Delanco Bancorp 10-Q 14 Feb 18 2018 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Dec. 31, 2017	Feb. 06, 2018
Document Information [Line Items]
Entity Registrant Name	Delanco Bancorp, Inc.
Entity Central Index Key	1,577,603
Trading Symbol	dlno
Current Fiscal Year End Date	--03-31
Entity Filer Category	Smaller Reporting Company
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		945,425
Document Type	10-Q
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
ASSETS
Cash and amounts due from banks	$ 1,035,252	$ 511,355
Interest-bearing deposits	10,700,468	6,487,188
Total cash and cash equivalents	11,735,720	6,998,543
Investment Securities
Securities available-for-sale (amortized cost of $2,066,023 and $2,588,817 at December 31, 2017 and March 31, 2017, respectively)	2,065,571	2,594,888
Securities held-to-maturity (fair value $20,655,700 and $21,797,695 at December 31, 2017 and March 31, 2017, respectively)	21,281,594	22,622,835
Total investment securities	23,347,165	25,217,723
Loans, net of allowance for loan losses of $1,005,774 at December 31, 2017 (unaudited), $1,001,449 at March 31, 2017	83,701,818	84,414,361
Accrued interest receivable	378,836	378,243
Real estate owned	1,311,438	1,271,302
Federal Home Loan Bank, at cost	102,000	124,300
Premises and equipment, net	5,878,969	6,047,703
Deferred income taxes	1,396,400	1,981,950
Bank-owned life insurance	178,514	178,514
Other assets	148,586	374,714
Total assets	128,179,446	126,987,353
LIABILITIES
Non-interest bearing deposits	12,364,748	11,703,567
Interest bearing deposits	101,224,233	100,377,179
Total deposits	113,588,981	112,080,746
Accrued interest payable	1,734	6,273
Advance payments by borrowers for taxes and insurance	446,000	500,485
Other liabilities	892,237	908,005
Total liabilities	114,928,952	113,495,509
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS’ EQUITY
Preferred stock, $.01 par value, 5,000,000 authorized at December 31, 2017 and March 31, 2017, no shares issued
Common stock, $.01 par value, 20,000,000 shares authorized; 945,425 shares issued and outstanding at December 31, 2017 and March 31, 2017	9,454	9,454
Additional paid-in capital	10,071,835	10,029,506
Retained earnings, substantially restricted	3,711,194	4,036,465
Unearned common stock held by employee stock ownership plan	(409,963)	(455,514)
Accumulated other comprehensive (loss)	(132,026)	(128,067)
Total stockholder’s equity	13,250,494	13,491,844
Total liabilities and stockholders’ equity	$ 128,179,446	$ 126,987,353

Consolidated Statements of Fin3

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
Securities available-for-sale, amortized cost	$ 2,066,023	$ 2,588,817
Securities held-to-maturity , fair value	20,655,700	21,797,695
Loans, allowance for loan losses	$ 1,005,774	$ 1,001,449
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized (in shares)	20,000,000	20,000,000
Common stock, issued (in shares)	945,425	945,425
Common stock, outstanding (in shares)	945,425	945,425

Consolidated Statements of Inco

Consolidated Statements of Income (Loss) (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
INTEREST INCOME
Loans	$ 897,940	$ 875,015	$ 2,706,558	$ 2,641,794
Investment securities	163,567	144,313	481,205	460,080
Total interest income	1,061,507	1,019,328	3,187,763	3,101,874
INTEREST EXPENSE
Interest-bearing checking accounts	10,214	11,512	26,987	33,664
Passbook and money market accounts	32,954	30,158	95,798	89,850
Certificates of deposits	86,888	90,016	257,019	272,014
Federal Home Loan Bank Advances		336	15	5,148
Total interest expense	130,056	132,022	379,819	400,676
Net interest income	931,451	887,306	2,807,944	2,701,198
Provision (recovery)for loan losses	(25,000)	26,000	(110,000)	(22,000)
Net interest income after provision for loan losses	956,451	861,306	2,917,944	2,723,198
NON-INTEREST INCOME
Gain on sale of an asset			71,516
Gain(Loss) on sale of real estate owned	(1,218)	300	22,197	(2,540)
Service charges	30,139	31,351	93,490	93,781
Rental income	9,310	9,597	28,510	34,632
Other	3,691	3,581	11,704	11,010
Total non-interest income	41,922	44,829	227,417	136,883
NON-INTEREST EXPENSE
Salaries and employee benefits	405,615	403,015	1,222,418	1,200,653
Advertising	4,708	3,844	12,615	15,221
Office supplies, telephone and postage	22,044	23,613	76,257	77,620
Loan expenses	4,925	6,561	25,158	40,893
Occupancy expense	140,376	146,685	421,574	440,038
Federal insurance premiums	19,444	1,247	61,506	86,673
Real estate owned loss reserve		49,000	80,218	62,100
Data processing expenses	65,226	61,431	190,930	188,589
ATM expenses	14,076	11,310	39,220	27,610
Bank charges and fees	19,566	20,504	61,194	64,606
Insurance and surety bond premiums	19,944	20,575	60,711	65,304
Dues and subscriptions	5,362	8,831	22,417	33,285
Professional fees	49,943	77,164	200,558	202,784
Real Estate Owned expense	29,010	31,831	83,432	93,982
Merger Related Expense	220,959		220,959
Other	32,950	35,175	100,601	105,036
Total non-interest expense	1,054,148	900,786	2,879,768	2,704,394
INCOME (LOSS) BEFORE INCOME TAX EXPENSE	(55,775)	5,349	265,593	155,687
Income tax expense	422,964	2,030	590,864	74,482
NET INCOME (LOSS)	$ (478,739)	$ 3,319	$ (325,271)	$ 81,205
INCOME (LOSS) PER COMMON SHARE (in dollars per share)	$ (0.52)	$ 0	$ (0.36)	$ 0.09

