Delanco Bancorp 10-Q 17 Feb 15 2015 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Dec. 31, 2014	Feb. 01, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	Delanco Bancorp, Inc.
Document Type	10-Q
Current Fiscal Year End Date	-28
Entity Common Stock, Shares Outstanding		945,425
Amendment Flag	FALSE
Entity Central Index Key	1577603
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Document Period End Date	31-Dec-14
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q3

Consolidated_Statements_of_Fin

Consolidated Statements of Financial Condition (Current Period Unaudited) (USD $)	Dec. 31, 2014	Mar. 31, 2014
Cash and cash equivalents
Cash and amounts due from depository institutions	$630,504	$505,735
Interest-bearing deposits with depository institutions	6,705,274	2,826,904
Total cash and cash equivalents	7,335,778	3,332,639
Investment securities:
Securities available-for-sale (amortized cost of $2,164,205 and $2,185,959 at December 31, 2014 and March 31, 2014, respectively)	2,089,638	1,973,370
Securities held-to-maturity (fair value $25,357,207 and $25,410,461 at December 31, 2014 and March 31, 2014, respectively)	25,674,123	26,975,907
Total investment securities	27,763,761	28,949,277
Loans, net of allowance for loan losses of $1,178,798 at December 31, 2014 , $1,448,298 at March 31, 2014	80,078,612	83,539,442
Accrued interest receivable	413,236	462,284
Real estate owned	2,712,741	1,949,825
Federal Home Loan Bank, at cost	306,300	271,300
Premises and equipment, net	6,533,876	6,668,552
Deferred income tax, net	1,959,050	1,722,601
Bank-owned life insurance	164,666	165,197
Other assets	248,817	335,245
Total assets	127,516,837	127,396,362
Deposits
Non-interest bearing	8,943,888	7,852,030
Interest bearing	100,077,608	102,772,669
Total deposits	109,021,496	110,624,699
Advances from Federal Home Loan bank	4,000,000	2,000,000
Accrued interest payable	684	6,556
Advance payments by borrowers for taxes and insurance	312,756	328,815
Other liabilities	650,384	684,289
Total liabilities	113,985,320	113,644,359
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS’ EQUITY
Preferred stock, $.01 par value, 5,000,000 shares authorized at December 31, 2014 and March 31, 2014, no shares issued
Common stock, $.01 par value, 20,000,000 shares authorized at December 31, 2014 and March 31, 2014, 945,425 shares issued and outstanding at December 31, 2014 and March 31, 2014,	9,454	9,454
Additional paid-in capital	9,959,179	9,956,750
Retained earnings, substantially restricted	4,218,099	4,569,378
Unearned common stock held by employee stock ownership plan	-546,617	-592,168
Accumulated other comprehensive (loss)	-108,598	-191,411
Total stockholder’s equity	13,531,517	13,752,003
Total liabilities and stockholders’ equity	$127,516,837	$127,396,362

Consolidated_Statements_of_Fin1

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) (USD $)	Dec. 31, 2014	Mar. 31, 2014
Securities available-for-sale, amortized cost (in Dollars)	$2,164,205	$2,185,959
Securities held-to-maturity, fair value (in Dollars)	25,357,207	25,410,461
Allowance for loan losses (in Dollars)	$1,178,798	$1,448,298
Preferred stock, par value (in Dollars per share)	$0.01	$0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Common stock par value (in Dollars per share)	$0.01	$0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	945,425	945,425
Common stock, shares outstanding	945,425	945,425

Consolidated_Statements_of_Inc

Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
INTEREST INCOME
Loans	$888,334	$935,616	$2,754,276	$2,976,420
Investment securities	182,853	192,811	543,983	529,517
Total interest income	1,071,187	1,128,427	3,298,259	3,505,937
INTEREST EXPENSE
Interest-bearing checking accounts	10,378	10,609	30,424	31,093
Passbook and money market accounts	26,452	28,203	78,713	94,134
Certificates of deposits	106,778	134,987	330,133	443,989
Federal Home Loan Bank Advances	7,164	97	16,486	97
Total interest expense	150,772	173,896	455,756	569,313
Net interest income	920,415	954,531	2,842,503	2,936,624
Provision for loan losses		406,557	375,000	613,057
Net interest income after provision for loan losses	920,415	547,974	2,467,503	2,323,567
NON-INTEREST INCOME
Increase in cash surrender value of bank-owned life insurance				5,809
Loss on sale of real estate owned	-11,078		-11,078	-85,681
Service charges	33,235	32,815	108,151	105,697
Rental income	26,349	33,820	78,118	108,369
Other	3,531	1,715	12,364	11,039
Total non-interest income	52,037	68,350	187,555	145,233
NON-INTEREST EXPENSE
Salaries and employee benefits	388,128	405,789	1,230,022	1,175,683
Advertising	7,239	6,760	17,749	18,472
Office supplies, telephone and postage	22,512	19,499	81,737	54,026
Loan expenses	14,775	56,212	117,586	159,836
Occupancy expense	143,768	162,789	447,284	473,385
Federal insurance premiums	42,384	53,175	128,170	159,971
Real estate owned loss reserve	314,845	71,500	393,147	149,000
Data processing expenses	57,084	57,068	167,816	170,407
ATM expenses	9,048	8,765	26,330	23,876
Bank charges and fees	17,251	17,137	52,113	50,751
Insurance and surety bond premiums	26,289	20,471	73,400	62,698
Dues and subscriptions	6,516	7,010	20,211	18,074
Professional fees	100,423	57,290	259,429	185,259
Real Estate Owned expense	65,627	23,744	174,879	92,271
Other	39,253	33,552	97,421	81,141
Total non-interest expense	1,255,142	1,000,761	3,287,294	2,874,850
LOSS BEFORE INCOME TAX BENEFIT	-282,690	-384,437	-632,236	-406,050
Income tax benefit	-106,699	-154,327	-280,957	-166,712
NET LOSS	($175,991)	($230,110)	($351,279)	($239,338)
LOSS PER COMMON SHARE (in Dollars per share)	($0.19)	($0.26)	($0.39)	($0.27)

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (USD $)	9 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Net loss	($351,279)	($239,338)
Postretirement benefit plan adjustment, net of deferred tax expense (benefit) of $(3,240) for nine months ended		-4,860
Unrealized gain (loss) on investment securities available for sale, net of deferred tax (benefit) of $29,827 and $(117,188) for the nine months ended	82,813	-169,773
Other comprehensive income (loss)	82,813	-174,633
Total Comprehensive (loss)	($268,466)	($413,971)

Consolidated_Statements_of_Com1

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (Parentheticals) (USD $)	9 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Postretirement benefit plan adjustment, deferred tax (benefit)		$3,240
Unrealized gain (loss) on investment securities, deferred tax (benefit)	$29,827	$117,188

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned Employee Stock Ownership Plan [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at March 31, 2014 at Mar. 31, 2014	$9,454	$9,956,750	$4,569,378	($592,168)	($191,411)	$13,752,003
Balance at March 31, 2014 (in Shares) at Mar. 31, 2014	945,425					945,425
Net loss			-351,279			-351,279
Other comprehensive income, net of tax:					82,813	82,813
Employee stock option expense		23,631				23,631
Shares of common stock transferred to ESOP for services		-21,202		45,551		24,349
Balance at December 31, 2014 at Dec. 31, 2014	$9,454	$9,959,179	$4,218,099	($546,617)	($108,598)	$13,531,517
Balance at December 31, 2014 (in Shares) at Dec. 31, 2014	945,425					945,425

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Cash flow from operating activities
Net Loss	($351,279)	($239,338)
Adjustments to reconcile net loss to net cash provided by operating activities:
ESOP amortization	24,349	33,075
Deferred income taxes	-291,658	-192,477
Depreciation	193,635	188,459
Discount accretion net of premium amortization	-2,374	28,105
Provision for loan losses	375,000	613,057
Income from bank owned life insurance		-5,809
Loss on sale of real estate owned	11,078	85,681
Compensation expense for stock options	23,631	7,231
(Increase) decrease in:
Accrued interest receivable	49,048	-9,472
Other assets	86,959	354,111
Increase (decrease) in:
Accrued interest payable	-5,872	-7,781
Other liabilities	-33,905	45,426
Net cash provided by operating activities	78,612	900,268
Cash flows from investing activities
Proceeds of securities available for sale	21,754	22,778
Purchases of securities held-to-maturity	-1,500,000	-11,621,500
Proceeds from maturities and principal repayments of securities held-to-maturity	2,804,158	3,553,193
Purchase of investment required by law – stock in Federal Home Loan Bank	-35,000	-23,800
Proceeds from sale of real estate owned	864,532	545,634
Net decrease in loans	1,447,304	2,951,711
Purchases of premises and equipment	-58,959	-14,742
Net cash provided by(used in) investing activities	3,543,789	-4,586,726
Cash flows from financing activities
Decrease in deposits	-1,603,203	-3,483,970
Decrease in advance payments by borrowers for taxes and insurance	-16,059	-231,862
Net proceeds from issuance of common stock		3,376,374
Purchase of common stock in connection with ESOP		-189,152
Increase in Federal Home Loan Bank advance	2,000,000	1,000,000
Net cash provided by financing activities	380,738	471,390
Net decrease in cash and cash equivalents	4,003,139	-3,215,068
Cash and cash equivalents, beginning of the period	3,332,639	6,722,766
Cash and cash equivalents, end of period	7,335,778	3,507,698
Supplemental Disclosures:
Cash paid during the period for interest	445,143	576,997
Cash paid during the period for income taxes	2,000	2,000
Loans transferred to foreclosed real estate during the period	1,827,367	856,353
Net change in unrealized gain (loss) on securities available-for-sale net of tax	$82,813	($169,773)

Note_1_Basis_of_Presentation

Note 1 - Basis of Presentation	9 Months Ended
	Dec. 31, 2014
Disclosure Text Block [Abstract]
Basis of Accounting [Text Block]	(1)           Basis of Presentation
	On October 16, 2013, Delanco Bancorp, Inc., a New Jersey corporation (the “Company”), became the holding company for the Bank upon completion of the “second-step” conversion of the Bank from a mutual holding company structure to a stock holding company structure (the “Conversion”). The Conversion involved the sale by the Company of 525,423 shares of common stock in a subscription and community offering, including shares purchased by the Bank’s employee stock ownership plan, the exchange of 420,002 shares of common stock of the Company for shares of common stock of the former Delanco Bancorp, Inc. (“old Delanco Bancorp”) held by persons other than Delanco MHC (the “MHC”), and the elimination of old Delanco Bancorp and the MHC. Net proceeds received from the reorganization and stock offering totaled $3,280,000, net of costs of $923,000. Net income per share and the weighted average shares outstanding for the three and nine months ended December 31, 2014 have been restated to reflect the Conversion.
	Financial information presented in this Quarterly Report on Form 10-Q is derived in part from the consolidated financial statements of the Company and subsidiaries on and after October 16, 2013 and from the consolidated financial statements of old Delanco Bancorp and subsidiaries prior to October 16, 2013.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with instructions for Form 10-Q and, therefore, do not include all disclosures necessary for a complete presentation of the financial statements in conformity with accounting principles generally accepted in the United States of America (GAAP). However, all adjustments that are, in the opinion of management, necessary for the fair presentation of the interim financial statements have been included. Such adjustments were of a normal recurring nature. The results of operations for the three and nine month periods ended December 31, 2014 are not necessarily indicative of the results that may be expected for the entire year or any other interim period. For additional information, refer to the consolidated financial statements and footnotes thereto of Delanco Bancorp, Inc. (the “Company”) included in the Company’s annual report on Form 10-K for the year ended March 31, 2014.

Note_2_Use_of_Estimates

Note 2 - Use of Estimates	9 Months Ended
	Dec. 31, 2014
Use Of Estimates [Abstract]
Use Of Estimates [Text Block]	(2)           Use of Estimates
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for losses on loans and the evaluation of deferred taxes.

Note_3_Deferred_Income_Taxes

Note 3 - Deferred Income Taxes	9 Months Ended
	Dec. 31, 2014
Note 3 - Deferred Income Taxes [Line Items]
Income Tax Disclosure [Text Block]	(4)           Income Taxes
	The Bank accounts for uncertainties in income taxes in accordance with Financial ASC Topic 740 “Accounting for Uncertainty in Income Taxes”. ASC Topic 740 prescribes a threshold and measurement process for recognizing in the financial statements a tax position taken or expected to be taken in a tax return. ASC Topic 740 also provides guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure and transition.  The Bank has determined that there are no significant uncertain tax positions requiring recognition in its financial statements.
	Tax years 2010 through 2013 remain subject to examination by Federal and New Jersey taxing authorities. In the event the Bank is assessed for interest and/or penalties by taxing authorities, such assessed amounts will be classified in the financial statements as income tax expense.
Deferred Income Taxes [Member]
Note 3 - Deferred Income Taxes [Line Items]
Income Tax Disclosure [Text Block]	(3)           Deferred Income Taxes
	We use the asset and liability method of accounting for income taxes. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. We exercise significant judgment in evaluating the amount and timing of recognition of the resulting tax liabilities and assets. These judgments require us to make projections of future taxable income. The judgments and estimates we make in determining our deferred tax assets, which are inherently subjective, are reviewed on a continual basis as regulatory and business factors change.
	The calculation of deferred taxes for GAAP capital differs from the calculation of deferred taxes for regulatory capital. For regulatory capital, deferred tax assets that are dependent upon future taxable income for realization are limited to the lesser of either the amount of deferred tax assets that the institution expects to realize within one year of the calendar quarter-end date, or 10% of the Bank’s Tier I capital. As a result of this variance, our Tier I regulatory capital ratio is lower than our GAAP capital ratio by 120 basis points.

