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ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Dec. 31, 2017

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended December 31, 2017		Commercial Business				Commercial Real Estate				Land				Multi- Family				Real Estate Construction				Consumer				Unallocated				Total

Beginning balance		$	1,340			$	5,116			$	196			$	504			$	840			$	1,890			$	731			$	10,617
Provision for (recapture of) loan losses			(186	)			(26	)			(19	)			295				(206	)			81				61				-
Charge-offs			-				-				-				-				-				(46	)			-				(46	)
Recoveries			220				65				-				-				-				11				-				296
Ending balance		$	1,374			$	5,155			$	177			$	799			$	634			$	1,936			$	792			$	10,867

Nine months ended December 31, 2017

Beginning balance		$	1,418			$	5,084			$	228			$	297			$	714			$	2,099			$	688			$	10,528
Provision for (recapture of) loan losses			(270	)			40				(344	)			502				(80	)			48				104				-
Charge-offs			-				-				-				-				-				(257	)			-				(257	)
Recoveries			226				31				293				-				-				46				-				596
Ending balance		$	1,374			$	5,155			$	177			$	799			$	634			$	1,936			$	792			$	10,867

Three months ended December 31, 2016

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

Schedule of impaired financing receivables

		Allowance for loan losses												Recorded investment in loans
December 31, 2017		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total

Commercial business		$	-			$	1,374			$	1,374			$	1,120			$	129,840			$	130,960
Commercial real estate			60				5,095				5,155				2,990				438,913				441,903
Land			-				177				177				770				11,699				12,469
Multi-family			-				799				799				1,657				60,194				61,851
Real estate construction			-				634				634				-				40,743				40,743
Consumer			77				1,859				1,936				1,440				107,961				109,401
Unallocated			-				792				792				-				-				-
Total		$	137			$	10,730			$	10,867			$	7,977			$	789,350			$	797,327

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

December 31, 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		$	16			$	-			$	289			$	305			$	130,655			$	130,960
Commercial real estate			-				-				1,291				1,291				440,612				441,903
Land			-				-				770				770				11,699				12,469
Multi-family			-				-				-				-				61,851				61,851
Real estate construction			-				-				-				-				40,743				40,743
Consumer			575				-				306				881				108,520				109,401
Total		$	591			$	-			$	2,656			$	3,247			$	794,080			$	797,327

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

December 31, 2017		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable

Commercial business		$	126,764			$	1,771			$	2,425			$	-			$	-			$	130,960
Commercial real estate			429,613				9,197				3,093				-				-				441,903
Land			11,699				-				770				-				-				12,469
Multi-family			59,645				2,195				11				-				-				61,851
Real estate construction			40,743				-				-				-				-				40,743
Consumer			109,095				-				306				-				-				109,401
Total		$	777,559			$	13,163			$	6,605			$	-			$	-			$	797,327

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

December 31, 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		$	1,120			$	-			$	1,120			$	1,342			$	-
Commercial real estate			1,907				1,083				2,990				3,844				60
Land			770				-				770				794				-
Multi-family			1,657				-				1,657				1,789				-
Consumer			296				1,144				1,440				1,555				77
Total		$	5,750			$	2,227			$	7,977			$	9,324			$	137
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 December 31, 2017								Three Months ended December 31, 2016
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	1,118			$	9			$	298			$	2
Commercial real estate			3,347				20				8,607				72
Land			775				-				801				-
Multi-family			1,663				23				1,704				23
Consumer			1,446				15				1,492				16
Total		$	8,349			$	67			$	12,902			$	113

		Nine Months ended December 31, 2017								Nine Months ended December 31, 2016
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	912			$	32			$	244			$	10
Commercial real estate			4,510				82				9,128				267
Land			786				-				801				-
Multi-family			1,674				68				1,715				70
Consumer			1,458				46				1,543				47
Total		$	9,340			$	228			$	13,431			$	394

Schedule of TDRs by interest accrual status

		December 31, 2017												March 31, 2017
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	831			$	289			$	1,120			$	-			$	294			$	294
Commercial real estate			1,699				1,291				2,990				6,262				1,342				7,604
Land			-				770				770				-				801				801
Multi-family			1,657				-				1,657				1,692				-				1,692
Consumer			1,440				-				1,440				1,475				-				1,475
Total		$	5,627			$	2,350			$	7,977			$	9,429			$	2,437			$	11,866