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)	9 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Net Income (Loss)	$ (325,271)	$ 81,205
Other comprehensive loss net of tax:
Unrealized (loss) on investment securities available for sale, net of deferred tax of ($136) and $3,280 for the nine months ended	(3,959)	(12,069)
Other comprehensive (loss)	(3,959)	(12,069)
Total Comprehensive Income (loss)	$ (329,230)	$ 69,136

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($)	9 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Unrealized (loss) on investment securities available for sale, deferred tax	$ (136)	$ 3,280

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - 9 months ended Dec. 31, 2017 - USD ($)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned Employee Stock Ownership Plan [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Mar. 31, 2017	945,425
Balance at Mar. 31, 2017	$ 9,454	$ 10,029,506	$ 4,036,465	$ (455,514)	$ (128,067)	$ 13,491,844
Net Income (Loss)			(325,271)			(325,271)
Change in unrealized gain on securities-available-for-sale, net of deferred income tax of--------					(3,959)	(3,959)
Employee stock option expense		34,430				34,430
Shares of common stock transferred to ESOP for services		7,899		45,551		53,450
Balance (in shares) at Dec. 31, 2017	945,425
Balance at Dec. 31, 2017	$ 9,454	$ 10,071,835	$ 3,711,194	$ (409,963)	$ (132,026)	$ 13,250,494

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Cash flow from operating activities
Net Income (Loss)	$ (325,271)	$ 81,205
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
ESOP amortization	45,551	45,551
Deferred income taxes	588,114	71,780
Depreciation	175,134	194,432
Discount accretion net of premium amortization	363	(31,307)
Recovery of loan losses	(110,000)	(22,000)
(Gain) Loss on sale of real estate owned	(22,197)	2,540
Compensation expense for stock options	42,329	21,505
(Increase) decrease in:
Accrued interest receivable	(593)	11,771
Other assets	226,128	175,971
Increase (decrease) in:
Accrued interest payable	(4,539)	(4,721)
Other liabilities	(15,768)	82,274
Net cash provided by operating activities	599,251	629,001
Cash flows from investing activities
Proceeds of securities available for sale	522,794	525,109
Purchases of securities available for sale		(500,000)
Purchases of securities held-to-maturity		(19,965,000)
Proceeds from maturities and principal repayments of securities held-to-maturity	1,340,878	18,919,864
Sale of investment required by law – stock in Federal Home Loan Bank	22,300	129,500
Proceeds from sale of real estate owned	311,342	466,285
Net (increase) decrease in loans	493,262	(1,234,749)
Purchases of premises and equipment	(6,400)	(11,737)
Net cash provided by(used in) investing activities	2,684,176	(1,670,728)
Cash flows from financing activities
Increase in deposits	1,508,235	2,915,685
(Increase) decrease in advance payments by borrowers for taxes and insurance	(54,485)	21,320
(Decrease) in Federal Home Loan Bank advance		(3,000,000)
Net cash provided by (used in) financing activities	1,453,750	(62,995)
Net increase (decrease) in cash and cash equivalents	4,737,177	(1,104,722)
Cash and cash equivalents, beginning of the period	6,998,543	12,127,388
Cash and cash equivalents, end of period	11,735,720	11,022,666
Supplemental Disclosures:
Cash paid during the period for interest	386,242	402,467
Cash paid during the period for income taxes	2,500	2,500
Loans transferred to foreclosed real estate during the period	410,000	610,148
Net change in unrealized gain on securities available-for-sale net of tax	$ (3,959)	$ (12,069)

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Basis of Accounting [Text Block]

Note 2 - Use of Estimates

Note 2 - Use of Estimates	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Use of Estimates [Text Block]

Note 3 - Deferred Income Taxes

Note 3 - Deferred Income Taxes	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Income Tax Disclosure [Text Block]
Deferred Income Taxes [Member]
Notes to Financial Statements
Income Tax Disclosure [Text Block]

Note 4 - Income Taxes

Note 4 - Income Taxes	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Income Tax Disclosure [Text Block]

Note 5 - Earnings Per Share

Note 5 - Earnings Per Share	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Earnings Per Share [Text Block]

Note 6 - Termination of Regulat

Note 6 - Termination of Regulatory Agreement	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Legal Matters and Contingencies [Text Block]

Note 7 - Recent Accounting Pron

Note 7 - Recent Accounting Pronouncements	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]

Note 8 - Fair Value of Financia

Note 8 - Fair Value of Financial Instruments	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Fair Value, Measurement Inputs, Disclosure [Text Block]

Note 9 - Loans

Note 9 - Loans	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

Note 10 - Investment Securities

Note 10 - Investment Securities	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

Note 11 - Agreement and Plan of

Note 11 - Agreement and Plan of Reorganization	9 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Business Combination Disclosure [Text Block]

Note 5 - Earnings Per Share (Ta

Note 5 - Earnings Per Share (Tables)	9 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	null

Note 8 - Fair Value of Financ21

Note 8 - Fair Value of Financial Instruments (Tables)	9 Months Ended
	Dec. 31, 2017
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	null
Fair Value Measurements, Nonrecurring [Table Text Block]	null
Fair Value, by Balance Sheet Grouping [Table Text Block]	nullnull
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	null

Note 9 - Loans (Tables)

Note 9 - Loans (Tables)	9 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	null
Financing Receivable Credit Quality Indicators [Table Text Block]	null
Past Due Financing Receivables [Table Text Block]	null
Impaired Financing Receivables [Table Text Block]	null
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	nullnull
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	null
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	null
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods [Table Text Block]	null
Real Estate Owned [Table Text Block]	nullnull
Schedule of Charge-offs [Table Text Block]	null
Allowance for Credit Losses on Financing Receivables [Table Text Block]	null

Note 10 - Investment Securiti23

Note 10 - Investment Securities (Tables)	9 Months Ended
	Dec. 31, 2017
Notes Tables
Held-to-maturity Securities [Table Text Block]	nullnull
Available-for-sale Securities [Table Text Block]	nullnull
Investments Classified by Contractual Maturity Date [Table Text Block]	nullnull
Schedule of Unrealized Loss on Investments [Table Text Block]	nullnull

