accounting and reporting policies of Madison Bancorp, Inc. and Subsidiaries (collectively “Madison”) conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”) and to general practices in the banking industry. The more significant policies follow:

 

Principles of Consolidation. The accompanying consolidated financial statements include the accounts of the parent company and its wholly owned subsidiary, Madison Square Federal Savings Bank and its wholly owned subsidiary, Madison Financial Services Corporation (MFSC). MFSC is engaged in the business of insurance brokerage services primarily in the Baltimore area. All significant intercompany balances and transactions have been eliminated in consolidation.

 

Reclassifications. Certain prior year amounts have been reclassified to conform to current period classifications. The reclassifications had no effect on net loss, or the net change in cash and cash equivalents and are not material to previously issued financial statements.

 

Nature of Operations. Madison is a bank holding company that operates a community bank with 4 branches. Madison’s primary source of revenue is derived from loans to customers, who are predominately small and middle-market businesses and middle-income individuals.

 

Use of Estimates. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of commitments and contingent liabilities at the date of the financial statements and revenue and expenses during the year. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, deferred income tax valuation allowances, the fair value of investment securities and other-than-temporary impairment of investment securities.

 

Significant Concentrations of Credit Risk. Substantially all of Madison’s loans are to enterprises and individuals in its market area. There is no concentration of loans to borrowers in any one industry or related industries that exceeds 10% of total loans.

 

Cash and Cash Equivalents. Cash and cash equivalents include cash on hand, balances due from banks, and federal funds sold.

 

Certificates of Deposit. Certificates of deposit that are not purchased through a broker and classified as available-for-sale, mature within 12 months and are recorded at cost.

 

Investment Securities. Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each balance sheet date. Madison did not have any securities classified as trading or held-to-maturity at March 31, 2013 or 2012. Amortization and accretion are recognized in interest revenue using the interest method. Debt securities that management has the intent and ability to hold to maturity are classified as held-to-maturity and carried at amortized cost. All other securities are classified as available-for-sale and reported at fair value.

  

Changes in unrealized gains and losses, net of related deferred taxes, for available-for-sale securities are recorded in accumulated other comprehensive income. The credit component of an other-than-temporary impairment is recorded in noninterest revenue and the non-credit component is recorded in accumulated other comprehensive income in the period in which the impairment is recognized. Realized gains and losses on securities are recognized using the specific identification method and are included in noninterest revenue.

 

Securities classified as available-for-sale include investments management intends to use as part of its asset/liability management strategy. Those securities that have long-term unrealized gains, for which fair value is greater than cost, may be sold in response to changes in interest rates, resultant prepayment risk, and other factors. Madison does not have the intent to sell any of its available-for-sale securities that are in an unrealized-loss position, and it is more likely than not that Madison will not be required to sell these securities before recovery of its amortized cost basis.

 

Management evaluates securities for impairment on a quarterly basis. Management assesses whether (a) it has the intent to sell a security being evaluated and (b) it is more likely than not that the Bank will be required to sell the security prior to its anticipated recovery. If neither applies, then declines in the fair values of securities below their cost that are considered other-than-temporary declines would be split into two components. The first is the loss attributable to declining credit quality. Credit losses are recognized in earnings as realized losses in the period in which the impairment determination is made. The second component consists of all other losses, which are recognized in other comprehensive income. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) adverse conditions specifically related to the security, (3) changes in the rating of the security by a rating agency, (4) recoveries or additional declines in fair value subsequent to the balance sheet date, (5) failure of the issuer of the security to make scheduled interest or principal payments, and (6) the payment structure of the debt security and the likelihood of the issuer being able to make payments in the future. Management also monitors cash flow projections for securities that are considered beneficial interests.

 

Federal Home Loan Bank Stock. Federal Home Loan Bank of Atlanta (the “FHLB”) stock is an equity interest in the FHLB, which does not have a readily determinable fair value for purposes of generally accepted accounting principles, because its ownership is restricted and it lacks a market. FHLB stock can be sold back only at par value of $100 per share and only to the FHLB or another member institution. As of March 31, 2013 and 2012, the Company owned shares totaling $181,800 and $234,500, respectively.

 

The Company evaluates the FHLB stock for impairment in accordance with generally accepted accounting principles. The Company’s determination of whether this investment is impaired is based on an assessment of the ultimate recoverability of its cost rather than by recognizing temporary declines in value. The determination of whether a decline in value affects the ultimate recoverability of its cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and accordingly on the customer base of the FHLB.

 

 Loans Receivable. Loans receivable are stated at their outstanding unpaid principal balances, net of any deferred fees or costs, and the allowance for loan losses.

 

Loan origination fees and the direct costs of underwriting and closing loans are recognized over the life of the related loan as an adjustment to yield. Any differences that arise from prepayment will result in a recalculation of the effective yield.

 

Interest income on loans is accrued based on the principal amounts outstanding. The accrual of interest is discontinued when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. At the time the loan is classified as nonaccrual, all previously accrued interest is reversed from interest revenue. Revenue is subsequently recognized only to the extent cash payments are received until, in management’s judgment, the borrower’s ability to make periodic interest and principal payments is no longer in doubt. The loan is then returned to accrual status.

 

Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms. Generally, loans are not reviewed for impairment until the accrual of interest has been discontinued. If collection of principal is evaluated as doubtful, all payments are applied to principal. Impaired loans are measured: (i) at the present value of expected cash flows discounted at the loan’s effective interest rate; (ii) at the observable market price; or (iii) at the fair value of the collateral if the loan is collateral dependent. If the measure of the impaired loan is less than the recorded investment in the loan, an impairment is recognized through a valuation allowance and corresponding provision for loan losses.

 

Troubled debt restructurings are loans for which Madison, for legal or economic reasons related to a debtor’s financial difficulties, has granted a concession to the debtor that it otherwise would not have considered. Concessions that result in the categorization of a loan as a troubled debt restructuring include:

 

· Reduction (absolute or contingent) of the stated interest rate;

 

· Extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk;

 

· Reduction (absolute or contingent) of the face amount or maturity amount of the debt as stated in the instrument or other agreement; or

 

· Reduction (absolute or contingent) of accrued interest.

 

Allowance for Loan Losses. The allowance for loan losses is established, as losses are estimated to have occurred, through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Recoveries on previously charged-off loans are credited to the allowance.

 

The allowance for loan losses is increased by provisions charged to income and reduced by charge-offs, net of recoveries. Management’s periodic evaluation of the adequacy of the allowance is based on the Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and current economic conditions.

 

Management considers a number of factors in estimating the required level of the allowance. These factors include: historical loss experience in the loan portfolios; the levels and trends in past-due and nonaccrual loans; the status of nonaccrual loans and other loans identified as having the potential for further deterioration; credit risk and industry concentrations; trends in loan volume; the effects of any changes in lending policies and procedures or underwriting standards; and a continuing evaluation of the economic environment. 

 

Premises and Equipment. Land is carried at cost. Buildings, land improvements, leasehold improvements, and furniture and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed primarily by the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized over the lesser of the lease term or the useful lives of the improvements. Maintenance and normal repairs are charged to noninterest expense as incurred, while additions and improvements to buildings and furniture and equipment are capitalized. Gains or losses on disposition of assets are reflected in earnings.

 

Long-lived assets are evaluated for impairment by management on an ongoing basis. Impairment may occur whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable.

 

Ground Rents. The Bank sold its entire ground rent portfolio in May 2012. Ground rents were carried at cost, less a valuation allowance, and had been held as a long-term investment. The Bank recorded an estimated valuation allowance for the quarter ended March 31, 2012, based on the terms of a contract to sell the ground rent portfolio for $290,000.

 

Foreclosed Real Estate. Real estate property acquired through foreclosure or other means is recorded at the lower of its carrying value or the fair value of the related real estate collateral at the transfer date less estimated selling costs. Losses incurred at the time of foreclosure are charged to the allowance for loan losses. Subsequent reductions in the estimated fair value of the property are recorded in noninterest expense. Costs to maintain other real estate are expensed as incurred.

 

 Off-Balance-Sheet Credit-Related Financial Instruments. In the ordinary course of business, Madison enters into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded or otherwise required to be recognized.

 

Accumulated Other Comprehensive Income. Madison records unrealized gains and losses on available-for-sale securities in accumulated other comprehensive income, net of taxes. Unrealized gains and losses on available-for-sale securities are reclassified into earnings as the gains or losses are realized upon sale of the securities. The credit component of unrealized losses on available-for-sale securities that are determined to be other-than-temporarily impaired are reclassified into earnings at the time the determination is made.

 

Income Taxes. Deferred income taxes reflect the temporary tax consequences on future years of differences between the financial statement and tax bases of assets and liabilities using enacted tax rates in effect for the year in which the difference is expected to reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax asset will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment.

 

Earnings per Common Share. Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share includes additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares relate to outstanding stock options, restricted stock, and warrants and are determined using the treasury stock method.

 

Subsequent Events. We evaluated subsequent events after March 31, 2013, through June 21, 2013, the date this report was available to be issued. No significant events were identified that would affect the presentation of the financial statements. 

 

Recently Adopted Accounting Guidance

  

ASU 2011-11, “Balance Sheet (Topic 210) — “Disclosures about Offsetting Assets and Liabilities.” ASU 2011-11 amends Topic 210, “Balance Sheet,” to require an entity to disclose both gross and net information about financial instruments, such as sales and repurchase agreements, reverse sale and repurchase agreements and securities borrowing/lending arrangements, and derivative instruments that are eligible for offset in the statement of financial position and/or subject to a master netting arrangement or similar agreement. ASU 2013-01, “Balance Sheet (Topic 210) – Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities,” clarifies that ordinary trade receivables are not within the scope of ASU 2011-11. AUS 2011-11, as amended by ASU 2013-01, became effective on January 1, 2013, and did not have a significant impact on our financial statements.

 

ASU 2012-02 “Intangibles – Goodwill and Other (Topic 350) – Testing Indefinite-Lived Intangible Assets for Impairment.” ASU 2012-02 gives entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 became effective on January 1, 2013 and did not have a significant impact on our financial statements.

 

ASU 2012-06 “Business Combinations (Topic 805) – Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution (a consensus of the FASB Emerging Issues Task Force).” ASU 2012-06 clarifies the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution. Under ASU 2012-06, when a reporting entity recognizes an indemnification asset as a result of a government-assisted acquisition of a financial institution and, subsequently, a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification), the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). ASU 2012-06 became effective on January 1, 2013 and did not have a significant impact on our financial statements.

 

ASU 2013-02 “Comprehensive Income (Topic 220) – Reporting of Amounts of Reclassified Out of Accumulated Other Comprehensive Income.” ASU 2013-02 amends recent guidance related to the reporting of comprehensive income to enhance the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 became effective on January 1, 2013 and did not have a significant impact on our financial statements
XML 48 R41.htm IDEA: XBRL DOCUMENT v2.4.0.6
Basic and Diluted Earnings Per Share (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Schedule of Earnings Per Share, Basic and Diluted, by Common Class [Line Items]    
Net income (loss) $ 213,653 $ (10,547)
Average common shares outstanding 572,594 569,266
Stock option adjustment 10,175 0
Average common shares outstanding - diluted 582,769 569,266
Net income (loss) per common share - basic $ 0.37 $ (0.02)
Net income (loss) per common share - diluted $ 0.37 $ (0.02)
XML 49 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities (Tables)
 12 Months Ended
Mar. 31, 2013
Investment Securities [Abstract]  
Amortized Cost and Estimated Fair Value of Investment Securities

The amortized cost and estimated fair value of investment securities at March 31, 2013 and 2012 are summarized as follows:

 

    Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Estimated
Fair Value		  
March 31, 2013                                
Investment securities available-for-sale:                                
U.S. government agencies   $ 15,137,211     $ 18,332     $ 33,765     $ 15,121,778  
Brokered certificates of deposit     8,444,000       36,394       1,119       8,479,275  
Mortgage-backed securities (Agency)     18,802,845       256,680       37,871       19,021,654  
Collateralized mortgage obligations (Agency)     13,598,841       76,606       15,979       13,659,468  
    $ 55,982,897     $ 388,012     $ 88,734     $ 56,282,175  

 

    Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Estimated
Fair Value		  
March 31, 2012                                
Investment securities available-for-sale:                                
U.S. government agencies   $ 2,000,282     $ 6,888     $ 5,405     $ 2,001,765  
Brokered certificates of deposit     6,886,898       6,883       13,752       6,880,029  
Mortgage-backed securities (Agency)     31,800,333       530,374       10,230       32,320,477  
Collateralized mortgage obligations (Agency)     12,157,358       41,346       11,638       12,187,066  
    $ 52,844,871     $ 585,491     $ 41,025     $ 53,389,337  
Summary of Contractual Maturities of Securities Available-For-Sale

The following is a summary of contractual maturities of securities available-for-sale as of March 31, 2013:

 

    Available-for-Sale  
    Amortized     Estimated  
    Cost     Fair Value  
Amounts maturing in:                
One year or less   $ 4,196,000     $ 4,203,915  
After one year through five years     8,220,649       8,253,949  
After five years through ten years     10,166,374       10,150,205  
After ten years     998,188       992,984  
      23,581,211       23,601,053  
                 
Mortgage-backed securities (Agency)     18,802,845       19,021,654  
Collateralized mortgage obligations (Agency)     13,598,841       13,659,468  
    $ 55,982,897     $ 56,282,175  
Investments' Gross Unrealized Losses and Corresponding Fair Values

The following table presents Madison’s investments’ gross unrealized losses and the corresponding fair values by investment category and length of time that the securities have been in a continuous unrealized loss position, at March 31, 2013 and 2012.

