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ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Dec. 31, 2016

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended December 31, 2016		Commercial Business				Commercial Real Estate				Land				Multi- Family				Real Estate Construction				Consumer				Unallocated				Total

Beginning balance		$	909			$	4,689			$	154			$	613			$	727			$	2,290			$	681			$	10,063
Provision for (recapture of) loan losses			131				162				(113	)			(284	)			94				(13	)			23				-
Charge-offs			(1	)			-				-				-				-				(131	)			-				(132	)
Recoveries			205				-				132				-				-				21				-				358
Ending balance		$	1,244			$	4,851			$	173			$	329			$	821			$	2,167			$	704			$	10,289

Nine months ended December 31, 2016

Beginning balance		$	1,048			$	4,273			$	325			$	712			$	416			$	2,403			$	708			$	9,885
Provision for (recapture of) loan losses			(19	)			576				(472	)			(383	)			405				(103	)			(4	)			-
Charge-offs			(1	)			-				-				-				-				(246	)			-				(247	)
Recoveries			216				2				320				-				-				113				-				651
Ending balance		$	1,244			$	4,851			$	173			$	329			$	821			$	2,167			$	704			$	10,289

Three months ended December 31, 2015

Beginning balance		$	1,360			$	4,293			$	490			$	494			$	286			$	2,329			$	861			$	10,113
Provision for (recapture of) loan losses			160				(141	)			(134	)			9				84				175				(153	)			-
Charge-offs			-				-				-				-				-				(87	)			-				(87	)
Recoveries			6				-				107				-				-				34				-				147
Ending balance		$	1,526			$	4,152			$	463			$	503			$	370			$	2,451			$	708			$	10,173

Nine months ended December 31, 2015

Beginning balance		$	1,263			$	4,268			$	539			$	348			$	769			$	2,548			$	1,027			$	10,762
Provision for (recapture of) loan losses			239				(116	)			(306	)			155				(405	)			(48	)			(319	)			(800	)
Charge-offs			-				-				-				-				-				(161	)			-				(161	)
Recoveries			24				-				230				-				6				112				-				372
Ending balance		$	1,526			$	4,152			$	463			$	503			$	370			$	2,451			$	708			$	10,173

Schedule of impaired financing receivables

		Allowance for loan losses												Recorded investment in loans
December 31, 2016		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total

Commercial business		$	-			$	1,244			$	1,244			$	296			$	64,105			$	64,401
Commercial real estate			-				4,851				4,851				7,784				389,561				397,345
Land			-				173				173				801				11,475				12,276
Multi-family			-				329				329				1,698				21,463				23,161
Real estate construction			-				821				821				-				52,707				52,707
Consumer			102				2,065				2,167				1,487				112,965				114,452
Unallocated			-				704				704				-				-				-
Total		$	102			$	10,187			$	10,289			$	12,066			$	652,276			$	664,342

March 31, 2016


Commercial business		$	-			$	1,048			$	1,048			$	192			$	69,205			$	69,397
Commercial real estate			-				4,273				4,273				9,802				343,947				353,749
Land			-				325				325				801				11,244				12,045
Multi-family			-				712				712				1,731				32,002				33,733
Real estate construction			-				416				416				-				26,731				26,731
Consumer			110				2,293				2,403				1,678				127,486				129,164
Unallocated			-				708				708				-				-				-
Total		$	110			$	9,775			$	9,885			$	14,204			$	610,615			$	624,819

Schedule of analysis of loans by aging category

December 31, 2016		30-89 Days Past Due				90 Days and Greater Past Due				Non-accrual				Total Past Due and Non- accrual				Current				Total Loans Receivable

Commercial business		$	-			$	-			$	189			$	189			$	64,212			$	64,401
Commercial real estate			252				-				1,478				1,730				395,615				397,345
Land			-				-				801				801				11,475				12,276
Multi-family			-				-				-				-				23,161				23,161
Real estate construction			-				-				-				-				52,707				52,707
Consumer			649				10				309				968				113,484				114,452
Total		$	901			$	10			$	2,777			$	3,688			$	660,654			$	664,342

March 31, 2016

Commercial business		$	-			$	-			$	-			$	-			$	69,397			$	69,397
Commercial real estate			-				-				1,559				1,559				352,190				353,749
Land			-				-				801				801				11,244				12,045
Multi-family			-				-				-				-				33,733				33,733
Real estate construction			-				-				-				-				26,731				26,731
Consumer			611				20				334				965				128,199				129,164
Total		$	611			$	20			$	2,694			$	3,325			$	621,494			$	624,819

Schedule of credit quality indicators

December 31, 2016		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable

Commercial business		$	61,558			$	1,573			$	1,270			$	-			$	-			$	64,401
Commercial real estate			389,486				6,207				1,652				-				-				397,345
Land			11,475				-				801				-				-				12,276
Multi-family			23,149				-				12				-				-				23,161
Real estate construction			52,707				-				-				-				-				52,707
Consumer			114,143				-				309				-				-				114,452
Total		$	652,518			$	7,780			$	4,044			$	-			$	-			$	664,342

March 31, 2016

Commercial business		$	68,221			$	813			$	363			$	-			$	-			$	69,397
Commercial real estate			343,306				7,659				2,784				-				-				353,749
Land			9,760				1,484				801				-				-				12,045
Multi-family			33,721				-				12				-				-				33,733
Real estate construction			26,731				-				-				-				-				26,731
Consumer			128,830				-				334				-				-				129,164
Total		$	610,569			$	9,956			$	4,294			$	-			$	-			$	624,819

Schedule of total and average recorded investment in impaired loans

December 31, 2016		Recorded Investment with No Specific Valuation Allowance				Recorded Investment with Specific Valuation Allowance				Total Recorded Investment				Unpaid Principal Balance				Related Specific Valuation Allowance

Commercial business		$	296			$	-			$	296			$	299			$	-
Commercial real estate			7,784				-				7,784				8,869				-
Land			801				-				801				807				-
Multi-family			1,698				-				1,698				1,827				-
Consumer			309				1,178				1,487				1,623				102
Total		$	10,888			$	1,178			$	12,066			$	13,425			$	102
March 31, 2016

Commercial business		$	192			$	-			$	192			$	192			$	-
Commercial real estate			9,802				-				9,802				10,758				-
Land			801				-				801				807				-
Multi-family			1,731				-				1,731				1,871				-
Consumer			477				1,201				1,678				1,845				110
Total		$	13,003			$	1,201			$	14,204			$	15,473			$	110

		Three Months ended December 31, 2016								Three Months ended December 31, 2015
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	298			$	2			$	405			$	2
Commercial real estate			8,607				72				12,617				98
Land			801				-				801				-
Multi-family			1,704				23				1,821				24
Consumer			1,492				16				1,778				18
Total		$	12,902			$	113			$	17,422			$	142

		Nine Months ended December 31, 2016								Nine Months ended December 31, 2015
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	244			$	10			$	630			$	15
Commercial real estate			9,128				267				13,962				364
Land			801				-				801				-
Multi-family			1,715				70				1,869				76
Consumer			1,543				47				2,014				54
Total		$	13,431			$	394			$	19,276			$	509

Schedule of TDRs by interest accrual status

		December 31, 2016												March 31, 2016
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	107			$	189			$	296			$	192			$	-			$	192
Commercial real estate			6,306				1,478				7,784				8,244				1,289				9,533
Land			-				801				801				-				801				801
Multi-family			1,698				-				1,698				1,731				-				1,731
Consumer			1,487				-				1,487				1,678				-				1,678
Total		$	9,598			$	2,468			$	12,066			$	11,845			$	2,090			$	13,935