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ALLOWANCE FOR LOAN LOSSES (Tables)
 3 Months Ended
Jun. 30, 2017
Allowance For Loan Losses [Abstract]  
Schedule of reconciliation of the allowance for loan losses
Three months ended
June 30, 2017
 
Commercial
Business
  
Commercial Real Estate
  
Land
  
Multi-
Family
  
Real Estate Construction
  
Consumer
  
Unallocated
  
Total
 
                         
Beginning balance
 
$
1,418
  
$
5,084
  
$
228
  
$
297
  
$
714
  
$
2,099
  
$
688
  
$
10,528
 
Provision for (recapture
   of) loan losses
  
(30
)
  
92
   
(146
)
  
205
   
(46
)
  
(96
)
  
21
   
-
 
Charge-offs
  
-
   
-
   
-
   
-
   
-
   
(82
)
  
-
   
(82
)
Recoveries
  
3
   
-
   
137
   
-
   
-
   
11
   
-
   
151
 
Ending balance
 
$
1,391
  
$
5,176
  
$
219
  
$
502
  
$
668
  
$
1,932
  
$
709
  
$
10,597
 
 
Three months ended
June 30, 2016
                        
                         
Beginning balance
 
$
1,048
  
$
4,273
  
$
325
  
$
712
  
$
416
  
$
2,403
  
$
708
  
$
9,885
 
Provision for (recapture
   of) loan losses
  
(150
)
  
198
   
(95
)
  
(41
)
  
149
   
(63
)
  
2
   
-
 
Charge-offs
  
-
   
-
   
-
   
-
   
-
   
(44
)
  