 

    Less than 12 Months     12 Months or More     Total  
March 31, 2013   Estimated
Fair Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		  
                                     
Investment securities available-for-sale:                                                
U.S. government agencies   $ 7,592,327     $ 33,765     $ 0     $ 0     $ 7,592,327     $ 33,765  
Brokered certificates of deposit     431,881       1,119       0       0       431,881       1,119  
Mortgage-backed securities (Agency)     4,318,861       37,871       0       0       4,318,861       37,871  
Collateralized mortgage obligations (Agency)     2,214,670       11,111       1,117,261       4,868       3,331,931       15,979  
    $ 14,557,739     $ 83,866     $ 1,117,261     $ 4,868     $ 15,675,000     $ 88,734  

 

    Less than 12 Months     12 Months or More     Total  
March 31, 2012   Estimated
Fair Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		  
                                     
Investment securities available-for-sale:                                                
U.S. government agencies   $ 643,612     $ 5,405     $ 0     $ 0     $ 643,612     $ 5,405  
Brokered certificates of deposit     2,652,248       13,752       0       0       2,652,248       13,752  
Mortgage-backed securities (Agency)     3,241,420       9,856       443,979       374       3,685,399       10,230  
Collateralized mortgage obligations (Agency)     1,103,516       9,437       798,424       2,201       1,901,940       11,638  
    $ 7,640,796     $ 38,450     $ 1,242,403     $ 2,575     $ 8,883,199     $ 41,025  
XML 50 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk (Tables)
 12 Months Ended
Mar. 31, 2013
Commitments and Financial Instruments With Off Balance Sheet Credit Risk Disclosure [Abstract]  
Outstanding Firm Commitments to Originate, Fund, or Purchase Loans

The Bank had outstanding firm commitments to originate or purchase loans as follows:

 

    March 31,  
    2013     2012  
             
Mortgage loan commitments –fixed rate   $ 1,573,750     $ 1,077,534  
Mortgage loan commitments –variable rate     238,629       3,546  
Unused equity lines of credit (variable rate)     2,815,945       2,331,748  
Commercial and consumer lines of credit     230,651       456,995  
Standby letters of credit     377,530       675,023  
 Total   $ 5,236,505     $ 4,544,846  
XML 51 R71.htm IDEA: XBRL DOCUMENT v2.4.0.6
Defined Contribution Benefit Plan - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Pension and Other Post Retirement Benefits Disclosures [Line Items]    
Defined contribution plan, employer matching contribution, percent 3.00%  
Defined benefit plan, contributions by employer $ 47,056 $ 50,175
XML 52 R37.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock Option Plans (Tables)
 12 Months Ended
Mar. 31, 2013
Stock Option Plans [Abstract]  
Activity Related to Options

The following table presents the activity related to options under all plans for the period ended March 31, 2013 and 2012:

 

    March 31, 2013     March 31, 2012  
    Shares     Weighted
Average
Exercise
Price		     Shares     Weighted
Average
Exercise
Price		  
Outstanding at beginning of year     24,170     $ 8.00       0       0  
Granted     0       0       24,170     $ 8.00  
Options exercised     0       0       0       0  
Options forfeited/expired     500       0       0       0  
Outstanding at end of year     23,670     $ 8.00       24,170     $ 8.00  
Vested at end of year     15,778     $ 8.00       8,057     $ 8.00  
Stock Options Outstanding

A summary of information regarding stock options outstanding as of March 31, 2013, is as follows:

 

Weighted Average
Exercise Price		     Outstanding 
Shares		     Average
Remaining
Life
(Years)		     Exercisable
Shares		  
                     
$ 8.00       23,670       8.92       15,778  
                             
  Intrinsic value     $ 159,773             $ 106,502  
Weighted Average Assumptions Used in the Black-Scholes-Merton Option Pricing Model

The following weighted average assumptions were used in the Black-Scholes-Merton option pricing model for the options granted in the year ended March 31, 2012:

 

    2012  
Expected volatility     18.87 %
Risk-free interest rate     1.04 %
Expected lives     5.0 years  
XML 53 R70.htm IDEA: XBRL DOCUMENT v2.4.0.6
IncomeTaxes - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Schedule Of Income Taxes [Line Items]  
Net operating loss carry forward $ 643,000
Operating loss carryforwards expiration dates March 31, 2029
Capital Loss Carryforward
  
Schedule Of Income Taxes [Line Items]  
Other tax carryforward gross amount $ 495,000
Other tax carryforward expiration dates March 31, 2014
XML 54 R55.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises And Equipment - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Property, Plant and Equipment [Line Items]    
Operating leases period 30 years  
Operating leases, rent expense $ 284,128 $ 293,626
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Impaired Loans (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance $ 1,436,296 $ 1,485,051
Recorded Investment with No Allowance 847,866 778,480
Recorded Investment with Allowance 379,930 620,482
Total Recorded Investment 1,227,796 1,398,962
Related Allowance 60,200 122,500
Average Recorded Investment 1,400,733 1,461,879
Interest Recognized 54,354 68,690
Nonaccrual Interest Not Accrued 27,063 12,701
Commercial
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 15,837 0
Recorded Investment with No Allowance 15,577 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 15,577 0
Related Allowance 0 0
Average Recorded Investment 16,832 0
Interest Recognized 343 0
Nonaccrual Interest Not Accrued 109 0
Consumer
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 1,527 0
Recorded Investment with No Allowance 1,527 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 1,527 0
Related Allowance 0 0
Average Recorded Investment 1,588 0
Interest Recognized 34 0
Nonaccrual Interest Not Accrued 0 0
Mortgage Receivable
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 1,418,932 1,485,051
Recorded Investment with No Allowance 830,762 778,480
Recorded Investment with Allowance 379,930 620,482
Total Recorded Investment 1,210,692 1,398,962
Related Allowance 60,200 122,500
Average Recorded Investment 1,382,313 1,461,879
Interest Recognized 53,977 68,690
Nonaccrual Interest Not Accrued 26,954 12,701
Mortgage Receivable | Line of Credit
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 0 0
Recorded Investment with No Allowance 0 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Interest Recognized 0 0
Nonaccrual Interest Not Accrued 0 0
Mortgage Receivable | Commercial
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 376,579 0
Recorded Investment with No Allowance 376,579 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 376,579 0
Related Allowance 0 0
Average Recorded Investment 381,180 0
Interest Recognized 33,686 0
Nonaccrual Interest Not Accrued 0 0
Mortgage Receivable | Land
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 230,102 232,502
Recorded Investment with No Allowance 140,602 0
Recorded Investment with Allowance 0 232,502
Total Recorded Investment 140,602 232,502
Related Allowance 0 69,500
Average Recorded Investment 223,763 233,502
Interest Recognized 9,945 10,687
Nonaccrual Interest Not Accrued 0 0
Mortgage Receivable | Farm
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 0 0
Recorded Investment with No Allowance 0 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Interest Recognized 0 0
Nonaccrual Interest Not Accrued 0 0
Mortgage Receivable | Residential construction
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 0 0
Recorded Investment with No Allowance 0 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Interest Recognized 0 0
Nonaccrual Interest Not Accrued 0 0
Mortgage Receivable | Residential Mortgage | 1-4 Single family
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 812,251 1,252,549
Recorded Investment with No Allowance 313,581 778,480
Recorded Investment with Allowance 379,930 387,980
Total Recorded Investment 693,511 1,166,460
Related Allowance 60,200 53,000
Average Recorded Investment 777,370 1,228,377
Interest Recognized 10,346 58,003
Nonaccrual Interest Not Accrued 26,954 12,701
Mortgage Receivable | Residential Mortgage | Multifamily
    
Financing Receivable, Impaired [Line Items]    
Unpaid Contractual Principal Balance 0 0
Recorded Investment with No Allowance 0 0
Recorded Investment with Allowance 0 0
Total Recorded Investment 0 0
Related Allowance 0 0
Average Recorded Investment 0 0
Interest Recognized 0 0
Nonaccrual Interest Not Accrued $ 0 $ 0

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Investments' Gross Unrealized losses and Corresponding Fair Values (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Schedule of Available-for-sale Securities [Line Items]    
Estimated Fair Value Less than 12 Months $ 14,557,739 $ 7,640,796
Gross Unrealized Losses Less than 12 Months 83,866 38,450
Estimated Fair Value 12 Months or More 1,117,261 1,242,403
Gross Unrealized Losses 12 Months or More 4,868 2,575
Total Estimated Fair Value 15,675,000 8,883,199
Total Gross Unrealized Losses 88,734 41,025
U.S. government agencies
    
Schedule of Available-for-sale Securities [Line Items]    
Estimated Fair Value Less than 12 Months 7,592,327 643,612
Gross Unrealized Losses Less than 12 Months 33,765 5,405
Estimated Fair Value 12 Months or More 0 0
Gross Unrealized Losses 12 Months or More 0 0
Total Estimated Fair Value 7,592,327 643,612
Total Gross Unrealized Losses 33,765 5,405
Brokered certificates of deposit
    
Schedule of Available-for-sale Securities [Line Items]    
Estimated Fair Value Less than 12 Months 431,881 2,652,248
Gross Unrealized Losses Less than 12 Months 1,119 13,752
Estimated Fair Value 12 Months or More 0 0
Gross Unrealized Losses 12 Months or More 0 0
Total Estimated Fair Value 431,881 2,652,248
Total Gross Unrealized Losses 1,119 13,752
Mortgage Backed Securities (Agency)
    
Schedule of Available-for-sale Securities [Line Items]    
Estimated Fair Value Less than 12 Months 4,318,861 3,241,420
Gross Unrealized Losses Less than 12 Months 37,871 9,856
Estimated Fair Value 12 Months or More 0 443,979
Gross Unrealized Losses 12 Months or More 0 374
Total Estimated Fair Value 4,318,861 3,685,399
Total Gross Unrealized Losses 37,871 10,230
Collateralized mortgage obligations (Agency)
    
Schedule of Available-for-sale Securities [Line Items]    
Estimated Fair Value Less than 12 Months 2,214,670 1,103,516
Gross Unrealized Losses Less than 12 Months 11,111 9,437
Estimated Fair Value 12 Months or More 1,117,261 798,424
Gross Unrealized Losses 12 Months or More 4,868 2,201
Total Estimated Fair Value 3,331,931 1,901,940
Total Gross Unrealized Losses $ 15,979 $ 11,638
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Consolidated Statements of Financial Condition (Parenthetical) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Common stock, par value $ 0.01 $ 0.01
Common stock, shares authorized 10,000,000 10,000,000
Common stock, issued 608,116 608,116
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Premises and Equipment
 12 Months Ended
Mar. 31, 2013
Property, Plant and Equipment [Abstract]  
Premises and Equipment

Note 6. Premises and Equipment

 

Premises and equipment, and related depreciation and amortization, are summarized as follows:

 

    March 31,  
    2013     2012  
             
Land   $ 619,214     $ 632,925  
Buildings     3,673,698       3,673,698  
Furniture and equipment     1,149,351       1,146,293  
Leasehold improvements     134,611       134,611  
Automobiles     59,280       59,280  
      5,636,154       5,646,807  
Less: accumulated depreciation and amortization     2,097,775       1,893,095  
    $ 3,538,379     $ 3,753,712  
                 
Depreciation and amortization expense   $ 209,230     $ 232,192  

 

Madison leases its administrative building and two of its branches under operating leases for periods up to 30 years. Renewal options are available in five year periods. Minimum future rental commitments under non-cancelable lease as of March 31, 2013 were as follows:

 

Year Ending March 31,   Payments  
2014   $ 291,758  
2015     301,507  
2016     313,070  
2017     322,710  
2018     332,689  
Subsequent years     1,090,019  
Total   $ 2,651,753  

 