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation (Details Textual)	Oct. 16, 2013USD ($)shares
Stock Issued During Period, Shares, New Issues | shares	525,423
Exchange of Common Stock Shares | 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

Note 3 - Deferred Income Taxes (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Mar. 31, 2019
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability	$ 428
Discrete Tax Expense, Per Diluted Share	$ 0.46
GAAP Capital Ratio, Basis Points in Excess of Tier 1 Regulatory Capital Ratio	107.00%
Scenario, Forecast [Member]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent		21.00%

Note 4 - Income Taxes (Details

Note 4 - Income Taxes (Details Textual) $ in Thousands	9 Months Ended
	Dec. 31, 2017USD ($)
Liability for Uncertainty in Income Taxes, Current	$ 0
Earliest Tax Year [Member] | Federal and State Jurisdiction [Member]
Open Tax Year	2,014
Latest Tax Year [Member] | Federal and State Jurisdiction [Member]
Open Tax Year	2,016

Note 5 - Earnings Per Share - E

Note 5 - Earnings Per Share - Earnings Per Share Reconciliation (Details) - USD ($)	3 Months Ended		9 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Numerator	$ (478,739)	$ 3,319	$ (325,271)	$ 81,205
Denominators:
Basic shares outstanding (in shares)	913,758	910,239	913,758	910,239
Effect of dilutive securities (in shares)		4,252		4,252
Dilutive shares outstanding (in shares)	913,758	914,491	913,758	914,491
Earnings per share:
Basic (in dollars per share)	$ (0.52)	$ 0	$ (0.36)	$ 0.09
Dilutive (in dollars per share)	$ (0.52)	$ 0	$ (0.36)	$ 0.09

Note 8 - Fair Value of Financ28

Note 8 - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
Available-for-sale securities	$ 2,065,571	$ 2,594,888
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities	2,066,000	2,595,000
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities

Note 8 - Fair Value of Financ29

Note 8 - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Mar. 31, 2017
Fair Value, Inputs, Level 1 [Member]
Total
Fair Value, Inputs, Level 2 [Member]
Total
Fair Value, Inputs, Level 3 [Member]
Total	5,238	6,154
Impaired Loans [Member] | Fair Value, Inputs, Level 1 [Member]
Impaired loans
Impaired Loans [Member] | Fair Value, Inputs, Level 2 [Member]
Impaired loans
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans	3,927	4,883
Real Estate Owned [Member] | Fair Value, Inputs, Level 1 [Member]
Real estate owned
Real Estate Owned [Member] | Fair Value, Inputs, Level 2 [Member]
Real estate owned
Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member]
Real estate owned	$ 1,311	$ 1,271

Note 8 - Fair Value of Financ30

Note 8 - Fair Value of Financial Instruments - Estimated Fair Value of Assets and Liabilities (Details) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
Financial Assets:
Investment securities-available for sale	$ 2,065,571	$ 2,594,888
Investment securities-held to maturity	20,655,700	21,797,695
Accrued interest receivable	378,836	378,243
Bank-owned life insurance	178,514	178,514
Financial Liabilities:
Advance payments by borrowers for taxes and insurance	446,000	500,485
Reported Value Measurement [Member]
Financial Assets:
Cash and cash equivalents	11,736,000	6,999,000
Investment securities-available for sale	2,066,000	2,589,000
Investment securities-held to maturity	21,282,000	22,623,000
Impaired loans	83,702,000	84,414,000
FHLB stock	102,000	124,000
Accrued interest receivable	379,000	378,000
Bank-owned life insurance	179,000	179,000
Real estate owned	1,311,000	1,271,000
Total financial assets	120,757,000	118,577,000
Loans receivable,– net	83,702,000	84,414,000
Financial Liabilities:
Deposits-non-interest bearing	12,365,000	11,704,000
Deposits-interest bearing	101,224,000	100,377,000
Advance payments by borrowers for taxes and insurance	446,000	500,000
Accrued interest payable	2,000	6,000
Total financial liabilities	114,037,000	112,587,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Cash and cash equivalents	11,736,000	6,999,000
Investment securities-available for sale
Investment securities-held to maturity
Impaired loans
FHLB stock	102,000	124,000
Accrued interest receivable	379,000	378,000
Bank-owned life insurance	179,000	179,000
Real estate owned
Total financial assets	12,396,000	7,680,000
Loans receivable,– net
Financial Liabilities:
Deposits-non-interest bearing	12,365,000	11,704,000
Deposits-interest bearing
Advance payments by borrowers for taxes and insurance	446,000	500,000
Accrued interest payable	2,000	6,000
Total financial liabilities	12,813,000	12,210,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Cash and cash equivalents
Investment securities-available for sale	2,066,000	2,595,000
Investment securities-held to maturity	20,656,000	21,798,000
Impaired loans
FHLB stock
Accrued interest receivable
Bank-owned life insurance
Real estate owned
Total financial assets	22,722,000	24,393,000
Loans receivable,– net
Financial Liabilities:
Deposits-non-interest bearing
Deposits-interest bearing	99,530,000	99,183,000
Advance payments by borrowers for taxes and insurance
Accrued interest payable
Total financial liabilities	99,530,000	99,183,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Cash and cash equivalents
Investment securities-available for sale
Investment securities-held to maturity
Impaired loans	85,243,000	83,833,000
FHLB stock
Real estate owned	1,311,000	1,271,000
Total financial assets	86,554,000	85,104,000
Loans receivable,– net	85,243,000	83,833,000
Financial Liabilities:
Deposits-non-interest bearing
Deposits-interest bearing
Advance payments by borrowers for taxes and insurance
Total financial liabilities

Note 8 - Fair Value of Financ31

Note 8 - Fair Value of Financial Instruments - Off-balance Sheet Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Mar. 31, 2017
Commitments to Extend Credit [Member]
Off-balance sheet instruments
Commitments to extend credit	$ 7,061	$ 6,620