Note_5_Earnings_Per_Share

Note 5 - Earnings Per Share	9 Months Ended
	Dec. 31, 2014
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	(5)           Earnings Per Share
	Basic earnings per share (“EPS”) are computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity.
	The difference between the common shares issued and the common shares outstanding for the purposes of calculating basic EPS is a result of the unallocated ESOP shares.
	As a result of the Conversion, all share information for periods prior to December 31, 2013, has been revised to reflect the .5711 exchange ratio.
	The calculated basic and dilutive EPS are as follows:
		Three Months Ended						Nine Months Ended
		December 31,						December 31,
		2014			2013			2014			2013
	Numerator	$	(175,991	)	$	(230,110	)	$	(351,279	)	$	(239,338	)
	Denominators:
	Basic shares outstanding		903,201			899,681			903,201			899,681
	Effect of dilutive securities
	Dilutive shares outstanding		903,201			899,681			903,201			899,681
	Earnings per share:
	Basic	$	(0.19	)	$	(0.26	)	$	(0.39	)	$	(0.27	)
	Dilutive	$	(0.19	)	$	(0.26	)	$	(0.39	)	$	(0.27	)

Note_6_Regulatory_Agreement

Note 6 - Regulatory Agreement	9 Months Ended
	Dec. 31, 2014
Disclosure Text Block Supplement [Abstract]
Legal Matters and Contingencies [Text Block]	(6)           Regulatory Agreement
	On December 17, 2012, the Bank received a formal written agreement (the “Agreement”) with the Office of the Comptroller of the Currency (the “OCC”) dated November 21, 2012.  The Agreement supersedes and terminates the Order to Cease and Desist entered into by and between the Bank and the Office of Thrift Supervision on March 17, 2010.
	The Agreement requires the Bank to take the following actions:
		●	prepare a three-year strategic plan that establishes objectives for the Bank’s overall risk profile, earnings performance, growth, balance sheet mix, liability structure, reduction in the volume of nonperforming assets, and product line development;
		●	prepare a capital plan that includes specific proposals related to the maintenance of adequate capital, identifies strategies to strengthen capital if necessary and includes detailed quarterly financial projections.  If the OCC determines that the Bank has failed to submit an acceptable capital plan or fails to implement or adhere to its capital plan, then the OCC may require the Bank to develop a contingency capital plan detailing the Bank’s proposal to sell, merge or liquidate the Bank;
		●	prepare a criticized asset plan that will include strategies, targets and timeframes to reduce the Bank’s level of criticized assets;
		●	implement a plan to improve the Bank’s credit risk management and credit administration practices;
		●	implement programs and policies related to the Bank’s allowance for loan and lease losses, liquidity risk management, independent loan review and other real estate owned;
		●	review the capabilities of the Bank’s management to perform present and anticipated duties and to recommend and implement any changes based on such assessment;
		●	not pay any dividends or make any other capital distributions without the prior written approval of the OCC;
		●	not make any severance or indemnification payments without complying with regulatory requirements regarding such payments; and
		●	comply with prior regulatory notification requirements for any changes in directors or senior executive officers.
	The Agreement will remain in effect until terminated, modified, or suspended in writing by the OCC.
	The Agreement does not require the Bank to maintain any specific minimum regulatory capital ratios. However, the OCC established higher individual minimum capital ratios for the Bank. Specifically, the Bank must maintain a Tier 1 capital to adjusted total assets ratio of at least 8%, a Tier 1 capital to risk-weighted assets ratio of at least 12% and a total capital to risk-weighted assets ratio of at least 13%. The Bank's ratios of Tier 1 capital to adjusted total assets, Tier 1 capital to risk-weighted assets and total capital to risk-weighted assets at December 31, 2014 were 8.82%, 15.73% and 16.99%, respectively.

Note_7_Recent_Accounting_Prono

Note 7 - Recent Accounting Pronouncements	9 Months Ended
	Dec. 31, 2014
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	(7)           Recent Accounting Pronouncements
	There were no recent accounting pronouncements since the March 31, 2014 audited financial statements.

Note_8_Fair_Value_of_Financial

Note 8 - Fair Value of Financial Instruments	9 Months Ended
	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	(8)           Fair Value of Financial Instruments
	ASC Topic 820-10 defines fair value, establishes a framework for measuring fair value in U.S. generally accepted accounting principles, and expands disclosure requirements for fair value measurements. ASC Topic 820 does not require any new fair value measurements. The adoption of ASC Topic 820-10 did not have a material impact on the consolidated financial statements.
	ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels, as described below:
		●	Level 1	Level 1 input are unadjusted quoted prices in active markets for identical assets or liabilities.
		●	Level 2	Level 2 inputs are inputs other than quoted prices included in Level 1 that are observable, either directly or indirectly. Level 2 inputs include quoted prices for similar assets, quoted prices in markets that are not considered to be active, and observable inputs other than quoted prices such as interest rates.
		●	Level 3	Level 3 inputs are unobservable inputs.
	Assets and liabilities measured at fair value on a recurring basis are summarized below (dollars in thousands):
			Fair Value Measurements at Reporting Date Using
			Quoted Prices		Significant		Significant
			in Active		Other		Other
			Markets for		Observable		Unobservable
			Identical Assets		Inputs		Inputs
			(Level 1)		(Level 2)		(Level 3)
	31-Dec-14
	Available-for-sale securities		$	165	$	1,925	$	−
	31-Mar-14
	Available-for-sale securities		$	183	$	1,790	$	−
	Assets and Liabilities on a Non-Recurring Basis
	Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2014 and March 31, 2014 are as follows (dollars in thousands):
			Fair Value Measurements at Reporting Date Using
			Quoted Prices		Significant		Significant
			in Active		Other		Other
			Markets for		Observable		Unobservable
			Identical Assets		Inputs		Inputs
			(Level 1)		(Level 2)		(Level 3)
	31-Dec-14
	Impaired loans		$	−	$	−	$	4,977
	Real estate owned			−		−		2,713
	Total		$	−	$	−	$	7,690
	31-Mar-14
	Impaired loans		$	−	$	−	$	6,021
	Real estate owned			−		−		1,950
	Total		$	−	$	−	$	7,971
	The fair value of impaired loans and real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.
	A financial instrument’s level within the fair value hierarchy is based upon the lowest level of any input significant to the fair value measurement.
	As required by ASC Topic 825-10-65, the estimated fair value of financial instruments at December 31, 2014 and March 31, 2014 was as follows:
			31-Dec-14
			Carrying		Level 1		Level 2		Level 3
			Amount
	(Dollars in Thousands)
	Financial Assets:
	Cash and cash equivalent		$	7,336	$	7,336	$	−	$	−
	Investment securities			27,838		165		27,282		−
	Loans – net			80,079		−		−		80,856
	FHLB stock			306		306		−		−
	Accrued interest receivable			413		413		−		−
	Bank–owned life insurance			165		165		−		−
	Real estate owned			2,713		−		−		2,713
	Total financial assets		$	118,850	$	8,385	$	27,282	$	83,569
	Financial Liabilities:
	Deposits		$	109,021	$	8,944		99,723		−
	Advance payments by borrowers for taxes and insurance			313		313		−		−
	Advances Federal Home Loan Bank			4,000		4,000		−		−
	Accrued interest payable			1		1		−		−
	Total financial liabilities		$	113,335	$	13,258	$	99,723	$	−
			31-Mar-14
			Carrying		Level 1		Level 2		Level 3
			Amount
	(Dollars in Thousands)
	Financial Assets:
	Cash and cash equivalents		$	3,333	$	3,333	$	−	$	−
	Investment securities			29,162		−		27,384		−
	Loans – net			83,539		−		−		83,059
	FHLB stock			271		271		−		−
Accrued interest receivable			462		462		−		−
Bank–owned life insurance			165		165		−		−
Real estate owned			1,950		−		−		1,950
Total financial assets		$	118,882	$	4,231	$	27,384	$	85,009
Financial Liabilities:
Deposits		$	110,625	$	7,852	$	103,249	$	−
Advances from Federal Home Loan Bank			2,000		2,000		−		−
Advance payments by borrowers for taxes and insurance			684		684		−		−
Accrued interest payable			7		7		−		−
Total financial liabilities		$	113,316	$	10,543	$	103,249	$	−
Off-balance sheet instruments
Off-balance sheet instruments are primarily comprised of loan commitments and unfunded lines of credit which are generally priced at market rate at the time of funding. Therefore, these instruments have nominal value prior to funding.
		31-Dec-14				31-Mar-14
		Contract		Estimated		Contract		Estimated
		Value		Fair Value		Value		Fair Value
Off-balance sheet instruments
Commitments to extend credit		$	7,497	$	−	$	5,710	$	−

