Hamilton Bancorp Inactive 10-Q13 Nov 132014 Q2 Quarterly reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
Document and Entity Information	Sep. 30, 2013	Nov. 13, 2013
Document Information [Line Items]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q2	'
Trading Symbol	'HBK	'
Entity Registrant Name	'HAMILTON BANCORP, INC.	'
Entity Central Index Key	'0001551739	'
Current Fiscal Year End Date	'--03-31	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	3,703,000

Consolidated_Statements_of_Fin

Consolidated Statements of Financial Condition (USD $)	Sep. 30, 2013	Mar. 31, 2013
Assets	'	'
Cash and due from banks	$6,736,254	$3,468,481
Federal funds sold and Federal Home Loan Bank deposit	6,998,749	9,590,434
Interest-bearing deposits in other banks	13,821,665	20,909,829
Cash and cash equivalents	27,556,668	33,968,744
Investment securities available for sale	110,854,821	116,233,943
Federal Home Loan Bank stock, at cost	405,100	400,600
Loans held for sale	'	196,743
Loans, less allowance for loan losses of $2,658,510 and $2,071,224	151,593,127	159,120,418
Premises and equipment	2,320,779	2,460,832
Foreclosed real estate	1,758,972	755,659
Accrued interest receivable	836,440	861,412
Bank-owned life insurance	11,816,607	11,622,667
Deferred income taxes	2,003,365	854,922
Income taxes refundable	367,438	1,222,027
Goodwill and other intangible assets	2,854,765	2,876,765
Other assets	1,370,913	1,387,419
Total Assets	313,738,995	331,962,151
Liabilities	'	'
Noninterest-bearing deposits	16,391,063	11,546,214
Interest-bearing deposits	230,368,248	248,570,661
Total deposits	246,759,311	260,116,875
Advances by borrowers for taxes and insurance	397,078	769,000
Other liabilities	1,524,611	3,640,665
Total liabilities	248,681,000	264,526,540
Commitments and contingencies	'	'
Shareholders' Equity	'	'
Common stock, $.01 par value, 100,000,000 shares authorized. Issued: 3,703,000 shares at September 30, and March 31, 2013	37,030	37,030
Additional paid in capital	35,554,350	35,554,350
Retained earnings	33,779,052	34,261,764
Unearned ESOP shares	-2,814,280	-2,814,280
Accumulated other comprehensive income	-1,498,157	396,747
Total shareholders' equity	65,057,995	67,435,611
Total Liabilities and Shareholders' Equity	$313,738,995	$331,962,151

Consolidated_Statements_of_Fin1

Consolidated Statements of Financial Condition (Parenthetical) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Allowance for loan losses	$2,658,510	$2,071,224
Common stock, par value	$0.01	$0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, issued	3,703,000	3,703,000

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	3 Months Ended		6 Months Ended
Consolidated Statements of Operations (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest revenue	'	'	'	'
Loans, including fees	$2,089,194	$2,254,598	$4,239,422	$4,616,052
U.S. government agency securities	116,671	64,751	235,553	141,066
Mortgage-backed securities	394,356	380,244	788,693	814,144
Federal funds sold and other bank deposits	8,433	18,911	20,068	34,303
Total interest revenue	2,608,654	2,718,504	5,283,736	5,605,565
Interest expense	'	'	'	'
Deposits	485,532	729,924	1,033,490	1,515,864
Net interest income	2,123,122	1,988,580	4,250,246	4,089,701
Provision for loan losses	1,014,557	'	1,318,557	58,000
Net interest income after provision for loan losses	1,108,565	1,988,580	2,931,689	4,031,701
Noninterest revenue	'	'	'	'
Service charges	76,559	54,631	144,341	111,447
Gain on sale of investment securities	'	'	95,516	51,212
Gain on sale of loans held for sale	16,470	6,342	19,982	12,810
Earnings on bank-owned life insurance	96,994	74,600	193,940	148,190
Other	1,261	95,240	2,489	96,491
Total noninterest revenue	191,284	230,813	456,268	420,150
Noninterest expenses	'	'	'	'
Salaries	808,198	829,175	1,626,024	1,523,154
Employee benefits	315,923	267,735	609,355	539,805
Occupancy	266,136	221,097	485,519	432,921
Advertising	44,654	77,174	118,555	180,315
Furniture and equipment	70,743	76,078	155,356	151,703
Data processing	133,733	148,413	285,635	283,889
Professional services	194,735	70,941	410,364	126,894
Deposit insurance premiums	64,396	67,736	124,386	144,947
Foreclosed real estate expense and losses	23,140	40,841	40,595	73,299
Other operating	267,786	237,371	470,223	491,899
Total noninterest expenses	2,189,444	2,036,561	4,326,012	3,948,826
Income (loss) before income taxes	-889,595	182,832	-938,055	503,025
Income tax (benefit) expense	-389,296	42,000	-455,343	139,000
Net (loss) income	($500,299)	$140,832	($482,712)	$364,025
Basic earnings (loss) per common share	($0.15)	'	($0.14)	'
Diluted earnings (loss) per common share	($0.15)	'	($0.14)	'

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	3 Months Ended		6 Months Ended
Consolidated Statements of Comprehensive Income (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net (loss) income	($500,299)	$140,832	($482,712)	$364,025
Other comprehensive income:	'	'	'	'
Unrealized (loss) gain on investment securities available for sale	-235,663	158,882	-2,947,831	460,803
Reclassification adjustment for realized gain on investment securities available for sale included in net income	'	'	-95,516	-51,212
Total unrealized (loss) gain on investment securities available for sale	-235,663	158,882	-3,043,347	409,591
Income tax (benefit) expense relating to investment securities available for sale	-85,579	62,672	-1,148,443	161,564
Other comprehensive (loss) income	-150,084	96,210	-1,894,904	248,027
Total comprehensive (loss) income	($650,383)	$237,042	($2,377,616)	$612,052

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Shareholders' Equity (USD $)	Total	Common Stock	Additional Paid-In Capital	Retained Earnings	Unearned ESOP Shares	Other Comprehensive Income (Loss)
Balance at Mar. 31, 2012	$35,064,753	'	'	$34,433,899	'	$630,854
Net income	364,025	'	'	364,025	'	'
Unrealized gain (loss) on available for sale securities, net of tax effect of $161,564 in 2012 and $(1,148,443) in 2013	248,027	'	'	'	'	248,027
Balance at Sep. 30, 2012	35,676,805	'	'	34,797,924	'	878,881
Balance at Mar. 31, 2013	67,435,611	37,030	35,554,350	34,261,764	-2,814,280	396,747
Net income	-482,712	'	'	-482,712	'	'
Unrealized gain (loss) on available for sale securities, net of tax effect of $161,564 in 2012 and $(1,148,443) in 2013	-1,894,904	'	'	'	'	-1,894,904
Balance at Sep. 30, 2013	$65,057,995	$37,030	$35,554,350	$33,779,052	($2,814,280)	($1,498,157)

Consolidated_Statements_of_Cha1

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) (USD $)	3 Months Ended		6 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Unrealized gain (loss) on available for sale securities, tax effect	($85,579)	$62,672	($1,148,443)	$161,564

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	6 Months Ended
Consolidated Statements of Cash Flows (USD $)	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities	'	'
Interest received	$5,665,370	$6,280,552
Fees and commissions received	146,829	207,938
Interest paid	-1,043,364	-1,550,371
Cash paid to suppliers and employees	-4,184,197	-3,945,247
Origination of loans held for sale	-1,400,000	-1,782,000
Proceeds from sale of loans held for sale	1,616,725	1,794,810
Income taxes received (paid)	1,309,933	-786,501
Net cash provided by operating activities	2,111,296	219,181
Cash flows from investing activities	'	'
Proceeds from maturities of certificates of deposit	'	248,000
Proceeds from sale of securities available for sale	3,608,148	4,129,198
Proceeds from maturing and called securities available for sale, including principal pay downs	13,165,583	32,246,029
Purchase of investment securities available for sale	-16,746,315	-39,381,716
Purchase of Federal Home Loan Bank stock	-4,500	21,100
Loans made, net of principal repayments	5,205,097	9,889,888
Purchase of premises and equipment	-30,899	-191,564
Net cash provided by investing activities	5,197,114	6,960,935
Cash flows from financing activities	'	'
Net increase (decrease) in Deposits	-13,348,564	50,498,406
Advances by borrowers for taxes and insurance	-371,922	-459,236
Net cash provided (used) by financing activities	-13,720,486	50,039,170
Net increase (decrease) in cash and cash equivalents	-6,412,076	57,219,286
Cash and cash equivalents at beginning of period	33,968,744	35,249,548
Cash and cash equivalents at end of period	27,556,668	92,468,834
Reconciliation of net income (loss) to net cash provided by operating activities	'	'
Net income (loss)	-482,713	364,025
Adjustments to reconcile net income (loss) to net cash provided by operating activities:	'	'
Amortization of premiums on securities	356,338	605,582
Gain on sale of investment securities	-95,516	-51,212
Loan premium amortization	11,500	11,500
Deposit premium amortization	-9,000	-30,000
Core deposit intangible asset amortization	22,000	27,500
Premises and equipment depreciation and amortization	170,952	174,872
Provision for loan losses	1,318,557	58,000
Decrease (increase) in	'	'
Accrued interest receivable	24,972	50,426
Loans held for sale	196,743	'
Cash surrender value of life insurance	-193,940	-148,190
Income taxes refundable	854,589	'
Other assets	16,507	-360,538
Increase (decrease) in	'	'
Accrued interest payable	-874	-4,507
Income taxes payable	'	-647,500
Deferred loan origination fees	-11,176	7,479
Other liabilities	-67,643	161,744
Net cash provided by operating activities	2,111,296	219,181
Noncash investing activity	'	'
Real estate acquired through foreclosure	$1,003,313	$427,988

Nature_of_Operations_and_Summa

Nature of Operations and Summary of Significant Accounting Policies	6 Months Ended
	Sep. 30, 2013
Nature of Operations and Summary of Significant Accounting Policies	'
	Note 1: Nature of Operations and Summary of Significant Accounting Policies
	Basis of Presentation
	Hamilton Bancorp, Inc. (the “Company”) was incorporated on June 7, 2012 to serve as the stock holding company for Hamilton Bank (the “Bank”), a federally chartered savings bank. On October 10, 2012, 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 3,703,000 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of approximately $35,580,000, net of offering expenses of approximately $1,450,000. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (the “ESOP”) which subscribed for 8.0% of shares sold in the offering, or 296,240 shares. Accordingly, the reported results for the six months ended September 30, 2013 relate to the consolidated holding company and the results for the six months ended September 30, 2012 relate solely to the operations of the Bank.
	In accordance with Office of the Comptroller of the Currency (the “OCC”) regulations, upon the 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.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial reporting and with instructions for Form 10–Q and Regulation S–X as promulgated by the Securities and Exchange Commission (the “SEC”). Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations. In the opinion of management, the preceding unaudited consolidated financial statements contain all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial condition and results of operations for the periods presented. We derived the balances as of March 31, 2013 from audited financial statements. Operating results for the six months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the fiscal year ending March 31, 2014, or any other period. For further information, refer to the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended March 31, 2013. Certain amounts from prior period financial statements have been reclassified to conform to the current period’s presentation.
	Nature of Operations
	The Company’s assets consist of its investment in the Bank and its liquid investments. The Company is primarily engaged in the business of directing, planning, and coordinating the business activities of the Bank. The Company’s most significant asset is its investment in the Bank. The Bank offers a full range of banking services to individuals and businesses through its main office and four branches in the Baltimore metropolitan area. Its primary deposit products are certificates of deposit and demand, savings, NOW, and money market accounts. Its primary lending products are real estate mortgages and commercial business loans.