Note 9 - Loans (Details Textual

Note 9 - Loans (Details Textual) $ in Thousands	9 Months Ended	12 Months Ended
	Dec. 31, 2017USD ($)	Mar. 31, 2017USD ($)
Maximum Loan to One Borrower Limitation, Percentage of Capital Funds	15.00%
Maximum Loan to One Borrower Limitation	$ 1,900
Additional Loan to One Borrower Limitation if Collateralized, Percentage of Adjusted Capital Funds	10.00%
Adjusted Capital Funds Value	$ 1,300
Financing Receivable, Modifications, Recorded Investment	1,942	$ 2,376
Financing Receivable, Recorded Investment, Nonaccrual Status	1,985	1,911
Impaired Financing Receivable, Average Recorded Investment	4,296	5,225
Impaired Financing Receivable, Interest Income, Cash Basis Method	102	$ 173
Financing Receivable Nonaccrual, Downgraded from Accruing Status	697
Allowance for Loan and Lease Losses, Write-offs	$ 50
Allowance for Loan Loss to Loans Outstanding Ratio	1.19%
Increase (Decrease) in Non-performing Assets	$ (320)
Non-performing Assets As Percentage of Total Assets	4.09%	4.38%
Partial Charge-offs [Member]
Allowance for Loan and Lease Losses, Write-offs	$ 50	$ 175
Total Charge-offs [Member]
Allowance for Loan and Lease Losses, Write-offs		40
Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment	$ 327	$ 1,296
Nonperforming Financial Instruments [Member] | Payment Deferral [Member]
Financing Receivable, Modifications, Number of Contracts	6
Financing Receivable, Modifications, Recorded Investment	$ 871
In Non-accrual Status [Member]
Financing Receivable, Number of Contracts, Nonaccrual Status	16	17
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 2,300	$ 3,200
Increase (Decrease) in Finance Receivables	(895)
Proceeds from Collection of Loans Receivable	$ 9
Residential Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts		1
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 1,308	$ 1,180
Financing Receivable Non-accrual, Returned to Accruing Status	222
Financing Receivable Nonaccrual Status, Transferred to Real Estate Owned	410
Financing Receivable Nonaccrual, Downgraded from Accruing Status	385
Allowance for Loan and Lease Losses, Write-offs	0	102
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment	$ 327	740
Residential Portfolio Segment [Member] | Maximum [Member]
Loan Origination, Percentage of Appraised Value or Selling Price	80.00%
Owner Occupied Property [Member] | Maximum [Member]
Loan Term	30 years
Non-owner Occupied Property [Member] | Maximum [Member]
Loan Term	30 years
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 547	506
Financing Receivable, Non-accrual Status, Sold During Period	253
Financing Receivable Nonaccrual, Downgraded from Accruing Status	298
Allowance for Loan and Lease Losses, Write-offs	50	71
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment		425
Commercial Real Estate Portfolio Segment [Member] | Maximum [Member]
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]
Interest Rate Maturity Or Re-price	5 years
Construction Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status
Allowance for Loan and Lease Losses, Write-offs	0
Construction Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment
Construction Portfolio Segment [Member] | Maximum [Member]
Loan Term	1 year
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 14
Financing Receivable Nonaccrual, Downgraded from Accruing Status	14
Allowance for Loan and Lease Losses, Write-offs	0
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment
Consumer Portfolio Segment [Member] | Maximum [Member]
Loan Origination, Percentage of Appraised Value or Selling Price	80.00%
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 116	172
Financing Receivable Non-accrual, Returned to Accruing Status	479
Financing Receivable, Nonaccrual Status, Partial Charge-Offs	35
Allowance for Loan and Lease Losses, Write-offs
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment
Home Equity Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Nonaccrual Status		53
Financing Receivable Non-accrual, Returned to Accruing Status	184
Allowance for Loan and Lease Losses, Write-offs		42
Home Equity Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications, Recorded Investment		$ 131

Note 9 - Loans - Loans (Details

Note 9 - Loans - Loans (Details) - USD ($)	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017	Mar. 31, 2016
Loans	$ 84,762,000	$ 84,762,000	$ 85,477,000
Net deferred loan origination fees		(54,000)	(62,000)
Allowance for loan losses	(1,005,774)	(1,006,000)	(1,001,449)	$ (1,099,000)
Loans, net	83,701,818	83,702,000	84,414,361
Residential Portfolio Segment [Member]
Loans	60,450,000	60,450,000	61,419,000
Allowance for loan losses	(578,000)		(575,000)
Commercial Real Estate Portfolio Segment [Member]
Loans	12,679,000	12,679,000	12,071,000
Allowance for loan losses	(264,000)		(274,000)
Commercial Portfolio Segment [Member]
Loans	2,854,000	2,854,000	1,858,000
Allowance for loan losses	(66,000)		(64,000)
Home Equity Portfolio Segment [Member]
Loans	8,083,000	8,083,000	8,812,000
Allowance for loan losses	(77,000)		(74,000)
Consumer Portfolio Segment [Member]
Loans	645,000	645,000	637,000
Allowance for loan losses	(19,000)		(12,000)
Construction Portfolio Segment [Member]
Loans	51,000	$ 51,000	680,000
Allowance for loan losses	$ (2,000)		$ (2,000)

