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ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Sep. 30, 2018

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended September 30, 2018		Commercial Business				Commercial Real Estate				Land				Multi- Family				Real Estate Construction				Consumer				Unallocated				Total

Beginning balance		$	1,799			$	5,139			$	258			$	781			$	855			$	1,788			$	729			$	11,349
Provision for (recapture of) loan losses			59				222				(21	)			(85	)			152				(61	)			(16	)			250
Charge-offs			-				-				-				-				-				(92	)			-				(92	)
Recoveries			-				-				-				-				-				6				-				6
Ending balance		$	1,858			$	5,361			$	237			$	696			$	1,007			$	1,641			$	713			$	11,513

Six months ended September 30, 2018

Beginning balance		$	1,668			$	4,914			$	220			$	822			$	618			$	1,809			$	715			$	10,766
Provision for (recapture of) loan losses			190				(376	)			17				(126	)			389				(42	)			(2	)			50
Charge-offs			-				-				-				-				-				(184	)			-				(184	)
Recoveries			-				823				-				-				-				58				-				881
Ending balance		$	1,858			$	5,361			$	237			$	696			$	1,007			$	1,641			$	713			$	11,513

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

Schedule of impaired financing receivables

		Allowance for Loan Losses												Recorded Investment In Loans
September 30, 2018		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total

Commercial business		$	-			$	1,858			$	1,858			$	168			$	155,319			$	155,487
Commercial real estate			-				5,361				5,361				2,555				459,822				462,377
Land			-				237				237				740				15,199				15,939
Multi-family			-				696				696				1,619				53,323				54,942
Real estate construction			-				1,007				1,007				-				62,795				62,795
Consumer			26				1,615				1,641				713				97,589				98,302
Unallocated			-				713				713				-				-				-
Total		$	26			$	11,487			$	11,513			$	5,795			$	844,047			$	849,842

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

September 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		$	128			$	-			$	168			$	296			$	155,191			$	155,487
Commercial real estate			163				-				1,135				1,298				461,079				462,377
Land			-				-				740				740				15,199				15,939
Multi-family			-				-				-				-				54,942				54,942
Real estate construction			-				-				-				-				62,795				62,795
Consumer			401				-				240				641				97,661				98,302
Total		$	692			$	-			$	2,283			$	2,975			$	846,867			$	849,842

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

September 30, 2018		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable

Commercial business		$	151,080			$	2,141			$	2,266			$	-			$	-			$	155,487
Commercial real estate			449,511				9,976				2,890				-				-				462,377
Land			15,199				-				740				-				-				15,939
Multi-family			52,769				2,152				21				-				-				54,942
Real estate construction			62,795				-				-				-				-				62,795
Consumer			98,062				-				240				-				-				98,302
Total		$	829,416			$	14,269			$	6,157			$	-			$	-			$	849,842

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

September 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		$	168			$	-			$	168			$	186			$	-
Commercial real estate			2,555				-				2,555				3,463				-
Land			740				-				740				779				-
Multi-family			1,619				-				1,619				1,726				-
Consumer			287				426				713				823				26
Total		$	5,369			$	426			$	5,795			$	6,977			$	26
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 September 30, 2018								Three Months ended September 30, 2017
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	170			$	-			$	1,116			$	4
Commercial real estate			2,576				16				3,723				31
Land			745				-				786				-
Multi-family			1,625				22				1,675				22
Consumer			1,064				10				1,458				15
Total		$	6,180			$	48			$	8,758			$	72

		Six Months ended September 30, 2018								Six Months ended September 30, 2017
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	448			$	-			$	842			$	23
Commercial real estate			2,678				32				5,017				61
Land			751				-				791				-
Multi-family			1,632				44				1,680				46
Consumer			1,185				26				1,464				31
Total		$	6,694			$	102			$	9,794			$	161

Schedule of TDRs by interest accrual status

		September 30, 2018												March 31, 2018
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	-			$	168			$	168			$	826			$	178			$	1,004
Commercial real estate			1,420				1,135				2,555				1,683				1,200				2,883
Land			-				740				740				-				763				763
Multi-family			1,619				-				1,619				1,644				-				1,644
Consumer			713				-				713				1,428				-				1,428
Total		$	3,752			$	2,043			$	5,795			$	5,581			$	2,141			$	7,722