Rent expense for the three leased properties was $284,128 and $293,626 for the years ended March 31, 2013 and 2012, respectively.
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Consolidated Statements of Comprehensive Income (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Net income (loss) $ 213,653 $ (10,547)
Securities available-for-sale:    
Net unrealized gain / (loss) during the period 47,135 992,405
Reclassification adjustment for (gains) / losses in net income (292,321) (198,029)
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax, Total (245,186) 794,376
Securities available-for-sale:    
Net unrealized gain / (loss) during the period 18,593 391,453
Reclassification adjustment for (gains) / losses in net income (115,306) (78,112)
Other Comprehensive Income Loss Available For Sale Securities Tax (96,713) 313,341
Other comprehensive income (loss), net of tax (148,473) 481,035
Comprehensive income $ 65,180 $ 470,488
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Interest Bearing Deposits- Additional Information (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Schedule Of Interest Bearing Deposits [Line Items]    
Time deposits of $100,000 or more $ 44,269,000 $ 45,234,000
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Consolidated Statements of Financial Condition (USD $)
Mar. 31, 2013
Mar. 31, 2012
Assets    
Cash and due from banks $ 663,720 $ 929,870
Federal funds sold and interest-bearing deposits 4,149,416 9,805,343
Cash and cash equivalents 4,813,136 10,735,213
Certificates of deposit 499,862 737,975
Investment securities available-for-sale 56,282,175 53,389,337
Federal Home Loan Bank stock, at cost 181,800 234,500
Loans receivable, net 83,540,352 84,986,411
Premises and equipment, net 3,538,379 3,753,712
Ground rents, net 0 290,000
Foreclosed real estate 55,000 0
Accrued interest receivable 421,538 428,042
Prepaid expenses and other assets 569,604 689,937
Total Assets 149,901,846 155,245,127
Liabilities    
Noninterest bearing 5,971,726 6,582,554
Interest bearing 128,684,072 133,598,673
Total Deposits 134,655,798 140,181,227
Advances from borrowers for taxes and insurance 627,482 542,598
Deferred income taxes 8,350 105,065
Other liabilities 350,128 261,519
Total Liabilities 135,641,758 141,090,409
Shareholders' Equity    
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 shares at March 31, 2013 and 2012 6,081 6,081
Additional paid-in capital 5,361,954 5,345,251
Retained earnings 9,049,637 8,835,984
Unearned ESOP shares (338,813) (362,300)
Accumulated other comprehensive income 181,229 329,702
Total Shareholders' Equity 14,260,088 14,154,718
Total Liabilities and Shareholders' Equity $ 149,901,846 $ 155,245,127
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Allowance for Loan losses by Portfolio Segment (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment $ 60,200 $ 122,500
Collectively Evaluated for Impairment 849,288 714,563
Ending Loan Balance 84,270,072 85,737,519
Allowance Beginning Balance 837,063 635,535
Charge-offs 165,212 94,002
Recoveries 7,637 3,431
Provision 230,000 292,099
Allowance Ending Balance 909,488 837,063
Unsecured Debt | Consumer
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 2,802 3,103
Ending Loan Balance 403,330 612,326
Allowance Beginning Balance 3,103 5,848
Charge-offs 0 0
Recoveries 0 0
Provision (301) (2,745)
Allowance Ending Balance 2,802 3,103
Unsecured Debt | Commercial
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 60,147 71,149
Ending Loan Balance 4,090,168 5,624,473
Allowance Beginning Balance 71,149 63,745
Charge-offs 0 13,202
Recoveries 236 65
Provision (11,238) 20,541
Allowance Ending Balance 60,147 71,149
Unsecured Debt | Unallocated Financing Receivables
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 78,159 648
Ending Loan Balance 0 0
Allowance Beginning Balance 648 44,505
Charge-offs 0 0
Recoveries 0 0
Provision 77,511 (43,857)
Allowance Ending Balance 78,159 648
Mortgage Receivable
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 60,200 122,500
Collectively Evaluated for Impairment 708,180 639,663
Ending Loan Balance 79,776,574 79,500,720
Allowance Beginning Balance 762,163 521,437
Charge-offs 165,212 80,800
Recoveries 7,401 3,366
Provision 164,028 318,160
Allowance Ending Balance 768,380 762,163
Mortgage Receivable | Land
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 69,500
Collectively Evaluated for Impairment 95,200 83,121
Ending Loan Balance 4,191,616 6,568,154
Allowance Beginning Balance 152,621 73,355
Charge-offs 89,500 0
Recoveries 0 0
Provision 32,079 79,266
Allowance Ending Balance 95,200 152,621
Mortgage Receivable | Farm
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 0 0
Ending Loan Balance 888,544 0
Allowance Beginning Balance 0 0
Charge-offs 0 0
Recoveries 0 0
Provision 0 0
Allowance Ending Balance 0 0
Mortgage Receivable | Residential construction
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 36,459 16,417
Ending Loan Balance 1,367,134 1,203,508
Allowance Beginning Balance 16,417 95,779
Charge-offs 0 0
Recoveries 0 0
Provision 20,042 (79,362)
Allowance Ending Balance 36,459 16,417
Mortgage Receivable | Commercial
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 258,443 188,199
Ending Loan Balance 14,553,616 14,885,346
Allowance Beginning Balance 188,199 141,331
Charge-offs 0 0
Recoveries 0 0
Provision 70,244 46,868
Allowance Ending Balance 258,443 188,199
Mortgage Receivable | Residential Mortgage | 1-4 Single family
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 60,200 53,000
Collectively Evaluated for Impairment 282,910 319,404
Ending Loan Balance 54,604,184 53,002,752
Allowance Beginning Balance 372,404 185,114
Charge-offs 75,712 80,800
Recoveries 7,401 3,366
Provision 39,017 264,724
Allowance Ending Balance 343,110 372,404
Mortgage Receivable | Residential Mortgage | Multifamily
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 19,218 18,705
Ending Loan Balance 1,513,209 1,593,173
Allowance Beginning Balance 18,705 17,417
Charge-offs 0 0
Recoveries 0 0
Provision 513 1,288
Allowance Ending Balance 19,218 18,705
Mortgage Receivable | Residential Mortgage | Line of Credit
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 15,950 13,817
Ending Loan Balance 2,658,271 2,247,787
Allowance Beginning Balance 13,817 8,441
Charge-offs 0 0
Recoveries 0 0
Provision 2,133 5,376
Allowance Ending Balance 15,950 13,817
Loans
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 1,227,796 1,398,962
Collectively Evaluated for Impairment 83,042,276 84,338,557
Loans | Unsecured Debt | Consumer
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 1,527 0
Collectively Evaluated for Impairment 401,803 612,326
Loans | Unsecured Debt | Commercial
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 15,577 0
Collectively Evaluated for Impairment 4,074,591 5,624,473
Loans | Unsecured Debt | Unallocated Financing Receivables
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 0 0
Loans | Mortgage Receivable
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 1,210,692 1,398,962
Collectively Evaluated for Impairment 78,565,882 78,101,758
Loans | Mortgage Receivable | Land
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 140,602 232,502
Collectively Evaluated for Impairment 4,051,014 6,335,652
Loans | Mortgage Receivable | Farm
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 888,544 0
Loans | Mortgage Receivable | Residential construction
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 1,367,134 1,203,508
Loans | Mortgage Receivable | Commercial
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 376,579 0
Collectively Evaluated for Impairment 14,177,037 14,885,346
Loans | Mortgage Receivable | Residential Mortgage | 1-4 Single family
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 693,511 1,166,460
Collectively Evaluated for Impairment 53,910,673 51,836,292
Loans | Mortgage Receivable | Residential Mortgage | Multifamily
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment 1,513,209 1,593,173
Loans | Mortgage Receivable | Residential Mortgage | Line of Credit
    
Allowance for loan losses by portfolio[Line Items]    
Individually Evaluated for Impairment 0 0
Collectively Evaluated for Impairment $ 2,658,271 $ 2,247,787
XML 65 R79.htm IDEA: XBRL DOCUMENT v2.4.0.6
Related Party Transactions - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mortgage Backed Securities [Member]
Mar. 31, 2012
Mortgage Backed Securities [Member]
Mar. 31, 2011
Mortgage Backed Securities [Member]
Mar. 31, 2013
Officers and Directors
Mar. 31, 2012
Officers and Directors
Mar. 31, 2013
Officers and Directors
Mortgage Backed Securities [Member]
Mar. 31, 2012
Officers and Directors
Mortgage Backed Securities [Member]
Mar. 31, 2013
Director
Mar. 31, 2012
Director
Related Partytransactions [Line Items]                  
Related party deposit liabilities       $ 1,010,325 $ 986,014        
Payments to service provider               172,459 173,547
Loans receivable, related parties $ 540,552 $ 566,320 $ 427,064     $ 540,552 $ 566,320    
XML 66 R75.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock Options Outstanding (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Mar. 31, 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Weighted Average Exercise Price $ 8.00 $ 8.00 $ 0
Outstanding Shares 23,670 24,170 0
Average Remaining Life (Years) 8 years 11 months 1 day    
Exercisable Shares 15,778    
Outstanding intrinsic value $ 159,773    
Exercisable intrinsic value $ 106,502    
XML 67 R29.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans Receivable and Allowance for Loan Losses (Tables)
 12 Months Ended
Mar. 31, 2013
Receivables [Abstract]  
Loans Receivable

Loans receivable consist of the following at March 31, 2013 and 2012, respectively:

 

    2013     2012  
Loans secured by mortgages:                
Residential:                
1-4 Single family   $ 54,604,184     $ 53,002,752  
Multifamily     1,513,209       1,593,173  
Lines of credit     2,658,271       2,247,787  
Commercial     14,553,616       14,885,346  
Land     4,191,616       6,568,154  
Farm loans guaranteed by the USDA     888,544       0  
Residential construction     1,367,134       1,203,508  
      79,776,574       79,500,720  
Consumer     403,330       612,326  
Commercial     4,090,168       5,624,473  
Total loans receivable     84,270,072       85,737,519  
Net deferred costs     179,768       85,955  
Allowance for loan losses     (909,488 )     (837,063 )
Loans receivable, net   $ 83,540,352     $ 84,986,411  
Class And Credit Quality Indicator

The following presents by class and by credit quality indicator, the recorded investment in the Company’s loans as of March 31, 2013 and 2012.

 

Commercial Credit Exposure   Commercial, 
Not Real Estate Secured		     Commercial Real Estate (1)  
    2013     2012     2013     2012  
Grade:                                
Pass   $ 3,702,067     $ 4,925,036     $ 11,634,602     $ 13,298,287  
Special Mention     372,524       699,437       3,430,979       1,587,059  
Substandard     15,577       0       376,579       0  
Doubtful     0       0       0       0  
Loss     0       0       0       0  
  $ 4,090,168     $ 5,624,473     $ 15,442,160     $ 14,885,346  
                                 

 

Other Credit Exposure   Residential Real Estate
Construction and Land		     Residential Real Estate
Other (2)		     Consumer  
    2013     2012     2013     2012     2013     2012  
Grade:                                                
Pass   $ 2,021,668     $ 5,592,390     $ 57,944,859     $ 54,941,070     $ 401,803     $ 612,326  
Special Mention     3,396,480       1,946,770       509,874       736,182       0       0  
Substandard     140,602       232,502       320,931       1,166,460       1,527       0  
Doubtful     0       0       0       0       0       0  
Loss     0       0       0       0       0       0  
    $ 5,558,750     $ 7,771,662     $ 58,775,664     $ 56,843,712     $ 403,330     $ 612,326  

 

(1) Commercial real estate includes farm loans guaranteed by the USDA.

(2) Residential real estate other includes 1-4 family residential, multifamily residential and home equity lines of credit.
Age Analysis of Past Due Loans

Age Analysis of Past Due Loans, as of March 31, 2013 and 2012

 

March 31, 2013   30-59 Days
Past Due		     60-89 Days
Past Due		     90 Days or
More Past
Due		     Total Past
Due		     Current     Total Loans  
Loans secured by mortgages:                                                
Residential:                                                
1-4 Single family   $ 576,788     $ 74,160     $ 313,580     $ 964,528     $ 53,639,656     $ 54,604,184  
Multifamily     0       0       0       0       1,513,209       1,513,209  
Lines of credit     0       0       0       0       2,658,271       2,658,271  
Commercial     0       0       376,579       376,579       14,177,037       14,553,616  
Land     0       0       0       0       4,191,616       4,191,616  
Farm     0       0       0       0       888,544       888,544  
Residential Construction     424,938       0       0       424,938       942,196       1,367,134  
      1,001,726       74,160       690,159       1,766,045       78,010,529       79,776,574  
Consumer     3,494       0       1,527       5,021       398,309       403,330  
Commercial     0       0       15,577       15,577       4,074,591       4,090,168  
    $ 1,005,220     $ 74,160     $ 707,263     $ 1,786,643     $ 82,483,429     $ 84,270,072  

 

March 31, 2012   30-59 Days
Past Due		     60-89 Days
Past Due		     90 Days or
More Past
Due		     Total Past
Due		     Current     Total Loans  
Loans secured by mortgages:                                                
Residential:                                                
1-4 Single family   $ 1,403,581     $ 0     $ 816,600     $ 2,220,181     $ 50,782,571     $ 53,002,752  
Multifamily     0       0       0       0       1,593,173       1,593,173  
Lines of credit     0       0       0       0       2,247,787       2,247,787  
Commercial     384,887       0       0       384,887       14,500,459       14,885,346  
Land     0       0       0       0       6,568,154       6,568,154  
Farm     0       0       0       0       0       0  
Residential Construction     0       0       0       0       1,203,508       1,203,508  
      1,788,468       0       816,600       2,605,068       76,895,652       79,500,720  
Consumer     0       50       0       50       612,276       612,326  
Commercial     31,194       0       0       31,194       5,593,279       5,624,473  
    $ 1,819,662     $ 50     $ 816,600     $ 2,636,312     $ 83,101,207     $ 85,737,519  
Impaired Loans

Impaired Loans as of and for the Year Ended March 31, 2013

 