Note 9 - Loans - Loans by Credi

Note 9 - Loans - Loans by Credit Quality Indicator (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017
Loans	$ 84,762	$ 84,762	$ 85,477
Nonperforming Financial Instruments [Member]
Loans	3,927
Pass [Member]
Loans	80,584
Special Mention [Member]
Loans
Classified Loans [Member]
Loans	251
Residential Portfolio Segment [Member]
Loans	60,450	60,450	61,419
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	2,318
Residential Portfolio Segment [Member] | Pass [Member]
Loans	58,132
Residential Portfolio Segment [Member] | Special Mention [Member]
Loans
Residential Portfolio Segment [Member] | Classified Loans [Member]
Loans
Commercial Real Estate Portfolio Segment [Member]
Loans	12,679	12,679	12,071
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	1,203
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loans	11,313
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans
Commercial Real Estate Portfolio Segment [Member] | Classified Loans [Member]
Loans	163
Commercial Portfolio Segment [Member]
Loans	2,854	2,854	1,858
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	116
Commercial Portfolio Segment [Member] | Pass [Member]
Loans	2,650
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans
Commercial Portfolio Segment [Member] | Classified Loans [Member]
Loans	88
Home Equity Portfolio Segment [Member]
Loans	8,083	8,083	8,812
Home Equity Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	225
Home Equity Portfolio Segment [Member] | Pass [Member]
Loans	7,858
Home Equity Portfolio Segment [Member] | Special Mention [Member]
Loans
Home Equity Portfolio Segment [Member] | Classified Loans [Member]
Loans
Consumer Portfolio Segment [Member]
Loans	645	645	637
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	14
Consumer Portfolio Segment [Member] | Pass [Member]
Loans	631
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans
Consumer Portfolio Segment [Member] | Classified Loans [Member]
Loans
Construction Portfolio Segment [Member]
Loans	51	$ 51	$ 680
Construction Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	51
Construction Portfolio Segment [Member] | Pass [Member]
Loans
Construction Portfolio Segment [Member] | Special Mention [Member]
Loans
Construction Portfolio Segment [Member] | Classified Loans [Member]
Loans

Note 9 - Loans - Past Due Loans

Note 9 - Loans - Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017
Past due loans	$ 4,159
Current loans	80,603
Loans	$ 84,762	$ 84,762	$ 85,477
Percentage past due loans	4.91%
Percentage of current loans	95.09%
Percentage of Total Loans	100.00%
Residential Portfolio Segment [Member]
Past due loans	$ 2,277
Current loans	58,173
Loans	60,450	60,450	61,419
Commercial Real Estate Portfolio Segment [Member]
Past due loans	1,660
Current loans	11,019
Loans	12,679	12,679	12,071
Commercial Portfolio Segment [Member]
Past due loans	116
Current loans	2,738
Loans	2,854	2,854	1,858
Home Equity Portfolio Segment [Member]
Past due loans	64
Current loans	8,019
Loans	8,083	8,083	8,812
Consumer Portfolio Segment [Member]
Past due loans	42
Current loans	603
Loans	645	645	637
Construction Portfolio Segment [Member]
Current loans	51
Loans	51	$ 51	$ 680
Financing Receivables, 30 to 59 Days Past Due [Member]
Past due loans	$ 1,320
Percentage past due loans	1.56%
Financing Receivables, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past due loans	$ 278
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past due loans	950
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Past due loans
Financing Receivables, 30 to 59 Days Past Due [Member] | Home Equity Portfolio Segment [Member]
Past due loans	64
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past due loans	28
Financing Receivables, 60 to 89 Days Past Due [Member]
Past due loans	$ 527
Percentage past due loans	0.62%
Financing Receivables, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past due loans	$ 364
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past due loans	163
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Past due loans
Financing Receivables, 60 to 89 Days Past Due [Member] | Home Equity Portfolio Segment [Member]
Past due loans
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past due loans
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	$ 2,312
Percentage past due loans	2.73%
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past due loans	$ 1,635
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past due loans	547
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Past due loans	116
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Home Equity Portfolio Segment [Member]
Past due loans
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past due loans	$ 14

Note 9 - Loans - Impaired Loans

Note 9 - Loans - Impaired Loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Dec. 31, 2017	Mar. 31, 2017
Impaired loans for which a valuation allowance has been provided
Impaired loans for which no valuation allowance has been provided	3,927	4,883
Total loans determined to be impaired	3,927	4,883
Allowance for loans losses related to impaired loans
Average recorded investment in impaired loans	4,296	5,225
Cash basis interest income recognized on impaired loans	$ 102	$ 173

Note 9 - Loans - Impaired Loa37

Note 9 - Loans - Impaired Loans by Portfolio (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Dec. 31, 2017	Mar. 31, 2017
Recorded investment, no valuation allowance	$ 4,004	$ 4,963
Unpaid principal balance, no valuation allowance	3,927	4,883
Average annual recorded investment, no valuation allowance	4,296	5,225
Interest income recognized while on impaired status, no valuation allowance	102	173
Residential Portfolio Segment [Member]
Recorded investment, no valuation allowance	2,039	2,289
Unpaid principal balance, no valuation allowance	1,979	2,239
Average annual recorded investment, no valuation allowance	2,182	2,711
Interest income recognized while on impaired status, no valuation allowance	39	60
Commercial Real Estate Portfolio Segment [Member]
Recorded investment, no valuation allowance	1,554	2,162
Unpaid principal balance, no valuation allowance	1,542	2,141
Average annual recorded investment, no valuation allowance	1,662	2,060
Interest income recognized while on impaired status, no valuation allowance	37	94
Commercial Portfolio Segment [Member]
Recorded investment, no valuation allowance	116	171
Unpaid principal balance, no valuation allowance	116	171
Average annual recorded investment, no valuation allowance	135	153
Interest income recognized while on impaired status, no valuation allowance	11	9
Home Equity Portfolio Segment [Member]
Recorded investment, no valuation allowance	225	283
Unpaid principal balance, no valuation allowance	225	279
Average annual recorded investment, no valuation allowance	259	242
Interest income recognized while on impaired status, no valuation allowance	13	7
Consumer Portfolio Segment [Member]
Recorded investment, no valuation allowance	14
Unpaid principal balance, no valuation allowance	14
Average annual recorded investment, no valuation allowance	2	1
Interest income recognized while on impaired status, no valuation allowance
Construction Portfolio Segment [Member]
Recorded investment, no valuation allowance	56	58
Unpaid principal balance, no valuation allowance	51	53
Average annual recorded investment, no valuation allowance	56	58
Interest income recognized while on impaired status, no valuation allowance	$ 2	$ 3

