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ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Sep. 30, 2017

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended September 30, 2017		Commercial Business				Commercial Real Estate				Land				Multi- Family				Real Estate Construction				Consumer				Unallocated				Total

Beginning balance		$	1,391			$	5,176			$	219			$	502			$	668			$	1,932			$	709			$	10,597
Provision for (recapture of) loan losses			(53	)			(76	)			(130	)			2				172				63				22				-
Charge-offs			-				-				-				-				-				(128	)			-				(128	)
Recoveries			2				16				107				-				-				23				-				148
Ending balance		$	1,340			$	5,116			$	196			$	504			$	840			$	1,890			$	731			$	10,617

Six months ended September 30, 2017

Beginning balance		$	1,418			$	5,084			$	228			$	297			$	714			$	2,099			$	688			$	10,528
Provision for (recapture of) loan losses			(83	)			16				(275	)			207				126				(34	)			43				-
Charge-offs			-				-				-				-				-				(210	)			-				(210	)
Recoveries			5				16				243				-				-				35				-				299
Ending balance		$	1,340			$	5,116			$	196			$	504			$	840			$	1,890			$	731			$	10,617

Three months ended September 30, 2016

Beginning balance		$	902			$	4,473			$	312			$	671			$	565			$	2,327			$	710			$	9,960
Provision for (recapture of) loan losses			1				216				(264	)			(58	)			162				(28	)			(29	)			-
Charge-offs			-				-				-				-				-				(71	)			-				(71	)
Recoveries			6				-				106				-				-				62				-				174
Ending balance		$	909			$	4,689			$	154			$	613			$	727			$	2,290			$	681			$	10,063

Six months ended September 30, 2016

Beginning balance		$	1,048			$	4,273			$	325			$	712			$	416			$	2,403			$	708			$	9,885
Provision for (recapture of) loan losses			(149	)			414				(359	)			(99	)			311				(91	)			(27	)			-
Charge-offs			-				-				-				-				-				(115	)			-				(115	)
Recoveries			10				2				188				-				-				93				-				293
Ending balance		$	909			$	4,689			$	154			$	613			$	727			$	2,290			$	681			$	10,063

Schedule of impaired financing receivables

		Allowance for Loan Losses												Recorded Investment In Loans
September 30, 2017		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total

Commercial business		$	-			$	1,340			$	1,340			$	1,117			$	117,327			$	118,444
Commercial real estate			71				5,045				5,116				3,704				436,851				440,555
Land			-				196				196				780				12,965				13,745
Multi-family			-				504				504				1,669				44,413				46,082
Real estate construction			-				840				840				-				53,878				53,878
Consumer			79				1,811				1,890				1,452				109,548				111,000
Unallocated			-				731				731				-				-				-
Total		$	150			$	10,467			$	10,617			$	8,722			$	774,982			$	783,704

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

September 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		$	20			$	-			$	290			$	310			$	118,134			$	118,444
Commercial real estate			-				-				1,304				1,304				439,251				440,555
Land			-				-				780				780				12,965				13,745
Multi-family			-				-				-				-				46,082				46,082
Real estate construction			-				-				-				-				53,878				53,878
Consumer			183				-				371				554				110,446				111,000
Total		$	203			$	-			$	2,745			$	2,948			$	780,756			$	783,704

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

September 30, 2017		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable

Commercial business		$	113,792			$	2,141			$	2,511			$	-			$	-			$	118,444
Commercial real estate			427,173				10,259				3,123				-				-				440,555
Land			12,965				-				780				-				-				13,745
Multi-family			45,530				541				11				-				-				46,082
Real estate construction			53,878				-				-				-				-				53,878
Consumer			110,629				-				371				-				-				111,000
Total		$	763,967			$	12,941			$	6,796			$	-			$	-			$	783,704

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

September 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		$	1,117			$	-			$	1,117			$	1,336			$	-
Commercial real estate			2,609				1,095				3,704				4,628				71
Land			780				-				780				800				-
Multi-family			1,669				-				1,669				1,797				-
Consumer			300				1,152				1,452				1,565				79
Total		$	6,475			$	2,247			$	8,722			$	10,126			$	150
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 September 30, 2017								Three Months ended September 30, 2016
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	1,116			$	4			$	245			$	6
Commercial real estate			3,723				31				9,463				97
Land			786				-				801				-
Multi-family			1,675				22				1,715				24
Consumer			1,458				15				1,503				16
Total		$	8,758			$	72			$	13,727			$	143

		Six Months ended September 30, 2017								Six Months ended September 30, 2016
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	842			$	23			$	228			$	9
Commercial real estate			5,017				61				9,576				194
Land			791				-				801				-
Multi-family			1,680				46				1,720				47
Consumer			1,464				31				1,561				31
Total		$	9,794			$	161			$	13,886			$	281

Schedule of TDRs by interest accrual status

		September 30, 2017												March 31, 2017
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	827			$	290			$	1,117			$	-			$	294			$	294
Commercial real estate			2,400				1,304				3,704				6,262				1,342				7,604
Land			-				780				780				-				801				801
Multi-family			1,669				-				1,669				1,692				-				1,692
Consumer			1,452				-				1,452				1,475				-				1,475
Total		$	6,348			$	2,374			$	8,722			$	9,429			$	2,437			$	11,866