    Unpaid
Contractual
Principal
Balance		     Recorded 
Investment 
with No 
Allowance		     Recorded
Investment 
with 
Allowance		     Total 
Recorded 
Investment		     Related 
Allowance		     Average 
Recorded 
Investment		     Interest 
Recognized		     Nonaccrual 
Interest Not 
Accrued		  
Loans secured by mortgages:                                                                
Residential:                                                                
1-4 Single family   $ 812,251     $ 313,581     $ 379,930     $ 693,511     $ 60,200     $ 777,370     $ 10,346     $ 26,954  
Multifamily     0       0       0       0       0       0       0       0  
Lines of credit     0       0       0       0       0       0       0       0  
Commercial     376,579       376,579       0       376,579       0       381,180       33,686       0  
Land     230,102       140,602       0       140,602       0       223,763       9,945       0  
Farm     0       0       0       0       0       0       0       0  
Residential construction     0       0       0       0       0       0       0       0  
      1,418,932       830,762       379,930       1,210,692       60,200       1,382,313       53,977       26,954  
Consumer     1,527       1,527       0       1,527       0       1,588       34       0  
Commercial     15,837       15,577       0       15,577       0       16,832       343       109  
Total impaired loans   $ 1,436,296     $ 847,866     $ 379,930     $ 1,227,796     $ 60,200     $ 1,400,733     $ 54,354     $ 27,063  

 

Impaired Loans as of and for the Year Ended March 31, 2012

 

    Unpaid
Contractual
Principal
Balance		     Recorded 
Investment 
with No 
Allowance		     Recorded 
Investment 
with 
Allowance		     Total 
Recorded 
Investment		     Related 
Allowance		     Average 
Recorded 
Investment		     Interest 
Recognized		     Nonaccrual 
Interest Not 
Accrued		  
Loans secured by mortgages:                                                                
Residential:                                                                
1-4 Single family   $ 1,252,549     $ 778,480     $ 387,980     $ 1,166,460     $ 53,000     $ 1,228,377     $ 58,003     $ 12,701  
Multifamily     0       0       0       0       0       0       0       0  
Lines of credit     0       0       0       0       0       0       0       0  
Commercial     0       0       0       0       0       0       0       0  
Land     232,502       0       232,502       232,502       69,500       233,502       10,687       0  
Farm     0       0       0       0       0       0       0       0  
Residential construction     0       0       0       0       0       0       0       0  
      1,485,051       778,480       620,482       1,398,962       122,500       1,461,879       68,690       12,701  
Consumer     0       0       0       0       0       0       0       0  
Commercial     0       0       0       0       0       0       0       0  
Total impaired loans   $ 1,485,051     $ 778,480     $ 620,482     $ 1,398,962     $ 122,500     $ 1,461,879     $ 68,690     $ 12,701  
Balance Of The Allowance for Loan Losses By Portfolio Segment, Disaggregated By Impairment Methodology, Amounts Evaluated For Impairment Collectively And Individually

The following tables set forth for the years ended March 31, 2013 and 2012, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.

 

For the year ended March 31, 2013:

 

    Allowance
3/31/2012		     Charge-
offs		     Recoveries     Provision     Allowance
3/31/2013		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 372,404     $ 75,712     $ 7,401     $ 39,017     $ 343,110  
Multifamily     18,705       0       0       513       19,218  
Lines of credit     13,817       0       0       2,133       15,950  
Commercial     188,199       0       0       70,244       258,443  
Land     152,621       89,500       0       32,079       95,200  
Farm     0       0       0       0       0  
Residential construction     16,417       0       0       20,042       36,459  
      762,163       165,212       7,401       164,028       768,380  
Consumer     3,103       0       0       (301 )     2,802  
Commercial     71,149       0       236       (11,238 )     60,147  
Unallocated     648       0       0       77,511       78,159  
Total   $ 837,063     $ 165,212     $ 7,637     $ 230,000     $ 909,488  

 

    Allowance     Loan Balance        
    Individually
Evaluated
for
Impairment		     Collectively
Evaluated
for
Impairment		     Individually 
Evaluated 
for 
Impairment		     Collectively
Evaluated
for
Impairment		     Ending
Loan
Balance		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 60,200     $ 282,910     $ 693,511     $ 53,910,673     $ 54,604,184  
Multifamily     0       19,218       0       1,513,209       1,513,209  
Lines of credit     0       15,950       0       2,658,271       2,658,271  
Commercial     0       258,443       376,579       14,177,037       14,553,616  
Land     0       95,200       140,602       4,051,014       4,191,616  
Farm     0       0       0       888,544       888,544  
Residential construction     0       36,459       0       1,367,134       1,367,134  
      60,200       708,180       1,210,692       78,565,882       79,776,574  
Consumer     0       2,802       1,527       401,803       403,330  
Commercial     0       60,147       15,577       4,074,591       4,090,168  
Unallocated     0       78,159       0       0       0  
Total   $ 60,200     $ 849,288     $ 1,227,796     $ 83,042,276     $ 84,270,072  

 

For the year ended March 31, 2012:

 

    Allowance
3/31/2011		     Charge-
offs		     Recoveries     Provision     Allowance
3/31/2012		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 185,114     $ 80,800     $ 3,366     $ 264,724     $ 372,404  
Multifamily     17,417       0       0       1,288       18,705  
Lines of credit     8,441       0       0       5,376       13,817  
Commercial     141,331       0       0       46,868       188,199  
Land     73,355       0       0       79,266       152,621  
Farm     0       0       0       0       0  
Residential construction     95,779       0       0       (79,362 )     16,417  
      521,437       80,800       3,366       318,160       762,163  
Consumer     5,848       0       0       (2,745 )     3,103  
Commercial     63,745       13,202       65       20,541       71,149  
Unallocated     44,505       0       0       (43,857 )     648  
Total   $ 635,535     $ 94,002     $ 3,431     $ 292,099     $ 837,063  

 

 

    Allowance     Loan Balance        
    Individually
Evaluated
for
Impairment		     Collectively
Evaluated
for
Impairment		     Individually 
Evaluated 
for 
Impairment		     Collectively
Evaluated
for
Impairment		     Ending 
Loan 
Balance		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 53,000     $ 319,404     $ 1,166,460     $ 51,836,292     $ 53,002,752  
Multifamily     0       18,705       0       1,593,173       1,593,173  
Lines of credit     0       13,817       0       2,247,787       2,247,787  
Commercial     0       188,199       0       14,885,346       14,885,346  
Land     69,500       83,121       232,502       6,335,652       6,568,154  
Farm     0       0       0       0       0  
Residential construction     0       16,417       0       1,203,508       1,203,508  
      122,500       639,663       1,398,962       78,101,758       79,500,720  
Consumer     0       3,103       0       612,326       612,326  
Commercial     0       71,149       0       5,624,473       5,624,473  
Unallocated     0       648       0       0       0  
Total   $ 122,500     $ 714,563     $ 1,398,962     $ 84,338,557     $ 85,737,519  
XML 68 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock Option Plans
 12 Months Ended
Mar. 31, 2013
Stock Option Plans [Abstract]  
Stock Option Plans

Note 15. Stock Option Plans

 

The Company’s shareholders have approved the 2011 Equity Incentive Plan, which reserves 79,054 shares for grant to officers and directors of the Company in the form of stock options (60,811 shares) and restricted stock (18,243 shares).

 

The following table presents the activity related to options under all plans for the period ended March 31, 2013 and 2012:

 

    March 31, 2013     March 31, 2012  
    Shares     Weighted
Average
Exercise
Price		     Shares     Weighted
Average
Exercise
Price		  
Outstanding at beginning of year     24,170     $ 8.00       0       0  
Granted     0       0       24,170     $ 8.00  
Options exercised     0       0       0       0  
Options forfeited/expired     500       0       0       0  
Outstanding at end of year     23,670     $ 8.00       24,170     $ 8.00  
Vested at end of year     15,778     $ 8.00       8,057     $ 8.00  

 

A summary of information regarding stock options outstanding as of March 31, 2013, is as follows:

 

Weighted Average
Exercise Price		     Outstanding 
Shares		     Average
Remaining
Life
(Years)		     Exercisable
Shares		  
                     
$ 8.00       23,670       8.92       15,778  
                             
  Intrinsic value     $ 159,773             $ 106,502  

 

During the year ended March 31, 2012, the Company granted 24,170 stock options which are exercisable up to10 years from the grant date. The options vest over a two year period with one third vesting immediately and one third of the options vesting on the first and second anniversary date. Option expense recognized during the years ended March 31, 2013 and 2012 was $14,260 and $15,449, respectively. At March 31, 2013, there was $13,172 of total unrecognized compensation expense related to non-vested stock options to be recognized from April 1, 2013 through February 28, 2014. The weighted average grant date fair value of the options granted during the year ended March 31, 2012 was $1.77.

 

The following weighted average assumptions were used in the Black-Scholes-Merton option pricing model for the options granted in the year ended March 31, 2012:

 

    2012  
Expected volatility     18.87 %
Risk-free interest rate     1.04 %
Expected lives     5.0 years  

 

There are 36,641 options available for future grant.
XML 69 R44.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Contractual Maturities of Securities Available for Sale (Detail) (USD $)
Mar. 31, 2013
Amounts maturing in:  
One year or less $ 4,196,000
After one year through five years 8,220,649
After five years through ten years 10,166,374
After ten years 998,188
Available-for-sale Securities, Debt Maturities, Amortized Cost, Gross Subtotal 23,581,211
Available-for-sale securities, debt maturities, amortized cost basis 55,982,897
Estimated Fair Value  
One year or less 4,203,915
After one year through five years 8,253,949
After five years through ten years 10,150,205
After ten years 992,984
Available-for-sale Securities, Debt Maturities, Amortized Cost, Gross Subtotal 23,601,053
Available-for-sale securities, debt securities, current 56,282,175
Mortgage-backed securities (Agency)
  
Amounts maturing in:  
Debt maturities, without single maturity date 18,802,845
Estimated Fair Value  
Debt maturities, without single maturity date 19,021,654
Collateralized mortgage obligations (Agency)
  
Amounts maturing in:  
Debt maturities, without single maturity date 13,598,841
Estimated Fair Value  
Debt maturities, without single maturity date $ 13,659,468
XML 70 R77.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock Option Plans - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Shares approved under the plan 36,641  
Stock options granted   24,170
Options exercisable period   10 years
Options vesting period   2 years
Options vesting period description   The options vest over a two year period with one third vesting immediately and one third of the options vesting on the first and second anniversary date.
Share base compensation expense $ 14,260 $ 15,449
Total unrecognized compensation expense $ 13,172  
Weighted average grant date fair value   $ 1.77
Equity Incentive Plan Twenty Eleven | Directors And Officers
    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Shares approved under the plan 79,054  
Equity Incentive Plan Twenty Eleven | Directors And Officers | Stock Options
    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Shares approved under the plan 60,811  
Equity Incentive Plan Twenty Eleven | Directors And Officers | Restricted Stock
    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Shares approved under the plan 18,243  
XML 71 R54.htm IDEA: XBRL DOCUMENT v2.4.0.6
Minimum Future Rental Commitments Under Non-cancelable Lease (Detail) (USD $)
Mar. 31, 2013
Future Minimum Rental Payments For Operating Leases [Line Items]  
2014 $ 291,758
2015 301,507
2016 313,070
2017 322,710
2018 332,689
Subsequent years 1,090,019
Total $ 2,651,753
XML 72 R65.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurement - Additional Information (Detail) (USD $)
Mar. 31, 2013
Fair Value, Measurement Inputs, Disclosure [Line Items]  
Fair value of foreclosed real estate owned $ 55,000
XML 73 R39.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Financial Statements of Parent Company (Tables)
 12 Months Ended
Mar. 31, 2013
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]  
Condensed Statement of Financial Condition
Condensed Statement of Financial Condition

 

    March 31, 2013     March 31, 2012  
Assets                
Cash and due from bank   $ 1,088,130     $ 1,133,560  
Certificates of deposit     249,931       245,869  
ESOP loan receivable     334,590       358,378  
Investment in bank subsidiary     12,607,845       12,419,234  
Other assets     12,800       10,763  
Total Assets   $ 14,293,296     $ 14,167,804  
                 
Liabilities and Shareholders’ Equity                
Liabilities                
Accrued expenses   $ 33,208     $ 13,086  
                 
Shareholders’ Equity                
Common Stock, $.01 par value, 10,000,000 shares authorized. Issued: 608,116 at March 31, 2013 and 2012     6,081       6,081  
Additional paid-in capital     5,361,954       5,345,251  
Retained earnings     9,049,637       8,835,984  
Unearned ESOP shares     (338,813 )     (362,300 )
Accumulated other comprehensive income     181,229       329,702  
Total Shareholders’ Equity     14,260,088       14,154,718  
Total Liabilities and Shareholders’ Equity   $ 14,293,296     $ 14,167,804  
Condensed Statement of Operations

Condensed Statement of Operations

 

    March 31, 2013     March 31, 2012  
                 
Interest income on ESOP loan   $ 11,647     $ 12,552  
Interest income on intercompany deposits     5,148       8,279  
Interest income on certificate of deposit     4,099       4,165  
Total income     20,894       24,996  
                 