Note 9 - Loans - Nonaccrual Loa

Note 9 - Loans - Nonaccrual Loans (Details) - USD ($)	Dec. 31, 2017	Mar. 31, 2017	Mar. 31, 2016
Non-accrual loans:
Nonaccrual loans	$ 1,985,000	$ 1,911,000
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Troubled Debt Restructurings:
Troubled debt restructurings	1,942,000	2,376,000
Real estate owned	1,311,438	1,271,302	$ 1,763,000
Total non-performing assets	$ 128,179,446	$ 126,987,353
Non-performing loans as a percentage of loans	4.63%	5.02%
Non-performing assets as a percentage of loans and real estate owned	6.09%	6.41%
Non-performing assets as percentage of total assets	4.09%	4.38%
Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	$ 327,000	$ 1,296,000
Total non-performing loans	3,927,000	4,287,000
Real estate owned	1,311,000	1,271,000
Total non-performing assets	5,238,000	5,558,000
Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	1,615,000	1,080,000
Residential Portfolio Segment [Member]
Non-accrual loans:
Nonaccrual loans	1,308,000	1,180,000
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	327,000	740,000
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	683,000	693,000
Commercial Real Estate Portfolio Segment [Member]
Non-accrual loans:
Nonaccrual loans	547,000	506,000
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings		425,000
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	656,000	240,000
Commercial Portfolio Segment [Member]
Non-accrual loans:
Nonaccrual loans	116,000	172,000
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings
Commercial Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings
Consumer Portfolio Segment [Member]
Non-accrual loans:
Nonaccrual loans	14,000
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings
Home Equity Portfolio Segment [Member]
Non-accrual loans:
Nonaccrual loans		53,000
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Home Equity Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings		131,000
Home Equity Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	225,000	95,000
Construction Portfolio Segment [Member]
Non-accrual loans:
Nonaccrual loans
Accruing loans past due 90 days or more:
Accruing loans past 90 days or more
Construction Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings
Construction Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled Debt Restructurings:
Troubled debt restructurings	$ 51,000	$ 52,000

Note 9 - Loans - Troubled Debt

Note 9 - Loans - Troubled Debt Restructurings (Details) - Residential Portfolio Segment [Member] $ in Thousands	9 Months Ended	12 Months Ended
	Dec. 31, 2017USD ($)	Mar. 31, 2017USD ($)
Number of contracts		1
Outstanding recorded investment pre-modification		$ 77
Outstanding recorded investment post-modification		$ 96

Note 9 - Loans - Troubled Deb40

Note 9 - Loans - Troubled Debt Restructurings That Subsequently Defaulted (Details) - Residential Portfolio Segment [Member]	9 Months Ended
	Dec. 31, 2017USD ($)
Troubled debt restructurings that subsequently defaulted, number of contracts
Troubled debt restructurings that subsequently defaulted, recorded investment

Note 9 - Loans - Real Estate Ow

Note 9 - Loans - Real Estate Owned (REO), Net of Valuation Allowance (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Mar. 31, 2017
Balance, beginning of period			$ 1,271,302	$ 1,763,000	$ 1,763,000
Additions from loan foreclosures			410,000		500,000
Additions from capitalized costs					26,000
Dispositions of REO			(349,000)		(922,000)
Gain (loss) on sale of REO	$ (1,218)	$ 300	22,197	(2,540)	(34,000)
Valuation adjustments in the period			(44,000)		(62,000)
Balance, end of period	1,311,438		1,311,438		1,271,302
Balance, beginning of period			104,000	$ 227,000	227,000
Valuation adjustments added in the period			80,000		62,000
Valuation adjustments on disposed properties during the period			(36,000)		(185,000)
Balance, end of period	$ 148,000		$ 148,000		$ 104,000

Note 9 - Loans - Allowance for

Note 9 - Loans - Allowance for Losses on Loans and Charge-offs (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Mar. 31, 2017	Sep. 30, 2017
Balance, beginning of year	$ 1,006,000		$ 1,001,449	$ 1,099,000	$ 1,099,000
Provision:
Recovery of loan losses	(25,000)	$ 26,000	(110,000)	$ (22,000)	(22,000)
Charge-offs:
Loan charge-offs			50,000
Recoveries			(165,000)		(139,000)
Total Net Charge-Offs			(115,000)		76,000
Balance, end of period	1,005,774		1,005,774		1,001,449
Loans	$ 84,762,000		84,762,000		85,477,000	$ 84,762,000
Average loans outstanding			$ 85,324,000		$ 84,426,000
Allowance as a percentage of period-end loans	1.19%		1.19%		1.17%
Net charge-offs as a percentage of average loans	(0.13%)		(0.13%)		0.09%
Commercial Portfolio Segment [Member]
Balance, beginning of year			$ 64,000
Provision:
Recovery of loan losses					$ (45,000)
Charge-offs:
Loan charge-offs
Recoveries			(2,000)
Balance, end of period	$ 66,000		66,000		64,000
Loans	2,854,000		2,854,000		1,858,000	2,854,000
Commercial Real Estate Portfolio Segment [Member]
Balance, beginning of year			274,000
Provision:
Recovery of loan losses			(7,000)		(61,000)
Charge-offs:
Loan charge-offs			50,000		71,000
Recoveries			(47,000)
Balance, end of period	264,000		264,000		274,000
Loans	12,679,000		12,679,000		12,071,000	12,679,000
Residential Portfolio Segment [Member]
Balance, beginning of year			575,000
Provision:
Recovery of loan losses			(70,000)		98,000
Charge-offs:
Loan charge-offs			0		102,000
Recoveries			(73,000)
Balance, end of period	578,000		578,000		575,000
Loans	60,450,000		60,450,000		61,419,000	60,450,000
Home Equity Portfolio Segment [Member]
Balance, beginning of year			74,000
Provision:
Recovery of loan losses			(32,000)		29,000
Charge-offs:
Loan charge-offs					42,000
Recoveries			(35,000)
Balance, end of period	77,000		77,000		74,000
Loans	8,083,000		8,083,000		8,812,000	8,083,000
Consumer Portfolio Segment [Member]
Balance, beginning of year			12,000
Provision:
Recovery of loan losses			(1,000)		(45,000)
Charge-offs:
Loan charge-offs			0
Recoveries			(8,000)
Balance, end of period	19,000		19,000		12,000
Loans	645,000		645,000		637,000	645,000
Construction Portfolio Segment [Member]
Balance, beginning of year			2,000
Provision:
Recovery of loan losses					2,000
Charge-offs:
Loan charge-offs			0
Recoveries			0
Balance, end of period	2,000		2,000		2,000
Loans	$ 51,000		$ 51,000		$ 680,000	$ 51,000