Note_9_Loans

Note 9 - Loans	9 Months Ended
	Dec. 31, 2014
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	(9)           Loans
	The Bank monitors and assesses the credit risk of its loan portfolio using the classes set forth below. These classes also represent the segments by which the Bank monitors the performance of its loan portfolio and estimates its allowance for loan losses.
	Residential real estate loans consist of loans secured by one to four family residences located in the Bank’s market area. The Bank has originated one to four family residential mortgage loans in amounts up to 80% of the lesser of the appraised value or selling price of the mortgaged property without requiring mortgage insurance. A mortgage loan originated by the Bank, for owner occupied property, whether fixed rate or adjustable rate, can have a term of up to 30 years. Non-owner occupied property, whether fixed rate or adjustable rate, can have a term of up to 30 years. Adjustable rate loan terms limit the periodic interest rate adjustment and the minimum and maximum rates that may be charged over the term of the loan based on the type of loan.
	Commercial real estate loans are generally originated in amounts up to the lower of 80% of the appraised value or cost of the property and are secured by improved property such as multi-family dwelling units, office buildings, retail stores, warehouses, church buildings and other non-residential buildings, most of which are located in the Bank’s market area. Commercial real estate loans are generally made with fixed interest rates which mature or re-price in 5 to 7 years with principal amortization of up to 25 years.
	Commercial loans include short and long-term business loans and commercial lines of credit for the purposes of providing working capital, supporting accounts receivable, purchasing inventory and acquiring fixed assets. The loans generally are secured by these types of assets as collateral and/or by personal guarantees provided by principals of the borrowers.
	Construction loans will be made only if there is a permanent mortgage commitment in place. Interest rates on commercial construction loans are typically in line with normal commercial mortgage loan rates, while interest rates on residential construction loans are slightly higher than normal residential mortgage loan rates. These loans usually are adjustable rate loans and generally have terms of up to one year.
	Consumer loans include installment loans and home equity loans, secured by first or second mortgages on homes owned or being purchased by the loan applicant. Home equity term loans and credit lines are credit accommodations secured by either a first or second mortgage on the borrower’s residential property. Interest rates charged on home equity term loans are generally fixed; interest on credit lines is usually a floating rate related to the prime rate. The Bank generally requires a loan to value ratio of less than or equal to 80% of the appraised value, including any outstanding prior mortgage balance.
	Loans at December 31, 2014 and March 31, 2014 are summarized as follows (dollars in thousands):
			December 31,			March 31,
			2014			2014
	Residential (one-to four-family) real estate		$	62,076		$	63,524
	Multi-family and commercial real estate			8,065			10,414
	Commercial			1,895			1,307
	Home equity			7,789			8,144
	Consumer			645			686
	Construction			873			1,009
	Total loans			81,343			85,084
	Net deferred loan origination fees			(85	)		(97	)
	Allowance for loan losses			(1,179	)		(1,448	)
	Loans, net		$	80,079		$	83,539
	The Bank is subject to a loans-to-one-borrower limitation of 15% of capital funds. At December 31, 2014, the loans-to-one-borrower limitation was $1.8 million; this excluded an additional 10% of adjusted capital funds or approximately $1.2 million, which may be loaned if collateralized by readily marketable securities. At December 31, 2014, there were no loans outstanding or committed to any one borrower, which individually or in the aggregate exceeded the Bank’s loans to-one-borrower limitations of 15% of capital funds.
	A summary of the Bank’s credit quality indicators is as follows:
	Pass – A credit which is assigned a rating of Pass shall exhibit some or all of the following characteristics:
		a.	Loans that present an acceptable degree of risk associated with the financing being considered as measured against earnings and balance sheet trends, industry averages, etc. Actual and projected indicators and market conditions provide satisfactory evidence that the credit will perform as agreed.
		b.	Loans to borrowers that display acceptable financial conditions and operating results. Debt service capacity is demonstrated and future prospects are considered good.
		c.	Loans to borrowers where a comfort level is achieved by the strength of the cash flows from the business or project and the strength and quantity of the collateral or security position (i.e.; receivables, inventory and other readily marketable securities) as supported by a current valuation and/or the strong capabilities of a guarantor.
	Special Mention – Loans on which the credit risk requires more than ordinary attention by the Loan Officer. This may be the result of some erosion in the borrower’s financial condition, the economics of the industry, the capability of management, or changes in the original transaction. Loans which are currently sound yet exhibit potentially unacceptable credit risk or deteriorating long term prospects, will receive this classification. Loans which deviate from loan policy or regulations will not generally be classified in this category, but will be separately reported as an area of concern.
	Classified – Classified loans include those considered by the Bank to be substandard, doubtful or loss. An asset is considered “substandard” if it involves more than an acceptable level of risk due to a deteriorating financial condition, unfavorable history of the borrower, inadequate payment capacity, insufficient security or other negative factors within the industry, market or management. Substandard loans have clearly defined weaknesses which can jeopardize the timely payment of the loan.
	Assets classified as “doubtful” exhibit all of the weaknesses defined under the substandard category but with enough risk to present a high probability of some principal loss on the loan, although not yet fully ascertainable in amount.
	Assets classified as “loss” are those considered uncollectible or of little value, even though a collection effort may continue after the classification and potential charge-off.
	Non-Performing Loans
	Non-performing loans consist of non-accrual loans (loans on which the accrual of interest has ceased), loans over ninety days delinquent and still accruing interest, renegotiated loans and impaired loans. Loans are generally placed on non-accrual status if, in the opinion of management, collection is doubtful, or when principal or interest is past due 90 days or more, unless the collateral is considered sufficient to cover principal and interest and the loan is in the process of collection.
	The Bank continues to work with its borrowers where possible and is pursuing legal action where the ability to work with the borrower does not exist.  As of December 31, 2013, the Bank has entered into formal forbearance agreements with three relationships totaling $811 thousand that require current payments while the borrowers restructure their finances.
	The following table represents loans by credit quality indicator at December 31, 2014 (dollars in thousands):
			Pass			Special			Classified			Non-			Total
						Mention			Loans			Performing
						Loans						Loans
	Residential real estate			59,711			−			−			2,365			62,076
	Multi-family and commercial real estate			5,155			771			424			1,715			8,065
	Commercial			1,772			24			99			−			1,895
	Home equity			7,778			−			−			11			7,789
	Consumer			574			−			−			71			645
	Construction			817			−			−			56			873
				75,807			795			523			4,218			81,343
	The following table represents past-due loans as of December 31, 2014 (dollars in thousands):
			30-59			60- 89			Greater			Total			Current			Total
			Days			Days			than 90			Past Due						Loan Balances
			Past Due			Past Due			Days
									Past Due
	Residential real estate			347			1,230			1,797			3,374			58,702			62,076
	Multi-family and commercial real estate			369			−			947			1,316			6,749			8,065
	Commercial			−			−			−			−			1,895			1,895
	Home Equity			404			−			11			415			7,374			7,789
	Consumer			−			−			71			71			574			645
	Construction			−			−			56			56			817			873
	Total Loans			1,120			1,230			2,882			5,232			76,111			81,343
	Percentage of Total Loans			1.4	%		1.5	%		3.5	%		6.4	%		93.6	%		100	%
	Impaired loans are measured based on the present value of expected future discounted cash flows, the fair value of the loan or the fair value of the underlying collateral if the loan is collateral dependent. The recognition of interest income on impaired loans is the same for non-accrual loans discussed above. At December 31, 2014, the Bank had 19 loan relationships totaling $2.9 million in non-accrual loans as compared to 23 relationships totaling $4.1 million at March 31, 2014. The average balance of impaired loans totaled $4.8 million for the nine months ended December 31, 2014 as compared to $6.0 million for the year ended March 31, 2014, and interest income recorded on impaired loans for the nine months ended December 31, 2014 totaled $158 thousand as compared to $235 thousand for the year ended March 31, 2014.
	The following table represents data on impaired loans at December 31, 2014 and March 31, 2014 (dollars in thousands):
			December 31,			March 31,
			2014			2014
	Impaired loans for which a valuation allowance has been provided		$	−		$	846
	Impaired loans for which no valuation allowance has been provided			4,977			5,175
	Total loans determined to be impaired		$	4,977		$	6,021
Allowance for loans losses related to impaired loans		$	−		$	288
Average recorded investment in impaired loans		$	4,843		$	5,964
Cash basis interest income recognized on impaired Loans		$	158		$	235
The following table presents impaired loans by portfolio class at December 31, 2014 (dollars in thousands):
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While On
														Impaired
														Status
Impaired loans with no valuation allowance:
Residential real estate		$	2,886		$	2,837		$	−		$	2,846		$	46
Multi-family and commercial real estate			2,014			1,967			−			1,722			103
Commercial			35			35			−			41			1
Home equity			11			11			−			159			5
Consumer			71			71			−			16			1
Construction			56			56			−			59			2
Subtotal		$	5,073		$	4,977		$	−		$	4,843		$	158
The following table presents impaired loans by portfolio class at March 31, 2014 (dollars in thousands):
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While On
														Impaired
														Status
Impaired loans with no valuation allowance:
Residential real estate		$	2,387		$	2,345		$	−		$	2,185		$	130
Multi-family and commercial real estate			2,443			2,443			−			2,556			88
Commercial			108			108			−			183			−
Home equity			219			219			−			155			8
Consumer			−			−			−			4			−
Construction			60			60			−			51			3
Subtotal		$	5,217		$	5,175		$	−		$	5,134		$	229
The following table presents impaired loans by portfolio class with a valuation allowance at March 31, 2014 (dollars in thousands):
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While on
														Impaired
														Status
Impaired loans with a valuation allowance:
Residential real estate		$	153		$	153		$	28		$	153		$	6
Multi-family and commercial real estate			693			693			260			677			−
Commercial			−			−			−			−			−
Home equity			−			−			−			−			−
Consumer			−			−			−			−			−
Construction			−			−			−			−			−
Subtotal		$	846		$	846		$	288		$	830		$	6
Total Impaired Loans by Portfolio Class at March 31, 2014
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While on
														Impaired
														Status
Total impaired loans:
Residential real estate		$	2,540		$	2,498		$	28		$	2,338		$	136
Multi-family and commercial real estate			3,136			3,136			260			3,233			88
Commercial			108			108			−			183			−
Home equity			219			219			−			155			8
Consumer			−			−			−			4			−
Construction			60			60			−			51			3
Total		$	6,063		$	6,021		$	288		$	5,964		$	235
The following table represents nonaccrual loans as of December 31, 2014 and March 31, 2014 (dollars in thousands):
		December 31,			March 31,
		2014			2014
Non-accrual loans:
Residential real estate		$	1,184		$	1,277
Multi-family and commercial real estate			564			981
Commercial			−			108
Consumer			71			−
Home Equity			11			219
Construction			−			−
Total non-accrual loans			1,830			2,585
Accruing loans past due 90 days or more:
Residential real estate		$	−		$	−
Multi-family and commercial real estate			−			100
Commercial			−			−
Consumer			−			−
Home Equity			−			−
Construction			−			−
Total accruing loans past due 90 days or more			−			100
Troubled Debt Restructurings:
In non-accrual status:
Residential real estate		$	613		$	672
Multi-family and commercial real estate			439			847
Commercial			−			−
Consumer			−			−
Home Equity			−			−
Construction			−			−
Total troubled debt restructurings in non-accrual status			1,052			1,519
Performing under modified terms:
Residential real estate			567			548
Multi-family and commercial real estate			768			1,309
Commercial			−			−
Consumer			−			−
Home Equity			−			−
Construction			−			60
Total troubled debt restructurings performing under modified terms:			1,335			1,917
Total troubled debt restructurings			2,387			3,436
Total non-performing loans			4,217			6,121
Real estate owned			2,713			1,950
Total non-performing assets			6,930			8,071
Non-performing loans as a percentage of loans			5.18	%		7.19	%
Non-performing assets as a percentage of loans and real estate owned			8.24	%		9.27	%
Non-performing assets as percentage of total assets			5.43	%		6.34	%
During the nine months ended December 31, 2014, the Bank experienced a $1.2 million net decrease in non-accrual loans. This change reflects the downgrading of twelve loan relationships to non-accrual status totaling $2.3 million during the nine months ended December 31, 2014. The downgraded loans consisted of seven residential mortgage totaling $1.5 million, five commercial loan relationships consisting of five loans totaling $709 thousand, one home equity loan totaling $11 thousand and one consumer loan totaling $71 thousand. These additions to the non-accruals were offset by five residential mortgages for $935 thousand, two home equity loans totaling $219 thousand and one commercial loan for $128 thousand that returned to accruing status; one commercial loan for $56 thousand that was paid in full; one commercial loan totaling $108 thousand that was paid through a short sale; one commercial loan totaling $19 thousand that was charged off; four residential mortgages totaling $735 thousand and three commercial relationships consisting of three commercial real estate loans totaling $1.3 million that were transferred to real estate owned after a partial charge off of $230 thousand due to valuation updates.
The following table presents troubled debt restructurings that occurred during the periods ended December 31, 2014 and March 31, 2014 and loans modified as troubled debt restructurings within the previous 9 and 12 month periods and for which there was a payment default during the period.
		31-Dec-14									31-Mar-14
					Outstanding Recorded									Outstanding Recorded
					Investment									Investment
		Number of			Pre-			Post-			Number of			Pre-			Post-
		Contracts			Modification			Modification			Contracts			Modification			Modification
Troubled debt restructurings:
Residential real estate			1		$	96		$	110			1		$	120		$	123
		Number of			Recorded			Number of			Recorded
		Contracts			Investment			Contracts			Investment
Troubled debt restructurings that subsequently defaulted:
Residential real estate			−		$	−			-		$	-
The following table presents the changes in real estate owned (REO), net of valuation allowance, for the periods ended December 31, 2014 and March 31, 2014:
		December 31,			March 31,
		2014			2014
Balance, beginning of period		$	1,950		$	2,470
Additions from loan foreclosures			1,827			856
Additions from capitalized costs			−			3
Dispositions of REO			(853	)		(690	)
Gain (loss) on sale of REO			(11	)		(86	)
Valuation adjustments in the period			(200	)		(603	)
Balance, end of period		$	2,713		$	1,950
The following table presents the changes in fair value adjustments to REO for the periods ended December 31, 2014 and March 31, 2014:
		December 31,			March 31,
		2014			2014
Balance, beginning of period		$	676		$	73
Valuation adjustments added in the period			393			675
Valuation adjustments on disposed properties during the period			(193	)		(72	)
Balance, end of period		$	876		$	676
The following table sets forth with respect to the Bank’s allowance for losses on loans (dollars in thousands):
		December 31,			March 31,
		2014			2014
Balance at beginning of period		$	1,448		$	1,033
Provision:
Commercial			73			141
Commercial real estate			168			628
Residential real estate			136			266
Home Equity			12			21
Consumer			(13	)		(103	)
Construction			(1	)		4
Total Provision		$	375		$	957
Charge-Offs:
Commercial		$	19		$	127
Commercial Real Estate			594			378
Residential real estate			113			100
Home Equity			−			4
Consumer			4			16
Recoveries			(86	)		(83	)
Total Net Charge-Offs			644			542
Balance at end of period		$	1,179		$	1,448
Period-end loans outstanding		$	81,343		$	85,084
Average loans outstanding		$	81,219		$	87,327
Allowance as a percentage of period-end loans			1.45	%		1.7	%
Net charge-offs as a percentage of average loans			0.79	%		0.62	%
Additional details for changes in the allowance for loan by loan portfolio as of December 31, 2014 are as follows (dollars in thousands):
Allowance for Loan Losses
		Commercial			Commercial			Residential			Home			Consumer			Construction			Total
					Real Estate			Real Estate			Equity
Balance, beginning of year		$	58		$	635		$	656		$	65		$	30		$	4		$	1,448
Loan charge-offs			(19	)		(594	)		(113	)		−			(4	)		−			(730	)
Recoveries			1			62			7			−			16			−			86
Provision for loan losses			73			168			136			12			(13	)		(1	)		375
Balance, end of period		$	113		$	271		$	686		$	77		$	29		$	3		$	1,179
Ending balance for loans individually evaluated for impairment		$	35		$	1,967		$	2,837		$	11		$	−		$	56		$	4,906
Ending balance for loans collectively evaluated for impairment			1,860			6,098			59,239			7,778			645			817		$	76,437
Loans receivable:
Ending balance		$	1,895		$	8,065		$	62,076		$	7,789		$	645		$	873		$	81,343
Ending balance: loans individually evaluated for impairment		$	35		$	1,967		$	2,837		$	11		$	−		$	56		$	4,906
Ending balance: loans collectively evaluated for impairment			1,860			6,098			59,239			7,778			645			817		$	76,437
The Bank prepares an allowance for loan loss model on a quarterly basis to determine the adequacy of the allowance. Management considers a variety of factors when establishing the allowance, such as the impact of current economic conditions, diversification of the loan portfolio, delinquency statistics, results of independent loan review and related classifications. The Bank’s historic loss rates and the loss rates of peer financial institutions are also considered.
On a monthly basis, the loan committee meets to review each problem loan and determine if there has been any change in collateral value due to changes in market conditions. Each quarter, when calculating the allowance for loan loss, the loan committee reviews an updated loan impairment analysis on each problem loan to determine if a specific provision for loan loss is warranted. Management reviews the most recent appraisal on each loan adjusted for holding and selling costs. In the event there is not a recent appraisal on file, the Bank will use the aged appraisal and apply a discount factor to the appraisal and then adjust the holding and selling costs from the discounted appraisal value.
In evaluating the Bank’s allowance for loan loss, the Bank maintains a loan committee consisting of senior management and the Board of Directors that monitors problem loans and formulates collection efforts and resolution plans for each borrower.
For the nine months ending December 31, 2014, the Bank experienced two full charge-offs relating to two loan relationships totaling $23 thousand and fourteen partial charge-offs related to thirteen relationships totaling $708 thousand as compared to three charge-offs relating to three loan relationships totaling $111 thousand and eleven partial charge-offs relating to eleven loan relationships totaling $514 thousand for the year ended March 31, 2014.
At December 31, 2014, the Bank maintained an allowance for loan loss ratio of 1.45% to loans outstanding. Non-performing assets have decreased by $1.1 million over their stated levels at March 31, 2014, representing a non-performing asset to total asset ratio of 5.43% at December 31, 2014 as compared to a non-performing asset to total asset ratio of 6.34% at March 31, 2014.
The Bank’s charge-off policy states that any asset classified loss shall be charged-off within thirty days of such classification unless the asset has already been eliminated from the books by collection or other appropriate entry. On a quarterly basis, the loan committee will review past due, classified, non-performing and other loans, as it deems appropriate, to determine the collectability of such loans. If the loan committee determines a loan to be uncollectable, the loan shall be charged to the allowance for loan loss. In addition, upon reviewing the collectability, the loan committee may determine a portion of the loan to be uncollectable; in which case that portion of the loan deemed uncollectable will be partially charged-off against the allowance for loan loss.