-
   
(44
)
Recoveries
  
4
   
2
   
82
   
-
   
-
   
31
   
-
   
119
 
Ending balance
 
$
902
  
$
4,473
  
$
312
  
$
671
  
$
565
  
$
2,327
  
$
710
  
$
9,960
 
Schedule of impaired financing receivables
Allowance for Loan Losses
  
Recorded Investment in Loans
 
June 30, 2017
 
Individually
Evaluated for
Impairment
  
Collectively
Evaluated for
Impairment
  
Total
  
Individually
Evaluated for
Impairment
  
Collectively
Evaluated for
Impairment
  
Total
 
                   
Commercial business
 
$
-
  
$
1,391
  
$
1,391
  
$
1,114
  
$
124,618
  
$
125,732
 
Commercial real estate
  
88
   
5,088
   
5,176
   
3,743
   
448,088
   
451,831
 
Land
  
-
   
219
   
219
   
791
   
14,549
   
15,340
 
Multi-family
  
-
   
502
   
502
   
1,681
   
44,508
   
46,189
 
Real estate construction
  
-
   
668
   
668
   
-
   
43,186
   
43,186
 
Consumer
  
83
   
1,849
   
1,932
   
1,464
   
113,768
   
115,232
 
Unallocated
  
-
   
709
   
709
   
-
   
-
   
-
 
Total
 
$
171
  
$
10,426
  
$
10,597
  
$
8,793
  
$
788,717
  
$
797,510
 
 
March 31, 2017
                  
                   
Commercial business
 
$
-
  
$
1,418
  
$
1,418
  
$
294
  
$
107,077
  
$
107,371
 
Commercial real estate
  
-
   
5,084
   
5,084
   
7,604
   
439,467
   
447,071
 
Land
  
-
   
228
   
228
   
801
   
15,074
   
15,875
 
Multi-family
  
-
   
297
   
297
   
1,692
   
42,023
   
43,715
 
Real estate construction
  
-
   
714
   
714
   
-
   
46,157
   
46,157
 
Consumer
  
88
   
2,011
   
2,099
   
1,475
   
117,768
   
119,243
 
Unallocated
  
-
   
688
   
688
   
-
   
-
   
-
 
Total
 
$
88
  
$
10,440
  
$
10,528
  
$
11,866
  
$
767,566
  
$
779,432
 
 
Schedule of analysis of loans by aging category
June 30, 2017
 
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
 
$
11
  
$
-
  
$
292
  
$
303
  
$
125,429
  
$
125,732
 
Commercial real estate
  
-
   
-
   
1,323
   
1,323
   
450,508
   
451,831
 
Land
  
-
   
-
   
791
   
791
   
14,549
   
15,340
 
Multi-family
  
-
   
-
   
-
   
-
   
46,189
   
46,189
 
Real estate construction
  
-
   
-
   
-
   
-
   
43,186
   
43,186
 
Consumer
  
189
   
-
   
386
   
575
   
114,657
   
115,232
 
Total
 
$
200
  
$
-
  
$
2,792
  
$
2,992
  
$
794,518
  
$
797,510
 
 
March 31, 2017
                  
                   
Commercial business
 
$
13
  
$
-
  
$
294
  
$
307
  
$
107,064
  
$
107,371
 
Commercial real estate
  
-
   
-
   
1,342
   
1,342
   
445,729
   
447,071
 
Land
  
-
   
-
   
801
   
801
   
15,074
   
15,875
 
Multi-family
  
-
   
-
   
-
   
-
   
43,715
   
43,715
 
Real estate construction
  
-
   
-
   
-
   
-
   
46,157
   
46,157
 
Consumer
  
228
   
34
   
278
   
540
   
118,703
   
119,243
 
Total
 
$
241
  
$
34
  
$
2,715
  
$
2,990
  
$
776,442
  
$
779,432
 
Schedule of credit quality indicators
June 30, 2017
 
Pass
  
Special
Mention
  
Substandard
  
Doubtful
  
Loss
  
Total Loans
Receivable
 
                   
Commercial business
 
$
120,640
  
$
2,480
  
$
2,612
  
$
-
  
$
-
  
$
125,732
 
Commercial real estate
  
437,261
   
9,901
   
4,669
   
-
   
-
   
451,831
 
Land
  
14,549
   
-
   
791
   
-
   
-
   
15,340
 
Multi-family
  
45,633
   
544
   
12
   
-
   
-
   
46,189
 
Real estate construction
  
43,186
   
-
   
-
   
-
   
-
   
43,186
 
Consumer
  
114,846
   
-
   
386
   
-
   
-
   
115,232
 
Total
 
$
776,115
  
$
12,925
  
$
8,470
  
$
-
  
$
-
  
$
797,510
 
 
March 31, 2017
                  
                   
Commercial business
 
$
102,113
  
$
2,063
  
$
3,195
  
$
-
  
$
-
  
$
107,371
 
Commercial real estate
  
430,923
   
10,426
   
5,722
   
-
   
-
   
447,071
 
Land
  
15,074
   
-
   
801
   
-
   
-
   
15,875
 
Multi-family
  
43,156
   
547
   
12
   
-
   
-
   
43,715
 
Real estate construction
  
46,157
   
-
   
-
   
-
   
-
   
46,157
 
Consumer
  
118,965
   
-
   
278
   
-
   
-
   
119,243
 
Total
 
$
756,388
  
$
13,036
  
$
10,008
  
$
-
  
$
-
  
$
779,432
 
Schedule of total and average recorded investment in impaired loans
June 30, 2017
 
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
 
$
1,114
  
$
-
  
$
1,114
  
$
1,341
  
$
-
 
Commercial real estate
  
2,632
   
1,111
   
3,743
   
4,644
   
88
 
Land
  
791
   
-
   
791
   
806
   
-
 
Multi-family
  
1,681
   
-
   
1,681
   
1,810
   
-
 
Consumer
  
303
   
1,161
   
1,464
   
1,584
   
83
 
Total
 
$
6,521
  
$
2,272
  
$
8,793
  
$
10,185
  
$
171
 
March 31, 2017
                    
                     
Commercial business
 
$
294
  
$
-
  
$
294
  
$
301
  
$
-
 
Commercial real estate
  
7,604
   
-
   
7,604
   
8,806
   
-
 
Land
  
801
   
-
   
801
   
807
   
-
 
Multi-family
  
1,692
   
-
   
1,692
   
1,826
   
-
 
Consumer
  
306
   
1,169
   
1,475
   
1,611
   
88
 
Total
 
$
10,697
  
$
1,169
  
$
11,866
  
$
13,351
  
$
88
 
 
  
Three Months ended June 30, 2017
  
Three Months ended June 30, 2016
 
  
Average
Recorded
Investment
  
Interest
Recognized on
Impaired Loans
  
Average
Recorded
Investment
  
Interest
Recognized on
Impaired Loans
 
             
Commercial business
 
$
704
  
$
20
  
$
191
  
$
2
 
Commercial real estate
  
5,674
   
30
   
9,649
   
97
 
Land
  
796
   
-
   
801
   
-
 
Multi-family
  
1,686
   
23
   
1,726
   
23
 
Consumer
  
1,470
   
15
   
1,594
   
16
 
Total
 
$
10,330
  
$
88
  
$
13,961
  
$
138
 
Schedule of TDRs by interest accrual status
  
June 30, 2017
  
March 31, 2017
 
  
Accrual
  
Nonaccrual
  
Total
  
Accrual
  
Nonaccrual
  
Total
 
                   
Commercial business
 
$
822
  
$
292
  
$
1,114
  
$
-
  
$
294
  
$
294
 
Commercial real estate
  
2,420
   
1,323
   
3,743
   
6,262
   
1,342
   
7,604
 
Land
  
-
   
791
   
791
   
-
   
801
   
801
 
Multi-family
  
1,681
   
-
   
1,681
   
1,692
   
-
   
1,692
 
Consumer
  
1,464
   
-
   
1,464
   
1,475
   
-
   
1,475
 
Total
 
$
6,387
  
$
2,406
  
$
8,793
  
$
9,429
  
$
2,437
  
$
11,866