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ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Jun. 30, 2018

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended June 30, 2018		Commercial Business				Commercial Real Estate				Land				Multi- Family				Real Estate Construction				Consumer				Unallocated				Total
Beginning balance		$	1,668			$	4,914			$	220			$	822			$	618			$	1,809			$	715			$	10,766
Provision for (recapture of) loan losses			131				(598	)			38				(41	)			237				19				14				(200	)
Charge-offs			-				-				-				-				-				(92	)			-				(92	)
Recoveries			-				823				-				-				-				52				-				875
Ending balance		$	1,799			$	5,139			$	258			$	781			$	855			$	1,788			$	729			$	11,349

Three months ended June 30, 2017
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

Schedule of impaired financing receivables

		Allowance for Loan Losses												Recorded Investment in Loans
June 30, 2018		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total
Commercial business		$	-			$	1,799			$	1,799			$	173			$	148,084			$	148,257
Commercial real estate			-				5,139				5,139				2,596				445,423				448,019
Land			-				258				258				751				16,553				17,304
Multi-family			-				781				781				1,632				57,162				58,794
Real estate construction			-				855				855				-				53,156				53,156
Consumer			64				1,724				1,788				1,414				99,642				101,056
Unallocated			-				729				729				-				-				-
Total		$	64			$	11,285			$	11,349			$	6,566			$	820,020			$	826,586

March 31, 2018
Commercial business		$	-			$	1,668			$	1,668			$	1,004			$	136,668			$	137,672
Commercial real estate			-				4,914				4,914				2,883				447,714				450,597
Land			-				220				220				763				14,574				15,337
Multi-family			-				822				822				1,644				61,436				63,080
Real estate construction			-				618				618				-				39,584				39,584
Consumer			69				1,740				1,809				1,428				103,678				105,106
Unallocated			-				715				715				-				-				-
Total		$	69			$	10,697			$	10,766			$	7,722			$	803,654			$	811,376

Schedule of analysis of loans by aging category

June 30, 2018		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		$	-			$	-			$	173			$	173			$	148,084			$	148,257
Commercial real estate			370				-				1,167				1,537				446,482				448,019
Land			-				-				751				751				16,553				17,304
Multi-family			-				-				-				-				58,794				58,794
Real estate construction			-				-				-				-				53,156				53,156
Consumer			229				-				253				482				100,574				101,056
Total		$	599			$	-			$	2,344			$	2,943			$	823,643			$	826,586

March 31, 2018
Commercial business		$	7			$	-			$	178			$	185			$	137,487			$	137,672
Commercial real estate			-				-				1,200				1,200				449,397				450,597
Land			-				-				763				763				14,574				15,337
Multi-family			-				-				-				-				63,080				63,080
Real estate construction			-				-				-				-				39,584				39,584
Consumer			513				-				277				790				104,316				105,106
Total		$	520			$	-			$	2,418			$	2,938			$	808,438			$	811,376

Schedule of credit quality indicators

June 30, 2018		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable
Commercial business		$	143,073			$	1,971			$	3,213			$	-			$	-			$	148,257
Commercial real estate			437,383				7,699				2,937				-				-				448,019
Land			16,553				-				751				-				-				17,304
Multi-family			56,609				2,164				21				-				-				58,794
Real estate construction			53,156				-				-				-				-				53,156
Consumer			100,803				-				253				-				-				101,056
Total		$	807,577			$	11,834			$	7,175			$	-			$	-			$	826,586

March 31, 2018
Commercial business		$	132,309			$	1,976			$	3,387			$	-			$	-			$	137,672
Commercial real estate			440,123				7,489				2,985				-				-				450,597
Land			14,574				-				763				-				-				15,337
Multi-family			60,879				2,190				11				-				-				63,080
Real estate construction			39,584				-				-				-				-				39,584
Consumer			104,829				-				277				-				-				105,106
Total		$	792,298			$	11,655			$	7,423			$	-			$	-			$	811,376

Schedule of total and average recorded investment in impaired loans

June 30, 2018		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		$	173			$	-			$	173			$	188			$	-
Commercial real estate			2,596				-				2,596				3,496				-
Land			751				-				751				784				-
Multi-family			1,632				-				1,632				1,740				-
Consumer			290				1,124				1,414				1,526				64
Total		$	5,442			$	1,124			$	6,566			$	7,734			$	64
March 31, 2018
Commercial business		$	1,004			$	-			$	1,004			$	1,062			$	-
Commercial real estate			2,883				-				2,883				3,816				-
Land			763				-				763				790				-
Multi-family			1,644				-				1,644				1,765				-
Consumer			294				1,134				1,428				1,544				69
Total		$	6,588			$	1,134			$	7,722			$	8,977			$	69

		Three Months ended June 30, 2018								Three Months ended June 30, 2017
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans
Commercial business		$	588			$	-			$	704			$	20
Commercial real estate			2,740				16				5,674				30
Land			757				-				796				-
Multi-family			1,638				22				1,686				23
Consumer			1,421				16				1,470				15
Total		$	7,144			$	54			$	10,330			$	88

Schedule of TDRs by interest accrual status

		June 30, 2018												March 31, 2018
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total
Commercial business		$	-			$	173			$	173			$	826			$	178			$	1,004
Commercial real estate			1,429				1,167				2,596				1,683				1,200				2,883
Land			-				751				751				-				763				763
Multi-family			1,632				-				1,632				1,644				-				1,644
Consumer			1,414				-				1,414				1,428				-				1,428
Total		$	4,475			$	2,091			$	6,566			$	5,581			$	2,141			$	7,722

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of impaired financing receivables.

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Schedule (table) of the average recorded investment and the interest recognized on impaired loans for the periods indicated.

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Represents the textual narrative disclosure of Schedule of TDRs by Interest Accrual Status, during the indicated time period.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953401-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

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