Operating expenses     104,137       111,729  
Loss before equity in net income (loss) of bank subsidiary     (83,243 )     (86,733 )
                 
Equity in net income (loss) of bank subsidiary     296,896       76,186  
                 
Net income (loss)   $ 213,653     $ (10,547 )
Condensed Statement of Cash Flows

Condensed Statement of Cash Flows

 

    March 31, 2013     March 31, 2012  
Cash flows from operating activities:                
Net income (loss)   $ 213,653     $ (10,547 )
Adjustments to reconcile net loss to net cash used by operating activities:                
Equity in undistributed net (income) loss of subsidiary     (108,283 )     (76,186 )
Increase in other assets     (190,648 )     (1,882 )
Increase in other liabilities     20,123       305  
Other     0       0  
Net cash used by operating activities     (65,155 )     (88,310 )
                 
Cash flows from investing activities:                
Investment in bank subsidiary     0       0  
ESOP loan to bank     0       0  
Principal collected on ESOP loan     23,788       29,503  
Increase in certificates of deposit     (4,063 )     (4,533 )
Net cash provided by (used in) investing activities     19,725       24,970  
                 
Cash flows from financing activities:                
Proceeds from issuance of common stock (net of costs)     0       0  
Net cash provided by financing activities     0       0  
                 
Net change in cash and cash equivalents     (45,430 )     (63,340 )
Cash and cash equivalents, beginning of year     1,133,560       1,196,900  
Cash and cash equivalents, end of year   $ 1,088,130     $ 1,133,560  
XML 74 R35.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes (Tables)
 12 Months Ended
Mar. 31, 2013
Income Tax Disclosure [Abstract]  
Schedule of Components of Income Tax Expense (Benefit)

The provisions for income taxes for the years ended March 31, 2013 and 2012 consist of the following components:

 

    March 31,  
    2013     2012  
Current:                
Federal   $ (74,308 )   $ 15,062  
State     (6,867 )     6,956  
Deferred income tax     81,175       (22,018 )
Total   $ 0     $ 0  
Schedule of Effective Income Tax Rate Reconciliation

A reconciliation of the provision for income taxes at the statutory tax rate to the Bank’s actual provision for income taxes is as follows:

 

    March 31,  
    2013     2012  
Tax (benefit) at statutory federal rate   $ 72,642     $ (3,586 )
State income tax (benefit), net of federal income tax benefit tax benefit     14,221       (574 )
Change in valuation allowance/NOL used     (74,720 )     (1,080 )
Other     (12,143 )     5,240  
Total   $ 0     $ 0  
Schedule of Deferred Tax Assets and Liabilities

The following is a summary of the tax effects of the temporary differences between financial and income tax accounting that give rise to deferred tax assets and deferred tax liabilities as of March 31:

 

    March 31,  
    2013     2012  
Deferred tax assets:                
Allowances for loan and ground rent losses   $ 340,866     $ 400,747  
Capital loss carry forward     195,263       223,325  
Depreciation     26,676       18,529  
Deferred compensation     12,722       2,523  
Foreclosed real estate write-downs     789       0  
Nonqualified stock-based compensation     1,453       0  
Net operating loss and charitable  contributions carry forward     332,767       343,677  
Valuation allowance     (772,055 )     (845,338 )
      138,481       143,463  
Deferred tax liabilities:                
Unrealized gains on investments     118,050       214,765  
Deferred loan fees and costs     28,781       33,763  
      146,831       248,528  
Net deferred tax asset (liability)   $ (8,350 )   $ (105,065 )
XML 75 R36.htm IDEA: XBRL DOCUMENT v2.4.0.6
Employee Stock Ownership Plan (Tables)
 12 Months Ended
Mar. 31, 2013
Employee Stock Ownership Plan Esop [Abstract]  
Summary of ESOP Shares

A summary of ESOP shares at March 31, 2013 is as follows:

 

Shares allocated to employees     9,176  
Unearned shares     33,392  
Total ESOP shares     42,568  
Fair value of unearned shares   $ 492,532  
XML 76 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans Receivable and Allowance for Loan Losses
 12 Months Ended
Mar. 31, 2013
Receivables [Abstract]  
Loans Receivable and Allowance for Loan Losses

Note 5. Loans Receivable and Allowance for Loan Losses

 

Loans receivable consist of the following at March 31, 2013 and 2012, respectively:

 

    2013     2012  
Loans secured by mortgages:                
Residential:                
1-4 Single family   $ 54,604,184     $ 53,002,752  
Multifamily     1,513,209       1,593,173  
Lines of credit     2,658,271       2,247,787  
Commercial     14,553,616       14,885,346  
Land     4,191,616       6,568,154  
Farm loans guaranteed by the USDA     888,544       0  
Residential construction     1,367,134       1,203,508  
      79,776,574       79,500,720  
Consumer     403,330       612,326  
Commercial     4,090,168       5,624,473  
Total loans receivable     84,270,072       85,737,519  
Net deferred costs     179,768       85,955  
Allowance for loan losses     (909,488 )     (837,063 )
Loans receivable, net   $ 83,540,352     $ 84,986,411  

 

Credit Quality Indicators

 

Management considers many factors when evaluating individual loans: among other things, the overall risk involved; the nature of the collateral; the character, capacity, financial responsibility and record of the borrower; and the probability of repayment or orderly liquidation in accordance with the loan terms.

 

Asset quality ratings are divided into three groups: Pass (unclassified), Special Mention, and Classified (adverse classification).

 

Pass - A pass loan is considered of sufficient quality to preclude a special mention or an adverse rating. Pass assets generally are well protected by the current net worth and paying capacity of the obligor or by the value of the asset or underlying collateral.

 

Special Mention - The purpose of the special mention category is to identify assets that do not warrant adverse classification, but do possess credit deficiencies or other potential weaknesses. Management applies a higher qualitative factor to special mention loans than pass loans when determining the balance of the allowance for loan losses.

 

Loans that would primarily fall into this notational category could have been previously classified adversely, but the deficiencies have since been corrected. Management should closely monitor recent payment history of the loan and value of the collateral.

 

Loans that are designated as special mention will include loans that are 60-89 days delinquent. Single family residential loans, construction loans that are under contract of sale, and consumer loans that are designated special mention will not require separate fair value calculations and will not warrant increases in the general valuation allowance (GVA). If adverse circumstances warrant additional GVA or specific reserves, an analysis will be performed on a case-by-case basis.

 

Other loans designated as special mention will require analysis to determine if the value of the loan is equal to or greater than the Bank’s recorded investment. If necessary, additional GVA’s may be allocated to a specific loan category that has special mention loans that have a deficiency in the value of the collateral as compared to the Bank’s recorded investment.

 

Substandard - Loans classified as substandard are inadequately protected by the current net worth or paying capacity of the borrower or the value of pledged collateral. Substandard loans are characterized by the possibility that the Bank estimates that it will be unable to collect all amounts due as required in the loan documents and therefore determines it may sustain losses if deficiencies are not corrected. This will be the measurement for determining if a loan is impaired.

 

Loans classified as substandard may exhibit one or more of the following characteristics:

 

· Collateral has deteriorated.
· The primary source of repayment is gone and the Bank is relying upon a secondary source.
· A loss does not seem likely but significant problems exist, leading the Bank to go to great lengths to protect its investment.
· Borrowers are unable to generate enough cash flow for debt reduction.
· Flaws in documentation exist, leaving the Bank as a lender in a subordinated or unsecured position.
· The feasibility of an orderly and prompt sale of the collateral is not possible.
· Borrowers have a history of making slow payments.

 

Loans classified as substandard will require calculations to determine the fair value on the particular loan. In determining the general valuation allowance, loans of similar characteristics will be analyzed on a pool basis. Examples of these types of loans include single-family residential loans, certain consumer loans such as car loans or home equity loans. When a loan is classified and is part of these loan types, the allowance on this particular type may be increased to reflect the potential for loss.

 

Construction loans, land acquisition and development, commercial real estate and 5 or more dwelling units that are deemed impaired will require calculations to determine the fair value on the particular asset when the loan is classified as substandard. If the calculation yields a value below the recorded investment of the asset and determined to have collectability issues that result in a deficiency, the deficiency amount will be charged off.

 

Doubtful - Loans classified as doubtful have all the weaknesses of loans classified as substandard, but in addition, on the basis of current facts, collection or liquidation in full is questionable and improbable. A loan classified as doubtful exhibits loss potential. However, there is still sufficient reason to permit the loan to remain on the books. A doubtful classification could reflect the deterioration of the primary source of repayment and serious doubt exists as to the quality of the secondary source of repayment.

 

Doubtful classifications should be used only when a distinct and known possibility of loss exists. When identified, adequate loss should be recorded for specific assets. The entire asset should not be classified as doubtful if a partial recovery is expected, such as a liquidation of the collateral or the probability of a private mortgage insurance payment is likely.

 

Loss - Loans classified as loss are considered uncollectable and of such little value that their continuance as loans is unjustified. A loss classification does not mean a loan has absolutely no value; partial recoveries may be received in the future.

 

When loans or portions of a loan are considered a loss, it will be the policy of the Bank to write-off the amount designated as loss. Recoveries will be treated as additions to the allowance for loan losses.

 

The following presents by class and by credit quality indicator, the recorded investment in the Company’s loans as of March 31, 2013 and 2012.

 

Commercial Credit Exposure   Commercial, 
Not Real Estate Secured		     Commercial Real Estate (1)  
    2013     2012     2013     2012  
Grade:                                
Pass   $ 3,702,067     $ 4,925,036     $ 11,634,602     $ 13,298,287  
Special Mention     372,524       699,437       3,430,979       1,587,059  
Substandard     15,577       0       376,579       0  
Doubtful     0       0       0       0  
Loss     0       0       0       0  
  $ 4,090,168     $ 5,624,473     $ 15,442,160     $ 14,885,346  
                                 

 

Other Credit Exposure   Residential Real Estate
Construction and Land		     Residential Real Estate
Other (2)		     Consumer  
    2013     2012     2013     2012     2013     2012  
Grade:                                                
Pass   $ 2,021,668     $ 5,592,390     $ 57,944,859     $ 54,941,070     $ 401,803     $ 612,326  
Special Mention     3,396,480       1,946,770       509,874       736,182       0       0  
Substandard     140,602       232,502       320,931       1,166,460       1,527       0  
Doubtful     0       0       0       0       0       0  
Loss     0       0       0       0       0       0  
    $ 5,558,750     $ 7,771,662     $ 58,775,664     $ 56,843,712     $ 403,330     $ 612,326  

 

(1) Commercial real estate includes farm loans guaranteed by the USDA.

(2) Residential real estate other includes 1-4 family residential, multifamily residential and home equity lines of credit.

 

Age Analysis of Past Due Loans, as of March 31, 2013 and 2012

 

March 31, 2013   30-59 Days
Past Due		     60-89 Days
Past Due		     90 Days or
More Past
Due		     Total Past
Due		     Current     Total Loans  
Loans secured by mortgages:                                                
Residential:                                                
1-4 Single family   $ 576,788     $ 74,160     $ 313,580     $ 964,528     $ 53,639,656     $ 54,604,184  
Multifamily     0       0       0       0       1,513,209       1,513,209  
Lines of credit     0       0       0       0       2,658,271       2,658,271  
Commercial     0       0       376,579       376,579       14,177,037       14,553,616  
Land     0       0       0       0       4,191,616       4,191,616  
Farm     0       0       0       0       888,544       888,544  
Residential Construction     424,938       0       0       424,938       942,196       1,367,134  
      1,001,726       74,160       690,159       1,766,045       78,010,529       79,776,574  
Consumer     3,494       0       1,527       5,021       398,309       403,330  
Commercial     0       0       15,577       15,577       4,074,591       4,090,168  
    $ 1,005,220     $ 74,160     $ 707,263     $ 1,786,643     $ 82,483,429     $ 84,270,072  

 

March 31, 2012   30-59 Days
Past Due		     60-89 Days
Past Due		     90 Days or
More Past
Due		     Total Past
Due		     Current     Total Loans  
Loans secured by mortgages:                                                
Residential:                                                
1-4 Single family   $ 1,403,581     $ 0     $ 816,600     $ 2,220,181     $ 50,782,571     $ 53,002,752  
Multifamily     0       0       0       0       1,593,173       1,593,173  
Lines of credit     0       0       0       0       2,247,787       2,247,787  
Commercial     384,887       0       0       384,887       14,500,459       14,885,346  
Land     0       0       0       0       6,568,154       6,568,154  
Farm     0       0       0       0       0       0  
Residential Construction     0       0       0       0       1,203,508       1,203,508  
      1,788,468       0       816,600       2,605,068       76,895,652       79,500,720  
Consumer     0       50       0       50       612,276       612,326  
Commercial     31,194       0       0       31,194       5,593,279       5,624,473  
    $ 1,819,662     $ 50     $ 816,600     $ 2,636,312     $ 83,101,207     $ 85,737,519  

 

As of March 31, 2013, there were nine nonaccrual 1-4 single family loans totaling $313,581 with forgone interest of $26,954, one commercial loan in the amount of $15,577 with forgone interest of $109 and one consumer loan in the amount of $1,527, which has subsequently been paid off.

