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INCOME TAXES (Tables)

12 Months Ended

Mar. 31, 2017

Income Tax Disclosure [Abstract]

Schedule of Components of Income Tax Expense (Benefit)

	Year Ended March 31
	2017				2016				2015
Current		$	284			$	251			$	16
Deferred			3,103				3,175				2,140
Total		$	3,387			$	3,426			$	2,156

Schedule of Deferred Tax Assets and Liabilities

		March 31, 2017				March 31, 2016
Deferred tax assets:
Deferred compensation		$	150			$	128
Allowance for loan losses			3,875				3,624
Accrued expenses			217				199
Accumulated depreciation and amortization			1,017				908
Deferred gain on sale			361				418
Net operating loss carryforwards			1,134				4,849
Purchase accounting			228				-
REO expense			-				49
Net unrealized loss on investment securities available for sale			929				-
AMT credit			471				229
Other			332				350
Total deferred tax assets			8,714				10,754

Deferred tax liabilities:
FHLB stock dividend			(143	)			(143	)
Net unrealized gain on investment securities available for sale			-				(596	)
Prepaid expenses			(158	)			(172	)
Loan fees/costs			(803	)			(654	)
Total deferred tax liabilities			(1,104	)			(1,565	)
Deferred tax assets, net		$	7,610			$	9,189

Schedule of Effective Income Tax Rate Reconciliation

		Year Ended March 31,
		2017			2016			2015
Statutory federal income tax rate		34.0	%		34.0	%		34.0	%
State and local income tax rate		1.5			1.5			1.6
ESOP market value adjustment		(0.1	)		(0.1	)		-
BOLI		(3.8	)		(2.8	)		(3.8	)
Other, net		(0.2	)		2.2			0.4
Effective federal income tax rate		31.4	%		34.8	%		32.2	%

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- Definition

Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=65882285&loc=d3e32639-109319

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- Definition

Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=65882285&loc=d3e32537-109319

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- Definition

Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=65882285&loc=d3e32687-109319

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