Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
Consolidated Statements of Cash Flows - USD ($)	Mar. 31, 2016	Mar. 31, 2015
Cash flows from operating activities:
Net earnings	$ 70,576	$ 210,279
Adjustments to reconcile net earnings to net cash provided by operating activities:
Depreciation	94,458	93,212
Provision for (credit to) loan losses	(11,700)	(62,000)
Provision for losses on foreclosed real estate	13,878	68,712
ESOP expense	58,718	59,269
Amortization of deferred loan fees, net	(22,121)	(15,949)
Decrease (increase) in accrued interest receivable	11,415	(16,165)
Decrease in other assets	9,735	438,199
Increase (decrease) in:
Accrued interest payable on deposits	19,166	11,699
Other liabilities	(13,041)	(4,242)
Deferred tax liability	(12,000)	20,000
Net cash provided by operating activities	219,084	803,014
Cash flows from investing activities:
Net increase (decrease) in loans receivable	(3,775,694)	(2,101,051)
Purchase of premises and equipment	(54,679)	(146,325)
Proceeds from sale of (additions to) foreclosed real estate	16,571	353,734
Net cash used for investing activities	(3,813,802)	(1,893,642)
Cash flows from financing activities:
Net (decrease) increase in deposits	2,567,044	(1,509,861)
Increase (decrease) in advances from borrowers for taxes and insurance	27,868	58,394
Dividends, $0.12 per share	(107,513)	0
Repurchase of common stock	(993,087)	0
Proceeds from sale of common stock	0	2,614,275
Net cash provided by financing activities	1,494,312	1,162,808
Net (decrease) increase in cash and cash equivalents	(2,100,406)	72,180
Cash and cash equivalents at beginning of year	16,720,008	16,647,828
Cash and cash equivalents at end of year	14,619,602	16,720,008
Supplemental disclosures - cash paid:
Interest on deposits and advances from FHLBC	885,566	685,662
Federal and state income taxes	45,000	58,000
Noncash transactions:
Real estate acquired in settlement of loans	343,844	152,109
Financing of foreclosed real estate	154,000	50,000
Retirement of repurchased common stock	993,087	0
Retirement of treasury stock	$ 0	$ 85,638

Sugar Creek Financial Corp./MD/ 10-K