|
Note 10. - Loans Receivable, Net: Schedule of Allowance for Loan Losses by Segment (Details) (USD $)
|
6 Months Ended |
12 Months Ended |
|
Sep. 30, 2012
|
Mar. 31, 2012
|
| Allowance for loan losses balance beginning of period |
$ 8,910,121 |
$ 7,845,950 |
| Allowance for Loan and Lease Losses, Write-offs |
(776,605) |
(4,026,264) |
| Allowance for loan losses balance at end of period |
10,227,527 |
8,910,121 |
|
Commercial non-real estate
|
|
|
| Allowance for loan losses balance beginning of period |
1,332,392 |
99,408 |
| Allowance for loan losses provision for loan loss |
223,017 |
|
| Allowance for Loan and Lease Losses, Write-offs |
(103,080) |
(364,344) |
| Allowance for Loan and Lease Losses, Recoveries of Bad Debts |
600 |
8,242 |
| Allowance for loan losses balance at end of period |
1,452,929 |
1,332,392 |
| Loans Receivable Allowance for Loan Losses Individually Evaluated for Impairment |
548,991 |
566,942 |
| Loans Receivable Allowance for Loan Losses Collectively Evaluated for Impairment |
903,938 |
765,450 |
| Loans Receivable Individually Evaluated for Impairment |
1,596,286 |
1,571,433 |
| Loans Receivable Collectively Evaluated for Impairment |
52,311,926 |
47,047,375 |
| Loans Receivable Allowance for Loan Losses Ending Balance |
53,908,212 |
48,618,808 |
|
Commercial Real Estate
|
|
|
| Allowance for loan losses balance beginning of period |
566,317 |
2,223,090 |
| Allowance for loan losses provision for loan loss |
1,304,269 |
|
| Allowance for Loan and Lease Losses, Write-offs |
|
(206,328) |
| Allowance for Loan and Lease Losses, Recoveries of Bad Debts |
2,897 |
|
| Allowance for loan losses balance at end of period |
1,873,483 |
566,317 |
| Loans Receivable Allowance for Loan Losses Individually Evaluated for Impairment |
810,803 |
116,583 |
| Loans Receivable Allowance for Loan Losses Collectively Evaluated for Impairment |
1,062,680 |
449,734 |
| Loans Receivable Individually Evaluated for Impairment |
12,219,313 |
11,697,126 |
| Loans Receivable Collectively Evaluated for Impairment |
113,270,625 |
125,865,617 |
| Loans Receivable Allowance for Loan Losses Ending Balance |
125,489,938 |
137,562,743 |
|
Construction and Land Development
|
|
|
| Allowance for loan losses balance beginning of period |
1,802,771 |
549,393 |
| Allowance for loan losses provision for loan loss |
193,049 |
|
| Allowance for Loan and Lease Losses, Write-offs |
(82,469) |
(144,509) |
| Allowance for Loan and Lease Losses, Recoveries of Bad Debts |
56,772 |
538 |
| Allowance for loan losses balance at end of period |
1,970,123 |
1,802,771 |
| Loans Receivable Allowance for Loan Losses Individually Evaluated for Impairment |
483,186 |
140,900 |
| Loans Receivable Allowance for Loan Losses Collectively Evaluated for Impairment |
1,486,937 |
1,661,871 |
| Loans Receivable Individually Evaluated for Impairment |
2,727,945 |
3,319,004 |
| Loans Receivable Collectively Evaluated for Impairment |
42,167,582 |
46,794,691 |
| Loans Receivable Allowance for Loan Losses Ending Balance |
44,895,527 |
50,113,695 |
|
Consumer non-real estate
|
|
|
| Allowance for loan losses balance beginning of period |
498,687 |
352,948 |
| Allowance for loan losses provision for loan loss |
67,479 |
|
| Allowance for Loan and Lease Losses, Write-offs |
(127,390) |
(189,741) |
| Allowance for Loan and Lease Losses, Recoveries of Bad Debts |
33,359 |
108,332 |
| Allowance for loan losses balance at end of period |
472,135 |
498,687 |
| Loans Receivable Allowance for Loan Losses Individually Evaluated for Impairment |
65,365 |
77,666 |
| Loans Receivable Allowance for Loan Losses Collectively Evaluated for Impairment |
406,770 |
421,021 |
| Loans Receivable Individually Evaluated for Impairment |
198,376 |
455,411 |
| Loans Receivable Collectively Evaluated for Impairment |
32,748,085 |
34,128,413 |
| Loans Receivable Allowance for Loan Losses Ending Balance |
32,946,461 |
34,583,824 |
|
Residential
|
|
|
| Allowance for loan losses balance beginning of period |
4,709,954 |
4,621,111 |
| Allowance for loan losses provision for loan loss |
199,734 |
|
| Allowance for Loan and Lease Losses, Write-offs |
(463,666) |
(3,121,342) |
| Allowance for Loan and Lease Losses, Recoveries of Bad Debts |
12,835 |
65,125 |
| Allowance for loan losses balance at end of period |
4,458,857 |
4,709,954 |
| Loans Receivable Allowance for Loan Losses Individually Evaluated for Impairment |
1,704,466 |
608,969 |
| Loans Receivable Allowance for Loan Losses Collectively Evaluated for Impairment |
2,754,391 |
4,100,985 |
| Loans Receivable Individually Evaluated for Impairment |
15,204,353 |
10,143,625 |
| Loans Receivable Collectively Evaluated for Impairment |
165,607,564 |
172,287,040 |
| Loans Receivable Allowance for Loan Losses Ending Balance |
180,811,917 |
182,430,665 |
|
Total Loans by Segment
|
|
|
| Allowance for loan losses balance beginning of period |
8,910,121 |
7,845,950 |
| Allowance for loan losses provision for loan loss |
1,987,548 |
|
| Allowance for Loan and Lease Losses, Write-offs |
(776,605) |
(4,026,264) |
| Allowance for Loan and Lease Losses, Recoveries of Bad Debts |
106,463 |
182,237 |
| Allowance for loan losses balance at end of period |
10,227,527 |
8,910,121 |
| Loans Receivable Allowance for Loan Losses Individually Evaluated for Impairment |
3,612,811 |
1,511,060 |
| Loans Receivable Allowance for Loan Losses Collectively Evaluated for Impairment |
6,614,716 |
7,399,061 |
| Loans Receivable Individually Evaluated for Impairment |
31,946,273 |
27,186,599 |
| Loans Receivable Collectively Evaluated for Impairment |
406,105,782 |
426,123,136 |
| Loans Receivable Allowance for Loan Losses Ending Balance |
$ 438,052,055 |
$ 453,309,735 |