	The Bank closed its Belmar branch on August 2, 2013. Customer accounts at the Belmar branch were transferred to the Baltimore City branch on Harford Road. There has been no significant runoff of Belmar branch accounts since the branch closing.
	Principles of Consolidation
	The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Hamilton Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
	Use of Estimates
	The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and the accompanying notes. Actual results could differ significantly from those estimates.
	Subsequent Events
	Management has evaluated events and transactions subsequent to September 30, 2013 through November 8, 2013, the date these financial statements were issued. No significant subsequent events were identified that would affect the presentation of the financial statements.

New_Accounting_Pronouncements

New Accounting Pronouncements	6 Months Ended
New Accounting Pronouncements	Sep. 30, 2013
New Accounting Pronouncements	'
	Note 2: New Accounting Pronouncements
	Recent Accounting Pronouncements
	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 and 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 2011-11 is effective for annual and interim periods beginning on April 1, 2013, and is not expected to 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 April 1, 2013, and did not have a significant impact on our financial statements.
	ASU 2013-02, Comprehensive Income (Topic 220) – Reporting of Amounts 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 April 1, 2013, and did not have a significant impact on our financial statements.

Earnings_per_Share

Earnings per Share	6 Months Ended
	Sep. 30, 2013
Earnings per Share	'
	Note 3: Earnings per Share
	When presented, basic earnings per share is 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 reflects 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. Because the mutual to stock conversion was not completed until October 10, 2012, per share earnings data is not meaningful for prior comparative periods and therefore is not presented.
	Both the basic and diluted earnings per share for the three and six months ended September 30, 2013 are summarized below:


		Three Months ended			Six Months ended
		September 30, 2013			September 30, 2013
	Net loss	$	(500,299	)	$	(482,712	)
	Average common shares outstanding		3,421,572			3,421,572
	Loss per common share—basic and diluted	$	(0.15	)	$	(0.14	)

Goodwill_and_Other_Intangible_

Goodwill and Other Intangible Assets	6 Months Ended
Goodwill and Other Intangible Assets	Sep. 30, 2013
Goodwill and Other Intangible Assets	'
	Note 4: Goodwill and Other Intangible Assets
	On December 4, 2009, the Bank acquired a branch office in Pasadena, Maryland from K Bank. The Bank paid premiums of $653,000 and $92,000 for the certificates of deposit and loans that were acquired, respectively. The premiums are being amortized over four years, which is the estimated lives of the certificates and loans. The Bank also purchased $757,432 of premises and equipment, which includes the building, land, and equipment. In addition, the Bank recorded goodwill totaling $2,664,432 and identifiable intangibles (core deposit intangible) totaling $434,000, which is being amortized over 10 years. The goodwill is deductible for tax purposes. We evaluate goodwill and other intangible assets for impairment on an annual basis.
	The activity in goodwill and acquired intangible assets related to the branch purchase is as follows:


		Goodwill		Core deposit
		Goodwill		intangible
	Balance March 31, 2012	$	2,664,432	$	263,666
	Acquired during the period		—		—
	Amortization		—		(27,500	)

	Balance September 30, 2012	$	2,664,432	$	236,166


		Goodwill		Core deposit
		Goodwill		intangible
	Balance March 31, 2013	$	2,664,432	$	212,333
	Acquired during the period		—		—
	Amortization		—		(22,000	)

	Balance September 30, 2013	$	2,664,432	$	190,333

	At September 30, 2013, future estimated annual amortization associated with the core deposit intangible is as follows:


	Year ending September 30,	Amount
	2014		36,500
	2015		30,000
	2016		28,167
	2017		28,000
	2018		28,000
	2019		28,000
	2020		11,666

		$	190,333

Investment_Securities_Availabl

Investment Securities Available for Sale	6 Months Ended
Investment Securities Available for Sale	Sep. 30, 2013
Investment Securities Available for Sale	'
	Note 5: Investment Securities Available for Sale
	The amortized cost and fair value of securities at September 30, 2013 and March 31, 2013, are summarized as follows:


				Gross		Gross
		Amortized		unrealized		unrealized		Fair
	September 30, 2013	cost		gains		losses		value
	U.S. government agency	$	25,055,869	$	36,762	$	1,317,608	$	23,775,023
	Mortgage-backed		88,179,774		603,034		1,712,459		87,070,349

			113,235,643		639,796		3,030,067		110,845,372
	FHLMC stock		6,681		2,768		—		9,449

		$	113,242,324	$	642,564	$	3,030,067	$	110,854,821

	31-Mar-13
	U.S. government agency	$	27,075,038	$	66,149	$	111,939	$	27,029,248
	Mortgage-backed		88,496,379		1,015,105		311,549		89,199,935

			115,571,417		1,081,254		423,488		116,229,183
	FHLMC stock		6,681		—		1,921		4,760

		$	115,578,098	$	1,081,254	$	425,409	$	116,233,943

	Proceeds from sales of investment securities were $3,608,148 and $4,129,198 during the six months ended September 30, 2013 and 2012, respectively, with gains of $95,516 and no losses for the six months ended September 30, 2013 and gains of $51,212 and no losses for the six months ended September 30, 2012.
	As of September 30, 2013, the Company had pledged one security to the Federal Reserve Bank with a book value of $2,000,000 and a fair value of $1,790,864.
	As of September 30, 2013 and March 31, 2013, all mortgage-backed securities are backed by U.S. Government- Sponsored Enterprises (GSE’s).

	The amortized cost and estimated fair value of debt securities by contractual maturity at September 30, 2013 and March 31, 2013 follow. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations.


		Available for Sale
		September 30, 2013				March 31, 2013
		Amortized		Fair		Amortized		Fair
		cost		value		cost		value
	Maturing
	Within one year	$	499,983	$	505,183	$	1,505,451	$	1,520,815
	Over one to five years		5,557,678		5,583,949		6,575,873		6,620,671
	Over five to ten years		12,000,000		11,188,521		11,999,256		11,938,889
	Over ten years		6,998,208		6,497,370		6,994,458		6,948,873
	Mortgage-backed, in monthly installments		88,179,774		87,070,349		88,496,379		89,199,935

		$	113,235,643	$	110,845,372	$	115,571,417	$	116,229,183

	The following table presents the Company’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 September 30, 2013 and March 31, 2013.


		Less than 12 months				12 months or longer				Total
		Unrealized		Fair		Unrealized		Fair		Unrealized		Fair
	September 30, 2013	losses		value		losses		value		losses		value
	U.S. government agency obligations	$	1,317,608	$	21,680,601	$	—	$	—	$	1,317,608	$	21,680,601
	Mortgage-backed		1,444,808		47,599,240		267,651		9,795,192		1,712,459		57,394,432
	FHLMC stock		—		—		—		—		—		—

		$	2,762,416	$	69,279,841	$	267,651	$	9,795,192	$	3,030,067	$	79,075,033

	31-Mar-13
	U.S. government agency obligations	$	111,939	$	18,881,775	$	—	$	—	$	111,939	$	18,881,775
	Mortgage-backed		298,271		35,541,939		13,278		3,373,491		311,549		38,915,430
	FHLMC stock		—		—		1,921		4,760		1,921		4,760

		$	410,210	$	54,423,714	$	15,199	$	3,378,251	$	425,409	$	57,801,965

The gross unrealized losses on debt securities 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 value. In most cases, temporary impairment is caused by market interest rate fluctuations.

Loans_Receivable_and_Allowance

Loans Receivable and Allowance for Loan Losses	6 Months Ended
Loans Receivable and Allowance for Loan Losses	Sep. 30, 2013
Loans Receivable and Allowance for Loan Losses	'
	Note 6: Loans Receivable and Allowance for Loan Losses
	Loans receivable consist of the following at September 30, 2013 and March 31, 2013:


			September 30,				March 31,
			2013				2013
	Real estate loans
	One-to four-family
	Residential		$	59,926,687			$	63,912,507
	Investor (1)			14,825,920				15,825,857
	Commercial			39,480,354				36,238,661
	Construction			4,573,277				3,508,125

				118,806,238				119,485,150
	Commercial			21,839,145				26,936,644
	Home equity loans			12,511,663				13,727,266
	Consumer			1,175,103				1,122,770

	Total Loans			154,332,149				161,271,830
	Premium on loans purchased			3,834				15,334
	Net deferred loan origination fees and costs			(84,346	)			(95,522	)
	Allowance for loan losses			(2,658,510	)			(2,071,224	)

			$	151,593,127			$	159,120,418


	-1	“Investor” loans are residential mortgage loans secured by non-owner occupied one- to four-family properties
	Residential lending is generally considered to involve less risk than other forms of lending, although payment experience on these loans is dependent on economic and market conditions in the Bank’s lending area. Construction loan repayments are generally dependent on the related properties or the financial condition of its borrower or guarantor. Accordingly, repayment of such loans can be more susceptible to adverse conditions in the real estate market and the regional economy.
	A substantial portion of the Bank’s loan portfolio is mortgage loans secured by residential and commercial real estate properties located in the Baltimore metropolitan area. Loans are extended only after evaluation of a customer’s creditworthiness and other relevant factors on a case-by-case basis. The Bank generally does not lend more than 90% of the appraised value of a property and requires private mortgage insurance on residential mortgages with loan-to-value ratios in excess of 80%. In addition, the Bank generally obtains personal guarantees of repayment from borrowers and/or others for construction loans and disburses the proceeds of those and similar loans only as work progresses on the related projects.

	The following tables present for the six months ended September 30, 2013 and 2012 and for the year ended March 31, 2013, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is 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.


																				Allowance						Loan Balance
																				Individually			Collectively			Individually			Collectively
																				evaluated			evaluated			evaluated			evaluated
	Six months ended:		Allowance				Provision for				Charge						Allowance			for			for			for			for
	September 30, 2013		3/31/13				loan losses				offs			Recoveries			9/30/13			impairment			impairment			impairment			impairment
	Real estate loans
	One-to four-family		$	372,390			$	172,776			$	64,206		$	24,280		$	505,240		$	63,642		$	441,598		$	1,923,343		$	72,829,264
	Commercial			613,047				43,004				—			—			656,051			—			656,051			4,768,676			34,711,678
	Construction			417,311				(84,222	)			—			—			333,089			249,587			83,502			2,541,587			2,031,690
	Commercial			635,840				1,188,174				707,739			15,925			1,132,200			—			1,132,200			4,052,401			17,786,744
	Home equity loans			31,484				(2,649	)			—			—			28,835			—			28,835			57,024			12,454,639
	Consumer			1,152				1,474				—			469			3,095			—			3,095			—			1,175,103
	Unallocated			—				—				—			—			—			—			—			—			—

			$	2,071,224			$	1,318,557			$	771,945		$	40,674		$	2,658,510		$	313,229		$	2,345,281		$	13,343,031		$	140,989,118


																				Allowance						Loan Balance
																				Individually			Collectively			Individually			Collectively
																				evaluated			evaluated			evaluated			evaluated
	Six months ended:		Allowance				Provision for				Charge						Allowance			for			for			for			for
	September 30, 2012		3/31/12				loan losses				offs			Recoveries			9/30/12			impairment			impairment			impairment			impairment
	Real estate loans
	One-to four-family		$	342,905			$	32,576			$	76,546		$	—		$	298,935		$	78,627		$	220,308		$	1,314,702		$	86,245,874
	Commercial			879,698				105,745				488,772			—			496,671			—			496,671			1,641,343			26,515,012
	Construction			1,047,658				(296,969	)			337,076			—			413,613			413,613			—			3,439,427			—
	Commercial			1,231,723				216,835				873,423			—			575,135			—			575,135			780,204			24,923,431
	Home equity loans			41,829				1,325				5,330			—			37,824			—			37,824			24,521			15,399,723
	Consumer			270				6,769				6,885			—			154			—			154			—			1,128,507
	Unallocated			8,281				(8,281	)			—			—			—			—			—			—			—

		$	3,552,364			$	58,000			$	1,788,032		$	—		$	1,822,332		$	492,240		$	1,330,092		$	7,200,197		$	154,212,547


																			Allowance						Loan Balance
																			Individually			Collectively			Individually			Collectively
																			evaluated			evaluated			evaluated			evaluated
Year ended		Allowance				Provision for				Charge						Allowance			for			for			for			for
March 31, 2013		3/31/12				loan losses				offs			Recoveries			3/31/13			impairment			impairment			impairment			impairment
Real estate loans
One-to four-family		$	342,905			$	284,263			$	254,778		$	—		$	372,390		$	66,504		$	305,886		$	1,795,014		$	77,943,350
Commercial			879,698				434,621				701,272			—			613,047			—			613,047			4,806,293			31,432,368
Construction			1,047,658				(293,270	)			337,077			—			417,311			417,311			—			3,508,125			—
Commercial			1,231,723				1,308,430				1,904,313			—			635,840			24,770			611,070			2,993,490			23,943,154
Home equity loans			41,829				(5,015	)			5,330			—			31,484			—			31,484			21,874			13,705,392
Consumer			270				9,227				8,345			—			1,152			—			1,152			—			1,122,770
Unallocated			8,281				(8,281	)			—			—			—			—			—			—			—

		$	3,552,364			$	1,729,975			$	3,211,115		$	—		$	2,071,224		$	508,585		$	1,562,639		$	13,124,796		$	148,147,034


Past due loans, segregated by age and class of loans, as of September 30, 2013 and March 31, 2013, were as follows. There were no loans ninety days or more past due and accruing interest at March 31, 2013.


