Sugar Creek Financial (SUGRD) 10-K 29 Jun 15 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Mar. 31, 2015	Jun. 15, 2015	Sep. 30, 2014
Document Information [Line Items]
Entity Registrant Name	Sugar Creek Financial Corp./MD/
Entity Central Index Key	1,592,407
Current Fiscal Year End Date	--03-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		949,245
Document Type	10-K
Amendment Flag	false
Document Period End Date	Mar. 31, 2015
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,015
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Trading Symbol	SUGR
Entity Public Float			$ 7.6

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Assets
Cash and due from banks	$ 3,596,926	$ 4,013,453
Federal funds sold	11,580,000	8,860,000
FHLB daily investment account	1,543,082	3,774,375
Cash and cash equivalents	16,720,008	16,647,828
Stock in Federal Home Loan Bank of Chicago ("FHLBC")	1,165,513	1,165,513
Loans receivable, net of allowance for losses of $242,103 and $304,103	75,463,746	73,386,855
Premises and equipment, net	1,198,459	1,145,346
Foreclosed real estate	434,367	754,704
Accrued interest receivable on loans	257,576	241,411
Other assets	331,950	770,149
Total assets	95,571,619	94,111,806
Liabilities and Stockholders' Equity
Deposits	76,290,961	77,800,822
Accrued interest payable on deposits	50,070	38,371
Advances from FHLBC	5,000,000	5,000,000
Advances from borrowers for taxes and insurance	428,485	370,091
Other liabilities	297,680	301,922
Deferred tax liability	220,108	200,108
Total liabilities	$ 82,287,304	$ 83,711,314
Commitments and contingencies
Stockholders' equity:
Preferred stock, $.01 par value, 1,000,000 shares authorized; none issued or outstanding	$ 0	$ 0
Common stock, $.01 par value, 14,000,000 shares authorized; 949,245 and 906,879 shares issued	9,492	9,069
Additional paid-in capital	6,124,848	3,288,508
Treasury stock, at cost, 11,852 shares at March 31, 2014	0	(85,638)
Common stock acquired by Employee Stock Ownership Plan ("ESOP")	(432,527)	(183,670)
Retained earnings - substantially restricted	7,582,502	7,372,223
Total stockholders' equity	13,284,315	10,400,492
Total liabilities and stockholders' equity	$ 95,571,619	$ 94,111,806

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Loans and Leases Receivable, Allowance	$ 242,103	$ 304,103
Preferred Stock, Par or Stated Value Per Share (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Common Stock, Par or Stated Value Per Share (in dollars per share)	$ 0.01	$ 0.01
Common Stock, Shares Authorized	14,000,000	14,000,000
Common Stock, Shares, Issued	949,245	906,879
Treasury Stock, Shares		11,852

Consolidated Statements of Earn

Consolidated Statements of Earnings - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Loans receivable	$ 3,312,583	$ 3,414,591
Stock in FHLBC	5,828	3,496
Other interest-earning assets	23,004	19,577
Total interest income	3,341,415	3,437,664
Interest expense:
Deposits	458,591	448,575
Advances from FHLBC	238,771	238,771
Total interest expense	697,362	687,346
Net interest income	2,644,053	2,750,318
Provision for (credit to) loan losses	(62,000)	(62,958)
Net interest income after provision for (credit to) loan losses	2,706,053	2,813,276
Noninterest income:
Loan service charges	24,293	25,161
Service charges on deposit accounts	94,123	121,045
Other	13,039	18,970
Total noninterest income	131,455	165,176
Noninterest expense:
Compensation and benefits	1,331,995	1,307,148
Occupancy expense	140,118	128,888
Advertising	53,726	33,109
Equipment and data processing	395,208	352,729
FDIC premium expense	47,260	64,521
Operations of foreclosed real estate, net	85,458	35,946
Professional and regulatory fees	140,505	169,377
Other	283,431	220,541
Total noninterest expense	2,477,701	2,312,259
Earnings before income tax expense	359,807	666,193
Income tax expense	149,528	259,278
Net earnings	$ 210,279	$ 406,915
Basic and diluted earnings per share	$ 0.24	$ 0.46
Dividends per share	$ 0	$ 0.10

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($)	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Treasury Stock [Member]	Common Stock Acquired by ESOP [Member]	Retained Earnings [Member]
Balance at Mar. 31, 2013	$ 10,056,858	$ 9,069	$ 3,285,387	$ (82,907)	$ (207,369)	$ 7,052,678
Net earnings	406,915	0	0	0	0	406,915
Dividends, $.10 per share	(87,370)	0	0	0	0	(87,370)
Repurchase of common stock	(2,731)	0	0	(2,731)	0	0
Amortization of ESOP award	16,595	0	(7,104)	0	23,699	0
Equity incentive plan expense	10,225	0	10,225	0	0	0
Balance at Mar. 31, 2014	10,400,492	9,069	3,288,508	(85,638)	(183,670)	7,372,223
Net earnings	210,279	0	0	0	0	210,279
Treasury stock retired pursuant to reorganization	0	0	(85,638)	85,638	0	0
Amortization of ESOP award	59,269	0	8,456	0	50,813	0
Cancellation of Old Sugar Creek Financial Corp. shares	0	(9,069)	9,069	0	0	0
Net proceeds from stock offering	2,614,275	9,492	2,904,453	0	(299,670)	0
Balance at Mar. 31, 2015	$ 13,284,315	$ 9,492	$ 6,124,848	$ 0	$ (432,527)	$ 7,582,502

Consolidated Statements of Sto6

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0	$ 0.10

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - Entity [Domain] - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Cash flows from operating activities:
Net earnings	$ 210,279	$ 406,915
Adjustments to reconcile net earnings to net cash provided by operating activities:
Depreciation	93,212	84,509
Provision for (credit to) loan losses	(62,000)	(62,958)
Provision for losses on foreclosed real estate	68,712	15,000
ESOP expense	59,269	16,595
Equity incentive plan expense	0	10,225
Amortization of deferred loan fees, net	(15,949)	(24,182)
(Increase) decrease in accrued interest receivable	(16,165)	16,762
Decrease (increase) in other assets	438,199	(495,992)
Increase (decrease) in:
Accrued interest payable on deposits	11,699	(3,750)
Other liabilities	(4,242)	(34,365)
Accrued income taxes	0	(162,877)
Deferred tax liability	20,000	71,243
Net cash provided by (used for) operating activities	803,014	(162,875)
Cash flows from investing activities:
Net increase in loans receivable	(2,101,051)	(817,181)
Purchase of premises and equipment	(146,325)	(226,229)
Proceeds from sale of (additions to) foreclosed real estate	353,734	(31,234)
Net cash used for investing activities	(1,893,642)	(1,074,644)
Cash flows from financing activities:
Net (decrease) increase in deposits	(1,509,861)	3,527,149
Increase (decrease) in advances from borrowers for taxes and insurance	58,394	(3,094)
Cash dividends paid	0	(87,370)
Repurchase of common stock	0	(2,731)
Proceeds from sale of common stock	2,614,275	0
Net cash provided by financing activities	1,162,808	3,433,954
Net increase in cash and cash equivalents	72,180	2,196,435
Cash and cash equivalents at beginning of year	16,647,828	14,451,393
Cash and cash equivalents at end of year	16,720,008	16,647,828
Supplemental disclosures - cash paid:
Interest on deposits and advances from FHLBC	685,662	691,096
Federal and state income taxes	58,000	310,263
Noncash transactions:
Real estate acquired in settlement of loans	152,109	414,190
Financing of foreclosed real estate	50,000	0
Retirement of treasury stock	$ 85,638	$ 0

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	(1) Summary of Significant Accounting Policies The Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) is the officially recognized source of authoritative accounting principles generally accepted in the United States of America (“U.S. GAAP”) to be applied to nongovernmental entities. Revision of the ASC is accomplished by issuance of an Auditing Standards Update (“ASU”). On April 8, 2014, Sugar Creek Financial Corp. (the “Company”), the Maryland-chartered holding company for Tempo Bank (the “Bank”), completed the “second step” conversion of the Bank from the mutual holding company to the stock holding company form of organization (the “Conversion”) pursuant to an Amended and Restated Plan of Conversion and Reorganization. Upon completion of the Conversion, the Company became the holding company for the Bank and 535,127 0.01 7.00 414,118 each share of common stock of Old Sugar Creek Financial Corp. was converted into the right to receive 1.0453 shares of common stock The significant accounting policies which the Company and Bank follow in preparing and presenting the Company’s consolidated financial statements are: 13,123,082 12,634,375 569,613 FHLBC stock is evaluated for impairment in accordance with FASB ASC 942-325-35, “Financial Services-Depository and Lending-Investments-Other.” Determination of whether the FHLBC stock is impaired Is based on the assessment of the ultimate recoverability of cost rather than by recognizing declines in value. The determination of whether a decline affects the ultimate recoverability of costs is influenced by the significance of the decline in net assets compared to the capital of the FHLBC and the length of time this situation has persisted; the ability of the FHLBC to make payments required by law or regulation and operating performance; the impact of legislative and regulatory changes on member institutions and customer base and the liquidity of the FHLBC. Management believes that no impairment charge on FHLBC stock is necessary at March 31, 2015. The Bank considers a loan to be impaired when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement on a timely basis. The types of loans for which impairment is measured under FASB ASC 310-10-35, “Receivables,” include nonaccrual income property loans, large nonaccrual single-family loans and troubled debt restructurings, where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. A loan classified as a troubled debt restructuring will generally retain such classification until paid in full. However, a troubled debt restructuring that is performing with its modified terms for a sustained period of one year and yields a market rate of interest at the time of the restructuring is removed from such classification. Allowance for losses is available to absorb losses incurred on loans receivable and represents additions charged to expense, less net charge-offs. Loans are charged-off in the period deemed uncollectible. Recoveries of loans previously charged-off are recorded when received. The allowance consists of allocated and general components. The allocated component relates to loans that are individually classified as impaired, for which the carrying value of the loan exceeds the fair value of the collateral or the present value of expected future cash flows, or loans otherwise adversely classified. The general component covers non-impaired loans and is based on the historical loan loss experience for the last three years, including adjustments to historical loss experience, maintained to cover uncertainties that affect the Bank’s estimate of probable losses for each loan type. The adjustments to historical loss experience are based on evaluation of several factors, including changes in lending policies and procedures; changes in collection, charge-off and recovery practices; changes in the nature and volume of the loan portfolio; changes in the volume and severity of nonperforming loans; the existence and effect of any concentrations of credit and changes in the level of such concentrations; and changes in current, national and local economic and business conditions. Management believes that all known and inherent losses in the loan portfolio that are probable and reasonable to estimate have been recorded as of each balance sheet date. fifteen forty years three ten years A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and penalties related to tax positions in income tax expense. Compensation expense for restricted stock is recognized based on the fair value of awards at the grant date and is recognized on a straight-line basis over the requisite service period, defined as the vesting period. Years Ended March 31, 2015 2014 Basic and diluted earnings per share: Net earnings $ 210,279 $ 406,915 Less dividends paid: Common stock - 87,016 Participating securities - 354 Undistributed earnings $ 210,279 $ 319,545 Weighted-average basic and diluted shares and participating securities outstanding 889,902 875,776 Distributed earnings per share $ - $ 0.10 Undistributed earnings per share 0.24 0.36 Net earnings per share $ 0.24 $ 0.46 In January 2014, the FASB issued ASU No. 2014-04, Receivables – Troubled Debt Restructurings by Creditor (Subtopic 310-40).” The provisions of ASU 2014-04 require reclassification of a residential real estate loan to foreclosed real estate upon obtaining legal title to the property, which could occur either through foreclosure or deed in lieu of foreclosure. The existence of the borrower’s right of redemption will not prevent the lender from reclassifying a loan to foreclosed real estate once the lender obtains legal title to the property. Entities are required to disclose the amount of foreclosed residential real estate and such loans in the process of foreclosure on an interim and annual basis. The provisions of ASU 2014-04 were early adopted, effective January 1, 2015, and did not have a material impact on the Company’s Consolidated Financial Statements.

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Mar. 31, 2015
Risks and Uncertainties [Abstract]
Risk And Uncertainties Disclosure [Text Block]	(2) Risks and Uncertainties The Bank is a community oriented financial institution that provides traditional financial services within the areas it serves. The Bank is engaged primarily in the business of attracting deposits from the general public and using these funds to originate primarily one- to four-family residential mortgage loans located in the Clinton, St. Clair, Madison and Bond County, Illinois area. Further, operations of the Bank are managed and financial performance is evaluated on an institution-wide basis. As a result, all of the Bank’s operations are considered by management to be aggregated in one reportable operating segment. The financial statements have been prepared in conformity with U.S. GAAP. In preparing the financial statements, management is required to make estimates and assumptions which affect the reported amounts of assets and liabilities as of the balance sheet dates and income and expenses for the periods covered. Actual results could differ significantly from these estimates and assumptions. The Bank's operations are affected by interest rate risk, credit risk, market risk and regulations by the Office of the Comptroller of the Currency (“OCC”). The Bank is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice more rapidly, or on a different basis, than its interest-earning assets. The Bank uses a net market value methodology provided by an outside consulting firm to measure its interest rate risk exposure and potential decline in the net portfolio value of the Bank. Net portfolio value is the present value of expected net cash flows from the Bank's assets, liabilities and off-balance sheet contracts. Credit risk is the risk of default on the Bank's loan portfolio that results from inability or unwillingness of borrowers to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Bank. The Bank is subject to periodic examination by the OCC that may require the Bank to record increases in the allowances based on their evaluation of available information. There can be no assurance that the OCC will not require further increases to the allowances.