Note_10_Investment_Securities

Note 10 - Investment Securities	9 Months Ended
	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	(10)         Investment Securities
	Investment securities have been classified according to management’s intent. The amortized cost of securities and their approximate fair values as of December 31, 2014 and March 31, 2014 are as follows:
		Held-to-Maturity
		31-Dec-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	(Dollars in Thousands)
	Federal Farm Credit Bank Bond	$	5,944	$	1		$	(138	)	$	5,807
	Federal Home Loan Bank Bonds		7,069		10			(151	)		6,928
	Federal Home Loan Mortgage
	Corporation Bonds		1,997		−			(47	)		1,950
	Federal National Mortgage Association		8,999		11			(96	)		8,914
	Municipal Bond		470		4			−			474
			24,479		26			(432	)		24,073
	Mortgage-Backed Securities:
	Federal Home Loan Mortgage Corporation		484		33			−			517
	Federal National Mortgage Association		509		49			−			558
	Government National Mortgage Corporation		202		7			−			209
			1,195		89			−			1,284
	Total	$	25,674	$	115		$	(432	)	$	25,357
		Held-to-Maturity
		31-Mar-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	(Dollars in Thousands)
	Federal Home Loan Bank Bonds	$	6,568	$	−		$	(524	)	$	6,044
	Federal Farm Credit Bonds		5,944		−			(387	)		5,557
	Federal Home Loan Mortgage Corporation Bonds		1,997		−			(167	)		1,830
	Federal National Mortgage Association Bond		10,498		17			(597	)		9,918
	Municipal Bond		547		1			−			548
			25,554		18			(1,675	)		23,897
	Mortgage-backed securities:
	Federal Home Loan Mortgage Corporation		610		43			(7	)		646
	Federal National Mortgage Association		583		54			(4	)		633
	Government National Mortgage Corporation		229		7			(2	)		234
			1,422		104			(13	)		1,513
	Total	$	26,976	$	122		$	(1,688	)	$	25,410
		Available for Sale
		31-Dec-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	Federal Home Loan Bank Bonds	$	1,500	$	−		$	(50	)	$	1,450
	Federal National Mortgage Association Bond		500		−			(25	)		475
	Mutual Fund Shares		164		1			−			165
		$	2,164	$	1		$	(75	)	$	2,090
		Available for Sale
		31-Mar-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	Federal Home Loan Bank Bonds	$	1,500	$	−		$	(148	)	$	1,352
	Federal National Mortgage Association Bond		500		−			(62	)		438
	Mutual Fund Shares		186		−			(3	)		183
		$	2,186	$	−			(213	)	$	1,973
	The following is a summary of maturities of securities held-to-maturity and available-for-sale as of December 31, 2014 and March 31, 2014:
		31-Dec-14
		Held to Maturity					Available for Sale
	(Dollars in Thousands)	Amortized		Fair Value			Amortized			Fair Value
		Cost					Cost
	Amounts maturing in:
	One year or less	$	470	$	474		$	−		$	−
After one year through five years		1,501		1,504			−			−
After five years through ten years		8,419		8,251			−			−
After ten years		15,284		15,128			2,000			1,925
Equity securities		−		−			164			165
	$	25,674	$	25,357		$	2,164		$	2,090
	31-Mar-14
	Held to Maturity					Available for Sale
(Dollars in Thousands)	Amortized		Fair Value			Amortized			Fair Value
	Cost					Cost
Amounts maturing in:
One year or less	$	547	$	548		$	−		$	−
After one year through five years		1,502		1,500			−			−
After five years through ten years		8,418		7,928			−			−
After ten years		16,509		15,434			2,000			1,790
Equity securities		−		−			186			183
	$	26,976	$	25,410		$	2,186		$	1,973
The amortized cost and fair value of mortgage-backed securities are presented in the held-to-maturity category by contractual maturity in the preceding table. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations without call or prepayment penalties.
Information pertaining to securities with gross unrealized losses at December 31, 2014 and March 31, 2014, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:
	31-Dec-14
	Less Than 12 Months					12 Months or Greater						Total
	Fair Value		Gross			Fair Value			Gross			Fair Value		Gross
			Unrealized						Unrealized					Unrealized
			Losses						Losses					Losses
(Dollars in Thousands)
Federal Home Loan Bank Bonds	$	−	$	−		$	−		$	(201	)	$	8,091	$	(201	)
Federal Farm Credit Bonds		−		−			−			(138	)		5,444		(138	)
Federal Home Loan Mortgage Corporation Bonds		−		−			−			(47	)		1,997		(47	)
Federal National Mortgage Association		−		−			−			(121	)		7,999		(121	)
Total	$	−	$	−		$	−		$	(507	)	$	23,531	$	(507	)
	31-Mar-14
	Less Than 12 Months					12 Months or Greater						Total
	Fair Value		Gross			Fair Value			Gross			Fair Value		Gross
			Unrealized						Unrealized					Unrealized
			Losses						Losses					Losses
(Dollars in Thousands)
Federal Home Loan Bank Bonds	$	3,606	$	(371	)	$	3,790		$	(301	)	$	7,396	$	(672	)
Federal Farm Credit Bonds		3,282		(217	)		1,775			(171	)		5,057		(388	)
Federal Home Loan Mortgage Corporation Bonds		1,100		(77	)		902			(97	)		2,002		(174	)
Federal National Mortgage Association		7,687		(512	)		1,349			(151	)		9,036		(663	)
Mutual funds shares		183		(3	)		−			−			183		(3	)
		15,858		(1,180	)		7,816			(720	)		23,674		(1,900	)
Mortgage-Backed Securities:
Government National Mortgage Corporation		−		−			26			(1	)		26		(1	)
Total	$	15,858	$	(1,180	)	$	7,842		$	(721	)	$	23,700	$	(1,901	)
Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Bank to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.
At December 31, 2014, the 47 debt securities with unrealized losses have depreciated .02% from the Bank’s amortized cost basis. These unrealized losses relate principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies, or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As management has the ability to hold debt securities until maturity, or for the foreseeable future if classified as available-for-sale, no declines are deemed to be other-than-temporary.

Note_5_Earnings_Per_Share_Tabl

Note 5 - Earnings Per Share (Tables)	9 Months Ended
	Dec. 31, 2014
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]		Three Months Ended						Nine Months Ended
		December 31,						December 31,
		2014			2013			2014			2013
	Numerator	$	(175,991	)	$	(230,110	)	$	(351,279	)	$	(239,338	)
	Denominators:
	Basic shares outstanding		903,201			899,681			903,201			899,681
	Effect of dilutive securities
	Dilutive shares outstanding		903,201			899,681			903,201			899,681
	Earnings per share:
	Basic	$	(0.19	)	$	(0.26	)	$	(0.39	)	$	(0.27	)
	Dilutive	$	(0.19	)	$	(0.26	)	$	(0.39	)	$	(0.27	)

Note_8_Fair_Value_of_Financial1

Note 8 - Fair Value of Financial Instruments (Tables)	9 Months Ended
	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]		Fair Value Measurements at Reporting Date Using
		Quoted Prices		Significant		Significant
		in Active		Other		Other
		Markets for		Observable		Unobservable
		Identical Assets		Inputs		Inputs
		(Level 1)		(Level 2)		(Level 3)
	31-Dec-14
	Available-for-sale securities	$	165	$	1,925	$	−
	31-Mar-14
	Available-for-sale securities	$	183	$	1,790	$	−
Fair Value Measurements, Nonrecurring [Table Text Block]		Fair Value Measurements at Reporting Date Using
		Quoted Prices		Significant		Significant
		in Active		Other		Other
		Markets for		Observable		Unobservable
		Identical Assets		Inputs		Inputs
		(Level 1)		(Level 2)		(Level 3)
	31-Dec-14
	Impaired loans	$	−	$	−	$	4,977
	Real estate owned		−		−		2,713
	Total	$	−	$	−	$	7,690
	31-Mar-14
	Impaired loans	$	−	$	−	$	6,021
	Real estate owned		−		−		1,950
	Total	$	−	$	−	$	7,971
Fair Value, by Balance Sheet Grouping [Table Text Block]		31-Dec-14
		Carrying		Level 1		Level 2		Level 3
		Amount
	(Dollars in Thousands)
	Financial Assets:
	Cash and cash equivalent	$	7,336	$	7,336	$	−	$	−
	Investment securities		27,838		165		27,282		−
	Loans – net		80,079		−		−		80,856
	FHLB stock		306		306		−		−
	Accrued interest receivable		413		413		−		−
	Bank–owned life insurance		165		165		−		−
	Real estate owned		2,713		−		−		2,713
	Total financial assets	$	118,850	$	8,385	$	27,282	$	83,569
	Financial Liabilities:
	Deposits	$	109,021	$	8,944		99,723		−
	Advance payments by borrowers for taxes and insurance		313		313		−		−
	Advances Federal Home Loan Bank		4,000		4,000		−		−
	Accrued interest payable		1		1		−		−
	Total financial liabilities	$	113,335	$	13,258	$	99,723	$	−
		31-Mar-14
		Carrying		Level 1		Level 2		Level 3
		Amount
	(Dollars in Thousands)
	Financial Assets:
	Cash and cash equivalents	$	3,333	$	3,333	$	−	$	−
	Investment securities		29,162		−		27,384		−
	Loans – net		83,539		−		−		83,059
	FHLB stock		271		271		−		−
	Accrued interest receivable		462		462		−		−
	Bank–owned life insurance		165		165		−		−
	Real estate owned		1,950		−		−		1,950
	Total financial assets	$	118,882	$	4,231	$	27,384	$	85,009
	Financial Liabilities:
	Deposits	$	110,625	$	7,852	$	103,249	$	−
	Advances from Federal Home Loan Bank		2,000		2,000		−		−
	Advance payments by borrowers for taxes and insurance		684		684		−		−
	Accrued interest payable		7		7		−		−
	Total financial liabilities	$	113,316	$	10,543	$	103,249	$	−
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]		31-Dec-14				31-Mar-14
		Contract		Estimated		Contract		Estimated
		Value		Fair Value		Value		Fair Value
	Off-balance sheet instruments
	Commitments to extend credit	$	7,497	$	−	$	5,710	$	−