										Loans												Accruing						Nonaccrual
		Loans				Loans				90 or more												loans 90 or						interest
		30-59 days				60-89 days				days			Total past			Current						more days			Nonaccrual			not
September 30, 2013		past due				past due				past due			due loans			loans			Totals loans			past due			loans			accrued
Real estate loans
One-to four-family		$	507,124			$	95,269			$	538,483		$	1,140,876		$	73,611,731		$	74,752,607		$	—		$	538,483		$	54,089
Commercial			303,400				—				1,385,566			1,688,966			37,791,388			39,480,354			—			1,385,566			216,007
Construction			—				—				—			—			4,573,277			4,573,277			—			—			—
Commercial			1,581,386				—				1,673,197			3,254,583			18,584,562			21,839,145			675,000			2,311,322			49,202
Home equity loans			58,064				18,120				36,891			113,075			12,398,588			12,511,663			—			36,891			2,405
Consumer			356				—				—			356			1,174,747			1,175,103			—			—			—

		$	2,450,330			$	113,389			$	3,634,137		$	6,197,856		$	148,134,293		$	154,332,149		$	675,000		$	4,272,262		$	321,703


										Loans												Accruing						Nonaccrual
		Loans				Loans				90 or more												loans 90 or						interest
		30-59 days				60-89 days				days			Total past			Current						more days			Nonaccrual			not
March 31, 2013		past due				past due				past due			due loans			loans			Totals loans			past due			loans			accrued
Real estate loans
One-to four-family		$	756,123			$	179,316			$	1,371,429		$	2,306,868		$	77,431,496		$	79,738,364		$	—		$	1,377,827		$	159,594
Commercial			—				—				1,406,421			1,406,421			34,832,240			36,238,661			—			1,406,421			167,519
Construction			—				—				1,003,314			1,003,314			2,504,811			3,508,125			—			1,003,314			111,950
Commercial			1,865,563				—				319,167			2,184,730			24,751,914			26,936,644			—			1,307,290			21,643
Home equity loans			63,106				—				36,891			99,997			13,627,269			13,727,266			—			36,891			1,302
Consumer			—				—				—			—			1,122,770			1,122,770			—			—			—

		$	2,684,792			$	179,316			$	4,137,222		$	7,001,330		$	154,270,500		$	161,271,830		$	—		$	5,131,743		$	462,008

Impaired Loans as of and for the six months ended September 30, 2013 and the year ended March 31, 2013 were as follows:


		Unpaid				Recorded				Recorded
		contractual				investment				investment			Total						Average
		principal				with no				with			recorded			Related			recorded			Interest
September 30, 2013		balance				allowance				allowance			investment			allowance			investment			recognized
Real estate loans
One-to four-family		$	2,147,771			$	1,225,522			$	892,035		$	2,117,557		$	63,642		$	2,173,788		$	41,198
Commercial			5,481,779				4,768,676				—			4,768,676			—			4,782,550			150,934
Construction			2,541,587				—				2,541,587			2,541,587			249,587			2,541,587			87,283
Commercial			5,358,709				4,052,401				—			4,052,401			—			4,706,664			122,156
Home equity loans			57,649				57,024				—			57,024			—			57,824			306
Consumer			—				—				—			—			—			—			—

		$	15,587,495			$	10,103,623			$	3,433,622		$	13,537,245		$	313,229		$	14,262,413		$	401,877


		Unpaid				Recorded				Recorded
		contractual				investment				investment			Total						Average
		principal				with no				with			recorded			Related			recorded			Interest
March 31, 2013		balance				allowance				allowance			investment			allowance			investment			recognized
Real estate loans
One-to four-family		$	2,766,726			$	1,373,947			$	900,717		$	2,274,664		$	66,504		$	2,476,899		$	78,717
Commercial			5,498,540				4,806,293				—			4,806,293			—			5,045,501			237,838
Construction			3,853,728				1,003,314				2,504,811			3,508,125			417,311			3,462,305			168,173
Commercial			3,586,694				2,783,250				210,240			2,993,490			24,770			3,231,026			124,040
Home equity loans			22,554				21,874				—			21,874			—			24,166			425
Consumer			—				—				—			—			—			—			—

		$	15,728,242			$	9,988,678			$	3,615,768		$	13,604,446		$	508,585		$	14,239,897		$	609,193


Credit Quality Indicators
As part of the ongoing monitoring of the credit quality of the Bank’s loan portfolio, management tracks certain credit quality indicators including trends related to the risk grade of loans, the level of classified loans, net charge offs, nonperforming loans, and the general economic conditions in the Bank’s market.
The Bank utilizes a risk grading matrix to assign a risk grade to each of its loans. A description of the general characteristics of loans characterized as watch list or classified is as follows:
Special Mention
A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Bank’s credit position at some future date. Special mention loans are not adversely classified and do not expose the Bank to sufficient risk to warrant adverse classification.
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.
Borrowers may exhibit poor liquidity and leverage positions resulting from generally negative cash flow or negative trends in earnings. Access to alternative financing may be limited to finance companies for business borrowers and may be unavailable for commercial real estate borrowers.
Substandard
A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well defined weakness, or weaknesses, that jeopardize the collection or liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. This will be the measurement for determining if a loan is impaired.
Borrowers may exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. These loans require more intense supervision by Bank management.
Foreclosed real estate will be treated as a classifiable asset. Generally, foreclosed real estate will be classified as substandard, except if the property is subject to an agreement of sale or if the asset is generating sufficient income. An appraisal may be performed on the asset to estimate its value. When the property is transferred to foreclosed real estate, a sufficient amount will be charged off against the allowance for loan losses in order to account for the property at its fair value.
Doubtful
A doubtful loan has all the weaknesses inherent as a substandard loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly 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.

The following tables present the September 30, 2013 and March 31, 2013, balances of classified loans based on the risk grade. Classified loans include Special Mention, Substandard, and Doubtful loans.


		Special
September 30, 2013		mention				Substandard				Doubtful			Total
Real estate loans
One-to four-family		$	1,927,032			$	627,533			$	—		$	2,554,565
Commercial			—				4,768,676				—			4,768,676
Construction			—				2,541,587				—			2,541,587
Commercial			7,294,802				4,052,401				—			11,347,203
Home equity loans			38,252				36,891				—			75,143
Consumer			—				—				—			—

		$	9,260,086			$	12,027,088			$	—		$	21,287,174


		Special
March 31, 2013		mention				Substandard				Doubtful			Total
Real estate loans
One-to four-family		$	1,767,930			$	1,371,429			$	—		$	3,139,359
Commercial			—				4,806,293				—			4,806,293
Construction			—				3,508,125				—			3,508,125
Commercial			1,220,111				2,993,490				—			4,213,601
Home equity loans			51,659				36,891				—			88,550
Consumer			—				—				—			—

		$	3,039,700			$	12,716,228			$	—		$	15,755,928

Classified loans also include certain loans that have been modified in troubled debt restructurings (TDRs) where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Bank’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Generally, TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months. TDRs are also classified as nonperforming if they are on nonaccrual or become greater than 30 days past due.

A summary of TDRs at September 30, 2013 and March 31, 2013 follows:


		Number of
September 30, 2013		contracts				Performing				Nonperforming			Total
Real estate loans
One-to four-family			5			$	1,362,250			$	134,198		$	1,496,448
Commercial			—				—				—			—
Construction			—				—				—			—
Commercial			3				—				1,016,142			1,016,142
Home equity loans			1				20,132				—			20,132
Consumer			—				—				—			—

			9			$	1,382,382			$	1,150,340		$	2,532,722


		Number of
March 31, 2013		contracts				Performing				Nonperforming			Total
Real estate loans
One-to four-family			4			$	1,436,343			$	6,630		$	1,442,973
Commercial			—				—				—			—
Construction			—				—				—			—
Commercial			3				—				1,177,788			1,177,788
Home equity loans			1				21,874				—			21,874
Consumer			—				—				—			—

			8			$	1,458,217			$	1,184,418		$	2,642,635

The following table presents the number of contracts and the dollar amount of TDR’s that were added during the six month period ended September 30, 2013. The amount shown reflects the outstanding loan balance at the time of the modification.


		Number of				Outstanding recorded
Six months ended September 30, 2013		contracts				investment
Real estate loans
One-to four-family			1			$	72,104
Commercial			—				—
Construction			—				—
Commercial			—				—
Home equity loans			—				—
Consumer			—				—

			1			$	72,104


The following table represents loans that were modified as TDRs within the previous 12 months and have subsequently defaulted in the six months ended September 30, 2013 and 2012. Payment default under a TDR is defined as any TDR that is 90 days or more past due since the loan was modified.


		Six months ended September 30,
		2013								2012
		Number of				Recorded				Number of			Recorded
TDR Loan Type		Contracts				Investment				Contracts			Investment
Commercial			1			$	216,667				0		$	—
The recorded investment of the commercial TDR loan as of September 30, 2013 reflects a partial charge-off of $47,060 during the quarter ended March 31, 2013 and a subsequent payment of $102,500 from the auction of repossessed equipment. There is additional collateral that the bank has yet to collect upon. Management does not expect to incur any additional losses on this particular loan.
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.
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 the following outstanding commitments and unused lines of credit as of September 30, 2013 and March 31, 2013:


		September 30,				March 31,
		2013				2013
Unused commercial lines of credit		$	7,027,829			$	8,161,901
Unused home equity lines of credit			17,328,701				17,346,101
Mortgage loan commitments			—				837,000
Home equity loan commitments			49,000				132,500
Construction loan commitments			65,037				240,875
Commercial loan commitments			2,037,500				7,710,000

Regulatory_Capital_Ratios

Regulatory Capital Ratios	6 Months Ended
Regulatory Capital Ratios	Sep. 30, 2013
Regulatory Capital Ratios	'
	Note 7: Regulatory Capital Ratios
	The Office of the Comptroller of the Currency has adopted risk-based capital standards for banking organizations. These standards require ratios of capital to assets for minimum capital adequacy and to be classified as well capitalized under prompt corrective action provisions. The capital ratios and minimum capital requirements of the Bank at September 30, 2013 and March 31, 2013 were as follows:


								Minimum					To be well
			Actual					capital requirement					capitalized (1)
			Amount		Ratio			Amount		Ratio			Amount		Ratio
			(dollars in thousands)
	September 30, 2013
	Total risk-based capital (to risk-weighted assets)		$	46,546		27.34	%	$	13,618		8	%	$	17,022		10	%
	Tier 1 capital (to risk-weighted assets)			44,412		26.09	%		6,809		4	%		10,213		6	%
	Tier 1 capital (to adjusted total assets)			44,412		14.69	%		12,095		4	%		15,119		5	%
	March 31, 2013
	Total risk-based capital (to risk-weighted assets)		$	46,956		26.7	%	$	14,068		8	%	$	17,586		10	%
	Tier 1 capital (to risk-weighted assets)			44,885		25.52	%		7,034		4	%		10,551		6	%
	Tier 1 capital (to adjusted total assets)			44,885		14.13	%		12,707		4	%		15,884		5	%

	-1	– Under prompt corrective action provisions
	Tier 1 capital consists of total shareholders’ equity less goodwill and intangible assets. Total capital includes a limited amount of the allowance for loan losses and a portion of any unrealized gain on equity securities. In calculating risk-weighted assets, specified risk percentages are applied to each category of asset and off-balance-sheet items.
	Failure to meet the capital requirements could affect, among other things, the Bank’s ability to accept brokered deposits and may significantly affect the operations of the Bank.
	In its regulatory report filed as of September 30, 2013, the Bank exceeded all regulatory capital requirements and was considered “well capitalized” under regulatory guidelines. Management is not aware of any events that would have caused this classification to change. Management has no plans that should change the classification of the capital adequacy.