Loans Receivable, Net

Loans Receivable, Net	12 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Financing Receivables [Text Block]	(3) Loans Receivable, Net At March 31, 2015 2014 Real estate loans: Single-family, owner occupied $ 61,255,147 $ 58,115,912 Single-family, non-owner occupied 8,162,534 8,437,076 Multi-family, 5 or more units 721,130 782,917 Commercial 2,878,651 2,980,571 Land 1,212,874 1,553,915 Consumer loans 1,562,398 1,912,416 75,792,734 73,782,807 Allowance for losses (242,103) (304,103) Deferred loan fees, net (86,885) (91,849) Total loans $ 75,463,746 $ 73,386,855 The weighted-average rate on loans was 4.36 4.50 36,219,383 32,927,614 There were no real estate construction loans at March 31, 2015 or 2014. The risk characteristics of each loan portfolio segment are as follows: Single-family, owner occupied Single-family, owner occupied loans are underwritten based on the applicant’s employment and credit history and the appraised value of the property. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers. Single-family, non-owner occupied Single-family, non-owner occupied loans carry greater inherent risks than single-family, owner occupied loans, since the repayment ability of the borrower is reliant on the success of the income generated from the property. Multi-family, 5 or more units Multi-family real estate loans are typically secured by apartment complexes. Commercial real estate Commercial real estate loans are secured primarily by office buildings and various income-producing properties. Commercial real estate loans are underwritten based on the economic viability of the property and creditworthiness of the borrower, with emphasis given to projected cash flows as a percentage of debt service requirements. These loans carry significant credit risks as they involve larger balances concentrated with single borrowers or groups of related borrowers. Repayment of loans secured by income-producing properties generally depends on the successful operation of the real estate project and may be subject to a greater extent to adverse market conditions and the general economy. Land Land loans are secured by unimproved land with terms of fifteen years or less and loan amounts that do not exceed 85% of the lesser of the appraised value or the purchase price Consumer Consumer loans include automobile, signature and other consumer loans. Potential credit risks include rapidly depreciable assets, such as automobiles, which could adversely affect the value of the collateral. Allowance for Loan Losses Beginning Provision for Ending Balance Losses Charge-offs Recoveries Balance Year ended March 31, 2015: Real estate loans: Single-family, owner occupied $ 209,010 $ (46,607) $ - $ - $ 162,403 Single-family, non-owner occupied 52,576 (19,370) - - 33,206 Multi-family, 5 or more units 2,356 (856) - - 1,500 Commercial 8,971 (2,985) - - 5,986 Land 4,677 (2,156) - - 2,521 Consumer loans 4,420 (1,466) - - 2,954 Unallocated 22,093 11,440 - - 33,533 $ 304,103 $ (62,000) $ - $ - $ 242,103 Allowance for Loan Losses Beginning Provision for Ending Balance Losses Charge-offs Recoveries Balance Year ended March 31, 2014: Real estate loans: Single-family, owner occupied $ 287,934 $ (64,920) $ (14,004) $ - $ 209,010 Single-family, non-owner occupied 30,865 21,711 - - 52,576 Multi-family, 5 or more units 3,036 (680) - - 2,356 Commercial 12,793 (3,822) - - 8,971 Land 4,841 (164) - - 4,677 Consumer loans 4,627 1,831 (2,038) - 4,420 Unallocated 39,007 (16,914) - - 22,093 $ 383,103 $ (62,958) $ (16,042) $ - $ 304,103 Allowance for Loan Losses Loans Individually Collectively Individually Collectively Evaluated Evaluated Evaluated Evaluated for Impairment for Impairment Total for Impairment for Impairment Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ 37,000 $ 125,403 $ 162,403 $ 1,209,527 $ 60,045,620 $ 61,255,147 Single-family, non-owner occupied 16,665 16,541 33,206 239,842 7,922,692 8,162,534 Multi-family, 5 or more units - 1,500 1,500 127,623 593,507 721,130 Commercial - 5,986 5,986 - 2,878,651 2,878,651 Land - 2,521 2,521 - 1,212,874 1,212,874 Consumer loans - 2,954 2,954 - 1,562,398 1,562,398 Unallocated - 33,533 33,533 - - - $ 53,665 $ 188,438 $ 242,103 $ 1,576,992 $ 74,215,742 $ 75,792,734 Allowance for Loan Losses Loans Individually Collectively Individually Collectively Evaluated Evaluated Evaluated Evaluated for Impairment for Impairment Total for Impairment for Impairment Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ 37,000 $ 172,010 $ 209,010 $ 966,027 $ 57,149,885 $ 58,115,912 Single-family, non-owner occupied 28,525 24,051 52,576 446,293 7,990,783 8,437,076 Multi-family, 5 or more units - 2,356 2,356 - 782,917 782,917 Commercial - 8,971 8,971 - 2,980,571 2,980,571 Land - 4,677 4,677 - 1,553,915 1,553,915 Consumer loans - 4,420 4,420 - 1,912,416 1,912,416 Unallocated - 22,093 22,093 - - - $ 65,525 $ 238,578 $ 304,103 $ 1,412,320 $ 72,370,487 $ 73,782,807 A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Bank will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired Loans With With no Unpaid Allowance Allowance Allowance Principal for for Losses for Losses Total Balance Losses At March 31, 2015: Real estate loans: Single-family, owner occupied $ 946,720 $ 262,807 $ 1,209,527 $ 1,209,527 $ 37,000 Single-family, non-owner occupied 207,636 32,206 239,842 239,842 16,665 Multi-family, 5 or more units - 127,623 127,623 127,623 - Commercial - - - - - Land - - - - - Consumer loans - - - - - $ 1,154,356 $ 422,636 $ 1,576,992 $ 1,576,992 $ 53,665 The average recorded investment on impaired loans for the year ended March 31, 2015 included: single-family, owner occupied of $ 1,219,813 227,375 53,176 Impaired Loans With With no Unpaid Allowance Allowance Allowance Principal for for Losses for Losses Total Balance Losses At March 31, 2014: Real estate loans: Single-family, owner occupied $ 966,027 $ - $ 966,027 $ 966,027 $ 37,000 Single-family, non-owner occupied 446,293 - 446,293 446,293 28,525 Multi-family, 5 or more units - - - - - Commercial - - - - - Land - - - - - Consumer loans - - - - - $ 1,412,320 $ - $ 1,412,320 $ 1,412,320 $ 65,525 The average recorded investment on impaired loans for the year ended March 31, 2014 included: single-family, owner occupied of $ 979,146 37,191 Nonperforming Loans Past Due 90 Accruing Days and More Troubled Debt Nonaccrual Still Accruing Restructurings Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ 262,807 $ - $ 946,720 $ 1,209,527 Single-family, non-owner occupied 32,206 - 207,636 239,842 Multi-family, 5 or more units 127,623 - - 127,623 Commercial - - - - Land - - - - Consumer loans - - - - $ 422,636 $ - $ 1,154,356 $ 1,576,992 Nonperforming Loans Past Due 90 Accruing Days and More Troubled Debt Nonaccrual Still Accruing Restructurings Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ - $ - $ 966,027 $ 966,027 Single-family, non-owner occupied - - 212,104 212,104 Multi-family, 5 or more units - - - - Commercial - - - - Land - - - - Consumer loans - - - - $ - $ - $ 1,178,131 $ 1,178,131 For the year ended March 31, 2015, gross interest income that would have been recorded had the non-accruing loans been current in accordance with their original terms was $ 9,404 5,989 There were no new troubled debt restructurings (“TDRs“) during the year ended March 31, 2015. Pre-modification Post-modification Outstanding Outstanding Number of Recorded Recorded Contracts Investment Investment Year Ended March 31, 2014: Real estate loans: Single-family, owner occupied 1 $ 499,223 $ 503,272 Single-family, non-owner occupied 2 190,866 212,104 3 $ 690,089 $ 715,376 After restructuring, the single-family non-owner occupied TDRs were in default during and at the year ended March 31, 2014. March 31, 2015 2014 Number of Recorded Number of Recorded Contracts Investment Contracts Investment Real estate loans: Single-family, owner occupied 2 $ 946,720 2 $ 966,027 Single-family, non-owner occupied 2 207,636 2 212,104 4 $ 1,154,356 4 $ 1,178,131 At March 31, 2015, the recorded investment in single- family real estate loans that are in the process of foreclosure according to the local jurisdiction requirements was $ 204,003 Days Past Due 30-59 60-89 90 or more Current Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ 1,032,922 $ 41,745 $ 262,807 $ 59,917,673 $ 61,255,147 Single-family, non-owner occupied - 186,457 32,206 7,943,871 8,162,534 Multi-family, 5 or more units - - 127,623 593,507 721,130 Commercial - - - 2,878,651 2,878,651 Land - - - 1,212,874 1,212,874 Consumer loans 26,221 3,944 - 1,532,233 1,562,398 $ 1,059,143 $ 232,146 $ 422,636 $ 74,078,809 $ 75,792,734 Days Past Due 30-59 60-89 90 or more Current Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ 808,034 $ 277,663 $ - $ 57,030,215 $ 58,115,912 Single-family, non-owner occupied - 212,104 - 8,224,972 8,437,076 Multi-family, 5 or more units - - - 782,917 782,917 Commercial - - - 2,980,571 2,980,571 Land - - - 1,553,915 1,553,915 Consumer loans - 20,223 - 1,892,193 1,912,416 $ 808,034 $ 509,990 $ - $ 72,464,783 $ 73,782,807 The Bank classifies loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. Generally, smaller dollar consumer loans are excluded from this grading process and are reflected in the Pass category. The delinquency trends of these consumer loans are monitored on a homogeneous basis. The Bank uses the following definitions for risk ratings: The Pass asset quality rating encompasses assets that have performed as expected. With the exception of some smaller consumer and residential loans, these assets do not have delinquency. Loans assigned this rating include loans to borrowers possessing solid credit quality with acceptable risk. The Special Mention asset quality rating encompasses assets that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. This grade is intended to include loans to borrowers whose credit quality has clearly deteriorated and where risk of further decline is possible unless active measures are taken to correct the situation. The Substandard asset quality rating encompasses assets that are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any; assets having a well-defined weakness based upon objective evidence; assets characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected; or the possibility that liquidation will not be timely. Loans categorized in this grade possess a well-defined credit weakness and the likelihood of repayment from the primary source is uncertain. Significant financial deterioration has occurred and very close attention is warranted to ensure the full repayment without loss. Collateral coverage may be marginal. Doubtful asset quality rating encompasses assets that have all of the weaknesses of those classified as substandard. In addition, these weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The Loss asset quality rating encompasses assets that are considered uncollectible and of such little value that their continuance as assets is not warranted. A loss classification does not mean that an asset has no recovery or salvage value; instead, it means that it is not practical or desirable to defer writing off or reserving all or a portion of a basically worthless asset, even though partial recovery may be realized in the future. Credit Quality Indicator-Credit Risk Profile by Grade or Classification Special Mention Substandard Doubtful Loss Pass Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ - $ 1,209,527 $ - $ - $ 60,045,620 $ 61,255,147 Single-family, non-owner occupied - 239,842 - - 7,922,692 8,162,534 Multi-family, 5 or more units - 127,623 - - 593,507 721,130 Commercial - - - - 2,878,651 2,878,651 Land - - - - 1,212,874 1,212,874 Consumer loans - - - - 1,562,398 1,562,398 $ - $ 1,576,992 $ - $ - $ 74,215,742 $ 75,792,734 Credit Quality Indicator-Credit Risk Profile by Grade or Classification Special Mention Substandard Doubtful Loss Pass Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ - $ 966,027 $ - $ - $ 57,149,885 $ 58,115,912 Single-family, non-owner occupied 446,293 - - - 7,990,783 8,437,076 Multi-family, 5 or more units - - - - 782,917 782,917 Commercial - - - - 2,980,571 2,980,571 Land - - - - 1,553,915 1,553,915 Consumer loans - - - - 1,912,416 1,912,416 $ 446,293 $ 966,027 $ - $ - $ 72,370,487 $ 73,782,807 Years Ended March 31, 2015 2014 Balance, beginning of year $ 3,248,771 $ 3,810,461 Additions 595,995 568,998 Repayments (669,076) (1,130,688) Balance, end of year $ 3,175,690 $ 3,248,771 These loans were made on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated persons.

Premises and Equipment, Net

Premises and Equipment, Net	12 Months Ended
	Mar. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment Disclosure [Text Block]	(4) Premises and Equipment, Net At March 31, 2015 2014 Land $ 349,032 $ 349,032 Land for possible future branch location 152,263 152,263 Office buildings and improvements 1,613,203 1,507,409 Furniture and equipment 790,164 749,634 2,904,662 2,758,338 Less accumulated depreciation 1,706,203 1,612,992 $ 1,198,459 $ 1,145,346 Depreciation expense for the years ended March 31, 2015 and 2014 was $ 93,212 84,509

Foreclosed Real Estate

Foreclosed Real Estate	12 Months Ended
	Mar. 31, 2015
Foreclosed Real Estate [Abstract]
Foreclosed Real Estate Disclosure [Text Block]	(5) Foreclosed Real Estate At March 31, 2015 2014 Foreclosed real estate - residential $ 434,367 $ 754,704 Years Ended March 31, 2015 2014 Beginning balance $ 754,704 $ 324,280 Loans to foreclosed real estate 152,109 414,190 Foreclosed real estate to loans (50,000) - Provision for losses (68,712) (15,000) (Proceeds from sale) additions, net (353,734) 31,234 Ending balance $ 434,367 $ 754,704

Deposits

Deposits	12 Months Ended
	Mar. 31, 2015
Deposits [Abstract]
Deposit Liabilities Disclosures [Text Block]	(6) Deposits At March 31, Description and Weighted-average Rate 2015 2014 Non-interest bearing NOW accounts $ 3,717,893 $ 6,831,968 NOW accounts, .16% and .15% 6,740,640 6,313,783 Savings accounts, .25% and .25% 14,196,652 13,874,460 Money market accounts, .47% and .47% 16,384,582 18,351,396 Total transaction accounts 41,039,767 45,371,607 Certificates: 0.01 - 1.00% 13,145,671 16,949,056 1.01 - 2.00% 21,623,726 13,404,510 2.01 - 3.00% 481,797 2,043,235 3.01 - 4.00% - 32,414 Total certificates, 1.16% and .96% 35,251,194 32,429,215 Total deposits, .69% and .57% $ 76,290,961 $ 77,800,822 The aggregate amount of certificates in denominations of $250,000 or more at March 31, 2015 and 2014 were $ 1,750,856 1,749,413 There were no brokered deposits at March 31, 2015 or 2014. At March 31, 2015 2014 First year $ 17,089,555 $ 17,029,828 Second year 5,406,160 6,659,469 Third year 5,990,269 4,733,826 Fourth year 2,990,837 846,686 Fifth year 3,774,373 3,159,406 $ 35,251,194 $ 32,429,215 Years Ended March 31, 2015 2014 NOW accounts $ 10,117 $ 8,256 Savings accounts 34,277 35,695 Money market accounts 81,983 80,745 Certificates 332,214 323,879 $ 458,591 $ 448,575

Advances from FHLBC

Advances from FHLBC	12 Months Ended
	Mar. 31, 2015
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank Advances, Disclosure [Text Block]	(7) Advances from FHLBC Advances from FHLBC are summarized as follows: At March 31, Final Maturity Date Interest Rate 2015 2014 February 13, 2017 4.71 % $ 5,000,000 $ 5,000,000 At March 31, 2015, advances were secured by FHLBC stock and single-family residential mortgage loans with a collateral loan value totaling $47.0 million. At March 31, 2015, the Bank had remaining credit available under the FHLBC advance program of $42.0 million. In addition, a $2.0 million unused open line advance exists with Quad City Bank and Trust in Davenport, Iowa.