 

As of March 31, 2013, there was one commercial real estate loan with a balance of $376,579 that was 90 days past-due but remained on accrual status.

 

As of March 31, 2012, there were six nonaccrual 1-4 single family loans totaling $287,603, with forgone interest of $12,701. As of March 31, 2012, 1-4 single family loans totaling $606,624 were 90 days or more past due and accruing interest.

 

Impaired Loans as of and for the Year Ended March 31, 2013

 

    Unpaid
Contractual
Principal
Balance		     Recorded 
Investment 
with No 
Allowance		     Recorded
Investment 
with 
Allowance		     Total 
Recorded 
Investment		     Related 
Allowance		     Average 
Recorded 
Investment		     Interest 
Recognized		     Nonaccrual 
Interest Not 
Accrued		  
Loans secured by mortgages:                                                                
Residential:                                                                
1-4 Single family   $ 812,251     $ 313,581     $ 379,930     $ 693,511     $ 60,200     $ 777,370     $ 10,346     $ 26,954  
Multifamily     0       0       0       0       0       0       0       0  
Lines of credit     0       0       0       0       0       0       0       0  
Commercial     376,579       376,579       0       376,579       0       381,180       33,686       0  
Land     230,102       140,602       0       140,602       0       223,763       9,945       0  
Farm     0       0       0       0       0       0       0       0  
Residential construction     0       0       0       0       0       0       0       0  
      1,418,932       830,762       379,930       1,210,692       60,200       1,382,313       53,977       26,954  
Consumer     1,527       1,527       0       1,527       0       1,588       34       0  
Commercial     15,837       15,577       0       15,577       0       16,832       343       109  
Total impaired loans   $ 1,436,296     $ 847,866     $ 379,930     $ 1,227,796     $ 60,200     $ 1,400,733     $ 54,354     $ 27,063  

 

Impaired Loans as of and for the Year Ended March 31, 2012

 

    Unpaid
Contractual
Principal
Balance		     Recorded 
Investment 
with No 
Allowance		     Recorded 
Investment 
with 
Allowance		     Total 
Recorded 
Investment		     Related 
Allowance		     Average 
Recorded 
Investment		     Interest 
Recognized		     Nonaccrual 
Interest Not 
Accrued		  
Loans secured by mortgages:                                                                
Residential:                                                                
1-4 Single family   $ 1,252,549     $ 778,480     $ 387,980     $ 1,166,460     $ 53,000     $ 1,228,377     $ 58,003     $ 12,701  
Multifamily     0       0       0       0       0       0       0       0  
Lines of credit     0       0       0       0       0       0       0       0  
Commercial     0       0       0       0       0       0       0       0  
Land     232,502       0       232,502       232,502       69,500       233,502       10,687       0  
Farm     0       0       0       0       0       0       0       0  
Residential construction     0       0       0       0       0       0       0       0  
      1,485,051       778,480       620,482       1,398,962       122,500       1,461,879       68,690       12,701  
Consumer     0       0       0       0       0       0       0       0  
Commercial     0       0       0       0       0       0       0       0  
Total impaired loans   $ 1,485,051     $ 778,480     $ 620,482     $ 1,398,962     $ 122,500     $ 1,461,879     $ 68,690     $ 12,701  

 

We occasionally modify loans to extend the term to help borrowers stay current on their loan and to avoid foreclosure. At March 31, 2013, we had ten 1-4 single family mortgage loans totaling $1,650,100 that we had modified the terms either by extending the term or increasing the payments to allow the customer to become current. We did not forgive any principal or interest, or modify the interest rates on the loans. Seven of these ten modified loans were current, two of these ten with balances of $377,707 were 30-59 days delinquent and one of these ten with a balance of $239,351 was 90 days or greater delinquent at March 31, 2013. Two of these loans totaling $379,930 were considered to be troubled debt restructurings at March 31, 2013 and both of these loans are current.

During the year ended March 31, 2013 we modified one 1-4 single family mortgage loan which was considered a troubled debt restructuring. The balance of this loan was $7,351 as of March 31, 2013.

 

At March 31, 2012, we had seven 1-4 single family mortgage loans totaling approximately $1.1 million that we had modified the terms either by extending the term or increasing the payments to allow the customer to become current. We did not forgive any principal or interest, or modify the interest rates on the loans. Three of these seven modified loans were current and three of these seven were 30-59 days delinquent at March 31, 2012. One of these loans in the amount of approximately $381,000 was considered a troubled debt restructuring at March 31, 2012, and this loan has subsequently become current.

 

The following tables set forth for the years ended March 31, 2013 and 2012, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually. The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance to absorb losses in other portfolio segments.

 

For the year ended March 31, 2013:

 

    Allowance
3/31/2012		     Charge-
offs		     Recoveries     Provision     Allowance
3/31/2013		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 372,404     $ 75,712     $ 7,401     $ 39,017     $ 343,110  
Multifamily     18,705       0       0       513       19,218  
Lines of credit     13,817       0       0       2,133       15,950  
Commercial     188,199       0       0       70,244       258,443  
Land     152,621       89,500       0       32,079       95,200  
Farm     0       0       0       0       0  
Residential construction     16,417       0       0       20,042       36,459  
      762,163       165,212       7,401       164,028       768,380  
Consumer     3,103       0       0       (301 )     2,802  
Commercial     71,149       0       236       (11,238 )     60,147  
Unallocated     648       0       0       77,511       78,159  
Total   $ 837,063     $ 165,212     $ 7,637     $ 230,000     $ 909,488  

 

    Allowance     Loan Balance        
    Individually
Evaluated
for
Impairment		     Collectively
Evaluated
for
Impairment		     Individually 
Evaluated 
for 
Impairment		     Collectively
Evaluated
for
Impairment		     Ending
Loan
Balance		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 60,200     $ 282,910     $ 693,511     $ 53,910,673     $ 54,604,184  
Multifamily     0       19,218       0       1,513,209       1,513,209  
Lines of credit     0       15,950       0       2,658,271       2,658,271  
Commercial     0       258,443       376,579       14,177,037       14,553,616  
Land     0       95,200       140,602       4,051,014       4,191,616  
Farm     0       0       0       888,544       888,544  
Residential construction     0       36,459       0       1,367,134       1,367,134  
      60,200       708,180       1,210,692       78,565,882       79,776,574  
Consumer     0       2,802       1,527       401,803       403,330  
Commercial     0       60,147       15,577       4,074,591       4,090,168  
Unallocated     0       78,159       0       0       0  
Total   $ 60,200     $ 849,288     $ 1,227,796     $ 83,042,276     $ 84,270,072  

 

For the year ended March 31, 2012:

 

    Allowance
3/31/2011		     Charge-
offs		     Recoveries     Provision     Allowance
3/31/2012		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 185,114     $ 80,800     $ 3,366     $ 264,724     $ 372,404  
Multifamily     17,417       0       0       1,288       18,705  
Lines of credit     8,441       0       0       5,376       13,817  
Commercial     141,331       0       0       46,868       188,199  
Land     73,355       0       0       79,266       152,621  
Farm     0       0       0       0       0  
Residential construction     95,779       0       0       (79,362 )     16,417  
      521,437       80,800       3,366       318,160       762,163  
Consumer     5,848       0       0       (2,745 )     3,103  
Commercial     63,745       13,202       65       20,541       71,149  
Unallocated     44,505       0       0       (43,857 )     648  
Total   $ 635,535     $ 94,002     $ 3,431     $ 292,099     $ 837,063  

 

 

    Allowance     Loan Balance        
    Individually
Evaluated
for
Impairment		     Collectively
Evaluated
for
Impairment		     Individually 
Evaluated 
for 
Impairment		     Collectively
Evaluated
for
Impairment		     Ending 
Loan 
Balance		  
Loans secured by mortgages:                                        
Residential:                                        
1-4 Single family   $ 53,000     $ 319,404     $ 1,166,460     $ 51,836,292     $ 53,002,752  
Multifamily     0       18,705       0       1,593,173       1,593,173  
Lines of credit     0       13,817       0       2,247,787       2,247,787  
Commercial     0       188,199       0       14,885,346       14,885,346  
Land     69,500       83,121       232,502       6,335,652       6,568,154  
Farm     0       0       0       0       0  
Residential construction     0       16,417       0       1,203,508       1,203,508  
      122,500       639,663       1,398,962       78,101,758       79,500,720  
Consumer     0       3,103       0       612,326       612,326  
Commercial     0       71,149       0       5,624,473       5,624,473  
Unallocated     0       648       0       0       0  
Total   $ 122,500     $ 714,563     $ 1,398,962     $ 84,338,557     $ 85,737,519  
XML 77 R62.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summarized Activity in Securities Valued Using Level 3 Inputs (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Fair Value Liabilities Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]    
Balance at beginning of year $ 988,908 $ 521,339
Purchases 1,072,354 1,001,253
Sales 0 (2,246)
Paydowns 0 (12,825)
Transfers in and/or out of Level 3 (988,908) (518,613)
Balance at the end of the year $ 1,072,354 $ 988,908
XML 78 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises and Equipment (Tables)
 12 Months Ended
Mar. 31, 2013
Property, Plant and Equipment [Abstract]  
Premises and Equipment, and Related Depreciation and Amortization

Premises and equipment, and related depreciation and amortization, are summarized as follows:

 

    March 31,  
    2013     2012  
             
Land   $ 619,214     $ 632,925  
Buildings     3,673,698       3,673,698  
Furniture and equipment     1,149,351       1,146,293  
Leasehold improvements     134,611       134,611  
Automobiles     59,280       59,280  
      5,636,154       5,646,807  
Less: accumulated depreciation and amortization     2,097,775       1,893,095  
    $ 3,538,379     $ 3,753,712  
                 
Depreciation and amortization expense   $ 209,230     $ 232,192  
Minimum Future Rental Commitments Under Non-cancelable Lease

Minimum future rental commitments under non-cancelable lease as of March 31, 2013 were as follows:

 

Year Ending March 31,   Payments  
2014   $ 291,758  
2015     301,507  
2016     313,070  
2017     322,710  
2018     332,689  
Subsequent years     1,090,019  
Total   $ 2,651,753  
XML 79 R42.htm IDEA: XBRL DOCUMENT v2.4.0.6
Cash and Cash Equivalents - Additional Information (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Cash and Cash Equivalents [Line Items]    
Amount invested in a money market account at a brokerage that is not covered by deposit insurance $ 168,629 $ 1,244,143
Federal funds sold $ 173,535 $ 173,185
XML 80 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk
 12 Months Ended
Mar. 31, 2013
Commitments and Financial Instruments With Off Balance Sheet Credit Risk Disclosure [Abstract]  
Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk

Note 8. Commitments and Financial Instruments with Off-Balance-Sheet Credit Risk

 

In the normal course of business, the Bank has various outstanding commitments and contingent liabilities that are not reflected in the accompanying financial statements. Loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition to the contract. Mortgage loan commitments generally have fixed interest rates, fixed expiration dates, and may require payment of a fee. Other loan commitments generally have fixed interest rates. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party.

 

The Bank’s maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments, lines of credit, and letters of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments.

 

The Bank had outstanding firm commitments to originate or purchase loans as follows:

 

    March 31,  
    2013     2012  
             
Mortgage loan commitments –fixed rate   $ 1,573,750     $ 1,077,534  
Mortgage loan commitments –variable rate     238,629       3,546  
Unused equity lines of credit (variable rate)     2,815,945       2,331,748  
Commercial and consumer lines of credit     230,651       456,995  
Standby letters of credit     377,530       675,023  
 Total   $ 5,236,505     $ 4,544,846  
XML 81 R74.htm IDEA: XBRL DOCUMENT v2.4.0.6
Activity Related To options Under All Plans (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Shares, Outstanding at beginning of year 24,170 0
Shares, Granted 0 24,170
Shares, Options exercised 0 0
Shares, Options forfeited/expired 500 0
Shares, Outstanding at end of year 23,670 24,170
Shares, Vested at end of year 15,778 8,057
Weighted Average Exercise Price, Outstanding at beginning of year $ 8.00 $ 0
Weighted Average Exercise Price, Granted $ 0 $ 8.00
Weighted Average Exercise Price, Options exercised $ 0 $ 0
Weighted Average Exercise Price, Options forfeited/expired $ 0 $ 0
Weighted Average Exercise Price, Outstanding at end of year $ 8.00 $ 8.00
Weighted Average Exercise Price, Vested at end of year $ 8.00 $ 8.00
XML 82 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities
 12 Months Ended
Mar. 31, 2013
Investment Securities [Abstract]  
Investment Securities

Note 4. Investment Securities

 

The amortized cost and estimated fair value of investment securities at March 31, 2013 and 2012 are summarized as follows:

 

    Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Estimated
Fair Value		  
March 31, 2013                                
Investment securities available-for-sale:                                
U.S. government agencies   $ 15,137,211     $ 18,332     $ 33,765     $ 15,121,778  
Brokered certificates of deposit     8,444,000       36,394       1,119       8,479,275  
Mortgage-backed securities (Agency)     18,802,845       256,680       37,871       19,021,654  
Collateralized mortgage obligations (Agency)     13,598,841       76,606       15,979       13,659,468  
    $ 55,982,897     $ 388,012     $ 88,734     $ 56,282,175  

 

    Amortized
Cost		     Gross
Unrealized
Gains		     Gross
Unrealized
Losses		     Estimated
Fair Value		  
March 31, 2012                                
Investment securities available-for-sale:                                
U.S. government agencies   $ 2,000,282     $ 6,888     $ 5,405     $ 2,001,765  
Brokered certificates of deposit     6,886,898       6,883       13,752       6,880,029  
Mortgage-backed securities (Agency)     31,800,333       530,374       10,230       32,320,477  
Collateralized mortgage obligations (Agency)     12,157,358       41,346       11,638       12,187,066  
    $ 52,844,871     $ 585,491     $ 41,025     $ 53,389,337  

  

The Bank has arranged for two lines of credit for liquidity to meet expected and unexpected cash needs with large financial institutions. Any advances would be collateralized by the brokered certificates of deposit and various U.S. Government Agency securities. As of March 31, 2013 and 2012, there were no borrowings or securities pledged under these lines of credit.