Fair_Value_Measurements

Fair Value Measurements	6 Months Ended
Fair Value Measurements	Sep. 30, 2013
Fair Value Measurements	'
	Note 8: Fair Value Measurements
	Generally accepted accounting principles define fair value, establish a framework for measuring fair value, and establish a hierarchy for determining fair value measurement. The hierarchy includes three levels and is based upon the valuation techniques used to measure assets and liabilities. The three levels are as follows:
	Level 1: Valuation is based on quoted prices (unadjusted) for identical assets or liabilities in active markets;
	Level 2: Valuation is determined from quoted prices for similar assets and 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; and

	Level 3: Valuation is derived from model-based techniques in which at least one significant input is unobservable and based on the Company’s own estimates about the assumptions that market participants would use to value the asset or liability.
	The following is a description of the valuation methods used for instruments measured at fair value as well as the general classification of such instruments pursuant to the applicable valuation method.
	Fair value measurements on a recurring basis
	Securities available for sale – If quoted prices are available in an active market for identical assets, securities are classified within Level 1 of the hierarchy. If quoted market prices are not available, then fair values are estimated using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. As of September 30, 2013 and March 31, 2013, the Bank has categorized its investment securities available for sale as follows:


			Level 1			Level 2			Level 3
			inputs			inputs			inputs			Total
	September 30, 2013
	U.S. government agency		$	—		$	23,775,023		$	—		$	23,775,023
	Mortgage-backed			—			87,070,349			—			87,070,349
	FHLMC stock			9,449			—			—			9,449

	Total investment securities available for sale		$	9,449		$	110,845,372		$	—		$	110,854,821

	March 31, 2013
	U.S. government agency		$	—		$	27,029,248		$	—		$	27,029,248
	Mortgage-backed			—			89,199,935			—			89,199,935
	FHLMC stock			4,760			—			—			4,760

	Total investment securities available for sale		$	4,760		$	116,229,183		$	—		$	116,233,943

	Fair value measurements on a nonrecurring basis
	Impaired Loans—The Bank has measured impairment generally based on the fair value of the loan’s 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. As of September 30, 2013 and March 31, 2013, the fair values consist of loan balances of $13,537,245 and $13,604,446 that have been written down by $313,229 and $508,585, respectively, as a result of specific loan loss allowances.
	Foreclosed real estate – The Bank’s foreclosed real estate is measured at fair value less estimated cost to sell. As of September 30, 2013 and March 31, 2013, the fair value of foreclosed real estate was estimated to be $1,758,972 and $755,659, respectively. 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 assets as Level 3.


			Level 1			Level 2			Level 3
			inputs			inputs			inputs			Total
	September 30, 2013
	Impaired loans		$	—		$	—		$	13,224,016		$	13,224,016
	Foreclosed real estate			—			—			1,758,972			1,758,972

	Total impaired loans and foreclosed real estate		$	—		$	—		$	14,982,988		$	14,982,988

	March 31, 2013
	Impaired loans		$	—		$	—		$	13,095,861		$	13,095,861
	Foreclosed real estate			—			—			755,659			755,659

	Total impaired loans and foreclosed real estate		$	—		$	—		$	13,851,520		$	13,851,520

	The following table reconciles the beginning and ending balance of foreclosed real estate, which is measured on a nonrecurring basis using significant unobservable, level 3, inputs:


	Balance, March 31, 2013		$	755,659
	Transfer to foreclosed real estate			1,003,313
	Proceeds from sale of foreclosed real estate			—
	Loss on sale of foreclosed real estate			—

	Balance, September 30, 2013		$	1,758,972

	The remaining financial assets and liabilities are not reported on the balance sheets at fair value on a recurring basis. The calculation of estimated fair values is based on market conditions at a specific point in time and may not reflect current or future fair values.


			September 30, 2013						March 31, 2013
			Carrying			Fair			Carrying			Fair
			amount			value			amount			value
	Financial assets
Level 1 inputs
Cash and cash equivalents		$	27,556,668		$	27,556,668		$	33,968,744		$	33,968,744
Level 2 inputs
Loans held for sale			—			—			196,743			203,416
Federal Home Loan Bank stock			405,100			405,100			400,600			400,600
Bank-owned life insurance			11,816,607			11,816,607			11,622,667			11,622,667
Level 3 inputs
Loans receivable, net			151,593,127			153,903,639			159,120,418			162,443,898
Financial liabilities
Level 1 inputs
Advance payments by borrowers for taxes and insurance			397,078			397,078			769,000			769,000
Level 3 inputs
Deposits			246,759,311			246,214,291			260,116,875			261,490,896

The fair values of cash and cash equivalents, certificates of deposit in other banks, and advance payment by borrowers for taxes and insurance are estimated to equal the carrying amount. These are Level 1 inputs.
The fair values of Federal Home Loan Bank stock and bank-owned life insurance are estimated to equal carrying amounts, which are based on repurchase prices of the FHLB stock and the insurance company. These are Level 2 inputs.
The fair value of fixed-rate loans is estimated to be the present value of scheduled payments discounted using interest rates currently in effect. The fair value of variable-rate loans, including loans with a demand feature, is estimated to equal the carrying amount. The valuation of loans is adjusted for estimated loan losses.
The fair value of interest-bearing checking, savings, and money market deposit accounts is equal to the carrying amount. The fair value of fixed-maturity time deposits is estimated based on interest rates currently offered for deposits of similar remaining maturities.
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.

Nature_of_Operations_and_Summa1

Nature of Operations and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Sep. 30, 2013
Basis of Presentation	'
	Basis of Presentation
	Hamilton Bancorp, Inc. (the “Company”) was incorporated on June 7, 2012 to serve as the stock holding company for Hamilton Bank (the “Bank”), a federally chartered savings bank. On October 10, 2012, 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 3,703,000 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of approximately $35,580,000, net of offering expenses of approximately $1,450,000. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (the “ESOP”) which subscribed for 8.0% of shares sold in the offering, or 296,240 shares. Accordingly, the reported results for the six months ended September 30, 2013 relate to the consolidated holding company and the results for the six months ended September 30, 2012 relate solely to the operations of the Bank.
	In accordance with Office of the Comptroller of the Currency (the “OCC”) regulations, upon the 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.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial reporting and with instructions for Form 10–Q and Regulation S–X as promulgated by the Securities and Exchange Commission (the “SEC”). Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations. In the opinion of management, the preceding unaudited consolidated financial statements contain all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial condition and results of operations for the periods presented. We derived the balances as of March 31, 2013 from audited financial statements. Operating results for the six months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the fiscal year ending March 31, 2014, or any other period. For further information, refer to the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended March 31, 2013. Certain amounts from prior period financial statements have been reclassified to conform to the current period’s presentation.
Nature of Operations	'
	Nature of Operations
	The Company’s assets consist of its investment in the Bank and its liquid investments. The Company is primarily engaged in the business of directing, planning, and coordinating the business activities of the Bank. The Company’s most significant asset is its investment in the Bank. The Bank offers a full range of banking services to individuals and businesses through its main office and four branches in the Baltimore metropolitan area. Its primary deposit products are certificates of deposit and demand, savings, NOW, and money market accounts. Its primary lending products are real estate mortgages and commercial business loans.

	The Bank closed its Belmar branch on August 2, 2013. Customer accounts at the Belmar branch were transferred to the Baltimore City branch on Harford Road. There has been no significant runoff of Belmar branch accounts since the branch closing.
Principles of Consolidation	'
	Principles of Consolidation
	The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Hamilton Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
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 amounts reported in the financial statements and the accompanying notes. Actual results could differ significantly from those estimates.
Subsequent Events	'
	Subsequent Events
	Management has evaluated events and transactions subsequent to September 30, 2013 through November 8, 2013, the date these financial statements were issued. No significant subsequent events were identified that would affect the presentation of the financial statements.
Recent Accounting Pronouncements	'
	Recent Accounting Pronouncements
	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 and 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 2011-11 is effective for annual and interim periods beginning on April 1, 2013, and is not expected to 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 April 1, 2013, and did not have a significant impact on our financial statements.
	ASU 2013-02, Comprehensive Income (Topic 220) – Reporting of Amounts 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 April 1, 2013, and did not have a significant impact on our financial statements.

Earnings_per_Share_Tables

Earnings per Share (Tables)	6 Months Ended
	Sep. 30, 2013
Basic and Diluted Earnings Per Share	'
	Both the basic and diluted earnings per share for the three and six months ended September 30, 2013 are summarized below:


		Three Months ended			Six Months ended
		September 30, 2013			September 30, 2013
	Net loss	$	(500,299	)	$	(482,712	)
	Average common shares outstanding		3,421,572			3,421,572
	Loss per common share—basic and diluted	$	(0.15	)	$	(0.14	)

Goodwill_and_Other_Intangible_1

Goodwill and Other Intangible Assets (Tables)	6 Months Ended
Goodwill and Other Intangible Assets (Tables)	Sep. 30, 2013
Activity in Goodwill and Acquired Intangible Assets Related to Branch Purchase	'
	The activity in goodwill and acquired intangible assets related to the branch purchase is as follows:


		Goodwill		Core deposit
		Goodwill		intangible
	Balance March 31, 2012	$	2,664,432	$	263,666
	Acquired during the period		—		—
	Amortization		—		(27,500	)

	Balance September 30, 2012	$	2,664,432	$	236,166


		Goodwill		Core deposit
		Goodwill		intangible
	Balance March 31, 2013	$	2,664,432	$	212,333
	Acquired during the period		—		—
	Amortization		—		(22,000	)

	Balance September 30, 2013	$	2,664,432	$	190,333

Future Estimated Annual Amortization Associated With Core Deposit Intangible	'
	At September 30, 2013, future estimated annual amortization associated with the core deposit intangible is as follows:


	Year ending September 30,	Amount
	2014		36,500
	2015		30,000
	2016		28,167
	2017		28,000
	2018		28,000
	2019		28,000
	2020		11,666

		$	190,333

Investment_Securities_Availabl1

Investment Securities Available for Sale (Tables)	6 Months Ended
Investment Securities Available for Sale (Tables)	Sep. 30, 2013
Amortized Cost and Fair Value of Securities	'
	The amortized cost and fair value of securities at September 30, 2013 and March 31, 2013, are summarized as follows:


				Gross		Gross
		Amortized		unrealized		unrealized		Fair
	September 30, 2013	cost		gains		losses		value
	U.S. government agency	$	25,055,869	$	36,762	$	1,317,608	$	23,775,023
	Mortgage-backed		88,179,774		603,034		1,712,459		87,070,349

			113,235,643		639,796		3,030,067		110,845,372
	FHLMC stock		6,681		2,768		—		9,449

		$	113,242,324	$	642,564	$	3,030,067	$	110,854,821

	31-Mar-13
	U.S. government agency	$	27,075,038	$	66,149	$	111,939	$	27,029,248
	Mortgage-backed		88,496,379		1,015,105		311,549		89,199,935

			115,571,417		1,081,254		423,488		116,229,183
	FHLMC stock		6,681		—		1,921		4,760

		$	115,578,098	$	1,081,254	$	425,409	$	116,233,943

Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity	'
	The amortized cost and estimated fair value of debt securities by contractual maturity at September 30, 2013 and March 31, 2013 follow. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations.