Income Taxes

Income Taxes	12 Months Ended
	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	(8) Income Taxes Retained earnings at March 31, 2015 and 2014 includes $ 888,000 34 Years Ended March 31, 2015 2014 Federal statutory income tax rate 34.0 % 34.0 % Increases (decreases) in tax rate: State taxes, net of Federal tax benefit 6.2 6.1 Other, net 1.4 (1.2) Tax rate 41.6 % 38.9 % At March 31, 2015 2014 Deferred tax liabilities: FHLB stock dividends $ 99,636 $ 99,636 Tax over book depreciation 150,920 159,620 Accrued income and expense 90,760 79,812 Total deferred tax liabilities 341,316 339,068 Deferred tax assets: Allowance for losses on loans (94,420) (118,600) Book over tax ESOP expense (24,417) (20,360) Other (2,371) - Total deferred tax assets (121,208) (138,960) Net deferred tax liability $ 220,108 $ 200,108 Years Ended March 31, 2015 2014 Current: Federal $ 100,855 $ 138,110 State 28,673 49,925 129,528 188,035 Deferred: Federal 15,000 61,583 State 5,000 9,660 20,000 71,243 Total income taxes $ 149,528 $ 259,278 The Company is subject to U.S. Federal income taxes and State of Illinois income taxes. Tax years ending March 31, 2012 through March 31, 2015 remain open to examination by these jurisdictions. At March 31, 2015, there was no accrual for uncertain tax positions or related interest.

Employee Benefits

Employee Benefits	12 Months Ended
	Mar. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Compensation and Employee Benefit Plans [Text Block]	(9) Employee Benefits Multiemployer Plan The Bank participates in the Pentegra Defined Benefit Plan for Financial Institutions (“Pentegra DB Plan”), which covers substantially all employees. The Pentegra DB Plan operates as a multiemployer plan under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. The Pentegra DB Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan. The Pentegra DB Plan is a simple plan under Internal Revenue Code Section 413 (c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating employers. As of June 30, 2014 and 2013 (the two most recent plan year ends), the Pentegra DB Plan was 110.66 100.19 5 150,028 224,056 Since this is a multiemployer plan, the plan’s administrators are unable to determine the actuarial present value of benefits attributable to the Bank’s participants. The Bank had a pension asset of $ 375,949 6,583 130,949 189,601 Defined Contribution Plan The Bank has a defined contribution plan which covers substantially all employees. Participants may contribute up to 20 4 27,855 26,635 Employee Stock Ownership Plan (“ESOP”) The Bank has an ESOP for the benefit of employees who meet eligibility requirements as defined in the ESOP. Eligible employees in the ESOP are those who also participated in the Bank’s defined contribution plan as of April 3, 2007 and employees hired thereafter which complete at least 1000 hours of service during the plan year, which begins January 1. Participant benefits become fully vested upon completion of 3 0 The ESOP was originally established with the purchase of 35,549 8.25 nd 1,583 724 859 The ESOP has a second loan from the Company to fund the purchase of 42,810 nd 3.25 nd 79,342 ESOP shares are allocated to each eligible participant based on the ratio of each such participant’s compensation, as defined in the ESOP to the total compensation of all eligible participants. As the unearned shares are released from the trust, the Company recognizes compensation expense equal to the fair value of the ESOP shares during the periods in which they become committed to be released. To the extent the fair value of the ESOP shares released differs from the cost of the shares, such amount is charged to or credited to equity as additional paid-in capital. For the years ended March 31, 2015 and 2014, the Company recognized $ 59,269 16,595 At March 31, 2015 2014 Allocated 22,045 15,990 Committed-to-be-allocated 1,332 593 Unallocated 55,965 18,366 Total ESOP Shares 79,342 34,949 Fair value of unallocated shares $ 587,633 $ 157,948 Equity Incentive Plan In November 2007 stockholders approved the Sugar Creek Financial Corp. 2007 Equity Incentive Plan (the “Plan”). Under the Plan, the Company may grant to employees, officers and directors up to 62,211 44,437 17,774 17,774 8.10 Year Ended March 31, 2014 Pre-tax $ 10,225 After-tax 6,053 Basic and diluted earnings per share $ 0.01 There was no restricted stock award expense for the year ended March 31, 2015.

Stockholders' Equity and Regula

Stockholders' Equity and Regulatory Capital	12 Months Ended
	Mar. 31, 2015
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	(10) Stockholders’ Equity and Regulatory Capital The Bank may not declare or pay a cash dividend, if the effect of such dividends would be to cause the capital of the Bank to be reduced below the aggregate amount required by federal law or regulation. The Company may pay a dividend, if and when declared by its Board of Directors. Any repurchases of the Company’s common stock will be conducted in accordance with applicable laws and regulations. The Company (effective January 1, 2015) and Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the financial statements of the Company and Bank. Under capital adequacy guidelines, the Company and Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications of the Company and Bank are also subject to quantitative judgments by the regulators about components, risk-weightings and other factors. At March 31, 2015, the Company and Bank met all capital adequacy requirements. On July 9, 2013, the OCC approved rules that amended the regulatory capital rules applicable to the Company and Bank. The rules implement the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. Various provisions of the Dodd-Frank Act increase the capital requirements of financial institutions. The rules include new minimum risk-based capital and leverage ratios, which became effective January 1, 2015, and refine the definition of what constitutes “capital” for purposes of calculating those ratios. The new minimum capital level requirements applicable to the Company and Bank are: (i) a new common equity Tier 1 capital ratio of 4.5 6 4 8 4 2.5 7.0 8.5 10.5 6.5 0.625 The Company and Bank is also subject to the regulatory framework for prompt corrective action. At March 31, 2015, the most recent notification from the regulatory agencies categorized the Company and Bank as well capitalized. To be categorized as well capitalized, the Company and Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the aforementioned notifications that management believes have changed the category of the Company and Bank. Minimum Required for Capital to be "Well Actual Adequacy Capitalized" At March 31, 2015: Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Total capital to risk-weighted assets $ 13,526 28.8 % $ 3,763 8.0 % $ 4,704 10.0 % Tier 1 capital to risk-weighted assets $ 13,284 28.2 % $ 2,823 6.0 % $ 3,763 8.0 % Common equity tier 1 capital to risk- weighted assets $ 13,284 28.2 % $ 2,117 4.5 % $ 3,058 6.5 % Tier 1 capital to total assets $ 13,284 14.1 % $ 3,760 4.0 % $ 4,699 5.0 % Minimum Required for Capital to be "Well Actual Adequacy Capitalized" At March 31, 2015: Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Total capital to risk-weighted assets $ 11,672 24.9 % $ 3,757 8.0 % $ 4,696 10.0 % Tier 1 capital to risk-weighted assets $ 11,430 24.3 % $ 2,818 6.0 % $ 3,757 8.0 % Common equity tier 1 capital to risk- weighted assets $ 11,430 24.3 % $ 2,113 4.5 % $ 3,052 6.5 % Tier 1 capital to total assets $ 11,430 12.2 % $ 3,756 4.0 % $ 4,695 5.0 % Minimum Required for Capital to be "Well Actual Adequacy Capitalized" At March 31, 2014: Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Total capital to risk-weighted assets $ 10,276 22.3 % $ 3,687 8.0 % $ 4,608 10.0 % Tier 1 capital to risk-weighted assets $ 9,972 21.6 % $ 1,843 4.0 % $ 2,765 6.0 % Tier 1 capital to total assets $ 9,972 10.6 % $ 3,764 4.0 % $ 4,705 5.0 %

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Mar. 31, 2015
Financial Instruments Off Balance Sheet Risk [Abstract]
Financial Instruments With Off Balance Sheet Risk [Text Block]	(11) Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments typically include commitments to originate mortgage loans. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company’s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount and related accrued interest receivable of those instruments. The Company minimizes this risk by evaluating each borrower’s creditworthiness on a case-by-case basis. Generally, collateral held by the Company consists of a first or second mortgage on the borrower’s property. There were loan commitments to originate fixed-rate mortgage loans totaling $ 708,200 3.125 4.125

Contingencies

Contingencies	12 Months Ended
	Mar. 31, 2015
Loss Contingency [Abstract]
Contingencies Disclosure [Text Block]	(12) Contingencies In August 2011, the Bank, and three other banks, were named defendants in an Amended Complaint filed in the Circuit Court for St. Clair County, Illinois in a case entitled McKay, et. al. v Huelsmann, et. al., No. 11-L-89 The Bank has insurance for coverage against this type of claim but it is provided by an insurance carrier that is now in liquidation. The liquidation has involved the Illinois Insurance Guaranty Fund and while the Guaranty Fund may ultimately provide some indemnification, the Company cannot at this time reasonably estimate the possible loss or range of loss, if any, for this matter.

Concentration of Credit Risk

Concentration of Credit Risk	12 Months Ended
	Mar. 31, 2015
Risks and Uncertainties [Abstract]
Concentration Risk Disclosure [Text Block]	(13) Concentration of Credit Risk The Bank originates loans to the general public, which includes military personnel and civilian employees of Scott Air Force Base, located in Belleville, Illinois. This concentration of credit risk could unfavorably impact the level of credit risk of the Bank should events occur, such as employment curtailments, temporary layoffs or other events. Management believes that the secured nature of the majority of these loans partially mitigates this risk based upon current economic conditions.

Fair Value Measurements and Fai

Fair Value Measurements and Fair Value of Financial Instruments	12 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	(14) Fair Value Measurements and Fair Value of Financial Instruments Fair Value Measurements Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy prioritizes the assumptions that market participants would use in pricing the assets or liabilities (the “inputs”) into three broad levels. The fair value hierarchy gives the highest priority (Level 1) to quoted prices in active markets for identical assets and liabilities and the lowest priority (Level 3) to unobservable inputs in which little, if any, market activity exists, requiring entities to develop their own assumptions and data. Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. These inputs include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in market areas that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks and default rates) or inputs that are derived principally from or corroborated by observable market data by correlation or other means. Valuation Techniques Available for sale securities are carried at fair value utilizing Level 1 and Level 2 inputs. For debt securities, the Bank obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, live trading levels, trade execution data, cash flows, market consensus prepayment speeds, market spreads, credit information and the U.S. Treasury yield curve. At March 31, 2015 and 2014, the Company did not have any available for sale securities. Impaired loans are carried at fair value utilizing Level 3 inputs, consisting of appraisals of underlying collateral (collateral method) adjusted for selling costs (unobservable input) and discounted cash flow analysis. See note 3. Assets Measured at Fair Value on a Nonrecurring Basis Assets measured at fair value on a nonrecurring basis at March 31, 2015 and 2014 include impaired loans of $ 1,576,992 1,412,320 Years Ended March 31, 2015 2014 Balance, beginning of year $ 65,525 $ 108,363 Loan charge-offs - (14,004) Loan recoveries - - Provision for (credit to) loan losses (11,860) (28,834) Balance, end of year $ 53,665 $ 65,525 Nonfinancial assets measured at fair value on a nonrecurring basis include foreclosed real estate which amounted to $ 434,367 754,704 Fair Value of Financial Instruments The following methods and assumptions were used in estimating the fair values shown below: . Cash and cash equivalents are valued at their carrying amounts due to the relatively short period to maturity of the instruments. . Stock in FHLB of Chicago is valued at cost, which represents historical redemption value and approximates fair value. . Fair values for the loan portfolio, certificates of deposit and advances from the FHLBC are computed using an analysis which considers the amount and timing of all future cash flows of the underlying instruments discounted at current market rates. . Fair values of non-maturing deposits, such as checking, NOW, savings and money market deposit accounts are computed using an analysis which uses decay rates to estimate the amount and timing of all future cash flows of the underlying instruments, which are discounted at current market rates. . The carrying amounts of accrued interest receivable and payable approximate fair value. Off-balance sheet assets include the commitments to extend credit for which fair values were estimated based on interest rates and fees currently charged to enter into similar transactions. As a result of the short-term nature of the outstanding commitments, the fair values of fees on those commitments approximate the amount collected and the Company has not assigned a value to such instruments for purpose of this disclosure. There were no transfers between Level 1 and Level 2 categorizations and into or out of Level 3 categorization for the years presented. March 31, 2015 Carrying Fair Fair Value Measurements Using Amount Value (Level 1) (Level 2) (Level 3) Non-trading instruments and nonderivatives: Cash and cash equivalents $ 16,720,008 $ 16,720,008 $ 16,720,008 $ - $ - Stock in FHLB of Chicago 1,165,513 1,165,513 - 1,165,513 - Loans receivable, net 75,463,746 79,924,031 - 78,347,039 1,576,992 Accrued interest receivable on loans 257,576 257,576 - 257,576 - Deposits 76,290,961 72,906,558 - 72,906,558 - Accrued interest on deposits 50,070 50,070 - 50,070 - Advances from FHLB of Chicago $ 5,000,000 $ 5,353,750 $ - $ 5,353,750 $ - March 31, 2014 Carrying Fair Fair Value Measurements Using Amount Value (Level 1) (Level 2) (Level 3) Non-trading instruments and nonderivatives: Cash and cash equivalents $ 16,647,828 $ 16,647,828 $ 16,647,828 $ - $ - Stock in FHLB of Chicago 1,165,513 1,165,513 - 1,165,513 - Loans receivable, net 73,386,855 76,404,679 - 74,992,359 1,412,320 Accrued interest receivable on loans 241,411 241,411 - 241,411 - Deposits 77,800,822 71,176,039 - 71,176,039 - Accrued interest on deposits 38,371 38,371 - 38,371 - Advances from FHLB of Chicago $ 5,000,000 $ 5,498,149 $ - $ 5,498,149 $ -