Note_9_Loans_Tables

Note 9 - Loans (Tables)	9 Months Ended
	Dec. 31, 2014
Note 9 - Loans (Tables) [Line Items]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]		December 31,			March 31,
		2014			2014
	Residential (one-to four-family) real estate	$	62,076		$	63,524
	Multi-family and commercial real estate		8,065			10,414
	Commercial		1,895			1,307
	Home equity		7,789			8,144
	Consumer		645			686
	Construction		873			1,009
	Total loans		81,343			85,084
	Net deferred loan origination fees		(85	)		(97	)
	Allowance for loan losses		(1,179	)		(1,448	)
	Loans, net	$	80,079		$	83,539
Financing Receivable Credit Quality Indicators [Table Text Block]		Pass			Special			Classified			Non-			Total
					Mention			Loans			Performing
					Loans						Loans
	Residential real estate		59,711			−			−			2,365			62,076
	Multi-family and commercial real estate		5,155			771			424			1,715			8,065
	Commercial		1,772			24			99			−			1,895
	Home equity		7,778			−			−			11			7,789
	Consumer		574			−			−			71			645
	Construction		817			−			−			56			873
			75,807			795			523			4,218			81,343
Past Due Financing Receivables [Table Text Block]		30-59			60- 89			Greater			Total			Current			Total
		Days			Days			than 90			Past Due						Loan Balances
		Past Due			Past Due			Days
								Past Due
	Residential real estate		347			1,230			1,797			3,374			58,702			62,076
	Multi-family and commercial real estate		369			−			947			1,316			6,749			8,065
	Commercial		−			−			−			−			1,895			1,895
	Home Equity		404			−			11			415			7,374			7,789
	Consumer		−			−			71			71			574			645
	Construction		−			−			56			56			817			873
	Total Loans		1,120			1,230			2,882			5,232			76,111			81,343
	Percentage of Total Loans		1.4	%		1.5	%		3.5	%		6.4	%		93.6	%		100	%
Impaired Financing Receivables [Table Text Block]		December 31,			March 31,
		2014			2014
	Impaired loans for which a valuation allowance has been provided	$	−		$	846
	Impaired loans for which no valuation allowance has been provided		4,977			5,175
	Total loans determined to be impaired	$	4,977		$	6,021
	Allowance for loans losses related to impaired loans	$	−		$	288
	Average recorded investment in impaired loans	$	4,843		$	5,964
	Cash basis interest income recognized on impaired Loans	$	158		$	235
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While On
														Impaired
														Status
	Impaired loans with no valuation allowance:
	Residential real estate	$	2,886		$	2,837		$	−		$	2,846		$	46
	Multi-family and commercial real estate		2,014			1,967			−			1,722			103
	Commercial		35			35			−			41			1
	Home equity		11			11			−			159			5
	Consumer		71			71			−			16			1
	Construction		56			56			−			59			2
	Subtotal	$	5,073		$	4,977		$	−		$	4,843		$	158
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While On
														Impaired
														Status
	Impaired loans with no valuation allowance:
	Residential real estate	$	2,387		$	2,345		$	−		$	2,185		$	130
	Multi-family and commercial real estate		2,443			2,443			−			2,556			88
	Commercial		108			108			−			183			−
	Home equity		219			219			−			155			8
	Consumer		−			−			−			4			−
	Construction		60			60			−			51			3
	Subtotal	$	5,217		$	5,175		$	−		$	5,134		$	229
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While on
														Impaired
														Status
	Impaired loans with a valuation allowance:
	Residential real estate	$	153		$	153		$	28		$	153		$	6
	Multi-family and commercial real estate		693			693			260			677			−
	Commercial		−			−			−			−			−
	Home equity		−			−			−			−			−
	Consumer		−			−			−			−			−
	Construction		−			−			−			−			−
	Subtotal	$	846		$	846		$	288		$	830		$	6
		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Valuation			Recorded			Income
					Balance			Allowance			Investment			Recognized
														While on
														Impaired
														Status
	Total impaired loans:
	Residential real estate	$	2,540		$	2,498		$	28		$	2,338		$	136
	Multi-family and commercial real estate		3,136			3,136			260			3,233			88
	Commercial		108			108			−			183			−
	Home equity		219			219			−			155			8
	Consumer		−			−			−			4			−
	Construction		60			60			−			51			3
	Total	$	6,063		$	6,021		$	288		$	5,964		$	235
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]		December 31,			March 31,
		2014			2014
	Non-accrual loans:
	Residential real estate	$	1,184		$	1,277
	Multi-family and commercial real estate		564			981
	Commercial		−			108
	Consumer		71			−
	Home Equity		11			219
	Construction		−			−
	Total non-accrual loans		1,830			2,585
	Accruing loans past due 90 days or more:
	Residential real estate	$	−		$	−
	Multi-family and commercial real estate		−			100
	Commercial		−			−
	Consumer		−			−
	Home Equity		−			−
	Construction		−			−
	Total accruing loans past due 90 days or more		−			100
	Troubled Debt Restructurings:
	In non-accrual status:
	Residential real estate	$	613		$	672
	Multi-family and commercial real estate		439			847
	Commercial		−			−
	Consumer		−			−
	Home Equity		−			−
	Construction		−			−
	Total troubled debt restructurings in non-accrual status		1,052			1,519
	Performing under modified terms:
	Residential real estate		567			548
	Multi-family and commercial real estate		768			1,309
	Commercial		−			−
	Consumer		−			−
	Home Equity		−			−
	Construction		−			60
	Total troubled debt restructurings performing under modified terms:		1,335			1,917
	Total troubled debt restructurings		2,387			3,436
	Total non-performing loans		4,217			6,121
	Real estate owned		2,713			1,950
	Total non-performing assets		6,930			8,071
	Non-performing loans as a percentage of loans		5.18	%		7.19	%
	Non-performing assets as a percentage of loans and real estate owned		8.24	%		9.27	%
	Non-performing assets as percentage of total assets		5.43	%		6.34	%
Troubled Debt Restructurings on Financing Receivables [Table Text Block]		31-Dec-14									31-Mar-14
					Outstanding Recorded									Outstanding Recorded
					Investment									Investment
		Number of			Pre-			Post-			Number of			Pre-			Post-
		Contracts			Modification			Modification			Contracts			Modification			Modification
	Troubled debt restructurings:
	Residential real estate		1		$	96		$	110			1		$	120		$	123
Real Estate Owned [Table Text Block]		December 31,			March 31,
		2014			2014
	Balance, beginning of period	$	1,950		$	2,470
	Additions from loan foreclosures		1,827			856
	Additions from capitalized costs		−			3
	Dispositions of REO		(853	)		(690	)
	Gain (loss) on sale of REO		(11	)		(86	)
	Valuation adjustments in the period		(200	)		(603	)
	Balance, end of period	$	2,713		$	1,950
		December 31,			March 31,
		2014			2014
	Balance, beginning of period	$	676		$	73
	Valuation adjustments added in the period		393			675
	Valuation adjustments on disposed properties during the period		(193	)		(72	)
	Balance, end of period	$	876		$	676
Schedule of Charge-Offs [Table Text Block]		December 31,			March 31,
		2014			2014
	Balance at beginning of period	$	1,448		$	1,033
	Provision:
	Commercial		73			141
	Commercial real estate		168			628
	Residential real estate		136			266
	Home Equity		12			21
	Consumer		(13	)		(103	)
	Construction		(1	)		4
	Total Provision	$	375		$	957
	Charge-Offs:
	Commercial	$	19		$	127
	Commercial Real Estate		594			378
	Residential real estate		113			100
	Home Equity		−			4
	Consumer		4			16
	Recoveries		(86	)		(83	)
	Total Net Charge-Offs		644			542
	Balance at end of period	$	1,179		$	1,448
	Period-end loans outstanding	$	81,343		$	85,084
	Average loans outstanding	$	81,219		$	87,327
	Allowance as a percentage of period-end loans		1.45	%		1.7	%
	Net charge-offs as a percentage of average loans		0.79	%		0.62	%
Allowance for Credit Losses on Financing Receivables [Table Text Block]		Commercial			Commercial			Residential			Home			Consumer			Construction			Total
					Real Estate			Real Estate			Equity
	Balance, beginning of year	$	58		$	635		$	656		$	65		$	30		$	4		$	1,448
	Loan charge-offs		(19	)		(594	)		(113	)		−			(4	)		−			(730	)
	Recoveries		1			62			7			−			16			−			86
	Provision for loan losses		73			168			136			12			(13	)		(1	)		375
	Balance, end of period	$	113		$	271		$	686		$	77		$	29		$	3		$	1,179
	Ending balance for loans individually evaluated for impairment	$	35		$	1,967		$	2,837		$	11		$	−		$	56		$	4,906
	Ending balance for loans collectively evaluated for impairment		1,860			6,098			59,239			7,778			645			817		$	76,437
	Loans receivable:
	Ending balance	$	1,895		$	8,065		$	62,076		$	7,789		$	645		$	873		$	81,343
	Ending balance: loans individually evaluated for impairment	$	35		$	1,967		$	2,837		$	11		$	−		$	56		$	4,906
	Ending balance: loans collectively evaluated for impairment		1,860			6,098			59,239			7,778			645			817		$	76,437
Subsequent Default [Member]
Note 9 - Loans (Tables) [Line Items]
Troubled Debt Restructurings on Financing Receivables [Table Text Block]		Number of			Recorded			Number of			Recorded
		Contracts			Investment			Contracts			Investment
	Troubled debt restructurings that subsequently defaulted:
	Residential real estate		−		$	−			-		$	-

Note_10_Investment_Securities_

Note 10 - Investment Securities (Tables)	9 Months Ended
	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Held-to-maturity Securities [Table Text Block]		Held-to-Maturity
		31-Dec-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	(Dollars in Thousands)
	Federal Farm Credit Bank Bond	$	5,944	$	1		$	(138	)	$	5,807
	Federal Home Loan Bank Bonds		7,069		10			(151	)		6,928
	Federal Home Loan Mortgage
	Corporation Bonds		1,997		−			(47	)		1,950
	Federal National Mortgage Association		8,999		11			(96	)		8,914
	Municipal Bond		470		4			−			474
			24,479		26			(432	)		24,073
	Mortgage-Backed Securities:
	Federal Home Loan Mortgage Corporation		484		33			−			517
	Federal National Mortgage Association		509		49			−			558
	Government National Mortgage Corporation		202		7			−			209
			1,195		89			−			1,284
	Total	$	25,674	$	115		$	(432	)	$	25,357
		Held-to-Maturity
		31-Mar-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	(Dollars in Thousands)
	Federal Home Loan Bank Bonds	$	6,568	$	−		$	(524	)	$	6,044
	Federal Farm Credit Bonds		5,944		−			(387	)		5,557
	Federal Home Loan Mortgage Corporation Bonds		1,997		−			(167	)		1,830
	Federal National Mortgage Association Bond		10,498		17			(597	)		9,918
	Municipal Bond		547		1			−			548
			25,554		18			(1,675	)		23,897
	Mortgage-backed securities:
	Federal Home Loan Mortgage Corporation		610		43			(7	)		646
	Federal National Mortgage Association		583		54			(4	)		633
	Government National Mortgage Corporation		229		7			(2	)		234
			1,422		104			(13	)		1,513
	Total	$	26,976	$	122		$	(1,688	)	$	25,410
Available-for-sale Securities [Table Text Block]		Available for Sale
		31-Dec-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	Federal Home Loan Bank Bonds	$	1,500	$	−		$	(50	)	$	1,450
	Federal National Mortgage Association Bond		500		−			(25	)		475
	Mutual Fund Shares		164		1			−			165
		$	2,164	$	1		$	(75	)	$	2,090
		Available for Sale
		31-Mar-14
		Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	Federal Home Loan Bank Bonds	$	1,500	$	−		$	(148	)	$	1,352
	Federal National Mortgage Association Bond		500		−			(62	)		438
	Mutual Fund Shares		186		−			(3	)		183
		$	2,186	$	−			(213	)	$	1,973
Investments Classified by Contractual Maturity Date [Table Text Block]		31-Dec-14
		Held to Maturity					Available for Sale
	(Dollars in Thousands)	Amortized		Fair Value			Amortized			Fair Value
		Cost					Cost
	Amounts maturing in:
	One year or less	$	470	$	474		$	−		$	−
	After one year through five years		1,501		1,504			−			−
	After five years through ten years		8,419		8,251			−			−
	After ten years		15,284		15,128			2,000			1,925
	Equity securities		−		−			164			165
		$	25,674	$	25,357		$	2,164		$	2,090
		31-Mar-14
		Held to Maturity					Available for Sale
	(Dollars in Thousands)	Amortized		Fair Value			Amortized			Fair Value
		Cost					Cost
	Amounts maturing in:
	One year or less	$	547	$	548		$	−		$	−
	After one year through five years		1,502		1,500			−			−
	After five years through ten years		8,418		7,928			−			−
	After ten years		16,509		15,434			2,000			1,790
	Equity securities		−		−			186			183
		$	26,976	$	25,410		$	2,186		$	1,973
Schedule of Unrealized Loss on Investments [Table Text Block]		31-Dec-14
		Less Than 12 Months					12 Months or Greater						Total
		Fair Value		Gross			Fair Value			Gross			Fair Value		Gross
				Unrealized						Unrealized					Unrealized
				Losses						Losses					Losses
	(Dollars in Thousands)
	Federal Home Loan Bank Bonds	$	−	$	−		$	−		$	(201	)	$	8,091	$	(201	)
	Federal Farm Credit Bonds		−		−			−			(138	)		5,444		(138	)
	Federal Home Loan Mortgage Corporation Bonds		−		−			−			(47	)		1,997		(47	)
	Federal National Mortgage Association		−		−			−			(121	)		7,999		(121	)
	Total	$	−	$	−		$	−		$	(507	)	$	23,531	$	(507	)
		31-Mar-14
		Less Than 12 Months					12 Months or Greater						Total
		Fair Value		Gross			Fair Value			Gross			Fair Value		Gross
				Unrealized						Unrealized					Unrealized
				Losses						Losses					Losses
	(Dollars in Thousands)
	Federal Home Loan Bank Bonds	$	3,606	$	(371	)	$	3,790		$	(301	)	$	7,396	$	(672	)
	Federal Farm Credit Bonds		3,282		(217	)		1,775			(171	)		5,057		(388	)
	Federal Home Loan Mortgage Corporation Bonds		1,100		(77	)		902			(97	)		2,002		(174	)
	Federal National Mortgage Association		7,687		(512	)		1,349			(151	)		9,036		(663	)
	Mutual funds shares		183		(3	)		−			−			183		(3	)
			15,858		(1,180	)		7,816			(720	)		23,674		(1,900	)
	Mortgage-Backed Securities:
	Government National Mortgage Corporation		−		−			26			(1	)		26		(1	)
	Total	$	15,858	$	(1,180	)	$	7,842		$	(721	)	$	23,700	$	(1,901	)