		Available for Sale
		September 30, 2013				March 31, 2013
		Amortized		Fair		Amortized		Fair
		cost		value		cost		value
	Maturing
	Within one year	$	499,983	$	505,183	$	1,505,451	$	1,520,815
	Over one to five years		5,557,678		5,583,949		6,575,873		6,620,671
	Over five to ten years		12,000,000		11,188,521		11,999,256		11,938,889
	Over ten years		6,998,208		6,497,370		6,994,458		6,948,873
	Mortgage-backed, in monthly installments		88,179,774		87,070,349		88,496,379		89,199,935

		$	113,235,643	$	110,845,372	$	115,571,417	$	116,229,183

Investments' Gross Unrealized Losses and Corresponding Fair Values by Investment Category and Length of Time that Securities have been in Continuous Unrealized Loss Position	'
	The following table presents the Company’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 September 30, 2013 and March 31, 2013.


		Less than 12 months				12 months or longer				Total
		Unrealized		Fair		Unrealized		Fair		Unrealized		Fair
	September 30, 2013	losses		value		losses		value		losses		value
	U.S. government agency obligations	$	1,317,608	$	21,680,601	$	—	$	—	$	1,317,608	$	21,680,601
	Mortgage-backed		1,444,808		47,599,240		267,651		9,795,192		1,712,459		57,394,432
	FHLMC stock		—		—		—		—		—		—

		$	2,762,416	$	69,279,841	$	267,651	$	9,795,192	$	3,030,067	$	79,075,033

	31-Mar-13
	U.S. government agency obligations	$	111,939	$	18,881,775	$	—	$	—	$	111,939	$	18,881,775
	Mortgage-backed		298,271		35,541,939		13,278		3,373,491		311,549		38,915,430
	FHLMC stock		—		—		1,921		4,760		1,921		4,760

		$	410,210	$	54,423,714	$	15,199	$	3,378,251	$	425,409	$	57,801,965

Loans_Receivable_and_Allowance1

Loans Receivable and Allowance for Loan Losses (Tables)	6 Months Ended
Loans Receivable and Allowance for Loan Losses (Tables)	Sep. 30, 2013
Loans Receivable	'
	Loans receivable consist of the following at September 30, 2013 and March 31, 2013:


			September 30,			March 31,
			2013			2013
	Real estate loans
	One-to four-family
	Residential		$	59,926,687		$	63,912,507
	Investor (1)			14,825,920			15,825,857
	Commercial			39,480,354			36,238,661
	Construction			4,573,277			3,508,125

				118,806,238			119,485,150
	Commercial			21,839,145			26,936,644
	Home equity loans			12,511,663			13,727,266
	Consumer			1,175,103			1,122,770

	Total Loans			154,332,149			161,271,830
	Premium on loans purchased			3,834			15,334
	Net deferred loan origination fees and costs			(84,346	)		(95,522	)
	Allowance for loan losses			(2,658,510	)		(2,071,224	)

			$	151,593,127		$	159,120,418


	-1	“Investor” loans are residential mortgage loans secured by non-owner occupied one- to four-family properties
Balance of Allowance for Loan Losses by Portfolio Segment	'
	The following tables present for the six months ended September 30, 2013 and 2012 and for the year ended March 31, 2013, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is 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.


															Allowance				Loan Balance
															Individually		Collectively		Individually		Collectively
															evaluated		evaluated		evaluated		evaluated
	Six months ended:		Allowance			Provision for			Charge				Allowance		for		for		for		for
	September 30, 2013		3/31/13			loan losses			offs		Recoveries		9/30/13		impairment		impairment		impairment		impairment
	Real estate loans
	One-to four-family		$	372,390		$	172,776		$	64,206	$	24,280	$	505,240	$	63,642	$	441,598	$	1,923,343	$	72,829,264
	Commercial			613,047			43,004			—		—		656,051		—		656,051		4,768,676		34,711,678
	Construction			417,311			(84,222	)		—		—		333,089		249,587		83,502		2,541,587		2,031,690
	Commercial			635,840			1,188,174			707,739		15,925		1,132,200		—		1,132,200		4,052,401		17,786,744
	Home equity loans			31,484			(2,649	)		—		—		28,835		—		28,835		57,024		12,454,639
	Consumer			1,152			1,474			—		469		3,095		—		3,095		—		1,175,103
	Unallocated			—			—			—		—		—		—		—		—		—

			$	2,071,224		$	1,318,557		$	771,945	$	40,674	$	2,658,510	$	313,229	$	2,345,281	$	13,343,031	$	140,989,118


															Allowance				Loan Balance
															Individually		Collectively		Individually		Collectively
															evaluated		evaluated		evaluated		evaluated
	Six months ended:		Allowance			Provision for			Charge				Allowance		for		for		for		for
	September 30, 2012		3/31/12			loan losses			offs		Recoveries		9/30/12		impairment		impairment		impairment		impairment
	Real estate loans
	One-to four-family		$	342,905		$	32,576		$	76,546	$	—	$	298,935	$	78,627	$	220,308	$	1,314,702	$	86,245,874
	Commercial			879,698			105,745			488,772		—		496,671		—		496,671		1,641,343		26,515,012
	Construction			1,047,658			(296,969	)		337,076		—		413,613		413,613		—		3,439,427		—
	Commercial			1,231,723			216,835			873,423		—		575,135		—		575,135		780,204		24,923,431
	Home equity loans			41,829			1,325			5,330		—		37,824		—		37,824		24,521		15,399,723
	Consumer			270			6,769			6,885		—		154		—		154		—		1,128,507
	Unallocated			8,281			(8,281	)		—		—		—		—		—		—		—

			$	3,552,364		$	58,000		$	1,788,032	$	—	$	1,822,332	$	492,240	$	1,330,092	$	7,200,197	$	154,212,547


															Allowance				Loan Balance
															Individually		Collectively		Individually		Collectively
															evaluated		evaluated		evaluated		evaluated
	Year ended		Allowance			Provision for			Charge				Allowance		for		for		for		for
	March 31, 2013		3/31/12			loan losses			offs		Recoveries		3/31/13		impairment		impairment		impairment		impairment
	Real estate loans
	One-to four-family		$	342,905		$	284,263		$	254,778	$	—	$	372,390	$	66,504	$	305,886	$	1,795,014	$	77,943,350
	Commercial			879,698			434,621			701,272		—		613,047		—		613,047		4,806,293		31,432,368
	Construction			1,047,658			(293,270	)		337,077		—		417,311		417,311		—		3,508,125		—
	Commercial			1,231,723			1,308,430			1,904,313		—		635,840		24,770		611,070		2,993,490		23,943,154
	Home equity loans			41,829			(5,015	)		5,330		—		31,484		—		31,484		21,874		13,705,392
	Consumer			270			9,227			8,345		—		1,152		—		1,152		—		1,122,770
	Unallocated			8,281			(8,281	)		—		—		—		—		—		—		—

			$	3,552,364		$	1,729,975		$	3,211,115	$	—	$	2,071,224	$	508,585	$	1,562,639	$	13,124,796	$	148,147,034

Past Due Loans, Segregated by Age and Class of Loans	'
	Past due loans, segregated by age and class of loans, as of September 30, 2013 and March 31, 2013, were as follows. There were no loans ninety days or more past due and accruing interest at March 31, 2013.


									Loans								Accruing				Nonaccrual
			Loans			Loans			90 or more								loans 90 or				interest
			30-59 days			60-89 days			days		Total past		Current				more days		Nonaccrual		not
	September 30, 2013		past due			past due			past due		due loans		loans		Totals loans		past due		loans		accrued
	Real estate loans
	One-to four-family		$	507,124		$	95,269		$	538,483	$	1,140,876	$	73,611,731	$	74,752,607	$	—	$	538,483	$	54,089
	Commercial			303,400			—			1,385,566		1,688,966		37,791,388		39,480,354		—		1,385,566		216,007
	Construction			—			—			—		—		4,573,277		4,573,277		—		—		—
	Commercial			1,581,386			—			1,673,197		3,254,583		18,584,562		21,839,145		675,000		2,311,322		49,202
	Home equity loans			58,064			18,120			36,891		113,075		12,398,588		12,511,663		—		36,891		2,405
	Consumer			356			—			—		356		1,174,747		1,175,103		—		—		—

			$	2,450,330		$	113,389		$	3,634,137	$	6,197,856	$	148,134,293	$	154,332,149	$	675,000	$	4,272,262	$	321,703


									Loans								Accruing				Nonaccrual
			Loans			Loans			90 or more								loans 90 or				interest
			30-59 days			60-89 days			days		Total past		Current				more days		Nonaccrual		not
	March 31, 2013		past due			past due			past due		due loans		loans		Totals loans		past due		loans		accrued
	Real estate loans
	One-to four-family		$	756,123		$	179,316		$	1,371,429	$	2,306,868	$	77,431,496	$	79,738,364	$	—	$	1,377,827	$	159,594
	Commercial			—			—			1,406,421		1,406,421		34,832,240		36,238,661		—		1,406,421		167,519
	Construction			—			—			1,003,314		1,003,314		2,504,811		3,508,125		—		1,003,314		111,950
	Commercial			1,865,563			—			319,167		2,184,730		24,751,914		26,936,644		—		1,307,290		21,643
	Home equity loans			63,106			—			36,891		99,997		13,627,269		13,727,266		—		36,891		1,302
	Consumer			—			—			—		—		1,122,770		1,122,770		—		—		—

			$	2,684,792		$	179,316		$	4,137,222	$	7,001,330	$	154,270,500	$	161,271,830	$	—	$	5,131,743	$	462,008

Impaired Loans	'
	Impaired Loans as of and for the six months ended September 30, 2013 and the year ended March 31, 2013 were as follows:


			Unpaid			Recorded			Recorded
			contractual			investment			investment		Total				Average
			principal			with no			with		recorded		Related		recorded		Interest
	September 30, 2013		balance			allowance			allowance		investment		allowance		investment		recognized
	Real estate loans
	One-to four-family		$	2,147,771		$	1,225,522		$	892,035	$	2,117,557	$	63,642	$	2,173,788	$	41,198
	Commercial			5,481,779			4,768,676			—		4,768,676		—		4,782,550		150,934
	Construction			2,541,587			—			2,541,587		2,541,587		249,587		2,541,587		87,283
	Commercial			5,358,709			4,052,401			—		4,052,401		—		4,706,664		122,156
	Home equity loans			57,649			57,024			—		57,024		—		57,824		306
	Consumer			—			—			—		—		—		—		—

			$	15,587,495		$	10,103,623		$	3,433,622	$	13,537,245	$	313,229	$	14,262,413	$	401,877


			Unpaid			Recorded			Recorded
			contractual			investment			investment		Total				Average
			principal			with no			with		recorded		Related		recorded		Interest
	March 31, 2013		balance			allowance			allowance		investment		allowance		investment		recognized
	Real estate loans
	One-to four-family		$	2,766,726		$	1,373,947		$	900,717	$	2,274,664	$	66,504	$	2,476,899	$	78,717
	Commercial			5,498,540			4,806,293			—		4,806,293		—		5,045,501		237,838
	Construction			3,853,728			1,003,314			2,504,811		3,508,125		417,311		3,462,305		168,173
	Commercial			3,586,694			2,783,250			210,240		2,993,490		24,770		3,231,026		124,040
	Home equity loans			22,554			21,874			—		21,874		—		24,166		425
	Consumer			—			—			—		—		—		—		—

			$	15,728,242		$	9,988,678		$	3,615,768	$	13,604,446	$	508,585	$	14,239,897	$	609,193

Balances of Classified Loans Based on Risk Grade	'
	The following tables present the September 30, 2013 and March 31, 2013, balances of classified loans based on the risk grade. Classified loans include Special Mention, Substandard, and Doubtful loans.