Parent Company Only Financial S

Parent Company Only Financial Statements	12 Months Ended
	Mar. 31, 2015
Statement of Financial Position [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	(15) Parent Company Only Financial Statements The following parent only balance sheets, statements of earnings and statements of cash flows for Sugar Creek Financial Corp. should be read in conjunction with the consolidated financial statements and the notes thereto. March 31, 2015 2014 Assets Cash and cash equivalents $ 1,279,610 $ 183,527 Investment in Bank 11,429,668 9,972,129 ESOP note receivable 494,685 235,873 Accrued interest receivable 6,596 4,799 Other assets 82,396 17,184 Total assets $ 13,292,955 $ 10,413,512 Liabilities and Stockholders' Equity Other liabilities $ 8,640 $ 13,020 Common stock 9,492 9,069 Additional paid-in capital 6,124,848 3,288,508 Treasury stock - (85,638) Common stock acquired by ESOP (432,527) (183,670) Retained earnings - substantially restricted 7,582,502 7,372,223 Total stockholders' equity 13,284,315 10,400,492 Total liabilities and stockholders' equity $ 13,292,955 $ 10,413,512 Years Ended March 31, 2015 2014 Interest income on ESOP note receivable $ 27,628 $ 20,682 Interest income - MMDA with Bank 4,347 746 Total interest income 31,975 21,428 Dividend from Bank - 129,500 Noninterest income - - Noninterest expense (82,333) (25,206) (Loss) earnings before income taxes and equity in undistributed earnings of Bank (50,358) 125,722 Income tax benefit 19,931 1,451 Net (loss) earnings before equity in undistributed earnings of Bank (30,427) 127,173 Equity in undistributed earnings of Bank 240,706 279,742 Net earnings $ 210,279 $ 406,915 Years Ended March 31, 2015 2014 Cash flows from operating activities: Net earnings $ 210,279 $ 406,915 Adjustments to reconcile net earnings to net cash used for operating activities: Equity in undistributed earnings of Bank (240,706) (279,742) (Increase) decrease in accrued interest receivable (1,797) 411 Increase in other assets (65,212) (17,184) (Decrease) increase in other liabilities (4,380) 12,113 Net cash (used for) provided by operating activities (101,816) 122,513 Cash flow from investing activities: Capital contribution to Bank (1,457,234) - Repayment of ESOP loan 40,858 20,270 Net cash (used for) provided by investing activities (1,416,376) 20,270 Cash flow from financing activities: Proceeds from sale of common stock 2,614,275 - Cash dividends paid - (87,370) Repurchase of common stock - (2,731) Net cash provided by (used for) financing activities 2,614,275 (90,101) Net increase in cash and cash equivalents 1,096,083 52,682 Cash and cash equivalents at beginning of year 183,527 130,845 Cash and cash equivalents at end of year $ 1,279,610 $ 183,527

Summary of Significant Accoun23

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	a. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, Tempo Bank. The Company’s principal business is the business of the Bank. All significant intercompany accounts and transactions have been eliminated.
Cash and Cash Equivalents, Policy [Policy Text Block]	b. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and the FHLBC daily investment account, all with original maturities of three months or less. The Company maintains cash in correspondent bank accounts which at times exceed federally insured limits. The Company’s management monitors the balances in these accounts and periodically assesses the financial condition of the correspondent banks. Interest-bearing funds in cash and cash equivalents were $ 13,123,082 12,634,375
Federal Home Loan Bank Stock [Policy Text Block]	c. Stock in FHLBC is recorded at cost, which represents redemption value. The Bank is required by law to own stock in the FHLBC and at March 31, 2015 had $ 569,613 FHLBC stock is evaluated for impairment in accordance with FASB ASC 942-325-35, “Financial Services-Depository and Lending-Investments-Other.” Determination of whether the FHLBC stock is impaired Is based on the assessment of the ultimate recoverability of cost rather than by recognizing declines in value. The determination of whether a decline affects the ultimate recoverability of costs is influenced by the significance of the decline in net assets compared to the capital of the FHLBC and the length of time this situation has persisted; the ability of the FHLBC to make payments required by law or regulation and operating performance; the impact of legislative and regulatory changes on member institutions and customer base and the liquidity of the FHLBC. Management believes that no impairment charge on FHLBC stock is necessary at March 31, 2015.
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	d. Loans receivable, net, are carried at unpaid principal balances, less allowance for losses, deferred income, net deferred loan fees and loans in process. Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized to interest income over the contractual life of the loan using the interest method. The Bank considers a loan to be impaired when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement on a timely basis. The types of loans for which impairment is measured under FASB ASC 310-10-35, “Receivables,” include nonaccrual income property loans, large nonaccrual single-family loans and troubled debt restructurings, where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. A loan classified as a troubled debt restructuring will generally retain such classification until paid in full. However, a troubled debt restructuring that is performing with its modified terms for a sustained period of one year and yields a market rate of interest at the time of the restructuring is removed from such classification. Allowance for losses is available to absorb losses incurred on loans receivable and represents additions charged to expense, less net charge-offs. Loans are charged-off in the period deemed uncollectible. Recoveries of loans previously charged-off are recorded when received. The allowance consists of allocated and general components. The allocated component relates to loans that are individually classified as impaired, for which the carrying value of the loan exceeds the fair value of the collateral or the present value of expected future cash flows, or loans otherwise adversely classified. The general component covers non-impaired loans and is based on the historical loan loss experience for the last three years, including adjustments to historical loss experience, maintained to cover uncertainties that affect the Bank’s estimate of probable losses for each loan type. The adjustments to historical loss experience are based on evaluation of several factors, including changes in lending policies and procedures; changes in collection, charge-off and recovery practices; changes in the nature and volume of the loan portfolio; changes in the volume and severity of nonperforming loans; the existence and effect of any concentrations of credit and changes in the level of such concentrations; and changes in current, national and local economic and business conditions. Management believes that all known and inherent losses in the loan portfolio that are probable and reasonable to estimate have been recorded as of each balance sheet date.
Property, Plant and Equipment, Policy [Policy Text Block]	e. Premises and equipment, net, are carried at cost, less accumulated depreciation. Depreciation of premises and equipment is computed using the straight-line method based on the estimated useful lives of the related assets. Estimated lives are fifteen forty years three ten years
Real Estate Held for Development and Sale, Policy [Policy Text Block]	f. Foreclosed real estate held for sale is carried at fair value less estimated selling costs. Costs relating to improvement of foreclosed real estate are capitalized. Income and expenses from operations of foreclosed real estate and provision for losses are included in noninterest expense.
Interest on Loans Receivable Policy [Policy Text Block]
Income Tax, Policy [Policy Text Block]	h. Deferred income tax assets and liabilities are computed for differences between the financial statement and tax bases of assets and liabilities that will result in taxable or deductible amounts in the future based on enacted tax laws and rates applicable to the periods in which the differences are expected to affect taxable income. Valuation allowances are established when necessary to reduce deferred tax assets to the amount that will more likely than not be realized. Income tax expense is the tax payable or refundable for the period plus or minus the net change in the deferred tax assets and liabilities. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and penalties related to tax positions in income tax expense.
Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]	i. The cost of shares issued to the ESOP, but not yet committed to be released, is shown as a reduction of stockholders’ equity. For ESOP shares committed to be released, the Bank recognizes compensation expense equal to the average fair value of the shares committed to be released during the period in accordance with the provisions of FASB ASC 718-40-30, “Compensation-Stock Compensation-Employee Stock Ownership Plans.” To the extent that the fair value of the ESOP shares differs from the cost of such shares, the difference is charged or credited to stockholders’ equity as additional paid-in capital. Compensation expense for restricted stock is recognized based on the fair value of awards at the grant date and is recognized on a straight-line basis over the requisite service period, defined as the vesting period.
Earnings Per Share, Policy [Policy Text Block]	j. Years Ended March 31, 2015 2014 Basic and diluted earnings per share: Net earnings $ 210,279 $ 406,915 Less dividends paid: Common stock - 87,016 Participating securities - 354 Undistributed earnings $ 210,279 $ 319,545 Weighted-average basic and diluted shares and participating securities outstanding 889,902 875,776 Distributed earnings per share $ - $ 0.10 Undistributed earnings per share 0.24 0.36 Net earnings per share $ 0.24 $ 0.46
Subsequent Events, Policy [Policy Text Block]	k. The Company evaluates events and transactions that occur after the balance sheet date but before the date the financial statements are issued. The Company recognizes in the financial statements the effect of all events or transactions that provide additional evidence of conditions that existed at the balance sheet date, including the estimates inherent in the financial statement preparation process. The Company has evaluated subsequent events through June 26, 2015 and noted no subsequent events requiring financial statement recognition or disclosure.
New Accounting Pronouncements, Policy [Policy Text Block]	l. The following paragraphs summarize recent accounting pronouncements: In January 2014, the FASB issued ASU No. 2014-04, Receivables – Troubled Debt Restructurings by Creditor (Subtopic 310-40).” The provisions of ASU 2014-04 require reclassification of a residential real estate loan to foreclosed real estate upon obtaining legal title to the property, which could occur either through foreclosure or deed in lieu of foreclosure. The existence of the borrower’s right of redemption will not prevent the lender from reclassifying a loan to foreclosed real estate once the lender obtains legal title to the property. Entities are required to disclose the amount of foreclosed residential real estate and such loans in the process of foreclosure on an interim and annual basis. The provisions of ASU 2014-04 were early adopted, effective January 1, 2015, and did not have a material impact on the Company’s Consolidated Financial Statements.

Summary of Significant Accoun24

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Earnings per share (“EPS”) are based upon the weighted-average shares outstanding. ESOP shares, which have been committed to be released, are considered outstanding. Unvested restricted stock awards that contain non-forfeitable rights to dividends are treated as participating securities and are included in the EPS computation using the two-class method. Prior period EPS data is adjusted retrospectively. Years Ended March 31, 2015 2014 Basic and diluted earnings per share: Net earnings $ 210,279 $ 406,915 Less dividends paid: Common stock - 87,016 Participating securities - 354 Undistributed earnings $ 210,279 $ 319,545 Weighted-average basic and diluted shares and participating securities outstanding 889,902 875,776 Distributed earnings per share $ - $ 0.10 Undistributed earnings per share 0.24 0.36 Net earnings per share $ 0.24 $ 0.46

Loans Receivable, Net (Tables)