Note_1_Basis_of_Presentation_D

Note 1 - Basis of Presentation (Details) (USD $)	0 Months Ended
	Oct. 16, 2013
Disclosure Text Block [Abstract]
Sale of Stock, Number of Shares Issued in Transaction	525,423
Exchange of Common Stock Shares	420,002
Proceeds from Reorganization and Stock Offering	$3,280,000
Costs from Reorganization and Stock Offering	$923,000

Note_3_Deferred_Income_Taxes_D

Note 3 - Deferred Income Taxes (Details) (USD $)	9 Months Ended
	Dec. 31, 2014
Note 3 - Deferred Income Taxes (Details) [Line Items]
GAAP Capital Ratio Basis Points in Excess of Tier 1 Regulatory Capital Ratio	1.20%
Liability for Uncertain Tax Positions, Current	0
Earliest Tax Year [Member] | Federal and State Jurisdiction [Member]
Note 3 - Deferred Income Taxes (Details) [Line Items]
Open Tax Year	2010
Latest Tax Year [Member] | Federal and State Jurisdiction [Member]
Note 3 - Deferred Income Taxes (Details) [Line Items]
Open Tax Year	2013

Note_5_Earnings_Per_Share_Deta

Note 5 - Earnings Per Share (Details)	9 Months Ended
	Dec. 31, 2014
Earnings Per Share [Abstract]
Exchange Ratio	0.5711

Note_5_Earnings_Per_Share_Deta1

Note 5 - Earnings Per Share (Details) - Earnings Per Share Reconciliation (USD $)	3 Months Ended		9 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share Reconciliation [Abstract]
Numerator	($175,991)	($230,110)	($351,279)	($239,338)
Denominators:
Basic shares outstanding	903,201	899,681	903,201	899,681
Dilutive shares outstanding	903,201	899,681	903,201	899,681
Earnings per share:
Basic	($0.19)	($0.26)	($0.39)	($0.27)
Dilutive	($0.19)	($0.26)	($0.39)	($0.27)

Note_6_Regulatory_Agreement_De

Note 6 - Regulatory Agreement (Details)	Dec. 31, 2014
Disclosure Text Block Supplement [Abstract]
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	8.00%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	12.00%
Capital Required for Capital Adequacy to Risk Weighted Assets	13.00%
Tier One Leverage Capital to Average Assets	8.82%
Tier One Risk Based Capital to Risk Weighted Assets	15.73%
Capital to Risk Weighted Assets	16.99%

Note_8_Fair_Value_of_Financial2

Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Recurring Basis (USD $)	Dec. 31, 2014	Mar. 31, 2014
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Available-for-sale securities	$2,089,638	$1,973,370
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Available-for-sale securities	165,000	183,000
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Available-for-sale securities	$1,925,000	$1,790,000

Note_8_Fair_Value_of_Financial3

Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis (Fair Value, Inputs, Level 3 [Member], USD $)	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis [Line Items]
Impaired loans	$80,856	$83,059
Real estate owned	2,713	1,950
Impaired Loans [Member] | Fair Value, Measurements, Nonrecurring [Member]
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis [Line Items]
Impaired loans	4,977	6,021
Real Estate Owned [Member] | Fair Value, Measurements, Nonrecurring [Member]
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis [Line Items]
Real estate owned	2,713	1,950
Fair Value, Measurements, Nonrecurring [Member]
Note 8 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis [Line Items]
Total	$7,690	$7,971

Note_8_Fair_Value_of_Financial4

Note 8 - Fair Value of Financial Instruments (Details) - Estimated Fair Value of Assets and Liabilities (USD $)	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013
Financial Assets:
Cash and cash equivalents	$7,335,778	$3,332,639	$3,507,698	$6,722,766
Loans b net	80,078,612	83,539,442
FHLB stock	306,300	271,300
Accrued interest receivable	413,236	462,284
Bankbowned life insurance	164,666	165,197
Real estate owned	2,712,741	1,949,825		2,470,000
Total financial assets	127,516,837	127,396,362
Financial Liabilities:
Deposits	109,021,496	110,624,699
Advance payments by borrowers for taxes and insurance	312,756	328,815
Advances Federal Home Loan Bank	4,000,000	2,000,000
Total financial liabilities	113,985,320	113,644,359
Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Cash and cash equivalents	7,336,000	3,333,000
Investment securities	165,000
FHLB stock	306,000	271,000
Accrued interest receivable	413,000	462,000
Bankbowned life insurance	165,000	165,000
Total financial assets	8,385,000	4,231,000
Financial Liabilities:
Deposits	8,944,000	7,852,000
Advance payments by borrowers for taxes and insurance	313,000	684,000
Advances Federal Home Loan Bank	4,000,000	2,000,000
Accrued interest payable	1,000	7,000
Total financial liabilities	13,258,000	10,543,000
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Investment securities	27,282,000	27,384,000
Total financial assets	27,282,000	27,384,000
Financial Liabilities:
Deposits	99,723,000	103,249,000
Total financial liabilities	99,723,000	103,249,000
Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Loans b net	80,856,000	83,059,000
Real estate owned	2,713,000	1,950,000
Total financial assets	83,569,000	85,009,000
Reported Value Measurement [Member]
Financial Assets:
Cash and cash equivalents	7,336,000	3,333,000
Investment securities	27,838,000	29,162,000
Loans b net	80,079,000	83,539,000
FHLB stock	306,000	271,000
Accrued interest receivable	413,000	462,000
Bankbowned life insurance	165,000	165,000
Real estate owned	2,713,000	1,950,000
Total financial assets	118,850,000	118,882,000
Financial Liabilities:
Deposits	109,021,000	110,625,000
Advance payments by borrowers for taxes and insurance	313,000	684,000
Advances Federal Home Loan Bank	4,000,000	2,000,000
Accrued interest payable	1,000	7,000
Total financial liabilities	$113,335,000	$113,316,000

Note_8_Fair_Value_of_Financial5

Note 8 - Fair Value of Financial Instruments (Details) - Off-balance Sheet Instruments (Commitments to Extend Credit [Member], USD $)	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Commitments to Extend Credit [Member]
Off-balance sheet instruments
Commitments to extend credit	$7,497	$5,710
Commitments to extend credit

Note_9_Loans_Details

Note 9 - Loans (Details) (USD $)	9 Months Ended	12 Months Ended	0 Months Ended
	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Note 9 - Loans (Details) [Line Items]
Maximum Loan to One Borrower Limitation, Percentage of Capital Funds	15.00%
Maximum Loan to One Borrower Limitation	$1,800,000
Additional Loan to One Borrower Limitation if Collateralized, Percentage of Adjusted Capital Funds	10.00%
Adjusted Capital Funds Value	1,200,000
Financing Receivable, Modifications, Number of Contracts	19	23
Financing Receivable, Recorded Investment, Nonaccrual Status and TDR	2,900,000	4,100,000
Impaired Financing Receivable, Average Recorded Investment	4,843,000	5,964,000
Impaired Financing Receivable, Interest Income, Cash Basis Method	158,000	235,000
Allowance for Loan Loss to Loans Outstanding Ratio	1.45%
Increase (Decrease) in Non-performing Assets	-1,100,000
Non-performing Assets As Percentage Of Total Assets	5.43%	6.34%
Nonaccrual Status [Member]
Note 9 - Loans (Details) [Line Items]
Increase (Decrease) in Finance Receivables	-1,200,000
Residential (One to Four Family) Real Estate [Member] | Maximum [Member]
Note 9 - Loans (Details) [Line Items]
Loan Origination, Percentage of Appraised Value or Selling Price	80.00%
Owner Occupied Property [Member] | Maximum [Member]
Note 9 - Loans (Details) [Line Items]
Loan Term	30 years
Non-Owner Occupied Property [Member] | Maximum [Member]
Note 9 - Loans (Details) [Line Items]
Loan Term	30 years
Commercial Real Estate Portfolio Segment [Member] | Transfer to Real Estate Owned [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	3
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	1,300,000
Commercial Real Estate Portfolio Segment [Member] | Maximum [Member]
Note 9 - Loans (Details) [Line Items]
Loan Origination, Percentage of Appraised Value or Selling Price	80.00%
Interest Rate Maturity Or Re-price	7 years
Loan Amortization Period	25 years
Commercial Real Estate Portfolio Segment [Member] | Minimum [Member]
Note 9 - Loans (Details) [Line Items]
Interest Rate Maturity Or Re-price	5 years
Construction [Member] | Maximum [Member]
Note 9 - Loans (Details) [Line Items]
Loan Term	1 year
Consumer Portfolio Segment [Member] | Downgraded Loans [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	71,000
Consumer Portfolio Segment [Member] | Maximum [Member]
Note 9 - Loans (Details) [Line Items]
Loan Origination, Percentage of Appraised Value or Selling Price	80.00%
Entered Into Forbearance Agreements [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts			3
Financing Receivable, Modifications, Recorded Investment			811,000
Residential Portfolio Segment [Member] | Downgraded Loans [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	7
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	1,500,000
Residential Portfolio Segment [Member] | Paid In Full [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	5
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	935,000
Residential Portfolio Segment [Member] | Transfer to Real Estate Owned [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	4
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	735,000
Commercial Loans [Member] | Downgraded Loans [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	5
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	709,000
Commercial Loans [Member] | Paid In Full [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	56,000
Commercial Loans [Member] | Returned to Accruing Status [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	128,000
Commercial Loans [Member] | Paid Off in Short Sale [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	108,000
Commercial Loans [Member] | Total Charge-offs [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	19,000
Commercial Loans [Member] | Transfer to Real Estate Owned [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	3
Commercial Loans [Member] | Partial Charge-offs [Member]
Note 9 - Loans (Details) [Line Items]
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	230,000
Home Equity Loans [Member] | Downgraded Loans [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	11,000
Home Equity Loans [Member] | Paid In Full [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	2
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	219,000
Downgraded Loans [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	12
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	2,300,000
Total Charge-offs [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	2	3
Financing Receivable, Allowance for Credit Losses, Write-downs	23,000	111,000
Partial Charge-offs [Member]
Note 9 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	14	11
Financing Receivable, Allowance for Credit Losses, Write-downs	$708,000	$514,000

Note_9_Loans_Details_Loans

Note 9 - Loans (Details) - Loans (USD $)	Dec. 31, 2014	Mar. 31, 2014	Mar. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$81,343,000	$85,084,000
Net deferred loan origination fees	-85,000	-97,000
Allowance for loan losses	-1,178,798	-1,448,298	-1,033,000
Loans, net	80,078,612	83,539,442
Residential (One to Four Family) Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	62,076,000	63,524,000
Multi-Family and Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	8,065,000	10,414,000
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	1,895,000	1,307,000
Allowance for loan losses	-113,000	-58,000
Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	7,789,000	8,144,000
Allowance for loan losses	-77,000	-65,000
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	645,000	686,000
Allowance for loan losses	-29,000	-30,000
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	873,000	1,009,000
Allowance for loan losses	($3,000)	($4,000)