 

The following is a summary of contractual maturities of securities available-for-sale as of March 31, 2013:

 

    Available-for-Sale  
    Amortized     Estimated  
    Cost     Fair Value  
Amounts maturing in:                
One year or less   $ 4,196,000     $ 4,203,915  
After one year through five years     8,220,649       8,253,949  
After five years through ten years     10,166,374       10,150,205  
After ten years     998,188       992,984  
      23,581,211       23,601,053  
                 
Mortgage-backed securities (Agency)     18,802,845       19,021,654  
Collateralized mortgage obligations (Agency)     13,598,841       13,659,468  
    $ 55,982,897     $ 56,282,175  

 

Proceeds from sales of investment securities were $21.0 million and $28.6 million during the years ended March 31, 2013 and 2012, respectively with gains of $317,681 and losses of $25,360 for the year ended March 31, 2013, and gains of $400,176 and losses of $202,147 for the year ended March 31, 2012.

 

The following table presents Madison’s investments’ gross unrealized losses and the corresponding fair values by investment category and length of time that the securities have been in a continuous unrealized loss position, at March 31, 2013 and 2012.

 

    Less than 12 Months     12 Months or More     Total  
March 31, 2013   Estimated
Fair Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		  
                                     
Investment securities available-for-sale:                                                
U.S. government agencies   $ 7,592,327     $ 33,765     $ 0     $ 0     $ 7,592,327     $ 33,765  
Brokered certificates of deposit     431,881       1,119       0       0       431,881       1,119  
Mortgage-backed securities (Agency)     4,318,861       37,871       0       0       4,318,861       37,871  
Collateralized mortgage obligations (Agency)     2,214,670       11,111       1,117,261       4,868       3,331,931       15,979  
    $ 14,557,739     $ 83,866     $ 1,117,261     $ 4,868     $ 15,675,000     $ 88,734  

 

    Less than 12 Months     12 Months or More     Total  
March 31, 2012   Estimated
Fair Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		     Estimated
Fair
Value		     Gross
Unrealized
Losses		  
                                     
Investment securities available-for-sale:                                                
U.S. government agencies   $ 643,612     $ 5,405     $ 0     $ 0     $ 643,612     $ 5,405  
Brokered certificates of deposit     2,652,248       13,752       0       0       2,652,248       13,752  
Mortgage-backed securities (Agency)     3,241,420       9,856       443,979       374       3,685,399       10,230  
Collateralized mortgage obligations (Agency)     1,103,516       9,437       798,424       2,201       1,901,940       11,638  
    $ 7,640,796     $ 38,450     $ 1,242,403     $ 2,575     $ 8,883,199     $ 41,025  

 

The gross unrealized losses are not considered by management to be other-than-temporary impairments. Management has the intent and ability to hold these securities until recovery of their fair value. In most cases, temporary impairment is caused by market interest rate fluctuations
XML 83 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Net unrealized loss on available-for-sale securities, net of tax effect $ 96,713 $ (313,341)
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Loans Receivable and Allowance For Loan Losses - Additional Information (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Commercial Real Estate
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
90 Days or more past due accruals $ 376,579 $ 606,624
Commercial
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total nonaccrual status 15,577  
Foregone interest on nonaccrual loans 109  
Consumer
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total nonaccrual status 1,527  
1-4 Single family
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total nonaccrual status 313,581 287,603
Foregone interest on nonaccrual loans 26,954 12,701
Mortgage loans modified 1,650,100 1,100,000
1-4 Single family | Financing Receivable, Current
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Troubled debt restructuring 379,930 381,000
1-4 Single family | Financing Receivable, 30 to 59 Days Past Due
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Mortgage loans modified 377,707  
1-4 Single family | Financing Receivable, 90 days or greater
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Mortgage loans modified 239,351  
1-4 Single family | Other Loan
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Mortgage loans modified $ 7,351  

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Loans Receivable (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross $ 84,270,072 $ 85,737,519
Net deferred costs 179,768 85,955
Allowance for loan losses (909,488) (837,063)
Loans receivable, net 83,540,352 84,986,411
Commercial
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 4,090,168 5,624,473
Consumer
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 403,330 612,326
Residential Mortgage
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 79,776,574 79,500,720
Residential Mortgage | 1-4 Single family
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 54,604,184 53,002,752
Residential Mortgage | Multifamily
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 1,513,209 1,593,173
Residential Mortgage | Line of Credit
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 2,658,271 2,247,787
Residential Mortgage | Commercial
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 14,553,616 14,885,346
Residential Mortgage | Land
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 4,191,616 6,568,154
Residential Mortgage | Farm loans guaranteed by the USDA
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross 888,544 0
Residential Mortgage | Residential Construction
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable, gross $ 1,367,134 $ 1,203,508
XML 88 R82.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Statement of Operations (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Total Interest Revenue $ 5,142,573 $ 5,803,346
Net income (loss) 213,653 (10,547)
Parent Company
    
Interest income on ESOP loan 11,647 12,552
Interest income on intercompany deposits 5,148 8,279
Interest income on certificate of deposit 4,099 4,165
Total Interest Revenue 20,894 24,996
Operating expenses 104,137 111,729
Loss before equity in net income (loss) of bank subsidiary (83,243) (86,733)
Equity in net income (loss) of bank subsidiary 296,896 76,186
Net income (loss) $ 213,653 $ (10,547)
XML 89 R33.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements (Tables)
 12 Months Ended
Mar. 31, 2013
Fair Value Disclosures [Abstract]  
Investment Securities Available-For-Sale Measured at Fair Value on Recurring Basis

Investment securities available-for-sale are the only financial assets measured at fair value on a recurring basis. As of March 31, 2013 and 2012, the fair values were measured using the following methodologies:

 

    March 31, 2013  
    Level 1     Level 2     Level 3     Total  
Investment securities available-for-sale:                                
U.S. Government agencies   $ 1,024,845     $ 14,096,933     $ 0     $ 15,121,778  
Brokered certificates of deposit     8,479,275       0       0       8,479,275  
Mortgage-backed securities (Agency)     1,022,582       17,503,140       495,932       19,021,654  
Collateralized mortgage obligations (Agency)     285,887       12,797,159       576,422       13,659,468  
    $ 10,812,589     $ 44,397,232     $ 1,072,354     $ 56,282,175  

 

    March 31, 2012  
    Level 1     Level 2     Level 3     Total  
Investment securities available-for-sale:                                
U.S. Government agencies   $ 0     $ 2,001,765     $ 0     $ 2,001,765  
Brokered certificates of deposit     6,880,029       0       0       6,880,029  
Mortgage-backed securities (Agency)     2,606,719       29,713,758       0       32,320,477  
Collateralized mortgage obligations (Agency)     1,258,351       9,939,807       988,908       12,187,066  
    $ 10,745,099     $ 41,655,330     $ 988,908     $ 53,389,337  
Roll-forward of Amounts for Financial Instruments Classified by Madison within Level 3 of Valuation Hierarchy

The following table summarizes activity in securities valued using Level 3 inputs during the years ended March 31, 2013 and 2012:

 

    March 31,
2013		     March 31,
2012		  
             
Balance at beginning of year   $ 988,908     $ 521,339  
Purchases     1,072,354       1,001,253  
Sales     (0 )     (2,246 )
Paydowns     (0 )     (12,825 )
Transfers in and/or out of Level 3     (988,908 )     (518,613 )
Balance at the end of the year   $ 1,072,354     $ 988,908  
Fair Value Measurements, Nonrecurring

The Company has categorized its foreclosed real estate as Level 3. There was no foreclosed real estate as of March 31, 2012.

 

    March 31, 2013  
    Level 1     Level 2     Level 3     Total  
                         
Impaired loans   $ 0     $ 0     $ 1,167,596     $ 1,167,596  
Foreclosed real estate     0       0       55,000       55,000  
 Total   $ 0     $ 0     $ 1,222,596     $ 1,222,596  
                                 

 

    March 31, 2012  
    Level 1     Level 2     Level 3     Total  
                                 
Impaired loans   $ 0     $ 0     $ 1,276,462     $ 1,276,462  
Estimated Fair Value of Financial Instruments

The Bank does not report the fair value of its other financial assets or liabilities on the statement of condition on a recurring basis. The estimated fair values of these financial instruments are as follows:

 

    March 31, 2013     March 31, 2012  
(dollars in thousands)   Book
Value		     Estimated
Fair Value		     Book
Value		     Estimated
Fair Value		  
                           
Financial assets                                
Level 2 inputs:                                
Cash and cash equivalents   $ 4,813     $ 4,813     $ 10,735     $ 10,735  
Certificates of deposit     500       500       738       738  
Accrued interest receivable     422       422       428       428  
Level 3 inputs:                                
Federal Home Loan Bank stock   $ 182     $ 182     $ 235     $ 235  
Loans, net     83,540       96,396       84,986       95,704  
Foreclosed real estate     55       55       0       0  
                                 
Financial liabilities                                
Level 2 inputs:                                
Noninterest-bearing deposits   $ 5,972     $ 5,972     $ 6,583     $ 6,583  
Advances from borrowers for taxes and insurance     627       627       543       543  
Level 3 inputs:                                
Interest-bearing deposits     128,684       129,625       133,599       134,886  
XML 90 R81.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Statement of Financial Condition (Parenthetical) (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Common stock, par value $ 0.01 $ 0.01
Common stock, shares authorized 10,000,000 10,000,000
Common stock, issued 608,116 608,116
Parent Company
    
Common stock, par value $ 0.01 $ 0.01
Common stock, shares authorized 10,000,000 10,000,000
Common stock, issued 608,116 608,116
XML 91 R66.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Capital Ratios for Madison Square Federal Savings Bank (Detail) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2013
Mar. 31, 2012
Total risk-based capital (to risk-weighted assets)    
Actual Amount $ 13,298 $ 12,922
Actual Percentage 19.10% 17.20%
Minimum Requirements Amount 5,571 6,005
Minimum Requirements Percentage 8.00% 8.00%
To Be Well Capitalized Amount 6,963 7,506
To Be Well Capitalized Percentage 10.00% 10.00%
Tier I capital (to risk-weighted assets)    
Actual Amount 12,427 12,085
Actual Percentage 17.80% 16.10%
To Be Well Capitalized Amount 4,178 4,503
To Be Well Capitalized Percentage 6.00% 6.00%
Tier I capital (to adjusted total assets)    
Actual Amount 12,427 12,085
Actual Percentage 8.30% 7.80%
Minimum Requirement Amount 5,986 6,200
Minimum Requirement Percentage 4.00% 4.00%
To Be Well Capitalized Amount $ 7,483 $ 7,750
To Be Well Capitalized Percentage 5.00% 5.00%
XML 92 R59.htm IDEA: XBRL DOCUMENT v2.4.0.6
Outstanding Firm Commitments to Originate, or Purchase Loans (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Commitments [Line Items]    
Outstanding loan commitments $ 5,236,505 $ 4,544,846
Mortgage loans commitments - fixed rate
    
Commitments [Line Items]    
Outstanding loan commitments 1,573,750 1,077,534
Mortgage loans commitments - variable rate
    
Commitments [Line Items]    
Outstanding loan commitments 238,629 3,546
Unused equity lines of credit (variable rate)
    
Commitments [Line Items]    
Outstanding loan commitments 2,815,945 2,331,748
Commercial and consumer lines of credit
    
Commitments [Line Items]    
Outstanding loan commitments 230,651 456,995
Standby letters of credit
    
Commitments [Line Items]    
Outstanding loan commitments $ 377,530 $ 675,023
XML 93 R83.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Statement of Cash Flows (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Cash flows from operating activities:    
Net income (loss) $ 213,653 $ (10,547)
Adjustments to reconcile net loss to net cash used by operating activities:    
Increase in other liabilities 88,609 (13,892)
Net cash provided by operating activities 759,046 916,600
Cash flows from investing activities:    
Net cash provided by (used in) investing activities (1,240,578) 987,972
Cash flows from financing activities:    
Net cash provided by (used in) financing activities (5,440,545) 647,485
Net change in cash and cash equivalents (5,922,077) 2,552,057
Cash and Cash Equivalents, Beginning of Year 10,735,213 8,183,156
Cash and Cash Equivalents, End of Year 4,813,136 10,735,213
Parent Company
    