Loans Receivable, Net (Tables)	12 Months Ended
	Mar. 31, 2015
Defined Benefit Plan Disclosure [Line Items]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	Loans receivable, net are summarized as follows: At March 31, 2015 2014 Real estate loans: Single-family, owner occupied $ 61,255,147 $ 58,115,912 Single-family, non-owner occupied 8,162,534 8,437,076 Multi-family, 5 or more units 721,130 782,917 Commercial 2,878,651 2,980,571 Land 1,212,874 1,553,915 Consumer loans 1,562,398 1,912,416 75,792,734 73,782,807 Allowance for losses (242,103) (304,103) Deferred loan fees, net (86,885) (91,849) Total loans $ 75,463,746 $ 73,386,855
Allowance for Credit Losses on Financing Receivables [Table Text Block]	The following presents by portfolio segment, the recorded investment in loans and impairment method at March 31, 2015 and 2014: Allowance for Loan Losses Loans Individually Collectively Individually Collectively Evaluated Evaluated Evaluated Evaluated for Impairment for Impairment Total for Impairment for Impairment Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ 37,000 $ 125,403 $ 162,403 $ 1,209,527 $ 60,045,620 $ 61,255,147 Single-family, non-owner occupied 16,665 16,541 33,206 239,842 7,922,692 8,162,534 Multi-family, 5 or more units - 1,500 1,500 127,623 593,507 721,130 Commercial - 5,986 5,986 - 2,878,651 2,878,651 Land - 2,521 2,521 - 1,212,874 1,212,874 Consumer loans - 2,954 2,954 - 1,562,398 1,562,398 Unallocated - 33,533 33,533 - - - $ 53,665 $ 188,438 $ 242,103 $ 1,576,992 $ 74,215,742 $ 75,792,734 Allowance for Loan Losses Loans Individually Collectively Individually Collectively Evaluated Evaluated Evaluated Evaluated for Impairment for Impairment Total for Impairment for Impairment Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ 37,000 $ 172,010 $ 209,010 $ 966,027 $ 57,149,885 $ 58,115,912 Single-family, non-owner occupied 28,525 24,051 52,576 446,293 7,990,783 8,437,076 Multi-family, 5 or more units - 2,356 2,356 - 782,917 782,917 Commercial - 8,971 8,971 - 2,980,571 2,980,571 Land - 4,677 4,677 - 1,553,915 1,553,915 Consumer loans - 4,420 4,420 - 1,912,416 1,912,416 Unallocated - 22,093 22,093 - - - $ 65,525 $ 238,578 $ 304,103 $ 1,412,320 $ 72,370,487 $ 73,782,807
Schedule Of Impaired Loans, Allocated Valuation Allowances And Average Recorded Investment [Table Text Block]	The following presents impaired loans and allocated valuation allowances based upon class levels and average recorded investment: Impaired Loans With With no Unpaid Allowance Allowance Allowance Principal for for Losses for Losses Total Balance Losses At March 31, 2015: Real estate loans: Single-family, owner occupied $ 946,720 $ 262,807 $ 1,209,527 $ 1,209,527 $ 37,000 Single-family, non-owner occupied 207,636 32,206 239,842 239,842 16,665 Multi-family, 5 or more units - 127,623 127,623 127,623 - Commercial - - - - - Land - - - - - Consumer loans - - - - - $ 1,154,356 $ 422,636 $ 1,576,992 $ 1,576,992 $ 53,665 The average recorded investment on impaired loans for the year ended March 31, 2015 included: single-family, owner occupied of $ 1,219,813 227,375 53,176 Impaired Loans With With no Unpaid Allowance Allowance Allowance Principal for for Losses for Losses Total Balance Losses At March 31, 2014: Real estate loans: Single-family, owner occupied $ 966,027 $ - $ 966,027 $ 966,027 $ 37,000 Single-family, non-owner occupied 446,293 - 446,293 446,293 28,525 Multi-family, 5 or more units - - - - - Commercial - - - - - Land - - - - - Consumer loans - - - - - $ 1,412,320 $ - $ 1,412,320 $ 1,412,320 $ 65,525
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	The following presents nonperforming loans based upon class level at March 31, 2015 and 2014: Nonperforming Loans Past Due 90 Accruing Days and More Troubled Debt Nonaccrual Still Accruing Restructurings Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ 262,807 $ - $ 946,720 $ 1,209,527 Single-family, non-owner occupied 32,206 - 207,636 239,842 Multi-family, 5 or more units 127,623 - - 127,623 Commercial - - - - Land - - - - Consumer loans - - - - $ 422,636 $ - $ 1,154,356 $ 1,576,992 Nonperforming Loans Past Due 90 Accruing Days and More Troubled Debt Nonaccrual Still Accruing Restructurings Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ - $ - $ 966,027 $ 966,027 Single-family, non-owner occupied - - 212,104 212,104 Multi-family, 5 or more units - - - - Commercial - - - - Land - - - - Consumer loans - - - - $ - $ - $ 1,178,131 $ 1,178,131
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	The following presents a summary of TDRs during the year ended March 31, 2014: Pre-modification Post-modification Outstanding Outstanding Number of Recorded Recorded Contracts Investment Investment Year Ended March 31, 2014: Real estate loans: Single-family, owner occupied 1 $ 499,223 $ 503,272 Single-family, non-owner occupied 2 190,866 212,104 3 $ 690,089 $ 715,376
Accruing Troubled Debt Restructurings On Financing Receivables [Table Text Block]	The following presents a summary of troubled debt restructurings at March 31, 2015 and 2014: March 31, 2015 2014 Number of Recorded Number of Recorded Contracts Investment Contracts Investment Real estate loans: Single-family, owner occupied 2 $ 946,720 2 $ 966,027 Single-family, non-owner occupied 2 207,636 2 212,104 4 $ 1,154,356 4 $ 1,178,131
Past Due Financing Receivables [Table Text Block]	The following presents the Bank's loan portfolio aging analysis as of March 31, 2015 and 2014: Days Past Due 30-59 60-89 90 or more Current Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ 1,032,922 $ 41,745 $ 262,807 $ 59,917,673 $ 61,255,147 Single-family, non-owner occupied - 186,457 32,206 7,943,871 8,162,534 Multi-family, 5 or more units - - 127,623 593,507 721,130 Commercial - - - 2,878,651 2,878,651 Land - - - 1,212,874 1,212,874 Consumer loans 26,221 3,944 - 1,532,233 1,562,398 $ 1,059,143 $ 232,146 $ 422,636 $ 74,078,809 $ 75,792,734 Days Past Due 30-59 60-89 90 or more Current Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ 808,034 $ 277,663 $ - $ 57,030,215 $ 58,115,912 Single-family, non-owner occupied - 212,104 - 8,224,972 8,437,076 Multi-family, 5 or more units - - - 782,917 782,917 Commercial - - - 2,980,571 2,980,571 Land - - - 1,553,915 1,553,915 Consumer loans - 20,223 - 1,892,193 1,912,416 $ 808,034 $ 509,990 $ - $ 72,464,783 $ 73,782,807
Financing Receivable Credit Quality Indicators [Table Text Block]	The following presents the credit risk profile for the Bank's loan portfolio based upon rating category at March 31, 2015 and 2014: Credit Quality Indicator-Credit Risk Profile by Grade or Classification Special Mention Substandard Doubtful Loss Pass Total At March 31, 2015: Real estate loans: Single-family, owner occupied $ - $ 1,209,527 $ - $ - $ 60,045,620 $ 61,255,147 Single-family, non-owner occupied - 239,842 - - 7,922,692 8,162,534 Multi-family, 5 or more units - 127,623 - - 593,507 721,130 Commercial - - - - 2,878,651 2,878,651 Land - - - - 1,212,874 1,212,874 Consumer loans - - - - 1,562,398 1,562,398 $ - $ 1,576,992 $ - $ - $ 74,215,742 $ 75,792,734 Credit Quality Indicator-Credit Risk Profile by Grade or Classification Special Mention Substandard Doubtful Loss Pass Total At March 31, 2014: Real estate loans: Single-family, owner occupied $ - $ 966,027 $ - $ - $ 57,149,885 $ 58,115,912 Single-family, non-owner occupied 446,293 - - - 7,990,783 8,437,076 Multi-family, 5 or more units - - - - 782,917 782,917 Commercial - - - - 2,980,571 2,980,571 Land - - - - 1,553,915 1,553,915 Consumer loans - - - - 1,912,416 1,912,416 $ 446,293 $ 966,027 $ - $ - $ 72,370,487 $ 73,782,807
Schedule Of Loans Receivable From Related Parties [Table Text Block]	Following is a summary of activity for loans to directors, executive officers and associates of such persons: Years Ended March 31, 2015 2014 Balance, beginning of year $ 3,248,771 $ 3,810,461 Additions 595,995 568,998 Repayments (669,076) (1,130,688) Balance, end of year $ 3,175,690 $ 3,248,771
Allowance for Loan and Lease Losses [Member]
Defined Benefit Plan Disclosure [Line Items]
Allowance for Credit Losses on Financing Receivables [Table Text Block]	The following presents by portfolio segment, the activity in allowance for loan losses for the years ended March 31, 2015 and 2014: Allowance for Loan Losses Beginning Provision for Ending Balance Losses Charge-offs Recoveries Balance Year ended March 31, 2015: Real estate loans: Single-family, owner occupied $ 209,010 $ (46,607) $ - $ - $ 162,403 Single-family, non-owner occupied 52,576 (19,370) - - 33,206 Multi-family, 5 or more units 2,356 (856) - - 1,500 Commercial 8,971 (2,985) - - 5,986 Land 4,677 (2,156) - - 2,521 Consumer loans 4,420 (1,466) - - 2,954 Unallocated 22,093 11,440 - - 33,533 $ 304,103 $ (62,000) $ - $ - $ 242,103 Allowance for Loan Losses Beginning Provision for Ending Balance Losses Charge-offs Recoveries Balance Year ended March 31, 2014: Real estate loans: Single-family, owner occupied $ 287,934 $ (64,920) $ (14,004) $ - $ 209,010 Single-family, non-owner occupied 30,865 21,711 - - 52,576 Multi-family, 5 or more units 3,036 (680) - - 2,356 Commercial 12,793 (3,822) - - 8,971 Land 4,841 (164) - - 4,677 Consumer loans 4,627 1,831 (2,038) - 4,420 Unallocated 39,007 (16,914) - - 22,093 $ 383,103 $ (62,958) $ (16,042) $ - $ 304,103

Premises and Equipment, Net (Ta

Premises and Equipment, Net (Tables)	12 Months Ended
	Mar. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment [Table Text Block]	At March 31, 2015 2014 Land $ 349,032 $ 349,032 Land for possible future branch location 152,263 152,263 Office buildings and improvements 1,613,203 1,507,409 Furniture and equipment 790,164 749,634 2,904,662 2,758,338 Less accumulated depreciation 1,706,203 1,612,992 $ 1,198,459 $ 1,145,346

Foreclosed Real Estate (Tables)

Foreclosed Real Estate (Tables)	12 Months Ended
	Mar. 31, 2015
Foreclosed Real Estate [Abstract]
Schedule Of Foreclosed Real Estate [Table Text Block]	At March 31, 2015 2014 Foreclosed real estate - residential $ 434,367 $ 754,704
Schedule Of Activity In Foreclosed Real Estate [Table Text Block]	Activity in foreclosed real estate is summarized as follows: Years Ended March 31, 2015 2014 Beginning balance $ 754,704 $ 324,280 Loans to foreclosed real estate 152,109 414,190 Foreclosed real estate to loans (50,000) - Provision for losses (68,712) (15,000) (Proceeds from sale) additions, net (353,734) 31,234 Ending balance $ 434,367 $ 754,704

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Mar. 31, 2015
Deposits [Abstract]
Schedule Of Deposit Liabilities [Table Text Block]	Deposits are summarized as follows: At March 31, Description and Weighted-average Rate 2015 2014 Non-interest bearing NOW accounts $ 3,717,893 $ 6,831,968 NOW accounts, .16% and .15% 6,740,640 6,313,783 Savings accounts, .25% and .25% 14,196,652 13,874,460 Money market accounts, .47% and .47% 16,384,582 18,351,396 Total transaction accounts 41,039,767 45,371,607 Certificates: 0.01 - 1.00% 13,145,671 16,949,056 1.01 - 2.00% 21,623,726 13,404,510 2.01 - 3.00% 481,797 2,043,235 3.01 - 4.00% - 32,414 Total certificates, 1.16% and .96% 35,251,194 32,429,215 Total deposits, .69% and .57% $ 76,290,961 $ 77,800,822
Schedule Of Maturity Of Certificate Of Deposits [Table Text Block]	Certificate maturities are summarized as follows: At March 31, 2015 2014 First year $ 17,089,555 $ 17,029,828 Second year 5,406,160 6,659,469 Third year 5,990,269 4,733,826 Fourth year 2,990,837 846,686 Fifth year 3,774,373 3,159,406 $ 35,251,194 $ 32,429,215
Schedule of Interest Expense On Deposits [Table Text Block]	Interest expense on deposits is summarized as follows: Years Ended March 31, 2015 2014 NOW accounts $ 10,117 $ 8,256 Savings accounts 34,277 35,695 Money market accounts 81,983 80,745 Certificates 332,214 323,879 $ 458,591 $ 448,575

Advances from FHLBC (Tables)

Advances from FHLBC (Tables)	12 Months Ended
	Mar. 31, 2015
Federal Home Loan Banks [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	Advances from FHLBC are summarized as follows: At March 31, Final Maturity Date Interest Rate 2015 2014 February 13, 2017 4.71 % $ 5,000,000 $ 5,000,000

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	The provision for income taxes differs from the Federal statutory corporate tax rate of 34 Years Ended March 31, 2015 2014 Federal statutory income tax rate 34.0 % 34.0 % Increases (decreases) in tax rate: State taxes, net of Federal tax benefit 6.2 6.1 Other, net 1.4 (1.2) Tax rate 41.6 % 38.9 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	The components of the net deferred tax liability are summarized as follows: At March 31, 2015 2014 Deferred tax liabilities: FHLB stock dividends $ 99,636 $ 99,636 Tax over book depreciation 150,920 159,620 Accrued income and expense 90,760 79,812 Total deferred tax liabilities 341,316 339,068 Deferred tax assets: Allowance for losses on loans (94,420) (118,600) Book over tax ESOP expense (24,417) (20,360) Other (2,371) - Total deferred tax assets (121,208) (138,960) Net deferred tax liability $ 220,108 $ 200,108
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Income taxes are summarized as follows: Years Ended March 31, 2015 2014 Current: Federal $ 100,855 $ 138,110 State 28,673 49,925 129,528 188,035 Deferred: Federal 15,000 61,583 State 5,000 9,660 20,000 71,243 Total income taxes $ 149,528 $ 259,278

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Mar. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	ESOP shares are summarized as follows: At March 31, 2015 2014 Allocated 22,045 15,990 Committed-to-be-allocated 1,332 593 Unallocated 55,965 18,366 Total ESOP Shares 79,342 34,949 Fair value of unallocated shares $ 587,633 $ 157,948
Schedule Of Restricted Stock Award Expense [Table Text Block]	A summary of the Company’s restricted stock award expense under the Plan is as follows: Year Ended March 31, 2014 Pre-tax $ 10,225 After-tax 6,053 Basic and diluted earnings per share $ 0.01

Stockholders' Equity and Regu32

Stockholders' Equity and Regulatory Capital (Tables)	12 Months Ended
	Mar. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	The Company’s actual and required capital amounts and ratios at March 31, 2015 are as follows: Minimum Required for Capital to be "Well Actual Adequacy Capitalized" At March 31, 2015: Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Total capital to risk-weighted assets $ 13,526 28.8 % $ 3,763 8.0 % $ 4,704 10.0 % Tier 1 capital to risk-weighted assets $ 13,284 28.2 % $ 2,823 6.0 % $ 3,763 8.0 % Common equity tier 1 capital to risk- weighted assets $ 13,284 28.2 % $ 2,117 4.5 % $ 3,058 6.5 % Tier 1 capital to total assets $ 13,284 14.1 % $ 3,760 4.0 % $ 4,699 5.0 %
Tempo Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	The Bank’s actual and required capital amounts and ratios at March 31, 2015 and 2014 are as follows: Minimum Required for Capital to be "Well Actual Adequacy Capitalized" At March 31, 2015: Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Total capital to risk-weighted assets $ 11,672 24.9 % $ 3,757 8.0 % $ 4,696 10.0 % Tier 1 capital to risk-weighted assets $ 11,430 24.3 % $ 2,818 6.0 % $ 3,757 8.0 % Common equity tier 1 capital to risk- weighted assets $ 11,430 24.3 % $ 2,113 4.5 % $ 3,052 6.5 % Tier 1 capital to total assets $ 11,430 12.2 % $ 3,756 4.0 % $ 4,695 5.0 % Minimum Required for Capital to be "Well Actual Adequacy Capitalized" At March 31, 2014: Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) Total capital to risk-weighted assets $ 10,276 22.3 % $ 3,687 8.0 % $ 4,608 10.0 % Tier 1 capital to risk-weighted assets $ 9,972 21.6 % $ 1,843 4.0 % $ 2,765 6.0 % Tier 1 capital to total assets $ 9,972 10.6 % $ 3,764 4.0 % $ 4,705 5.0 %