Note_9_Loans_Details_Loans_by_

Note 9 - Loans (Details) - Loans by Credit Quality Indicator (USD $)	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Loans	$81,343	$85,084
Residential (One to Four Family) Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	59,711
Residential (One to Four Family) Real Estate [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,365
Residential (One to Four Family) Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	62,076	63,524
Multi-Family and Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,155
Multi-Family and Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	771
Multi-Family and Commercial Real Estate [Member] | Classified Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	424
Multi-Family and Commercial Real Estate [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,715
Multi-Family and Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,065	10,414
Commercial Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,772
Commercial Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24
Commercial Loan [Member] | Classified Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	99
Commercial Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,895	1,307
Home Equity Line of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	7,778
Home Equity Line of Credit [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	11
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	7,789	8,144
Consumer Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	574
Consumer Loan [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	71
Consumer Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	645	686
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	817
Construction [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	56
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	873	1,009
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	75,807
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	795
Classified Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	523
Nonperforming Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$4,218

Note_9_Loans_Details_PastDue_L

Note 9 - Loans (Details) - Past-Due Loans (USD $)	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, 30-59 days past due	$1,120
Loans, 60- 89 days past due	1,230
Loans, greater than 90 days past due	2,882
Loans, total past due	5,232
Loans, current	76,111
Loans	81,343	85,084
Percentage of Total Loans	1.40%
Percentage of Total Loans	1.50%
Percentage of Total Loans	3.50%
Percentage of Total Loans	6.40%
Percentage of Total Loans	93.60%
Percentage of Total Loans	100.00%
Residential (One to Four Family) Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, 30-59 days past due	347
Loans, 60- 89 days past due	1,230
Loans, greater than 90 days past due	1,797
Loans, total past due	3,374
Loans, current	58,702
Loans	62,076	63,524
Multi-Family and Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, 30-59 days past due	369
Loans, greater than 90 days past due	947
Loans, total past due	1,316
Loans, current	6,749
Loans	8,065	10,414
Commercial Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, current	1,895
Loans	1,895	1,307
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, 30-59 days past due	404
Loans, greater than 90 days past due	11
Loans, total past due	415
Loans, current	7,374
Loans	7,789	8,144
Consumer Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, greater than 90 days past due	71
Loans, total past due	71
Loans, current	574
Loans	645	686
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, greater than 90 days past due	56
Loans, total past due	56
Loans, current	817
Loans	$873	$1,009

Note_9_Loans_Details_Impaired_

Note 9 - Loans (Details) - Impaired Loans (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Mar. 31, 2014
Impaired Loans [Abstract]
Impaired loans for which a valuation allowance has been provided		$846
Impaired loans for which no valuation allowance has been provided	4,977	5,175
Total loans determined to be impaired	4,977	6,021
Allowance for loans losses related to impaired loans		288
Average recorded investment in impaired loans	4,843	5,964
Cash basis interest income recognized on impaired Loans	$158	$235

Note_9_Loans_Details_Impaired_1

Note 9 - Loans (Details) - Impaired Loans by Portfolio (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Mar. 31, 2014
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	$5,073	$5,217
Impaired loans with no valuation allowance, unpaid principal balance	4,977	5,175
Impaired loans with no valuation allowance, average recorded investment	4,843	5,134
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	158	229
Impaired loans with a valuation allowance, recorded investment		846
Impaired loans with a valuation allowance, unpaid principal balance		846
Impaired loans, related valuation allowance		288
Impaired loans with a valuation allowance, average recorded investment		830
Impaired loans with a valuation allowance, interest income recognized while on impaired statues		6
Impaired loans, recorded investment		6,063
Impaired loans, unpaid principal balance	4,977	6,021
Impaired loans, average recorded investment	4,843	5,964
Impaired loans, interest income recognized while on impaired statues		235
Residential (One to Four Family) Real Estate [Member]
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	2,886	2,387
Impaired loans with no valuation allowance, unpaid principal balance	2,837	2,345
Impaired loans with no valuation allowance, average recorded investment	2,846	2,185
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	46	130
Impaired loans with a valuation allowance, recorded investment		153
Impaired loans with a valuation allowance, unpaid principal balance		153
Impaired loans, related valuation allowance		28
Impaired loans with a valuation allowance, average recorded investment		153
Impaired loans with a valuation allowance, interest income recognized while on impaired statues		6
Impaired loans, recorded investment		2,540
Impaired loans, unpaid principal balance		2,498
Impaired loans, average recorded investment		2,338
Impaired loans, interest income recognized while on impaired statues		136
Multi-Family and Commercial Real Estate [Member]
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	2,014	2,443
Impaired loans with no valuation allowance, unpaid principal balance	1,967	2,443
Impaired loans with no valuation allowance, average recorded investment	1,722	2,556
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	103	88
Impaired loans with a valuation allowance, recorded investment		693
Impaired loans with a valuation allowance, unpaid principal balance		693
Impaired loans, related valuation allowance		260
Impaired loans with a valuation allowance, average recorded investment		677
Impaired loans, recorded investment		3,136
Impaired loans, unpaid principal balance		3,136
Impaired loans, average recorded investment		3,233
Impaired loans, interest income recognized while on impaired statues		88
Commercial Loan [Member]
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	35	108
Impaired loans with no valuation allowance, unpaid principal balance	35	108
Impaired loans with no valuation allowance, average recorded investment	41	183
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	1
Impaired loans, recorded investment		108
Impaired loans, unpaid principal balance		108
Impaired loans, average recorded investment		183
Home Equity Line of Credit [Member]
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	11	219
Impaired loans with no valuation allowance, unpaid principal balance	11	219
Impaired loans with no valuation allowance, average recorded investment	159	155
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	5	8
Impaired loans, recorded investment		219
Impaired loans, unpaid principal balance		219
Impaired loans, average recorded investment		155
Impaired loans, interest income recognized while on impaired statues		8
Consumer Loan [Member]
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	71
Impaired loans with no valuation allowance, unpaid principal balance	71
Impaired loans with no valuation allowance, average recorded investment	16	4
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	1
Impaired loans, average recorded investment		4
Construction [Member]
Note 9 - Loans (Details) - Impaired Loans by Portfolio [Line Items]
Impaired loans with no valuation allowance, recorded investment	56	60
Impaired loans with no valuation allowance, unpaid principal balance	56	60
Impaired loans with no valuation allowance, average recorded investment	59	51
Impaired loans with no valuation allowance, interest income recognized while on impaired statues	2	3
Impaired loans, recorded investment		60
Impaired loans, unpaid principal balance		60
Impaired loans, average recorded investment		51
Impaired loans, interest income recognized while on impaired statues		$3

Note_9_Loans_Details_Nonaccrua

Note 9 - Loans (Details) - Nonaccrual Loans (USD $)	0 Months Ended
	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2014	Mar. 31, 2014	Mar. 31, 2013
Non-accrual loans:
Non-accrual loans	$1,830,000	$2,585,000	$1,830,000	$2,585,000
Accruing loans past due 90 days or more:
90 days past due and still accruing		100,000		100,000
Troubled Debt Restructurings:
Trouble debt restructurings	2,387,000	3,436,000
Total non-performing loans		6,063,000		6,063,000
Real estate owned	2,712,741	1,949,825	2,712,741	1,949,825	2,470,000
Total non-performing assets	6,930,000	8,071,000	6,930,000	8,071,000
Non-performing loans as a percentage of loans	5.18%	7.19%	5.18%	7.19%
Non-performing assets as a percentage of loans and real estate owned	8.24%	9.27%	8.24%	9.27%
Non-performing assets as percentage of total assets	5.43%	6.34%	5.43%	6.34%
In Non-accrual Status [Member] | Residential (One to Four Family) Real Estate [Member]
Troubled Debt Restructurings:
Trouble debt restructurings	613,000	672,000
In Non-accrual Status [Member] | Multi-Family and Commercial Real Estate [Member]
Troubled Debt Restructurings:
Trouble debt restructurings	439,000	847,000
In Non-accrual Status [Member]
Troubled Debt Restructurings:
Trouble debt restructurings	1,052,000	1,519,000
Performing Under Modified Terms [Member] | Residential (One to Four Family) Real Estate [Member]
Troubled Debt Restructurings:
Trouble debt restructurings	567,000	548,000
Performing Under Modified Terms [Member] | Multi-Family and Commercial Real Estate [Member]
Troubled Debt Restructurings:
Trouble debt restructurings	768,000	1,309,000
Performing Under Modified Terms [Member] | Construction [Member]
Troubled Debt Restructurings:
Trouble debt restructurings		60,000
Performing Under Modified Terms [Member]
Troubled Debt Restructurings:
Trouble debt restructurings	1,335,000	1,917,000
Residential (One to Four Family) Real Estate [Member]
Non-accrual loans:
Non-accrual loans	1,184,000	1,277,000	1,184,000	1,277,000
Troubled Debt Restructurings:
Total non-performing loans		2,540,000		2,540,000
Multi-Family and Commercial Real Estate [Member]
Non-accrual loans:
Non-accrual loans	564,000	981,000	564,000	981,000
Accruing loans past due 90 days or more:
90 days past due and still accruing		100,000		100,000
Troubled Debt Restructurings:
Total non-performing loans		3,136,000		3,136,000
Commercial Loan [Member]
Non-accrual loans:
Non-accrual loans		108,000		108,000
Troubled Debt Restructurings:
Total non-performing loans		108,000		108,000
Consumer Loan [Member]
Non-accrual loans:
Non-accrual loans	71,000		71,000
Home Equity Line of Credit [Member]
Non-accrual loans:
Non-accrual loans	11,000	219,000	11,000	219,000
Troubled Debt Restructurings:
Total non-performing loans		219,000		219,000
Construction [Member]
Troubled Debt Restructurings:
Total non-performing loans		60,000		60,000
Nonperforming Financing Receivable [Member]
Troubled Debt Restructurings:
Total non-performing loans	$4,217,000	$6,121,000	$4,217,000	$6,121,000

Note_9_Loans_Details_Troubled_

Note 9 - Loans (Details) - Troubled Debt Restructurings (USD $)	0 Months Ended		9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2014	Mar. 31, 2014
Troubled debt restructurings:
Residential real estate			19	23
Residential real estate	$2,387	$3,436
Residential Portfolio Segment [Member]
Troubled debt restructurings:
Residential real estate			1	1
Residential real estate			96	120
Residential real estate			110	123

Note_9_Loans_Details_Troubled_1

Note 9 - Loans (Details) - Troubled Debt Restructurings Subsequently Defaulted (Residential Portfolio Segment [Member], USD $)	9 Months Ended	12 Months Ended
	Dec. 31, 2014	Mar. 31, 2014
Residential Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Residential real estate
Residential real estate

Note_9_Loans_Details_Real_Esta

Note 9 - Loans (Details) - Real Estate Owned (REO), Net of Valuation Allowance (USD $)	3 Months Ended	9 Months Ended		12 Months Ended
	Dec. 31, 2014	Dec. 31, 2014	Dec. 31, 2013	Mar. 31, 2014
Real Estate Owned (REO), Net of Valuation Allowance [Abstract]
Balance, beginning of period		$1,949,825	$2,470,000	$2,470,000
Balance, end of period	2,712,741	2,712,741		1,949,825
Balance, beginning of period		676,000	73,000	73,000
Balance, end of period	876,000	876,000		676,000
Additions from loan foreclosures		1,827,367	856,353	856,000
Additions from capitalized costs				3,000
Dispositions of REO		-853,000		-690,000
Gain (loss) on sale of REO	-11,078	-11,078	-85,681	-86,000
Valuation adjustments in the period		-200,000		-603,000
Valuation adjustments added in the period		393,000		675,000
Valuation adjustments on disposed properties during the period		($193,000)		($72,000)