Cash flows from operating activities:    
Net income (loss) 213,653 (10,547)
Adjustments to reconcile net loss to net cash used by operating activities:    
Equity in undistributed net (income) loss of subsidiary (108,283) (76,186)
Increase in other assets (190,648) (1,882)
Increase in other liabilities 20,123 305
Other 0 0
Net cash provided by operating activities (65,155) (88,310)
Cash flows from investing activities:    
Investment in bank subsidiary 0 0
ESOP loan to bank 0 0
Principal collected on ESOP loan 23,788 29,503
Increase in certificates of deposit (4,063) (4,533)
Net cash provided by (used in) investing activities 19,725 24,970
Cash flows from financing activities:    
Proceeds from issuance of common stock (net of costs) 0 0
Net cash provided by (used in) financing activities 0 0
Net change in cash and cash equivalents (45,430) (63,340)
Cash and Cash Equivalents, Beginning of Year 1,133,560 1,196,900
Cash and Cash Equivalents, End of Year $ 1,088,130 $ 1,133,560
XML 94 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Capital
 12 Months Ended
Mar. 31, 2013
Banking and Thrift [Abstract]  
Regulatory Capital Ratios for Madison Square Federal Savings Bank

Note 11. Regulatory Capital

 

Federal regulators have adopted capital adequacy guidelines for bank holding companies and banks. Failure to meet the minimum regulatory capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s operations. Under the regulatory capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines involving quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification under the prompt corrective action guidelines are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios: total risk-based capital and Tier I capital to risk-weighted assets (as defined in the regulations), Tier I capital to adjusted total assets (as defined), and tangible capital to adjusted total assets (as defined). As discussed in greater detail below, as of March 31, 2013 and 2012, the Bank meets all of the capital adequacy requirements to which it is subject.

 

As of March 31, 2013, the most recent date of filing of the Consolidated Reports of Condition and Income with the Board of Governors of the Federal Reserve System, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action as disclosed in the table below. Management knows of no events or conditions that would change this classification:

 

          Minimum     To Be Well  
    Actual     Requirements     Capitalized  
(dollars in thousands)   Amount     %     Amount     %     Amount     %  
                                     
As of March 31, 2013:                                                
Total risk-based capital (to risk-weighted assets)   $ 13,298       19.1 %   $ 5,571       8.0 %   $ 6,963       10.0 %
Tier I capital (to risk-weighted assets)     12,427       17.8       N/A       N/A       4,178       6.0  
Tier I capital (to adjusted total assets)     12,427       8.3       5,986       4.0       7,483       5.0  
                                                 
As of March 31, 2012:                                                
Total risk-based capital (to risk-weighted assets)   $ 12,922       17.2 %   $ 6,005       8.0 %   $ 7,506       10.0 %
Tier I capital (to risk-weighted assets)     12,085       16.1       N/A       N/A       4,503       6.0  
Tier I capital (to adjusted total assets)     12,085       7.8       6,200       4.0       7,750       5.0  
XML 95 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Interest-bearing Deposits
 12 Months Ended
Mar. 31, 2013
Interest Bearing Deposits [Abstract]  
Interest-bearing Deposits

Note 7. Interest-bearing Deposits

 

    March 31,  
    2013     2012  
             
NOW   $ 2,411,954     $ 2,254,834  
Money market     6,334,571       5,646,923  
Savings     24,677,117       22,750,913  
Time     95,260,430       102,946,003  
    $ 128,684,072     $ 133,598,673  

 

Time deposits of $100,000 or more were $44,269,000 and $45,234,000 at March 31, 2013 and 2012, respectively.

 

Schedule of maturity of time deposits:

 

    March 31,  
    2013     2012  
             
Three months or less   $ 17,062,454     $ 17,399,571  
Over three months through one year     27,040,516       39,345,288  
Over one year through two years     33,465,767       20,505,205  
Over two years through three years     9,111,730       18,348,392  
Over three years     8,579,963       7,347,547  
    $ 95,260,430     $ 102,946,003  
XML 96 R68.htm IDEA: XBRL DOCUMENT v2.4.0.6
Reconciliation of Provision for Income Taxes at Statutory Tax Rate (Detail) (USD $)
 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Schedule Of Income Taxes [Line Items]    
Tax (benefit) at statutory federal rate $ 72,642 $ (3,586)
State income tax (benefit), net of federal income tax benefit tax benefit 14,221 (574)
Change in valuation allowance/NOL used (74,720) (1,080)
Other (12,143) 5,240
Total $ 0 $ 0
XML 97 R22.htm IDEA: XBRL DOCUMENT v2.4.0.6
Employee Stock Ownership Plan
 12 Months Ended
Mar. 31, 2013
Employee Stock Ownership Plan Esop [Abstract]  
Employee Stock Ownership Plan

Note 14. Employee Stock Ownership Plan

 

In connection with the conversion to stock, the Company established an Employee Stock Ownership Plan for the exclusive benefit of eligible employees. The ESOP borrowed funds from the Company in the amount of $425,680, which was sufficient to purchase 42,568 shares or 7% of the Common Stock issued in the offering. The shares were acquired at a price of $10.00 per share.

 

The loan is secured by the shares purchased with the loan proceeds and will be repaid by the ESOP over the 15-year term of the loan with funds from the Bank’s contributions to the ESOP and dividends paid on the stock, if any. The interest rate on the ESOP loan is an adjustable rate equal to the lowest prime rate, as published in The Wall Street Journal. The interest rate adjusts annually and will be the prime rate on the last business day of the prior fiscal year. The interest rate on the loan as of March 31, 2013, is 3.25%.

 

Shares purchased with the loan proceeds are held in a suspense account for allocation among participants as the loan is repaid. Contributions to the ESOP and shares released from the suspense account are allocated among participants in proportion to their compensation, relative to total compensation of all active participants. Participants will vest their accrued benefits under the employee stock ownership plan at a rate of 0% with less than 2 years of service; 33 1/3 % vested with service of 2 years; 66 2/3% vested with service of 3 years and 100% vested with service of 4 or more years. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Bank. Forfeitures will be reallocated to remaining plan participants. Benefits may be payable upon retirement, death, disability, separation of service, or termination of the ESOP. Participants may elect to receive benefits in cash in lieu of common stock.

 

The debt of the ESOP, in accordance with generally accepted accounting principles, is eliminated in consolidation and the shares pledged as collateral are reported as unearned ESOP shares in the consolidated balance sheet. Contributions to the ESOP shall be sufficient to pay principal and interest currently due under the loan agreement. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average market price of the shares for the respective period, and the shares become outstanding for earnings per share computations. Dividends on allocated ESOP shares are recorded as a reduction of debt and accrued interest. The ESOP compensation expense for the years ended March 31, 2013 and 2012 was $31,218 and $29,750, respectively.

 

A summary of ESOP shares at March 31, 2013 is as follows:

 

Shares allocated to employees     9,176  
Unearned shares     33,392  
Total ESOP shares     42,568  
Fair value of unearned shares   $ 492,532  
XML 98 R20.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes
 12 Months Ended
Mar. 31, 2013
Income Tax Disclosure [Abstract]  
Income Taxes

Note 12. Income Taxes

 

The provisions for income taxes for the years ended March 31, 2013 and 2012 consist of the following components:

 

    March 31,  
    2013     2012  
Current:                
Federal   $ (74,308 )   $ 15,062  
State     (6,867 )     6,956  
Deferred income tax     81,175       (22,018 )
Total   $ 0     $ 0  

 

A reconciliation of the provision for income taxes at the statutory tax rate to the Bank’s actual provision for income taxes is as follows:

 

    March 31,  
    2013     2012  
Tax (benefit) at statutory federal rate   $ 72,642     $ (3,586 )
State income tax (benefit), net of federal income tax benefit tax benefit     14,221       (574 )
Change in valuation allowance/NOL used     (74,720 )     (1,080 )
Other     (12,143 )     5,240  
Total   $ 0     $ 0  

 

The Bank computes deferred income taxes under the provisions of U.S. generally accepted accounting principles (GAAP) which requires the use of an asset and liability method of accounting for income taxes. GAAP also provides for the recognition and measurement of deferred income tax benefits on the likelihood of their realization in future years. A valuation allowance must be established to reduce deferred income tax benefits if it is more likely than not that a portion of the deferred income tax benefits will not be realized. The Bank has established a valuation allowance to reflect uncertainty as to the Bank’s ability to realize the deferred tax asset. Increases in the valuation allowance in future periods are possible based on management’s analysis.

 

The following is a summary of the tax effects of the temporary differences between financial and income tax accounting that give rise to deferred tax assets and deferred tax liabilities as of March 31:

 

    March 31,  
    2013     2012  
Deferred tax assets:                
Allowances for loan and ground rent losses   $ 340,866     $ 400,747  
Capital loss carry forward     195,263       223,325  
Depreciation     26,676       18,529  
Deferred compensation     12,722       2,523  
Foreclosed real estate write-downs     789       0  
Nonqualified stock-based compensation     1,453       0  
Net operating loss and charitable  contributions carry forward     332,767       343,677  
Valuation allowance     (772,055 )     (845,338 )
      138,481       143,463  
Deferred tax liabilities:                
Unrealized gains on investments     118,050       214,765  
Deferred loan fees and costs     28,781       33,763  
      146,831       248,528  
Net deferred tax asset (liability)   $ (8,350 )   $ (105,065 )

 

As of March 31, 2013, the Bank has a net operating loss carryforward totaling approximately $643,000, which will begin to expire during the year ending March 31, 2029. The Bank also has a capital loss carryforward of approximately $495,000 which expires during the year ending March 31, 2014.

 

Income tax returns for the years ended March 31, 2009 through the current year are subject to examination.
XML 99 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information (USD $)
 12 Months Ended
Mar. 31, 2013
Jun. 24, 2013
Sep. 30, 2012
Document Information [Line Items]      
Document Type 10-K    
Amendment Flag false    
Document Period End Date Mar. 31, 2013    
Document Fiscal Year Focus 2013    
Document Fiscal Period Focus FY    
Trading Symbol MDSN    
Entity Registrant Name Madison Bancorp Inc    
Entity Central Index Key 0001492324    
Current Fiscal Year End Date --03-31    
Entity Well-Known Seasoned Issuer No    
Entity Current Reporting Status Yes    
Entity Voluntary Filers No    
Entity Filer Category Smaller Reporting Company    
Entity Common Stock Shares Outstanding   608,116  
Entity Public Float     $ 4,802,176
XML 100 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
Defined Contribution Benefit Plan
 12 Months Ended
Mar. 31, 2013
Compensation and Retirement Disclosure [Abstract]  
Defined Contribution Benefit Plan

Note 13. Defined Contribution Benefit Plan

 

The Bank maintains a SIMPLE IRA plan that covers substantially all employees where the Bank matches up to 3% of the employee contributions. The Bank’s contribution to the plan for the years ended March 31, 2013 and 2012 was $47,056 and $50,175, respectively.
XML 101 R61.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities Available-For-Sale Measured at Fair Value on Recurring Basis (Detail) (USD $)
Mar. 31, 2013
Mar. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value $ 56,282,175 $ 53,389,337
U.S. government agencies
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 15,121,778 2,001,765
Brokered certificates of deposit
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 8,479,275 6,880,029
Mortgage-backed securities (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 19,021,654 32,320,477
Collateralized mortgage obligations (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 13,659,468 12,187,066
Level 1
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 10,812,589 10,745,099
Level 1 | U.S. government agencies
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 1,024,845 0
Level 1 | Brokered certificates of deposit
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 8,479,275 6,880,029
Level 1 | Mortgage-backed securities (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 1,022,582 2,606,719
Level 1 | Collateralized mortgage obligations (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 285,887 1,258,351
Level 2
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 44,397,232 41,655,330
Level 2 | U.S. government agencies
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 14,096,933 2,001,765
Level 2 | Brokered certificates of deposit
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 0 0
Level 2 | Mortgage-backed securities (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 17,503,140 29,713,758
Level 2 | Collateralized mortgage obligations (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 12,797,159 9,939,807
Level 3
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 1,072,354 988,908
Level 3 | U.S. government agencies
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 0 0
Level 3 | Brokered certificates of deposit
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 0 0
Level 3 | Mortgage-backed securities (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value 495,932 0
Level 3 | Collateralized mortgage obligations (Agency)
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale security fair value $ 576,422 $ 988,908
XML 102 R60.htm IDEA: XBRL DOCUMENT v2.4.0.6
Borrowings - Additional Information (Detail) (USD $)
Mar. 31, 2013
Line of Credit Facility [Line Items]  
Federal Home Loan Bank borrowing facility, maximum borrowing capacity $ 30,300,000
Federal Home Loan Bank advances outstanding or borrowings 0
Two large financial institutions.
  
Line of Credit Facility [Line Items]  
Line of credit facility, maximum borrowing capacity 7,000,000
Line of credit facility, amount outstanding $ 0

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