Fair Value Measurements and F33

Fair Value Measurements and Fair Value of Financial Instruments (Tables)	12 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Measurements, Nonrecurring [Table Text Block]	Following is a summary of the activity in the allowance for losses on impaired loans including troubled debt restructurings: Years Ended March 31, 2015 2014 Balance, beginning of year $ 65,525 $ 108,363 Loan charge-offs - (14,004) Loan recoveries - - Provision for (credit to) loan losses (11,860) (28,834) Balance, end of year $ 53,665 $ 65,525
Schedule of Carrying Values and Estimated Fair Values of Financial Instruments [Table Text Block]	The carrying amount, fair value and the financial hierarchy of the Company’s financial instruments are summarized in the following table. Fair values of financial instruments have been estimated by the Company based upon available market information with the assistance of an independent consultant. March 31, 2015 Carrying Fair Fair Value Measurements Using Amount Value (Level 1) (Level 2) (Level 3) Non-trading instruments and nonderivatives: Cash and cash equivalents $ 16,720,008 $ 16,720,008 $ 16,720,008 $ - $ - Stock in FHLB of Chicago 1,165,513 1,165,513 - 1,165,513 - Loans receivable, net 75,463,746 79,924,031 - 78,347,039 1,576,992 Accrued interest receivable on loans 257,576 257,576 - 257,576 - Deposits 76,290,961 72,906,558 - 72,906,558 - Accrued interest on deposits 50,070 50,070 - 50,070 - Advances from FHLB of Chicago $ 5,000,000 $ 5,353,750 $ - $ 5,353,750 $ - March 31, 2014 Carrying Fair Fair Value Measurements Using Amount Value (Level 1) (Level 2) (Level 3) Non-trading instruments and nonderivatives: Cash and cash equivalents $ 16,647,828 $ 16,647,828 $ 16,647,828 $ - $ - Stock in FHLB of Chicago 1,165,513 1,165,513 - 1,165,513 - Loans receivable, net 73,386,855 76,404,679 - 74,992,359 1,412,320 Accrued interest receivable on loans 241,411 241,411 - 241,411 - Deposits 77,800,822 71,176,039 - 71,176,039 - Accrued interest on deposits 38,371 38,371 - 38,371 - Advances from FHLB of Chicago $ 5,000,000 $ 5,498,149 $ - $ 5,498,149 $ -

Parent Company Only Financial34

Parent Company Only Financial Statements (Tables)	12 Months Ended
	Mar. 31, 2015
Statement of Financial Position [Abstract]
Condensed Balance Sheet [Table Text Block]	Balance Sheets March 31, 2015 2014 Assets Cash and cash equivalents $ 1,279,610 $ 183,527 Investment in Bank 11,429,668 9,972,129 ESOP note receivable 494,685 235,873 Accrued interest receivable 6,596 4,799 Other assets 82,396 17,184 Total assets $ 13,292,955 $ 10,413,512 Liabilities and Stockholders' Equity Other liabilities $ 8,640 $ 13,020 Common stock 9,492 9,069 Additional paid-in capital 6,124,848 3,288,508 Treasury stock - (85,638) Common stock acquired by ESOP (432,527) (183,670) Retained earnings - substantially restricted 7,582,502 7,372,223 Total stockholders' equity 13,284,315 10,400,492 Total liabilities and stockholders' equity $ 13,292,955 $ 10,413,512
Condensed Income Statement [Table Text Block]	Statements of Earnings Years Ended March 31, 2015 2014 Interest income on ESOP note receivable $ 27,628 $ 20,682 Interest income - MMDA with Bank 4,347 746 Total interest income 31,975 21,428 Dividend from Bank - 129,500 Noninterest income - - Noninterest expense (82,333) (25,206) (Loss) earnings before income taxes and equity in undistributed earnings of Bank (50,358) 125,722 Income tax benefit 19,931 1,451 Net (loss) earnings before equity in undistributed earnings of Bank (30,427) 127,173 Equity in undistributed earnings of Bank 240,706 279,742 Net earnings $ 210,279 $ 406,915
Condensed Cash Flow Statement [Table Text Block]	Statements of Cash Flows Years Ended March 31, 2015 2014 Cash flows from operating activities: Net earnings $ 210,279 $ 406,915 Adjustments to reconcile net earnings to net cash used for operating activities: Equity in undistributed earnings of Bank (240,706) (279,742) (Increase) decrease in accrued interest receivable (1,797) 411 Increase in other assets (65,212) (17,184) (Decrease) increase in other liabilities (4,380) 12,113 Net cash (used for) provided by operating activities (101,816) 122,513 Cash flow from investing activities: Capital contribution to Bank (1,457,234) - Repayment of ESOP loan 40,858 20,270 Net cash (used for) provided by investing activities (1,416,376) 20,270 Cash flow from financing activities: Proceeds from sale of common stock 2,614,275 - Cash dividends paid - (87,370) Repurchase of common stock - (2,731) Net cash provided by (used for) financing activities 2,614,275 (90,101) Net increase in cash and cash equivalents 1,096,083 52,682 Cash and cash equivalents at beginning of year 183,527 130,845 Cash and cash equivalents at end of year $ 1,279,610 $ 183,527

Summary of Significant Accoun35

Summary of Significant Accounting Policies (Details) - Entity [Domain] - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Basic and diluted earnings per share:
Net earnings	$ 210,279	$ 406,915
Less dividends paid:
Common stock	0	87,016
Participating securities	0	354
Undistributed earnings	$ 210,279	$ 319,545
Weighted-average basic and diluted shares and participating securities outstanding	889,902	875,776
Distributed earnings per share	$ 0	$ 0.10
Undistributed earnings per share	0.24	0.36
Net earnings per share	$ 0.24	$ 0.46

Summary of Significant Accoun36

Summary of Significant Accounting Policies (Details Textual) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Summary of Significant Accounting Policies [Line Items]
Common Stock, Par or Stated Value Per Share (in dollars per share)	$ 0.01	$ 0.01
Share Price		$ 7
Conversion of Stock, Description		each share of common stock of Old Sugar Creek Financial Corp. was converted into the right to receive 1.0453 shares of common stock
Interest-bearing Deposits in Banks and Other Financial Institutions	$ 13,123,082	$ 12,634,375
Federal Home Loan Bank Stock and Federal Reserve Bank Stock, Total	$ 569,613
Common Stock [Member]
Summary of Significant Accounting Policies [Line Items]
Stock Issued During Period, Shares, Acquisitions		535,127
Common Stock, Par or Stated Value Per Share (in dollars per share)		$ 0.01
Stock Issued During Period, Shares, Stock Splits		414,118
Building and Building Improvements [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Estimated Useful Lives	forty years
Building and Building Improvements [Member] | Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Estimated Useful Lives	fifteen
Furniture and Fixtures [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Estimated Useful Lives	ten years
Furniture and Fixtures [Member] | Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Estimated Useful Lives	three

Loans Receivable, Net (Details)

Loans Receivable, Net (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	$ 75,792,734	$ 73,782,807
Allowance for losses	(242,103)	(304,103)	$ (383,103)
Deferred loan fees, net	(86,885)	(91,849)
Total loans	75,463,746	73,386,855
Consumer Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	1,562,398	1,912,416
Allowance for losses	(2,954)	(4,420)	(4,627)
Real Estate [Member] | Single Family Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	61,255,147	58,115,912
Allowance for losses	(162,403)	(209,010)	(287,934)
Real Estate [Member] | Single Family Nonowner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	8,162,534	8,437,076
Allowance for losses	(33,206)	(52,576)	(30,865)
Real Estate [Member] | Multi Family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	721,130	782,917
Allowance for losses	(1,500)	(2,356)	(3,036)
Real Estate [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	2,878,651	2,980,571
Allowance for losses	(5,986)	(8,971)	(12,793)
Real Estate [Member] | Land Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans and Leases Receivable	1,212,874	1,553,915
Allowance for losses	$ (2,521)	$ (4,677)	$ (4,841)

Loans Receivable, Net (Details

Loans Receivable, Net (Details 1) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	$ 304,103	$ 383,103
Provision for Losses	62,000	62,958
Charge-offs	0	(16,042)
Recoveries	0	0
Ending Balance	242,103	304,103
Unallocated Financing Receivables [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	22,093	39,007
Provision for Losses	11,440	(16,914)
Charge-offs	0	0
Recoveries	0	0
Ending Balance	33,533	22,093
Consumer Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	4,420	4,627
Provision for Losses	(1,466)	1,831
Charge-offs	0	(2,038)
Recoveries	0	0
Ending Balance	2,954	4,420
Real Estate [Member] | Single Family Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	209,010	287,934
Provision for Losses	(46,607)	(64,920)
Charge-offs	0	(14,004)
Recoveries	0	0
Ending Balance	162,403	209,010
Real Estate [Member] | Single Family Nonowner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	52,576	30,865
Provision for Losses	(19,370)	21,711
Charge-offs	0	0
Recoveries	0	0
Ending Balance	33,206	52,576
Real Estate [Member] | Multi Family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	2,356	3,036
Provision for Losses	(856)	(680)
Charge-offs	0	0
Recoveries	0	0
Ending Balance	1,500	2,356
Real Estate [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	8,971	12,793
Provision for Losses	(2,985)	(3,822)
Charge-offs	0	0
Recoveries	0	0
Ending Balance	5,986	8,971
Real Estate [Member] | Land Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Beginning Balance	4,677	4,841
Provision for Losses	(2,156)	(164)
Charge-offs	0	0
Recoveries	0	0
Ending Balance	$ 2,521	$ 4,677

Loans Receivable, Net (Detail39

Loans Receivable, Net (Details 2) - USD ($)	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	$ 53,665	$ 65,525
Allowance for Loan Losses, Collectively Evaluated for Impairment	188,438	238,578
Allowance for Loan Losses, Total	242,103	304,103	$ 383,103
Loans, Individually Evaluated for Impairment	1,576,992	1,412,320
Loans, Collectively Evaluated for Impairment	74,215,742	72,370,487
Loans, Total	75,792,734	73,782,807
Unallocated Financing Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Collectively Evaluated for Impairment	33,533	22,093
Allowance for Loan Losses, Total	33,533	22,093	39,007
Loans, Individually Evaluated for Impairment	0	0
Loans, Collectively Evaluated for Impairment	0	0
Loans, Total	0	0
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Collectively Evaluated for Impairment	2,954	4,420
Allowance for Loan Losses, Total	2,954	4,420	4,627
Loans, Individually Evaluated for Impairment	0	0
Loans, Collectively Evaluated for Impairment	1,562,398	1,912,416
Loans, Total	1,562,398	1,912,416
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	53,665	65,525
Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	37,000	37,000
Allowance for Loan Losses, Collectively Evaluated for Impairment	125,403	172,010
Allowance for Loan Losses, Total	162,403	209,010	287,934
Loans, Individually Evaluated for Impairment	1,209,527	966,027
Loans, Collectively Evaluated for Impairment	60,045,620	57,149,885
Loans, Total	61,255,147	58,115,912
Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	16,665	28,525
Allowance for Loan Losses, Collectively Evaluated for Impairment	16,541	24,051
Allowance for Loan Losses, Total	33,206	52,576	30,865
Loans, Individually Evaluated for Impairment	239,842	446,293
Loans, Collectively Evaluated for Impairment	7,922,692	7,990,783
Loans, Total	8,162,534	8,437,076
Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Collectively Evaluated for Impairment	1,500	2,356
Allowance for Loan Losses, Total	1,500	2,356	3,036
Loans, Individually Evaluated for Impairment	127,623	0
Loans, Collectively Evaluated for Impairment	593,507	782,917
Loans, Total	721,130	782,917
Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Collectively Evaluated for Impairment	5,986	8,971
Allowance for Loan Losses, Total	5,986	8,971	12,793
Loans, Individually Evaluated for Impairment	0	0
Loans, Collectively Evaluated for Impairment	2,878,651	2,980,571
Loans, Total	2,878,651	2,980,571
Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Collectively Evaluated for Impairment	2,521	4,677
Allowance for Loan Losses, Total	2,521	4,677	$ 4,841
Loans, Individually Evaluated for Impairment	0	0
Loans, Collectively Evaluated for Impairment	1,212,874	1,553,915
Loans, Total	$ 1,212,874	$ 1,553,915

Loans Receivable, Net (Detail40

Loans Receivable, Net (Details 3) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans Total	$ 1,576,992	$ 1,178,131
Impaired Loans Allowance for Losses	53,665	65,525
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	0	0
Impaired Loans With no Allowance for Losses	0	0
Impaired Loans Total	0	0
Impaired Loans Unpaid Principal Balance	0	0
Impaired Loans Allowance for Losses	0	0
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	1,154,356	1,412,320
Impaired Loans With no Allowance for Losses	422,636	0
Impaired Loans Total	1,576,992	1,412,320
Impaired Loans Unpaid Principal Balance	1,576,992	1,412,320
Impaired Loans Allowance for Losses	53,665	65,525
Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	946,720	966,027
Impaired Loans With no Allowance for Losses	262,807	0
Impaired Loans Total	1,209,527	966,027
Impaired Loans Unpaid Principal Balance	1,209,527	966,027
Impaired Loans Allowance for Losses	37,000	37,000
Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	207,636	446,293
Impaired Loans With no Allowance for Losses	32,206	0
Impaired Loans Total	239,842	446,293
Impaired Loans Unpaid Principal Balance	239,842	446,293
Impaired Loans Allowance for Losses	16,665	28,525
Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	0	0
Impaired Loans With no Allowance for Losses	127,623	0
Impaired Loans Total	127,623	0
Impaired Loans Unpaid Principal Balance	127,623	0
Impaired Loans Allowance for Losses	0	0
Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	0	0
Impaired Loans With no Allowance for Losses	0	0
Impaired Loans Total	0	0
Impaired Loans Unpaid Principal Balance	0	0
Impaired Loans Allowance for Losses	0	0
Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Loans With Allowance for Losses	0	0
Impaired Loans With no Allowance for Losses	0	0
Impaired Loans Total	0	0
Impaired Loans Unpaid Principal Balance	0	0
Impaired Loans Allowance for Losses	$ 0	$ 0

Loans Receivable, Net (Detail41

Loans Receivable, Net (Details 4) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 422,636	$ 0
Past Due 90 Days and More Still Accruing	0	0
Accruing Troubled Debt Restructurings	1,154,356	1,178,131
Total	1,576,992	1,178,131
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual		0
Past Due 90 Days and More Still Accruing		0
Accruing Troubled Debt Restructurings		0
Total	0	0
Consumer Loan [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	0
Past Due 90 Days and More Still Accruing	0
Accruing Troubled Debt Restructurings	0
Total	0
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,576,992	1,412,320
Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,209,527	966,027
Real Estate [Member] | Single Family Owner Occupied [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	262,807	0
Past Due 90 Days and More Still Accruing	0	0
Accruing Troubled Debt Restructurings	946,720	966,027
Total	1,209,527	966,027
Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	239,842	446,293
Real Estate [Member] | Single Family Nonowner Occupied [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	32,206	0
Past Due 90 Days and More Still Accruing	0	0
Accruing Troubled Debt Restructurings	207,636	212,104
Total	239,842	212,104
Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	127,623	0
Real Estate [Member] | Multi Family [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	127,623	0
Past Due 90 Days and More Still Accruing	0	0
Accruing Troubled Debt Restructurings	0	0
Total	127,623	0
Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	0	0
Real Estate [Member] | Commercial Real Estate [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	0	0
Past Due 90 Days and More Still Accruing	0	0
Accruing Troubled Debt Restructurings	0	0
Total	0	0
Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	0	0
Real Estate [Member] | Land Loan [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	0	0
Past Due 90 Days and More Still Accruing	0	0
Accruing Troubled Debt Restructurings	0	0
Total	$ 0	$ 0