			Special
	September 30, 2013		mention			Substandard			Doubtful		Total
	Real estate loans
	One-to four-family		$	1,927,032		$	627,533		$	—	$	2,554,565
	Commercial			—			4,768,676			—		4,768,676
	Construction			—			2,541,587			—		2,541,587
	Commercial			7,294,802			4,052,401			—		11,347,203
	Home equity loans			38,252			36,891			—		75,143
	Consumer			—			—			—		—

			$	9,260,086		$	12,027,088		$	—	$	21,287,174


			Special
	March 31, 2013		mention			Substandard			Doubtful		Total
	Real estate loans
	One-to four-family		$	1,767,930		$	1,371,429		$	—	$	3,139,359
	Commercial			—			4,806,293			—		4,806,293
	Construction			—			3,508,125			—		3,508,125
	Commercial			1,220,111			2,993,490			—		4,213,601
	Home equity loans			51,659			36,891			—		88,550
	Consumer			—			—			—		—

			$	3,039,700		$	12,716,228		$	—	$	15,755,928

Summary of Troubled Debt Restructurings	'
	A summary of TDRs at September 30, 2013 and March 31, 2013 follows:


			Number of
	September 30, 2013		contracts			Performing			Nonperforming		Total
	Real estate loans
	One-to four-family			5		$	1,362,250		$	134,198	$	1,496,448
	Commercial			—			—			—		—
	Construction			—			—			—		—
	Commercial			3			—			1,016,142		1,016,142
	Home equity loans			1			20,132			—		20,132
	Consumer			—			—			—		—

				9		$	1,382,382		$	1,150,340	$	2,532,722


			Number of
	March 31, 2013		contracts			Performing			Nonperforming		Total
	Real estate loans
	One-to four-family			4		$	1,436,343		$	6,630	$	1,442,973
	Commercial			—			—			—		—
	Construction			—			—			—		—
	Commercial			3			—			1,177,788		1,177,788
	Home equity loans			1			21,874			—		21,874
	Consumer			—			—			—		—

				8		$	1,458,217		$	1,184,418	$	2,642,635

Number of Contracts and Outstanding Loan Balance at Time of Modification	'
	The following table presents the number of contracts and the dollar amount of TDR’s that were added during the six month period ended September 30, 2013. The amount shown reflects the outstanding loan balance at the time of the modification.


			Number of			Outstanding recorded
	Six months ended September 30, 2013		contracts			investment
	Real estate loans
	One-to four-family			1		$	72,104
	Commercial			—			—
	Construction			—			—
	Commercial			—			—
	Home equity loans			—			—
	Consumer			—			—

				1		$	72,104

Loans modified as TDRs	'
	The following table represents loans that were modified as TDRs within the previous 12 months and have subsequently defaulted in the six months ended September 30, 2013 and 2012. Payment default under a TDR is defined as any TDR that is 90 days or more past due since the loan was modified.


			Six months ended September 30,
			2013						2012
			Number of			Recorded			Number of		Recorded
	TDR Loan Type		Contracts			Investment			Contracts		Investment
	Commercial			1		$	216,667			0	$	—
Outstanding Commitments and Unused Lines of Credit	'
	The Bank had the following outstanding commitments and unused lines of credit as of September 30, 2013 and March 31, 2013:


			September 30,			March 31,
			2013			2013
	Unused commercial lines of credit		$	7,027,829		$	8,161,901
	Unused home equity lines of credit			17,328,701			17,346,101
	Mortgage loan commitments			—			837,000
	Home equity loan commitments			49,000			132,500
	Construction loan commitments			65,037			240,875
	Commercial loan commitments			2,037,500			7,710,000

Regulatory_Capital_Ratios_Tabl

Regulatory Capital Ratios (Tables)	6 Months Ended
Regulatory Capital Ratios (Tables)	Sep. 30, 2013
Capital Ratios and Minimum Capital Requirements of Bank	'
	The capital ratios and minimum capital requirements of the Bank at September 30, 2013 and March 31, 2013 were as follows:


							Minimum					To be well
		Actual					capital requirement					capitalized (1)
		Amount		Ratio			Amount		Ratio			Amount		Ratio
		(dollars in thousands)
	September 30, 2013
	Total risk-based capital (to risk-weighted assets)	$	46,546		27.34	%	$	13,618		8	%	$	17,022		10	%
	Tier 1 capital (to risk-weighted assets)		44,412		26.09	%		6,809		4	%		10,213		6	%
	Tier 1 capital (to adjusted total assets)		44,412		14.69	%		12,095		4	%		15,119		5	%
	March 31, 2013
	Total risk-based capital (to risk-weighted assets)	$	46,956		26.7	%	$	14,068		8	%	$	17,586		10	%
	Tier 1 capital (to risk-weighted assets)		44,885		25.52	%		7,034		4	%		10,551		6	%
	Tier 1 capital (to adjusted total assets)		44,885		14.13	%		12,707		4	%		15,884		5	%

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	6 Months Ended
Fair Value Measurements (Tables)	Sep. 30, 2013
Investment Securities Available for Sale	'
	As of September 30, 2013 and March 31, 2013, the Bank has categorized its investment securities available for sale as follows:


		Level 1		Level 2		Level 3
		inputs		inputs		inputs		Total
	September 30, 2013
	U.S. government agency	$	—	$	23,775,023	$	—	$	23,775,023
	Mortgage-backed		—		87,070,349		—		87,070,349
	FHLMC stock		9,449		—		—		9,449

	Total investment securities available for sale	$	9,449	$	110,845,372	$	—	$	110,854,821

	March 31, 2013
	U.S. government agency	$	—	$	27,029,248	$	—	$	27,029,248
	Mortgage-backed		—		89,199,935		—		89,199,935
	FHLMC stock		4,760		—		—		4,760

	Total investment securities available for sale	$	4,760	$	116,229,183	$	—	$	116,233,943

Impaired Loans and Foreclosed Real Estate	'
	The Company has categorized its foreclosed assets as Level 3.


		Level 1		Level 2		Level 3
		inputs		inputs		inputs		Total
	September 30, 2013
	Impaired loans	$	—	$	—	$	13,224,016	$	13,224,016
	Foreclosed real estate		—		—		1,758,972		1,758,972

	Total impaired loans and foreclosed real estate	$	—	$	—	$	14,982,988	$	14,982,988

	March 31, 2013
	Impaired loans	$	—	$	—	$	13,095,861	$	13,095,861
	Foreclosed real estate		—		—		755,659		755,659

	Total impaired loans and foreclosed real estate	$	—	$	—	$	13,851,520	$	13,851,520

Reconciliation of Beginning and Ending Balance of Foreclosed Real Estate, Measured on Nonrecurring Basis using Significant Unobservable Inputs	'
	The following table reconciles the beginning and ending balance of foreclosed real estate, which is measured on a nonrecurring basis using significant unobservable, level 3, inputs:


	Balance, March 31, 2013	$	755,659
	Transfer to foreclosed real estate		1,003,313
	Proceeds from sale of foreclosed real estate		—
	Loss on sale of foreclosed real estate		—

	Balance, September 30, 2013	$	1,758,972

Calculation of Estimated Fair Values Based on Market Conditions at Specific Point of Time	'
	sheets at fair value on a recurring basis. The calculation of estimated fair values is based on market conditions at a specific point in time and may not reflect current or future fair values.


		September 30, 2013				March 31, 2013
		Carrying		Fair		Carrying		Fair
		amount		value		amount		value
	Financial assets
	Level 1 inputs
	Cash and cash equivalents	$	27,556,668	$	27,556,668	$	33,968,744	$	33,968,744
	Level 2 inputs
	Loans held for sale		—		—		196,743		203,416
	Federal Home Loan Bank stock		405,100		405,100		400,600		400,600
	Bank-owned life insurance		11,816,607		11,816,607		11,622,667		11,622,667
	Level 3 inputs
	Loans receivable, net		151,593,127		153,903,639		159,120,418		162,443,898
	Financial liabilities
	Level 1 inputs
	Advance payments by borrowers for taxes and insurance		397,078		397,078		769,000		769,000
	Level 3 inputs
	Deposits		246,759,311		246,214,291		260,116,875		261,490,896

Nature_of_Operations_and_Summa2

Nature of Operations and Summary of Significant Accounting Policies - Additional Information (Detail) (USD $)	1 Months Ended
	Oct. 10, 2012	Sep. 30, 2013	Mar. 31, 2013
	Oct. 10, 2012	Entity	Mar. 31, 2013
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]	'	'	'
Sale and issuance of common stock	3,703,000	3,703,000	3,703,000
Sale and issuance of common stock, issuance price	$10	'	'
Proceeds from the sale and issuance of shares	$35,580,000	'	'
Net offering expenses	$1,450,000	'	'
Employee stock ownership plan (ESOP) subscribed, percentage	8.00%	'	'
Employee stock ownership plan (ESOP) subscribed, Number of shares	296,240	'	'
Number of branches	'	4	'

Basic_and_Diluted_Earnings_Per

Basic and Diluted Earnings Per Share (Detail) (USD $)	3 Months Ended		6 Months Ended
Basic and Diluted Earnings Per Share (Detail) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Share Disclosure [Line Items]	'	'	'	'
Net loss	($500,299)	$140,832	($482,712)	$364,025
Average common shares outstanding	3,421,572	'	3,421,572	'
Loss per common share-basic and diluted	($0.15)	'	($0.14)	'

Goodwill_and_Other_Intangible_2

Goodwill and Other Intangible Assets - Additional Information (Detail) (USD $)	1 Months Ended
	Dec. 04, 2009	Sep. 30, 2013	Mar. 31, 2013	Sep. 30, 2012	Mar. 31, 2012
Goodwill And Other Intangible Assets [Line Items]	'	'	'	'	'
Premiums paid for the certificates of deposit acquired	$653,000	'	'	'	'
Premiums paid for the loan acquired	92,000	'	'	'	'
Amortization period for the premiums	'4 years	'	'	'	'
Purchased of premises and equipment, including building, land, and equipment	757,432	'	'	'	'
Total goodwill recorded	2,664,432	2,664,432	2,664,432	2,664,432	2,664,432
Total identifiable intangibles (core deposit intangible) recorded	$434,000	$190,333	$212,333	$236,166	$263,666
Identifiable intangibles (core deposit intangible) amortization period	'10 years	'	'	'	'

Activity_in_Goodwill_and_Acqui

Activity in Goodwill and Acquired Intangible Assets Related to Branch Purchase (Detail) (USD $)	6 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 04, 2009
Goodwill And Other Intangible Assets [Line Items]	'	'	'
Goodwill, Beginning Balance	$2,664,432	$2,664,432	$2,664,432
Goodwill acquired during period	'	'	'
Amortization of Goodwill	'	'	'
Goodwill, Ending Balance	2,664,432	2,664,432	2,664,432
Core deposit intangible Beginning Balance	212,333	263,666	434,000
Core deposit intangible acquired during period	'	'	'
Amortization of Core deposit intangible	-22,000	-27,500	'
Core deposit intangible Ending Balance	$190,333	$236,166	$434,000

Future_Estimated_Annual_Amorti

Future Estimated Annual Amortization Associated With Core Deposit Intangible (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013	Sep. 30, 2012	Mar. 31, 2012	Dec. 04, 2009
Finite Lived Intangible Assets Amortization Expense [Line Items]	'	'	'	'	'
2014	$36,500	'	'	'	'
2015	30,000	'	'	'	'
2016	28,167	'	'	'	'
2017	28,000	'	'	'	'
2018	28,000	'	'	'	'
2019	28,000	'	'	'	'
2020	11,666	'	'	'	'
Total identifiable intangibles (core deposit intangible) recorded	$190,333	$212,333	$236,166	$263,666	$434,000