Note_9_Loans_Details_Allowance

Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs (USD $)	3 Months Ended	9 Months Ended		12 Months Ended
	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Mar. 31, 2014
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		$1,448,298	$1,033,000	$1,033,000
Period-end loans outstanding		81,343,000		85,084,000
Average loans outstanding		81,219,000		87,327,000
Allowance as a percentage of period-end loans		1.45%		1.70%
Net charge-offs as a percentage of average loans		0.79%		0.62%
Allowance for loan losses, provision for loss	406,557	375,000	613,057	957,000
Allowance for loan losses, charge-offs		730,000
Recoveries		-86,000		-83,000
Total Net Charge-Offs		644,000		542,000
Balance		1,178,798		1,448,298
Commercial Loan [Member]
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		58,000
Period-end loans outstanding		1,895,000		1,307,000
Allowance for loan losses, provision for loss		73,000		141,000
Allowance for loan losses, charge-offs		19,000		127,000
Recoveries		-1,000
Balance		113,000		58,000
Commercial Real Estate [Member]
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		635,000
Period-end loans outstanding		8,065,000
Allowance for loan losses, provision for loss		168,000		628,000
Allowance for loan losses, charge-offs		594,000		378,000
Recoveries		-62,000
Balance		271,000		635,000
Residential Portfolio Segment [Member]
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		656,000
Period-end loans outstanding		62,076,000
Allowance for loan losses, provision for loss		136,000		266,000
Allowance for loan losses, charge-offs		113,000		100,000
Recoveries		-7,000
Balance		686,000		656,000
Home Equity Line of Credit [Member]
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		65,000
Period-end loans outstanding		7,789,000		8,144,000
Allowance for loan losses, provision for loss		12,000		21,000
Allowance for loan losses, charge-offs				4,000
Balance		77,000		65,000
Consumer Loan [Member]
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		30,000
Period-end loans outstanding		645,000		686,000
Allowance for loan losses, provision for loss		-13,000		-103,000
Allowance for loan losses, charge-offs		4,000		16,000
Recoveries		-16,000
Balance		29,000		30,000
Construction [Member]
Note 9 - Loans (Details) - Allowance for Losses on Loans and Charge-Offs [Line Items]
Balance		4,000
Period-end loans outstanding		873,000		1,009,000
Allowance for loan losses, provision for loss		-1,000		4,000
Balance		$3,000		$4,000

Note_9_Loans_Details_Allowance1

Note 9 - Loans (Details) - Allowance for Loan Losses (USD $)	3 Months Ended	9 Months Ended		12 Months Ended
	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Mar. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		$1,448,298	$1,033,000	$1,033,000
Ending balance for loans individually evaluated for impairment		4,906,000
Ending balance for loans collectively evaluated for impairment		76,437,000
Ending balance		81,343,000		85,084,000
Ending balance: loans individually evaluated for impairment		4,906,000
Ending balance: loans collectively evaluated for impairment		76,437,000
Loan charge-offs		-730,000
Recoveries		86,000		83,000
Provision for loan losses	406,557	375,000	613,057	957,000
Balance		1,178,798		1,448,298
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		58,000
Ending balance for loans individually evaluated for impairment		35,000
Ending balance for loans collectively evaluated for impairment		1,860,000
Ending balance		1,895,000		1,307,000
Ending balance: loans individually evaluated for impairment		35,000
Ending balance: loans collectively evaluated for impairment		1,860,000
Loan charge-offs		-19,000		-127,000
Recoveries		1,000
Provision for loan losses		73,000		141,000
Balance		113,000		58,000
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		635,000
Ending balance for loans individually evaluated for impairment		1,967,000
Ending balance for loans collectively evaluated for impairment		6,098,000
Ending balance		8,065,000
Ending balance: loans individually evaluated for impairment		1,967,000
Ending balance: loans collectively evaluated for impairment		6,098,000
Loan charge-offs		-594,000		-378,000
Recoveries		62,000
Provision for loan losses		168,000		628,000
Balance		271,000		635,000
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		656,000
Ending balance for loans individually evaluated for impairment		2,837,000
Ending balance for loans collectively evaluated for impairment		59,239,000
Ending balance		62,076,000
Ending balance: loans individually evaluated for impairment		2,837,000
Ending balance: loans collectively evaluated for impairment		59,239,000
Loan charge-offs		-113,000		-100,000
Recoveries		7,000
Provision for loan losses		136,000		266,000
Balance		686,000		656,000
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		65,000
Ending balance for loans individually evaluated for impairment		11,000
Ending balance for loans collectively evaluated for impairment		7,778,000
Ending balance		7,789,000		8,144,000
Ending balance: loans individually evaluated for impairment		11,000
Ending balance: loans collectively evaluated for impairment		7,778,000
Loan charge-offs				-4,000
Provision for loan losses		12,000		21,000
Balance		77,000		65,000
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		30,000
Ending balance for loans collectively evaluated for impairment		645,000
Ending balance		645,000		686,000
Ending balance: loans collectively evaluated for impairment		645,000
Loan charge-offs		-4,000		-16,000
Recoveries		16,000
Provision for loan losses		-13,000		-103,000
Balance		29,000		30,000
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance		4,000
Ending balance for loans individually evaluated for impairment		56,000
Ending balance for loans collectively evaluated for impairment		817,000
Ending balance		873,000		1,009,000
Ending balance: loans individually evaluated for impairment		56,000
Ending balance: loans collectively evaluated for impairment		817,000
Provision for loan losses		-1,000		4,000
Balance		$3,000		$4,000

Note_10_Investment_Securities_1

Note 10 - Investment Securities (Details)	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Held-to-maturity, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	47
Securities in Unrealized Loss Positions, Depreciated Percentage from Amortized Cost	0.02%

Note_10_Investment_Securities_2

Note 10 - Investment Securities (Details) - Held-to-Maturity Securities (USD $)	Dec. 31, 2014	Mar. 31, 2014
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	$25,674,000	$26,976,000
Held-to-maturity securities, gross unrealized gains	115,000	122,000
Held-to-maturity securities, gross unrealized losses	-432,000	-1,688,000
Held-to-maturity securities, fair value	25,357,207	25,410,461
Federal Farm Credit Bonds [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	5,944,000	5,944,000
Held-to-maturity securities, gross unrealized gains	1,000
Held-to-maturity securities, gross unrealized losses	-138,000	-387,000
Held-to-maturity securities, fair value	5,807,000	5,557,000
Federal Home Loan Bank Bonds [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	7,069,000	6,568,000
Held-to-maturity securities, gross unrealized gains	10,000
Held-to-maturity securities, gross unrealized losses	-151,000	-524,000
Held-to-maturity securities, fair value	6,928,000	6,044,000
Federal Home Loan Mortgage Corporation Bonds [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	1,997,000	1,997,000
Held-to-maturity securities, gross unrealized losses	-47,000	-167,000
Held-to-maturity securities, fair value	1,950,000	1,830,000
Federal National Mortgage Association [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	8,999,000	10,498,000
Held-to-maturity securities, gross unrealized gains	11,000	17,000
Held-to-maturity securities, gross unrealized losses	-96,000	-597,000
Held-to-maturity securities, fair value	8,914,000	9,918,000
Municipal Bond [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	470,000	547,000
Held-to-maturity securities, gross unrealized gains	4,000	1,000
Held-to-maturity securities, fair value	474,000	548,000
Total Bonds [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	24,479,000	25,554,000
Held-to-maturity securities, gross unrealized gains	26,000	18,000
Held-to-maturity securities, gross unrealized losses	-432,000	-1,675,000
Held-to-maturity securities, fair value	24,073,000	23,897,000
Federal Home Loan Mortgage Corporation [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	484,000	610,000
Held-to-maturity securities, gross unrealized gains	33,000	43,000
Held-to-maturity securities, gross unrealized losses		-7,000
Held-to-maturity securities, fair value	517,000	646,000
Federal National Mortgage Association Mortgage Backed Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	509,000	583,000
Held-to-maturity securities, gross unrealized gains	49,000	54,000
Held-to-maturity securities, gross unrealized losses		-4,000
Held-to-maturity securities, fair value	558,000	633,000
Government National Mortgage Corporation [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	202,000	229,000
Held-to-maturity securities, gross unrealized gains	7,000	7,000
Held-to-maturity securities, gross unrealized losses		-2,000
Held-to-maturity securities, fair value	209,000	234,000
Total Mortgage-Backed Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, amortized cost	1,195,000	1,422,000
Held-to-maturity securities, gross unrealized gains	89,000	104,000
Held-to-maturity securities, gross unrealized losses		-13,000
Held-to-maturity securities, fair value	$1,284,000	$1,513,000

Note_10_Investment_Securities_3

Note 10 - Investment Securities (Details) - Available for Sale Securities (USD $)	Dec. 31, 2014	Mar. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities, amortized cost	$2,164,205	$2,185,959
Available for sale securities, gross unrealized gains	1,000
Available for sale securities, gross unrealized losses	-75,000	-213,000
Available for sale securities, fair value	2,089,638	1,973,370
Federal Home Loan Bank Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities, amortized cost	1,500,000	1,500,000
Available for sale securities, gross unrealized losses	-50,000	-148,000
Available for sale securities, fair value	1,450,000	1,352,000
Federal National Mortgage Association [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities, amortized cost	500,000	500,000
Available for sale securities, gross unrealized losses	-25,000	-62,000
Available for sale securities, fair value	475,000	438,000
Mutual Fund Shares [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities, amortized cost	164,000	186,000
Available for sale securities, gross unrealized gains	1,000
Available for sale securities, gross unrealized losses		-3,000
Available for sale securities, fair value	$165,000	$183,000

Note_10_Investment_Securities_4

Note 10 - Investment Securities (Details) - Maturities of Securities (USD $)	Dec. 31, 2014	Mar. 31, 2014
Maturities of Securities [Abstract]
Held-to-maturity securities, amortized cost, one year or less	$470,000	$547,000
Held-to-maturity securities, fair value, one year or less	474,000	548,000
Held-to-maturity securities, amortized cost , after one year through five years	1,501,000	1,502,000
Held-to-maturity securities, fair value, after one year through five years	1,504,000	1,500,000
Held-to-maturity securities, amortized cost, after five years through ten years	8,419,000	8,418,000
Held-to-maturity securities, fair value, after five years through ten years	8,251,000	7,928,000
Held-to-maturity securities, amortized cost, after ten years	15,284,000	16,509,000
Held-to-maturity securities, fair value, after ten years	15,128,000	15,434,000
Available for sale securities, amortized cost, after ten years	2,000,000	2,000,000
Available for sale securities, fair value, after ten years	1,925,000	1,790,000
Available for sale securities, amortized cost, equity securities	164,000	186,000
Available for sale securities, fair value, equity securities	165,000	183,000
Held to maturity securities, amortized cost	25,674,123	26,975,907
Held to maturity securities, fair value	25,357,207	25,410,461
Available for sale securities, amortized cost	2,164,000	2,186,000
Available for sale securities, fair value	$2,089,638	$1,973,370

Note_10_Investment_Securities_5

Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses (USD $)	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		$15,858
Securities with unrealized losses, less than 12 months, gross unrealized losses		-1,180
Securities with unrealized losses, 12 months or greater, fair value		7,842
Securities with unrealized losses, 12 months or greater, gross unrealized losses	-507	-721
Securities with unrealized losses, fair value	23,531	23,700
Securities with unrealized losses, gross unrealized losses	-507	-1,901
Federal Home Loan Bank Bonds [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		3,606
Securities with unrealized losses, less than 12 months, gross unrealized losses		-371
Securities with unrealized losses, 12 months or greater, fair value		3,790
Securities with unrealized losses, 12 months or greater, gross unrealized losses	-201	-301
Securities with unrealized losses, fair value	8,091	7,396
Securities with unrealized losses, gross unrealized losses	-201	-672
Federal Farm Credit Bonds [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		3,282
Securities with unrealized losses, less than 12 months, gross unrealized losses		-217
Securities with unrealized losses, 12 months or greater, fair value		1,775
Securities with unrealized losses, 12 months or greater, gross unrealized losses	-138	-171
Securities with unrealized losses, fair value	5,444	5,057
Securities with unrealized losses, gross unrealized losses	-138	-388
Federal Home Loan Mortgage Corporation Bonds [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		1,100
Securities with unrealized losses, less than 12 months, gross unrealized losses		-77
Securities with unrealized losses, 12 months or greater, fair value		902
Securities with unrealized losses, 12 months or greater, gross unrealized losses	-47	-97
Securities with unrealized losses, fair value	1,997	2,002
Securities with unrealized losses, gross unrealized losses	-47	-174
Federal National Mortgage Association [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		7,687
Securities with unrealized losses, less than 12 months, gross unrealized losses		-512
Securities with unrealized losses, 12 months or greater, fair value		1,349
Securities with unrealized losses, 12 months or greater, gross unrealized losses	-121	-151
Securities with unrealized losses, fair value	7,999	9,036
Securities with unrealized losses, gross unrealized losses	-121	-663
Mutual Fund Shares [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		183
Securities with unrealized losses, less than 12 months, gross unrealized losses		-3
Securities with unrealized losses, fair value		183
Securities with unrealized losses, gross unrealized losses		-3
Total Bonds [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, less than 12 months, fair value		15,858
Securities with unrealized losses, less than 12 months, gross unrealized losses		-1,180
Securities with unrealized losses, 12 months or greater, fair value		7,816
Securities with unrealized losses, 12 months or greater, gross unrealized losses		-720
Securities with unrealized losses, fair value		23,674
Securities with unrealized losses, gross unrealized losses		-1,900
Government National Mortgage Association [Member]
Note 10 - Investment Securities (Details) - Securities With Gross Unrealized Losses [Line Items]
Securities with unrealized losses, 12 months or greater, fair value		26
Securities with unrealized losses, 12 months or greater, gross unrealized losses		-1
Securities with unrealized losses, fair value		26
Securities with unrealized losses, gross unrealized losses		($1)