Loans Receivable, Net (Detail42

Loans Receivable, Net (Details 5) - 12 months ended Mar. 31, 2014 - New Troubled Debt Restructurings [Member]	USD ($)Contracts
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contracts	3
Pre-modification Outstanding Recorded Investment	$ 690,089
Post-modification Outstanding Recorded Investment	$ 715,376
Single Family Owner Occupied [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contracts	1
Pre-modification Outstanding Recorded Investment	$ 499,223
Post-modification Outstanding Recorded Investment	$ 503,272
Single Family Nonowner Occupied [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contracts	2
Pre-modification Outstanding Recorded Investment	$ 190,866
Post-modification Outstanding Recorded Investment	$ 212,104

Loans Receivable, Net (Detail43

Loans Receivable, Net (Details 6) - Troubled Debt Restructuring [Member] - Real Estate [Member]	12 Months Ended
	Mar. 31, 2015USD ($)Contracts	Mar. 31, 2014USD ($)Contracts
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contracts	4	4
Recorded Investment	$ 1,154,356	$ 1,178,131
Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contracts	2	2
Recorded Investment	$ 946,720	$ 966,027
Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Contracts | Contracts	2	2
Recorded Investment	$ 207,636	$ 212,104

Loans Receivable, Net (Detail44

Loans Receivable, Net (Details 7) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	$ 1,059,143	$ 808,034
60-89	232,146	509,990
90 or more	422,636	0
Current	74,078,809	72,464,783
Total	75,792,734	73,782,807
Single Family Owner Occupied [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	61,255,147	58,115,912
Single Family Owner Occupied [Member] | Performing Financing Receivable [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	1,032,922	808,034
60-89	41,745	277,663
90 or more	262,807	0
Current	59,917,673	57,030,215
Total	61,255,147	58,115,912
Single Family Nonowner Occupied [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	8,162,534	8,437,076
Single Family Nonowner Occupied [Member] | Performing Financing Receivable [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	0	0
60-89	186,457	212,104
90 or more	32,206	0
Current	7,943,871	8,224,972
Total	8,162,534	8,437,076
Multi Family [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	721,130	782,917
Multi Family [Member] | Performing Financing Receivable [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	0	0
60-89	0	0
90 or more	127,623	0
Current	593,507	782,917
Total	721,130	782,917
Commercial Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,878,651	2,980,571
Commercial Real Estate [Member] | Performing Financing Receivable [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	0	0
60-89	0	0
90 or more	0	0
Current	2,878,651	2,980,571
Total	2,878,651	2,980,571
Land Loan [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,212,874	1,553,915
Land Loan [Member] | Performing Financing Receivable [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	0	0
60-89	0	0
90 or more	0	0
Current	1,212,874	1,553,915
Total	1,212,874	1,553,915
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,562,398	1,912,416
Consumer Loan [Member] | Performing Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59	26,221	0
60-89	3,944	20,223
90 or more	0	0
Current	1,532,233	1,892,193
Total	$ 1,562,398	$ 1,912,416

Loans Receivable, Net (Detail45

Loans Receivable, Net (Details 8) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	$ 75,792,734	$ 73,782,807
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	1,562,398	1,912,416
Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	61,255,147	58,115,912
Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	8,162,534	8,437,076
Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	721,130	782,917
Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	2,878,651	2,980,571
Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	1,212,874	1,553,915
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	446,293
Special Mention [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Special Mention [Member] | Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Special Mention [Member] | Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	446,293
Special Mention [Member] | Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Special Mention [Member] | Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Special Mention [Member] | Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	1,576,992	966,027
Substandard [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Substandard [Member] | Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	1,209,527	966,027
Substandard [Member] | Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	239,842	0
Substandard [Member] | Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	127,623	0
Substandard [Member] | Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Substandard [Member] | Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member] | Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member] | Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member] | Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member] | Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Doubtful [Member] | Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	74,215,742	72,370,487
Pass [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	1,562,398	1,912,416
Pass [Member] | Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	60,045,620	57,149,885
Pass [Member] | Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	7,922,692	7,990,783
Pass [Member] | Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	593,507	782,917
Pass [Member] | Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	2,878,651	2,980,571
Pass [Member] | Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	1,212,874	1,553,915
Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Loss [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Loss [Member] | Real Estate [Member] | Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Loss [Member] | Real Estate [Member] | Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Loss [Member] | Real Estate [Member] | Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Loss [Member] | Real Estate [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	0	0
Loss [Member] | Real Estate [Member] | Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable	$ 0	$ 0

Loans Receivable, Net (Detail46

Loans Receivable, Net (Details 9) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of year	$ 3,248,771	$ 3,810,461
Additions	595,995	568,998
Repayments	(669,076)	(1,130,688)
Balance, end of year	$ 3,175,690	$ 3,248,771

Loans Receivable, Net (Detail47

Loans Receivable, Net (Details Textual) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross Interest Income, Nonaccrual Status	$ 9,404
Financing Receivable, Interest Income, Nonaccrual Method	$ 5,989
Weighted Average Rate On Loans Receivable	4.36%	4.50%
Debt Instrument, Periodic Payment Terms, Balloon Payment to be Paid	$ 36,219,383	$ 32,927,614
Participating Mortgage Loan, Description	Land loans are secured by unimproved land with terms of fifteen years or less and loan amounts that do not exceed 85% of the lesser of the appraised value or the purchase price
Single Family Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, Average Recorded Investment, Total	$ 1,219,813	979,146
Single Family Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, Average Recorded Investment, Total	227,375	$ 37,191
Multi Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, Average Recorded Investment, Total	53,176
Single Family Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Investment Owned, at Cost	$ 204,003

Premises and Equipment, Net (De

Premises and Equipment, Net (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Property, Plant and Equipment [Line Items]
Land	$ 349,032	$ 349,032
Land for possible future branch location	152,263	152,263
Office buildings and improvements	1,613,203	1,507,409
Furniture and equipment	790,164	749,634
Property, Plant and Equipment, Gross, Total	2,904,662	2,758,338
Less accumulated depreciation	1,706,203	1,612,992
Property, Plant and Equipment, Net, Total	$ 1,198,459	$ 1,145,346

Premises and Equipment, Net (49

Premises and Equipment, Net (Details Textual) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Property, Plant and Equipment [Line Items]
Depreciation, Total	$ 93,212	$ 84,509

Foreclosed Real Estate (Details

Foreclosed Real Estate (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Foreclosed Real Estate [Line Items]
Foreclosed real estate - residential	$ 434,367	$ 754,704

Foreclosed Real Estate (Detai51

Foreclosed Real Estate (Details 1) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Foreclosed Real Estate [Line Items]
Beginning balance	$ 754,704	$ 324,280
Loans to foreclosed real estate	152,109	414,190
Foreclosed real estate to loans	(50,000)	0
Provision for losses	(68,712)	(15,000)
(Proceeds from sale) additions, net	(353,734)	31,234
Ending balance	$ 434,367	$ 754,704

Deposits (Details)

Deposits (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Deposits [Line Items]
Non-interest bearing NOW accounts	$ 3,717,893	$ 6,831,968
NOW accounts, .16% and .15%	6,740,640	6,313,783
Savings accounts, .25% and .25%	14,196,652	13,874,460
Money market accounts, .47% and .47%	16,384,582	18,351,396
Total transaction accounts	41,039,767	45,371,607
Time Deposits	35,251,194	32,429,215
Total deposits, .69% and .57%	76,290,961	77,800,822
0.01 - 1.00%
Deposits [Line Items]
Time Deposits	13,145,671	16,949,056
1.01 - 2.00%
Deposits [Line Items]
Time Deposits	21,623,726	13,404,510
2.01 - 3.00%
Deposits [Line Items]
Time Deposits	481,797	2,043,235
3.01 - 4.00%
Deposits [Line Items]
Time Deposits	$ 0	$ 32,414

Deposits (Details 1)

Deposits (Details 1) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Deposits [Line Items]
First year	$ 17,089,555	$ 17,029,828
Second year	5,406,160	6,659,469
Third year	5,990,269	4,733,826
Fourth year	2,990,837	846,686
Fifth year	3,774,373	3,159,406
Time Deposits	$ 35,251,194	$ 32,429,215

Deposits (Details 2)

Deposits (Details 2) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Deposits [Line Items]
NOW accounts	$ 10,117	$ 8,256
Savings accounts	34,277	35,695
Money market accounts	81,983	80,745
Certificates	332,214	323,879
Interest Expense Deposits	$ 458,591	$ 448,575

Deposits (Details Textual)

Deposits (Details Textual) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Notice of Withdrawal	0.16%	0.15%
Weighted Average Rate Domestic Deposit, Savings	0.25%	0.25%
Weighted Average Rate Domestic Deposit, Money Market	0.47%	0.47%
Weighted Average Rate Domestic Deposit, Certificates of Deposit	1.16%	0.96%
Weighted Average Rate Domestic Deposit	0.69%	0.57%
Transaction Accounts Deposits 250,000 Or More	$ 1,750,856	$ 1,749,413
Maximum [Member] | Interest Rate Range One [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	1.00%
Maximum [Member] | Interest Rate Range Two [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	2.00%
Maximum [Member] | Interest Rate Range Three [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	3.00%
Maximum [Member] | Interest Rate Range Four [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	4.00%
Minimum [Member] | Interest Rate Range One [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	0.01%
Minimum [Member] | Interest Rate Range Two [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	1.01%
Minimum [Member] | Interest Rate Range Three [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	2.01%
Minimum [Member] | Interest Rate Range Four [Member]
Deposits [Line Items]
Weighted Average Rate Domestic Deposit, Certificates of Deposit	3.01%

Advances from FHLBC (Details)

Advances from FHLBC (Details) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank Of FHLB Bank, Due Date	Feb. 13, 2017
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	4.71%
Advances from Federal Home Loan Banks, Total	$ 5,000,000	$ 5,000,000

Advances from FHLBC (Details Te

Advances from FHLBC (Details Textual) $ in Millions	Mar. 31, 2015USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	$ 42
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	2
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 47

Income Taxes (Details)

Income Taxes (Details)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Income Taxes [Line Items]
Federal statutory income tax rate	34.00%	34.00%
Increases (decreases) in tax rate:
State taxes, net of Federal tax benefit	6.20%	6.10%
Other, net	1.40%	(1.20%)
Tax rate	41.60%	38.90%

Income Taxes (Details 1)

Income Taxes (Details 1) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Deferred tax liabilities:
FHLB stock dividends	$ 99,636	$ 99,636
Tax over book depreciation	150,920	159,620
Accrued income and expense	90,760	79,812
Total deferred tax liabilities	341,316	339,068
Deferred tax assets:
Allowance for losses on loans	(94,420)	(118,600)
Book over tax ESOP expense	(24,417)	(20,360)
Other	(2,371)	0
Total deferred tax assets	(121,208)	(138,960)
Net deferred tax liability	$ 220,108	$ 200,108

Income Taxes (Details 2)

Income Taxes (Details 2) - Entity [Domain] - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Current:
Federal	$ 100,855	$ 138,110
State	28,673	49,925
Current Income Tax Expense (Benefit), Total	129,528	188,035
Deferred:
Federal	15,000	61,583
State	5,000	9,660
Deferred Income Tax Expense (Benefit), Total	20,000	71,243
Total income taxes	$ 149,528	$ 259,278

Income Taxes (Details Textual)

Income Taxes (Details Textual) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Income Taxes [Line Items]
Bad Debt Reserve forTax Purposes of Qualified Lender	$ 888,000	$ 888,000
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	34.00%	34.00%

Employee Benefits (Details)

Employee Benefits (Details) - USD ($)	Mar. 31, 2015	Apr. 18, 2014	Mar. 31, 2014
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Allocated	22,045	724	15,990
Committed-to-be-allocated	1,332		593
Unallocated	55,965	859	18,366
Total ESOP Shares	79,342	1,583	34,949
Fair value of unallocated shares	$ 587,633		$ 157,948

Employee Benefits (Details 1)

Employee Benefits (Details 1) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Basic and diluted earnings per share	$ 0.24	$ 0.46
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Pre-tax		$ 10,225
After-tax		$ 6,053
Basic and diluted earnings per share		$ 0.01

Employee Benefits (Details Text

Employee Benefits (Details Textual) - USD ($)	1 Months Ended				12 Months Ended
	Apr. 18, 2014	Jul. 31, 2008	Nov. 30, 2007	Apr. 30, 2007	Mar. 31, 2015	Mar. 31, 2014	Jun. 30, 2014	Jun. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common Stock, Shares, Issued					949,245	906,879
Defined Benefit Plan, Funded Percentage							110.66%	100.19%
Defined Benefit Plan, Benefits Paid					$ 150,028	$ 224,056
Defined Benefit Plan, Assets for Plan Benefits, Total							$ 375,949	$ 6,583
Defined Benefit Plan, Administration Expenses					$ 130,949	189,601
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent					20.00%
Defined Contribution Plan, Employer Matching Contribution, Percent of Match					4.00%
Defined Contribution Plan, Administrative Expenses					$ 27,855	26,635
Employee Stock Ownership Plan (ESOP), Compensation Expense					$ 59,269	$ 16,595
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares	724				22,045	15,990
Defined Benefit Plan Recognized Percentage							5.00%	5.00%
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period					3 years
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage					0.00%
Debt Instrument, Interest Rate, Stated Percentage	3.25%			8.25%
Employee Stock Ownership Plan (ESOP), Number of Suspense Shares	859				55,965	18,366
Employee Stock Ownership Plan (ESOP), Shares in ESOP	1,583				79,342	34,949
Debt Instrument, Term	15 years			15 years
Employee Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee Stock Ownership Plan (ESOP), Plan Description	the allocated and unallocated shares from this ESOP were exchanged for shares of the Company at an exchange rate of 1.0453 to 1.
Common Stock, Shares Held in Employee Trust, Shares	79,342
2007 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common Stock, Shares, Issued			62,211
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period			44,437
Stock Issued During Period, Shares, Restricted Stock Award, Gross			17,774
Sale of Stock, Price Per Share			$ 8.10
2007 Equity Incentive Plan | Board of Directors Chairman [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock Issued During Period, Shares, Restricted Stock Award, Gross		17,774
Common Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock Issued During Period, Shares, Employee Stock Ownership Plan	42,810			35,549