Amortized_Cost_and_Fair_Value_

Amortized Cost and Fair Value of Securities (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	$113,242,324	$115,578,098
Gross unrealized gains	642,564	1,081,254
Gross unrealized losses	3,030,067	425,409
Fair value	110,854,821	116,233,943
U.S. government agency	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	25,055,869	27,075,038
Gross unrealized gains	36,762	66,149
Gross unrealized losses	1,317,608	111,939
Fair value	23,775,023	27,029,248
Mortgage-backed	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	88,179,774	88,496,379
Gross unrealized gains	603,034	1,015,105
Gross unrealized losses	1,712,459	311,549
Fair value	87,070,349	89,199,935
Available-for-sale Securities	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	113,235,643	115,571,417
Gross unrealized gains	639,796	1,081,254
Gross unrealized losses	3,030,067	423,488
Fair value	110,845,372	116,229,183
FHLMC stock	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	6,681	6,681
Gross unrealized gains	2,768	'
Gross unrealized losses	'	1,921
Fair value	$9,449	$4,760

Investment_Securities_Availabl2

Investment Securities Available for Sale - Additional Information (Detail) (USD $)	6 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Schedule of Available-for-sale Securities [Line Items]	'	'
Proceeds from sales of investment securities	$3,608,148	$4,129,198
Gains on sales of investment securities	95,516	51,212
Losses on sales of investment securities	0	0
Book value of pledged security to the Federal Reserve bank	2,000,000	'
Fair value of pledged security to the Federal Reserve bank	$1,790,864	'

Amortized_Cost_and_Estimated_F

Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Amortized cost and estimated fair value of debt securities	'	'
Amortized cost of available-for-sale of securities maturing within one year	$499,983	$1,505,451
Amortized cost of available-for-sale of securities maturing over one to five years	5,557,678	6,575,873
Amortized cost of available-for-sale of securities maturing over five to ten years	12,000,000	11,999,256
Amortized cost of available-for-sale of securities maturing over ten years	6,998,208	6,994,458
Amortized cost of Mortgage-backed, in monthly installments	88,179,774	88,496,379
Amortized cost of available securities	113,235,643	115,571,417
Amortized cost and estimated fair value of debt securities	'	'
Fair value of available-for-sale of securities maturing within one year	505,183	1,520,815
Fair value of available-for-sale of securities maturing over one to five years	5,583,949	6,620,671
Fair value of available-for-sale of securities maturing over five to ten years	11,188,521	11,938,889
Fair value of available-for-sale of securities maturing over ten years	6,497,370	6,948,873
Fair value of available-for-sale of securities Mortgage-backed, in monthly installments	87,070,349	89,199,935
Fair value of available securities	$110,845,372	$116,229,183

Banks_Investments_Gross_Unreal

Bank's Investments' Gross Unrealized Losses and Corresponding Fair Values by Investment Category and Length of Time that Securities have been in Continuous Unrealized Loss Position (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 months unrealized losses	$2,762,416	$410,210
Less than 12 months Fair value	69,279,841	54,423,714
12 months or longer unrealized losses	267,651	15,199
12 months or longer Fair value	9,795,192	3,378,251
Total unrealized losses	3,030,067	425,409
Total Fair value	79,075,033	57,801,965
U.S. government agency	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 months unrealized losses	1,317,608	111,939
Less than 12 months Fair value	21,680,601	18,881,775
Total unrealized losses	1,317,608	111,939
Total Fair value	21,680,601	18,881,775
Mortgage-backed	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 months unrealized losses	1,444,808	298,271
Less than 12 months Fair value	47,599,240	35,541,939
12 months or longer unrealized losses	267,651	13,278
12 months or longer Fair value	9,795,192	3,373,491
Total unrealized losses	1,712,459	311,549
Total Fair value	57,394,432	38,915,430
FHLMC stock	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
12 months or longer unrealized losses	'	1,921
12 months or longer Fair value	'	4,760
Total unrealized losses	'	1,921
Total Fair value	'	$4,760

Loans_Receivable_Detail

Loans Receivable (Detail) (USD $)	Sep. 30, 2013		Mar. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Real estate loans one to four family Residential	$59,926,687		$63,912,507
Real estate loans one to four family Investor	14,825,920	[1]	15,825,857	[1]
Real Estate loans commercial	39,480,354		36,238,661
Real Estate loans construction	4,573,277		3,508,125
Real Estate loans total	118,806,238		119,485,150
Commercial loans	21,839,145		26,936,644
Home Equity loans	12,511,663		13,727,266
Consumer	1,175,103		1,122,770
Total Loans	154,332,149		161,271,830
Premium on loans purchased	3,834		15,334
Net deferred loan origination fees and costs	-84,346		-95,522
Allowance for loan losses	-2,658,510		-2,071,224
Loans receivable total	$151,593,127		$159,120,418

[1]	"Investor" loans are residential mortgage loans secured by non-owner occupied one- to four-family properties

Loans_Receivable_and_Allowance2

Loans Receivable and Allowance for Loan Losses - Additional Information (Detail) (USD $)	6 Months Ended
	Sep. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Maximum percentage of appraised value of property against lending	90.00%
Limit over which private mortgage insurance is required	80.00%
Commercial	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Recorded investment TDR loan, charge-off	47,060
Commercial \| Repossessed Assets \| Subsequent Payment	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Recorded investment TDR loan, subsequent payment	102,500

Balance_of_Allowance_for_Loan_

Balance of Allowance for Loan Losses by Portfolio Segment (Detail) (USD $)	6 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Mar. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	$2,071,224	$3,552,364	$3,552,364
Provision for loan losses	1,318,557	58,000	1,729,975
Charge offs	771,945	1,788,032	3,211,115
Recoveries	40,674	'	'
Allowance, ending balance	2,658,510	1,822,332	2,071,224
Allowance, Individually evaluated for impairment	313,229	492,240	508,585
Allowance, Collectively evaluated for impairment	2,345,281	1,330,092	1,562,639
Loan Balance, Individually evaluated for impairment	13,343,031	7,200,197	13,124,796
Loan Balance, Collectively evaluated for impairment	140,989,118	154,212,547	148,147,034
Real estate loans, One to four family	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	372,390	342,905	342,905
Provision for loan losses	172,776	32,576	284,263
Charge offs	64,206	76,546	254,778
Recoveries	24,280	'	'
Allowance, ending balance	505,240	298,935	372,390
Allowance, Individually evaluated for impairment	63,642	78,627	66,504
Allowance, Collectively evaluated for impairment	441,598	220,308	305,886
Loan Balance, Individually evaluated for impairment	1,923,343	1,314,702	1,795,014
Loan Balance, Collectively evaluated for impairment	72,829,264	86,245,874	77,943,350
Real estate loans, Commercial	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	613,047	879,698	879,698
Provision for loan losses	43,004	105,745	434,621
Charge offs	'	488,772	701,272
Allowance, ending balance	656,051	496,671	613,047
Allowance, Collectively evaluated for impairment	656,051	496,671	613,047
Loan Balance, Individually evaluated for impairment	4,768,676	1,641,343	4,806,293
Loan Balance, Collectively evaluated for impairment	34,711,678	26,515,012	31,432,368
Real estate loans, Construction	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	417,311	1,047,658	1,047,658
Provision for loan losses	-84,222	-296,969	-293,270
Charge offs	'	337,076	337,077
Allowance, ending balance	333,089	413,613	417,311
Allowance, Individually evaluated for impairment	249,587	413,613	417,311
Allowance, Collectively evaluated for impairment	83,502	'	'
Loan Balance, Individually evaluated for impairment	2,541,587	3,439,427	3,508,125
Loan Balance, Collectively evaluated for impairment	2,031,690	'	'
Commercial	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	635,840	1,231,723	1,231,723
Provision for loan losses	1,188,174	216,835	1,308,430
Charge offs	707,739	873,423	1,904,313
Recoveries	15,925	'	'
Allowance, ending balance	1,132,200	575,135	635,840
Allowance, Individually evaluated for impairment	'	'	24,770
Allowance, Collectively evaluated for impairment	1,132,200	575,135	611,070
Loan Balance, Individually evaluated for impairment	4,052,401	780,204	2,993,490
Loan Balance, Collectively evaluated for impairment	17,786,744	24,923,431	23,943,154
Home Equity Loans	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	31,484	41,829	41,829
Provision for loan losses	-2,649	1,325	-5,015
Charge offs	'	5,330	5,330
Allowance, ending balance	28,835	37,824	31,484
Allowance, Collectively evaluated for impairment	28,835	37,824	31,484
Loan Balance, Individually evaluated for impairment	57,024	24,521	21,874
Loan Balance, Collectively evaluated for impairment	12,454,639	15,399,723	13,705,392
Consumer	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	1,152	270	270
Provision for loan losses	1,474	6,769	9,227
Charge offs	'	6,885	8,345
Recoveries	469	'	'
Allowance, ending balance	3,095	154	1,152
Allowance, Collectively evaluated for impairment	3,095	154	1,152
Loan Balance, Collectively evaluated for impairment	1,175,103	1,128,507	1,122,770
Unallocated	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Allowance, beginning balance	'	8,281	8,281
Provision for loan losses	'	($8,281)	($8,281)

Past_Due_Loans_Segregated_by_A

Past Due Loans, Segregated by Age and Class of Loans (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 days past due	$2,450,330	$2,684,792
Loans 60-89 days past due	113,389	179,316
Loans 90 or more days past due	3,634,137	4,137,222
Total past due loans	6,197,856	7,001,330
Current loans	148,134,293	154,270,500
Total Loans	154,332,149	161,271,830
Accruing loans 90 or more days past due	675,000	'
Nonaccrual loans	4,272,262	5,131,743
Nonaccrual interest not accrued	321,703	462,008
Real estate loans, One to four family	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 days past due	507,124	756,123
Loans 60-89 days past due	95,269	179,316
Loans 90 or more days past due	538,483	1,371,429
Total past due loans	1,140,876	2,306,868
Current loans	73,611,731	77,431,496
Total Loans	74,752,607	79,738,364
Nonaccrual loans	538,483	1,377,827
Nonaccrual interest not accrued	54,089	159,594
Real estate loans, Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 days past due	303,400	'
Loans 90 or more days past due	1,385,566	1,406,421
Total past due loans	1,688,966	1,406,421
Current loans	37,791,388	34,832,240
Total Loans	39,480,354	36,238,661
Nonaccrual loans	1,385,566	1,406,421
Nonaccrual interest not accrued	216,007	167,519
Real estate loans, Construction	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 90 or more days past due	'	1,003,314
Total past due loans	'	1,003,314
Current loans	4,573,277	2,504,811
Total Loans	4,573,277	3,508,125
Nonaccrual loans	'	1,003,314
Nonaccrual interest not accrued	'	111,950
Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 days past due	1,581,386	1,865,563
Loans 90 or more days past due	1,673,197	319,167
Total past due loans	3,254,583	2,184,730
Current loans	18,584,562	24,751,914
Total Loans	21,839,145	26,936,644
Accruing loans 90 or more days past due	675,000	'
Nonaccrual loans	2,311,322	1,307,290
Nonaccrual interest not accrued	49,202	21,643
Home Equity Loans	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 days past due	58,064	63,106
Loans 60-89 days past due	18,120	'
Loans 90 or more days past due	36,891	36,891
Total past due loans	113,075	99,997
Current loans	12,398,588	13,627,269
Total Loans	12,511,663	13,727,266
Nonaccrual loans	36,891	36,891
Nonaccrual interest not accrued	2,405	1,302
Consumer	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 days past due	356	'
Total past due loans	356	'
Current loans	1,174,747	1,122,770
Total Loans	$1,175,103	$1,122,770