Note 9 - Loans - Allowance fo43

Note 9 - Loans - Allowance for Loan Losses (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Mar. 31, 2017	Sep. 30, 2017
Balance, beginning of year	$ 1,006,000		$ 1,001,449	$ 1,099,000	$ 1,099,000
Loan charge-offs			(50,000)
Recoveries			165,000		139,000
Provision for loan losses	(25,000)	$ 26,000	(110,000)	$ (22,000)	(22,000)
Balance, end of period	1,005,774		1,005,774		1,001,449
Ending balance for loans individually evaluated for impairment	3,585,000		3,585,000
Ending balance for loans collectively evaluated for impairment	81,177,000		81,177,000
Ending balance	84,762,000		84,762,000		85,477,000	$ 84,762,000
Ending balance: loans individually evaluated for impairment	3,585,000		3,585,000
Ending balance: loans collectively evaluated for impairment	81,177,000		81,177,000
Commercial Portfolio Segment [Member]
Balance, beginning of year			64,000
Loan charge-offs
Recoveries			2,000
Provision for loan losses					(45,000)
Balance, end of period	66,000		66,000		64,000
Ending balance for loans individually evaluated for impairment	186,000		186,000
Ending balance for loans collectively evaluated for impairment	2,668,000		2,668,000
Ending balance	2,854,000		2,854,000		1,858,000	2,854,000
Ending balance: loans individually evaluated for impairment	186,000		186,000
Ending balance: loans collectively evaluated for impairment	2,668,000		2,668,000
Commercial Real Estate Portfolio Segment [Member]
Balance, beginning of year			274,000
Loan charge-offs			(50,000)		(71,000)
Recoveries			47,000
Provision for loan losses			(7,000)		(61,000)
Balance, end of period	264,000		264,000		274,000
Ending balance for loans individually evaluated for impairment	805,000		805,000
Ending balance for loans collectively evaluated for impairment	11,874,000		11,874,000
Ending balance	12,679,000		12,679,000		12,071,000	12,679,000
Ending balance: loans individually evaluated for impairment	805,000		805,000
Ending balance: loans collectively evaluated for impairment	11,874,000		11,874,000
Residential Portfolio Segment [Member]
Balance, beginning of year			575,000
Loan charge-offs			0		(102,000)
Recoveries			73,000
Provision for loan losses			(70,000)		98,000
Balance, end of period	578,000		578,000		575,000
Ending balance for loans individually evaluated for impairment	2,084,000		2,084,000
Ending balance for loans collectively evaluated for impairment	58,366,000		58,366,000
Ending balance	60,450,000		60,450,000		61,419,000	60,450,000
Ending balance: loans individually evaluated for impairment	2,084,000		2,084,000
Ending balance: loans collectively evaluated for impairment	58,366,000		58,366,000
Home Equity Portfolio Segment [Member]
Balance, beginning of year			74,000
Loan charge-offs					(42,000)
Recoveries			35,000
Provision for loan losses			(32,000)		29,000
Balance, end of period	77,000		77,000		74,000
Ending balance for loans individually evaluated for impairment	459,000		459,000
Ending balance for loans collectively evaluated for impairment	7,624,000		7,624,000
Ending balance	8,083,000		8,083,000		8,812,000	8,083,000
Ending balance: loans individually evaluated for impairment	459,000		459,000
Ending balance: loans collectively evaluated for impairment	7,624,000		7,624,000
Consumer Portfolio Segment [Member]
Balance, beginning of year			12,000
Loan charge-offs			0
Recoveries			8,000
Provision for loan losses			(1,000)		(45,000)
Balance, end of period	19,000		19,000		12,000
Ending balance for loans individually evaluated for impairment
Ending balance for loans collectively evaluated for impairment	645,000		645,000
Ending balance	645,000		645,000		637,000	645,000
Ending balance: loans individually evaluated for impairment
Ending balance: loans collectively evaluated for impairment	645,000		645,000
Construction Portfolio Segment [Member]
Balance, beginning of year			2,000
Loan charge-offs			0
Recoveries			0
Provision for loan losses					2,000
Balance, end of period	2,000		2,000		2,000
Ending balance for loans individually evaluated for impairment	51,000		51,000
Ending balance for loans collectively evaluated for impairment
Ending balance	51,000		51,000		$ 680,000	$ 51,000
Ending balance: loans individually evaluated for impairment	51,000		51,000
Ending balance: loans collectively evaluated for impairment

Note 10 - Investment Securiti44

Note 10 - Investment Securities (Details Textual)	Dec. 31, 2017
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	41
Securities in Unrealized Loss Positions, Depreciated Percentage from Amortized Cost	3.10%

Note 10 - Investment Securiti45

Note 10 - Investment Securities - Held-to-maturity Securities (Details) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
Held-to-maturity securities, amortized cost	$ 21,281,594	$ 22,622,835
Held-to-maturity securities, gross unrealized gains	32,000	58,000
Held-to-maturity securities, gross unrealized losses	(658,000)	(883,000)
Securities held-to-maturity , fair value	20,655,700	21,797,695
US Government Agencies Debt Securities [Member]
Held-to-maturity securities, amortized cost	19,918,000	20,418,000
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses	(655,000)	(865,000)
Securities held-to-maturity , fair value	19,263,000	19,553,000
Municipal Bonds [Member]
Held-to-maturity securities, amortized cost	810,000	1,536,000
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses	(3,000)	(3,000)
Securities held-to-maturity , fair value	807,000	1,533,000
Collateralized Mortgage Backed Securities [Member]
Held-to-maturity securities, amortized cost	554,000	669,000
Held-to-maturity securities, gross unrealized gains	32,000	58,000
Held-to-maturity securities, gross unrealized losses		(15,000)
Securities held-to-maturity , fair value	$ 586,000	$ 712,000