Stockholders' Equity and Regu65

Stockholders' Equity and Regulatory Capital (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Mar. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital to risk-weighted assets, Actual Amount	$ 13,526
Tier 1 capital to risk-weighted assets, Actual Amount	13,284
Common equity tier 1 capital to risk- weighted assets, Actual Amount	13,284
Tier 1 capital to total assets, Actual Amount	$ 13,284
Total capital to risk-weighted assets, Actual Ratio	28.80%
Tier 1 capital to risk-weighted assets, Actual Ratio	28.20%
Common equity tier 1 capital to risk- weighted assets, Actual Ratio	28.20%
Tier 1 capital to total assets, Actual Ratio	14.10%
Total capital to risk-weighted assets, Minimum Required for Capital Adequacy Amount	$ 3,763
Tier 1 capital to risk-weighted assets, Minimum Required for Capital Adequacy Amount	2,823
Common equity tier 1 capital to risk- weighted assets, Minimum Required for Capital Adequacy Amount	2,117
Tier 1 capital to total assets, Minimum Required for Capital Adequacy Amount	$ 3,760
Total capital to risk-weighted assets, Minimum Required for Capital Adequacy Ratio	8.00%
Tier 1 capital to risk-weighted assets, Minimum Required for Capital Adequacy Ratio	6.00%
Common equity tier 1 capital to risk- weighted assets, Minimum Required for Capital Adequacy Ratio	4.50%
Tier 1 capital to total assets, Minimum Required for Capital Adequacy Ratio	4.00%
Total capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Amount	$ 4,704
Tier 1 capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Amount	3,763
Common equity tier 1 capital to risk- weighted assets, Minimum Required to be "Well Capitalized" Amount	3,058
Tier 1 capital to total assets, Minimum Required to be "Well Capitalized" Amount	$ 4,699
Total capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Ratio	10.00%
Tier 1 capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Ratio	8.00%
Common equity tier 1 capital to risk- weighted assets, Minimum Required to be "Well Capitalized" Ratio	6.50%
Tier 1 capital to total assets, Minimum Required to be "Well Capitalized" Ratio	5.00%
Tempo Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital to risk-weighted assets, Actual Amount	$ 11,672	$ 10,276
Tier 1 capital to risk-weighted assets, Actual Amount	11,430	9,972
Common equity tier 1 capital to risk- weighted assets, Actual Amount	11,430
Tier 1 capital to total assets, Actual Amount	$ 11,430	$ 9,972
Total capital to risk-weighted assets, Actual Ratio	24.90%	22.30%
Tier 1 capital to risk-weighted assets, Actual Ratio	24.30%	21.60%
Common equity tier 1 capital to risk- weighted assets, Actual Ratio	24.30%
Tier 1 capital to total assets, Actual Ratio	12.20%	10.60%
Total capital to risk-weighted assets, Minimum Required for Capital Adequacy Amount	$ 3,757	$ 3,687
Tier 1 capital to risk-weighted assets, Minimum Required for Capital Adequacy Amount	2,818	1,843
Common equity tier 1 capital to risk- weighted assets, Minimum Required for Capital Adequacy Amount	2,113
Tier 1 capital to total assets, Minimum Required for Capital Adequacy Amount	$ 3,756	$ 3,764
Total capital to risk-weighted assets, Minimum Required for Capital Adequacy Ratio	8.00%	8.00%
Tier 1 capital to risk-weighted assets, Minimum Required for Capital Adequacy Ratio	6.00%	4.00%
Common equity tier 1 capital to risk- weighted assets, Minimum Required for Capital Adequacy Ratio	4.50%
Tier 1 capital to total assets, Minimum Required for Capital Adequacy Ratio	4.00%	4.00%
Total capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Amount	$ 4,696	$ 4,608
Tier 1 capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Amount	3,757	2,765
Common equity tier 1 capital to risk- weighted assets, Minimum Required to be "Well Capitalized" Amount	3,052
Tier 1 capital to total assets, Minimum Required to be "Well Capitalized" Amount	$ 4,695	$ 4,705
Total capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Ratio	10.00%	10.00%
Tier 1 capital to risk-weighted assets, Minimum Required to be "Well Capitalized" Ratio	8.00%	6.00%
Common equity tier 1 capital to risk- weighted assets, Minimum Required to be "Well Capitalized" Ratio	6.50%
Tier 1 capital to total assets, Minimum Required to be "Well Capitalized" Ratio	5.00%	5.00%

Stockholders' Equity and Regu66

Stockholders' Equity and Regulatory Capital (Details Textual)	Mar. 31, 2015
Stockholders’ Equity and Regulatory Capital [Line Items]
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%
Tier One Leverage Capital to Average Assets	28.20%
Parent Company [Member]
Stockholders’ Equity and Regulatory Capital [Line Items]
Excess Tier One Risk Based Capital to Risk Weighted Assets	4.50%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%
Tier One Leverage Capital to Average Assets	4.00%
Excess Capital to Risk Weighted Assets	2.50%
Parent Company [Member] | Scenario, Forecast [Member]
Stockholders’ Equity and Regulatory Capital [Line Items]
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	8.50%
Capital Required for Capital Adequacy to Risk Weighted Assets	10.50%
Tier One Leverage Capital to Average Assets	6.50%
Excess Capital to Risk Weighted Assets	0.625%
Minimum [Member] | Parent Company [Member]
Stockholders’ Equity and Regulatory Capital [Line Items]
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%

Financial Instruments with Of67

Financial Instruments with Off-Balance Sheet Risk (Details Textual) - Mar. 31, 2015 - Fixed Rate Residential Mortgage [Member] - USD ($)	Total
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage Loans on Real Estate, Beginning Balance	$ 708,200
Minimum [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage Loans on Real Estate, Interest Rate	3.125%
Maximum [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Mortgage Loans on Real Estate, Interest Rate	4.125%

Fair Value Measurements and F68

Fair Value Measurements and Fair Value of Financial Instruments (Details) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Fair Value Disclosures [Line Items]
Beginning Balance	$ 304,103	$ 383,103
Loan charge-offs	0	(16,042)
Loan recoveries	0	0
Provision for (credit to) loan losses	62,000	62,958
Ending Balance	242,103	304,103
Impaired Loan Receivable [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value Disclosures [Line Items]
Beginning Balance	65,525	108,363
Loan charge-offs	0	(14,004)
Loan recoveries	0	0
Provision for (credit to) loan losses	(11,860)	(28,834)
Ending Balance	$ 53,665	$ 65,525

Fair Value Measurements and F69

Fair Value Measurements and Fair Value of Financial Instruments (Details 1) - USD ($)	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Non-trading instruments and nonderivatives:
Cash and cash equivalents, Carrying Amount	$ 16,720,008	$ 16,647,828	$ 14,451,393
Cash and Cash Equivalents, Fair Value	16,720,008	16,647,828
Stock in FHLB of Chicago, Carrying Amount	1,165,513	1,165,513
Stock in FHLB of Chicago, Fair Value	1,165,513	1,165,513
Loans receivable, net, Carrying Amount	75,463,746	73,386,855
Loans Receivable, net, Fair Value	79,924,031	76,404,679
Accrued interest receivable on loans, Carrying Amount	257,576	241,411
Accrued interest receivable on loans, Fair Value	257,576	241,411
Deposits, Carrying Amount	76,290,961	77,800,822
Deposits, Fair Value	72,906,558	71,176,039
Accrued interest on deposits, Carrying Amount	50,070	38,371
Accrued interest on deposits, Fair Value	50,070	38,371
Advances from FHLB of Chicago, Carrying Amount	5,000,000	5,000,000
Advances from FHLB of Chicago, Fair Value	5,353,750	5,498,149
Fair Value, Inputs, Level 1 [Member]
Non-trading instruments and nonderivatives:
Cash and Cash Equivalents, Fair Value	16,720,008	16,647,828
Stock in FHLB of Chicago, Fair Value	0	0
Loans Receivable, net, Fair Value	0	0
Accrued interest receivable on loans, Fair Value	0	0
Deposits, Fair Value	0	0
Accrued interest on deposits, Fair Value	0	0
Advances from FHLB of Chicago, Fair Value	0	0
Fair Value, Inputs, Level 2 [Member]
Non-trading instruments and nonderivatives:
Cash and Cash Equivalents, Fair Value	0	0
Stock in FHLB of Chicago, Fair Value	1,165,513	1,165,513
Loans Receivable, net, Fair Value	78,347,039	74,992,359
Accrued interest receivable on loans, Fair Value	257,576	241,411
Deposits, Fair Value	72,906,558	71,176,039
Accrued interest on deposits, Fair Value	50,070	38,371
Advances from FHLB of Chicago, Fair Value	5,353,750	5,498,149
Fair Value, Inputs, Level 3 [Member]
Non-trading instruments and nonderivatives:
Cash and Cash Equivalents, Fair Value	0	0
Stock in FHLB of Chicago, Fair Value	0	0
Loans Receivable, net, Fair Value	1,576,992	1,412,320
Accrued interest receivable on loans, Fair Value	0	0
Deposits, Fair Value	0	0
Accrued interest on deposits, Fair Value	0	0
Advances from FHLB of Chicago, Fair Value	$ 0	$ 0

Fair Value Measurements and F70

Fair Value Measurements and Fair Value of Financial Instruments (Details Textual) - USD ($)	Mar. 31, 2015	Mar. 31, 2014
Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosures [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$ 1,576,992	$ 1,412,320
Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosures [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$ 434,367	$ 754,704

Parent Company Only Financial71

Parent Company Only Financial Statements (Details) - USD ($)	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Assets
Cash and cash equivalents	$ 16,720,008	$ 16,647,828	$ 14,451,393
Accrued interest receivable	257,576	241,411
Other Assets	331,950	770,149
Total assets	95,571,619	94,111,806
Liabilities and Stockholders' Equity
Other Liabilities	297,680	301,922
Common stock	9,492	9,069
Additional paid-in capital	6,124,848	3,288,508
Treasury stock	0	(85,638)
Common stock acquired by ESOP	(432,527)	(183,670)
Retained earnings - substantially restricted	7,582,502	7,372,223
Total stockholders' equity	13,284,315	10,400,492	10,056,858
Total liabilities and stockholders' equity	95,571,619	94,111,806
Parent Company [Member]
Assets
Cash and cash equivalents	1,279,610	183,527	$ 130,845
Investment in Bank	11,429,668	9,972,129
ESOP note receivable	494,685	235,873
Accrued interest receivable	6,596	4,799
Other Assets	82,396	17,184
Total assets	13,292,955	10,413,512
Liabilities and Stockholders' Equity
Other Liabilities	8,640	13,020
Common stock	9,492	9,069
Additional paid-in capital	6,124,848	3,288,508
Treasury stock	0	(85,638)
Common stock acquired by ESOP	(432,527)	(183,670)
Retained earnings - substantially restricted	7,582,502	7,372,223
Total stockholders' equity	13,284,315	10,400,492
Total liabilities and stockholders' equity	$ 13,292,955	$ 10,413,512

Parent Company Only Financial72

Parent Company Only Financial Statements (Details 1) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Condensed Income Statements, Captions [Line Items]
Total interest income	$ 3,341,415	$ 3,437,664
Noninterest income	131,455	165,176
Noninterest expense	(2,477,701)	(2,312,259)
(Loss) earnings before income taxes and equity in undistributed earnings of Bank	359,807	666,193
Income tax expense	149,528	259,278
Net earnings	210,279	406,915
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Interest income on ESOP note receivable	27,628	20,682
Interest income - MMDA with Bank	4,347	746
Total interest income	31,975	21,428
Dividend from Bank	0	129,500
Noninterest income	0	0
Noninterest expense	(82,333)	(25,206)
(Loss) earnings before income taxes and equity in undistributed earnings of Bank	(50,358)	125,722
Income tax expense	19,931	1,451
Net (loss) earnings before equity in undistributed earnings of Bank	(30,427)	127,173
Equity in undistributed earnings of Bank	240,706	279,742
Net earnings	$ 210,279	$ 406,915

Parent Company Only Financial73

Parent Company Only Financial Statements (Details 2) - USD ($)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Cash flows from operating activities:
Net earnings	$ 210,279	$ 406,915
Adjustments to reconcile net earnings to net cash used for operating activities:
(Increase) decrease in accrued interest receivable	(16,165)	16,762
Increase in other assets	438,199	(495,992)
(Decrease) increase in other liabilities	(4,242)	(34,365)
Net cash (used for) provided by operating activities	803,014	(162,875)
Cash flow from investing activities:
Net cash (used for) provided by investing activities	(1,893,642)	(1,074,644)
Cash flow from financing activities:
Proceeds from sale of common stock	2,614,275	0
Cash dividends paid	0	(87,370)
Repurchase of common stock	0	(2,731)
Net cash provided by (used for) financing activities	1,162,808	3,433,954
Net increase in cash and cash equivalents	72,180	2,196,435
Cash and cash equivalents at beginning of year	16,647,828	14,451,393
Cash and cash equivalents at end of year	16,720,008	16,647,828
Parent Company [Member]
Cash flows from operating activities:
Net earnings	210,279	406,915
Adjustments to reconcile net earnings to net cash used for operating activities:
Equity in undistributed earnings of Bank	240,706	279,742
(Increase) decrease in accrued interest receivable	(1,797)	411
Increase in other assets	(65,212)	(17,184)
(Decrease) increase in other liabilities	(4,380)	12,113
Net cash (used for) provided by operating activities	(101,816)	122,513
Cash flow from investing activities:
Capital contribution to Bank	(1,457,234)	0
Repayment of ESOP loan	40,858	20,270
Net cash (used for) provided by investing activities	(1,416,376)	20,270
Cash flow from financing activities:
Proceeds from sale of common stock	2,614,275	0
Cash dividends paid	0	(87,370)
Repurchase of common stock	0	(2,731)
Net cash provided by (used for) financing activities	2,614,275	(90,101)
Net increase in cash and cash equivalents	1,096,083	52,682
Cash and cash equivalents at beginning of year	183,527	130,845
Cash and cash equivalents at end of year	$ 1,279,610	$ 183,527