Impaired_Loans_Detail

Impaired Loans (Detail) (USD $)	6 Months Ended	12 Months Ended
Impaired Loans (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Financing Receivable, Modifications [Line Items]	'	'
Unpaid contractual principal balance	$15,587,495	$15,728,242
Recorded investment with no allowance	10,103,623	9,988,678
Recorded investment with allowance	3,433,622	3,615,768
Total recorded investment	13,537,245	13,604,446
Related allowance	313,229	508,585
Average recorded investment	14,262,413	14,239,897
Interest recognized	401,877	609,193
Real estate loans, One to four family	'	'
Financing Receivable, Modifications [Line Items]	'	'
Unpaid contractual principal balance	2,147,771	2,766,726
Recorded investment with no allowance	1,225,522	1,373,947
Recorded investment with allowance	892,035	900,717
Total recorded investment	2,117,557	2,274,664
Related allowance	63,642	66,504
Average recorded investment	2,173,788	2,476,899
Interest recognized	41,198	78,717
Real estate loans, Commercial	'	'
Financing Receivable, Modifications [Line Items]	'	'
Unpaid contractual principal balance	5,481,779	5,498,540
Recorded investment with no allowance	4,768,676	4,806,293
Total recorded investment	4,768,676	4,806,293
Average recorded investment	4,782,550	5,045,501
Interest recognized	150,934	237,838
Real estate loans, Construction	'	'
Financing Receivable, Modifications [Line Items]	'	'
Unpaid contractual principal balance	2,541,587	3,853,728
Recorded investment with no allowance	'	1,003,314
Recorded investment with allowance	2,541,587	2,504,811
Total recorded investment	2,541,587	3,508,125
Related allowance	249,587	417,311
Average recorded investment	2,541,587	3,462,305
Interest recognized	87,283	168,173
Commercial	'	'
Financing Receivable, Modifications [Line Items]	'	'
Unpaid contractual principal balance	5,358,709	3,586,694
Recorded investment with no allowance	4,052,401	2,783,250
Recorded investment with allowance	'	210,240
Total recorded investment	4,052,401	2,993,490
Related allowance	'	24,770
Average recorded investment	4,706,664	3,231,026
Interest recognized	122,156	124,040
Home Equity Loans	'	'
Financing Receivable, Modifications [Line Items]	'	'
Unpaid contractual principal balance	57,649	22,554
Recorded investment with no allowance	57,024	21,874
Total recorded investment	57,024	21,874
Average recorded investment	57,824	24,166
Interest recognized	$306	$425

Balances_of_Classified_Loans_B

Balances of Classified Loans Based on Risk Grade (Detail) (Classified Loans, USD $)	Sep. 30, 2013	Mar. 31, 2013
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	$21,287,174	$15,755,928
Real estate loans, One to four family	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	2,554,565	3,139,359
Real estate loans, Commercial	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	4,768,676	4,806,293
Real estate loans, Construction	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	2,541,587	3,508,125
Commercial	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	11,347,203	4,213,601
Home Equity Loans	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	75,143	88,550
Special Mention	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	9,260,086	3,039,700
Special Mention \| Real estate loans, One to four family	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	1,927,032	1,767,930
Special Mention \| Commercial	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	7,294,802	1,220,111
Special Mention \| Home Equity Loans	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	38,252	51,659
Substandard	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	12,027,088	12,716,228
Substandard \| Real estate loans, One to four family	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	627,533	1,371,429
Substandard \| Real estate loans, Commercial	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	4,768,676	4,806,293
Substandard \| Real estate loans, Construction	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	2,541,587	3,508,125
Substandard \| Commercial	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	4,052,401	2,993,490
Substandard \| Home Equity Loans	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total recorded investment	$36,891	$36,891

Summary_of_Troubled_Debt_Restr

Summary of Troubled Debt Restructurings (Detail) (USD $)	6 Months Ended	12 Months Ended
	Sep. 30, 2013	Mar. 31, 2013
	Contract	Contract
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	9	8
Troubled debt restructurings	$2,532,722	$2,642,635
Real estate loans, One to four family	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	5	4
Troubled debt restructurings	1,496,448	1,442,973
Commercial	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	3	3
Troubled debt restructurings	1,016,142	1,177,788
Home Equity Loans	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	1
Troubled debt restructurings	20,132	21,874
Performing	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled debt restructurings	1,382,382	1,458,217
Performing \| Real estate loans, One to four family	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled debt restructurings	1,362,250	1,436,343
Performing \| Home Equity Loans	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled debt restructurings	20,132	21,874
Nonperforming	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled debt restructurings	1,150,340	1,184,418
Nonperforming \| Real estate loans, One to four family	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled debt restructurings	134,198	6,630
Nonperforming \| Commercial	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled debt restructurings	$1,016,142	$1,177,788

Number_of_Contracts_and_Outsta

Number of Contracts and Outstanding Loan Balance at Time of Modification (Detail) (USD $)	6 Months Ended
	Sep. 30, 2013
	Contract
Financing Receivable, Modifications [Line Items]	'
Number of Contracts	1
Outstanding Recorded Investment	$72,104
Real estate loans, One to four family	'
Financing Receivable, Modifications [Line Items]	'
Number of Contracts	1
Outstanding Recorded Investment	$72,104

Loans_modified_as_TDRs_Detail

Loans modified as TDRs (Detail) (Commercial, USD $)	6 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
	Contract	Contract
Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Number of Contracts	1	0
Recorded Investment	$216,667	'

Outstanding_Commitments_and_Un

Outstanding Commitments and Unused Lines of Credit (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Commercial Lines Of Credit	'	'
Debt And Credit Agreements [Line Items]	'	'
Outstanding commitments and unused lines of credit	$7,027,829	$8,161,901
Home Equity Lines of Credit	'	'
Debt And Credit Agreements [Line Items]	'	'
Outstanding commitments and unused lines of credit	17,328,701	17,346,101
Mortgage loan	'	'
Debt And Credit Agreements [Line Items]	'	'
Outstanding commitments and unused lines of credit	'	837,000
Home Equity Loans	'	'
Debt And Credit Agreements [Line Items]	'	'
Outstanding commitments and unused lines of credit	49,000	132,500
Real estate loans, Construction	'	'
Debt And Credit Agreements [Line Items]	'	'
Outstanding commitments and unused lines of credit	65,037	240,875
Commercial	'	'
Debt And Credit Agreements [Line Items]	'	'
Outstanding commitments and unused lines of credit	$2,037,500	$7,710,000

Capital_Ratios_and_Minimum_Cap

Capital Ratios and Minimum Capital Requirements of Bank (Detail) (USD $)	Sep. 30, 2013		Mar. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2013		Mar. 31, 2013
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'		'
Total capital (to risk-weighted assets), actual amount	$46,546		$46,956
Tier 1 capital (to risk-weighted assets), actual amount	44,412		44,885
Tier 1 capital (to adjusted total assets), actual amount	44,412		44,885
Total capital (to risk-weighted assets), actual ratio	27.34%		26.70%
Tier 1 capital (to risk-weighted assets), actual ratio	26.09%		25.52%
Tier 1 capital (to adjusted total assets), actual ratio	14.69%		14.13%
Total capital (to risk-weighted assets), minimum capital requirement amount	13,618		14,068
Tier 1 capital (to risk-weighted assets), minimum capital requirement amount	6,809		7,034
Tier 1 capital (to adjusted total assets), minimum capital requirement amount	12,095		12,707
Total capital (to risk-weighted assets), minimum capital requirement ratio	8.00%		8.00%
Tier 1 capital (to risk-weighted assets), minimum capital requirement Ratio	4.00%		4.00%
Tangible capital (to adjusted total assets), minimum capital requirement ratio	4.00%		4.00%
Total capital (to risk-weighted assets), to be well capitalized amount	17,022	[1]	17,586	[1]
Tier 1 capital (to risk-weighted assets), to be well capitalized amount	10,213	[1]	10,551	[1]
Tier 1 capital (to adjusted total assets), to be well capitalized amount	$15,119	[1]	$15,884	[1]
Total capital (to risk-weighted assets), to be well capitalized ratio	10.00%	[1]	10.00%	[1]
Tier 1 capital (to risk-weighted assets), to be well capitalized ratio	6.00%	[1]	6.00%	[1]
Tier 1 capital (to adjusted total assets), to be well capitalized ratio	5.00%	[1]	5.00%	[1]

[1]	Under prompt corrective action provisions

Investment_Securities_Availabl3

Investment Securities Available for Sale (Detail) (Fair Value, Measurements, Recurring, USD $)	Sep. 30, 2013	Mar. 31, 2013
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	$110,854,821	$116,233,943
U.S. government agency	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	23,775,023	27,029,248
Mortgage-backed	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	87,070,349	89,199,935
FHLMC stock	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	9,449	4,760
Level 1 Inputs	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	9,449	4,760
Level 1 Inputs \| FHLMC stock	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	9,449	4,760
Level 2 Inputs	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	110,845,372	116,229,183
Level 2 Inputs \| U.S. government agency	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	23,775,023	27,029,248
Level 2 Inputs \| Mortgage-backed	'	'
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]	'	'
Total investment securities available for sale	$87,070,349	$89,199,935

Fair_Value_Measurements_Additi

Fair Value Measurements - Additional Information (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013	Sep. 30, 2012
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]	'	'	'
Fair value of loan written down	$313,229	$508,585	$492,240
Fair value of foreclosed real estate	1,758,972	755,659	'
Fair Value, Measurements, Nonrecurring	'	'	'
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Line Items]	'	'	'
Fair value of loan balances	13,537,245	13,604,446	'
Fair value of loan written down	313,229	508,585	'
Fair value of foreclosed real estate	$1,758,972	$755,659	'

Impaired_Loans_and_Foreclosed_

Impaired Loans and Foreclosed Real Estate (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$13,537,245	$13,604,446
Foreclosed real estate	1,758,972	755,659
Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	13,224,016	13,095,861
Foreclosed real estate	1,758,972	755,659
Total impaired loans and foreclosed real estate	14,982,988	13,851,520
Level 3 Inputs \| Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	13,224,016	13,095,861
Foreclosed real estate	1,758,972	755,659
Total impaired loans and foreclosed real estate	$14,982,988	$13,851,520

Reconciliation_of_Beginning_an

Reconciliation of Beginning and Ending Balance of Foreclosed Real Estate, Measured on Nonrecurring Basis using Significant Unobservable Inputs (Detail) (USD $)	6 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]	'	'
Transfer to foreclosed real estate	$1,003,313	$427,988
Level 3 Inputs \| Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]	'	'
Balance, March 31, 2013	755,659	'
Transfer to foreclosed real estate	1,003,313	'
Proceeds from sale of foreclosed real estate	'	'
Loss on sale of foreclosed real estate	'	'
Balance, September 30, 2013	$1,758,972	'

Calculation_of_Estimated_Fair_

Calculation of Estimated Fair Values Based on Market Conditions at Specific Point of Time (Detail) (USD $)	Sep. 30, 2013	Mar. 31, 2013
Financial assets	'	'
Federal Home Loan Bank stock	$405,100	$400,600
Bank-owned life insurance	11,816,607	11,622,667
Financial liabilities	'	'
Advance payments by borrowers for taxes and insurance	397,078	769,000
Deposits	246,759,311	260,116,875
Carrying amount	'	'
Financial assets	'	'
Cash and cash equivalents	27,556,668	33,968,744
Loans held for sale	'	196,743
Federal Home Loan Bank stock	405,100	400,600
Bank-owned life insurance	11,816,607	11,622,667
Loans receivable, net	151,593,127	159,120,418
Financial liabilities	'	'
Advance payments by borrowers for taxes and insurance	397,078	769,000
Deposits	246,759,311	260,116,875
Fair value \| Level 1 Inputs	'	'
Financial assets	'	'
Cash and cash equivalents	27,556,668	33,968,744
Financial liabilities	'	'
Advance payments by borrowers for taxes and insurance	397,078	769,000
Fair value \| Level 2 Inputs	'	'
Financial assets	'	'
Loans held for sale	'	203,416
Federal Home Loan Bank stock	405,100	400,600
Bank-owned life insurance	11,816,607	11,622,667
Fair value \| Level 3 Inputs	'	'
Financial assets	'	'
Loans receivable, net	153,903,639	162,443,898
Financial liabilities	'	'
Deposits	$246,214,291	$261,490,896