Note 10 - Investment Securiti46

Note 10 - Investment Securities - Available-for-sale Securities (Details) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
Securities available-for-sale, amortized cost	$ 2,066,023	$ 2,588,817
Available-for-sale securities - gross unrealized gains	2,000	8,000
Available-for-sale securities - gross unrealized losses	(2,000)	(2,000)
Available-for-sale securities - fair value	2,065,571	2,594,888
Certificates of Deposit [Member]
Securities available-for-sale, amortized cost	2,000,000	2,000,000
Available-for-sale securities - gross unrealized gains	2,000	8,000
Available-for-sale securities - gross unrealized losses	(2,000)
Available-for-sale securities - fair value	2,000,000	2,008,000
Mutual Fund [Member]
Securities available-for-sale, amortized cost	66,000	89,000
Available-for-sale securities - gross unrealized gains
Available-for-sale securities - gross unrealized losses		(2,000)
Available-for-sale securities - fair value	$ 66,000	87,000
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized cost		500,000
Available-for-sale securities - gross unrealized gains
Available-for-sale securities - gross unrealized losses
Available-for-sale securities - fair value		$ 500,000

Note 10 - Investment Securiti47

Note 10 - Investment Securities - Maturities of Securities (Details) - USD ($)	Dec. 31, 2017	Mar. 31, 2017
Held to maturity, one year or less, amortized cost	$ 810,000	$ 1,536,000
Held to maturity, one year or less, fair value	807,000	1,534,000
Available for sale, one year or less, amortized cost
Available for sale, one year or less, fair value
Held to maturity, after one year through five years, amortized cost	686,000	500,000
Held to maturity, after one year through five years, fair value	678,000	497,000
Available for sale, after one year through five years, amortized cost	2,000,000
Available for sale, after one year through five years, fair value	2,000,000
Held to maturity, after five years through ten years, amortized cost	9,346,000	8,573,000
Held to maturity, after five years through ten years, fair value	9,073,000	8,292,000
Available for sale, after five years through ten years, amortized cost		2,000,000
Available for sale, after five years through ten years, fair value		2,008,000
Held to maturity, after ten years, amortized cost	10,440,000	12,014,000
Held to maturity, after ten years, fair value	10,098,000	11,475,000
Available for sale, after ten years, amortized cost		500,000
Available for sale, after ten years, fair value		500,000
Held to maturity, no single maturity, amortized cost
Held to maturity, no single maturity, fair value
Available for sale, no single maturity, amortized cost	66,000	89,000
Available for sale, no single maturity, fair value	66,000	87,000
Held to maturity, amortized cost	21,281,594	22,622,835
Held to maturity, fair value	20,655,700	21,797,695
Available for sale, amortized cost	2,066,000	2,589,000
Available for sale, fair value	$ 2,066,000	$ 2,595,000

Note 10 - Investment Securiti48

Note 10 - Investment Securities - Securities with Gross Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Mar. 31, 2017
Securities with unrealized losses, less than 12 months, fair value	$ 3,786	$ 21,338
Securities with unrealized losses, less than 12 months, gross unrealized losses	(24)	(868)
Securities with unrealized losses, 12 months or greater, fair value	17,281	303
Securities with unrealized losses, 12 months or greater, gross unrealized losses	(636)	(17)
Securities with unrealized losses, fair value	21,067	21,641
Securities with unrealized losses, gross unrealized losses	(660)	(885)
US Government Agencies Debt Securities [Member]
Securities with unrealized losses, less than 12 months, fair value	1,981	19,553
Securities with unrealized losses, less than 12 months, gross unrealized losses	(19)	(864)
Securities with unrealized losses, 12 months or greater, fair value	17,281
Securities with unrealized losses, 12 months or greater, gross unrealized losses	(636)
Securities with unrealized losses, fair value	19,262	19,553
Securities with unrealized losses, gross unrealized losses	(655)	(864)
Certificates of Deposit [Member]
Securities with unrealized losses, less than 12 months, fair value	998	249
Securities with unrealized losses, less than 12 months, gross unrealized losses	(2)	(1)
Securities with unrealized losses, 12 months or greater, fair value
Securities with unrealized losses, 12 months or greater, gross unrealized losses
Securities with unrealized losses, fair value	998	249
Securities with unrealized losses, gross unrealized losses	(2)	(1)
Municipal Bonds [Member]
Securities with unrealized losses, less than 12 months, fair value	807	1,536
Securities with unrealized losses, less than 12 months, gross unrealized losses	(3)	(3)
Securities with unrealized losses, 12 months or greater, fair value
Securities with unrealized losses, 12 months or greater, gross unrealized losses
Securities with unrealized losses, fair value	807	1,536
Securities with unrealized losses, gross unrealized losses	$ (3)	(3)
Mutual Fund [Member]
Securities with unrealized losses, less than 12 months, fair value
Securities with unrealized losses, less than 12 months, gross unrealized losses
Securities with unrealized losses, 12 months or greater, fair value		87
Securities with unrealized losses, 12 months or greater, gross unrealized losses		(2)
Securities with unrealized losses, fair value		87
Securities with unrealized losses, gross unrealized losses		(2)
Collateralized Mortgage Backed Securities [Member]
Securities with unrealized losses, less than 12 months, fair value
Securities with unrealized losses, less than 12 months, gross unrealized losses
Securities with unrealized losses, 12 months or greater, fair value		216
Securities with unrealized losses, 12 months or greater, gross unrealized losses		(15)
Securities with unrealized losses, fair value		216
Securities with unrealized losses, gross unrealized losses		$ (15)

Note 11 - Agreement and Plan 49

Note 11 - Agreement and Plan of Reorganization (Details Textual)	3 Months Ended
	Mar. 31, 2018shares
First Bank [Member] | Delanco Bancorp [Member] | Scenario, Forecast [Member]
Business Acquisition, Number of Acquirer Shares Convertible for Each Acquiree Share	1.11