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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Mar. 31, 2019

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

March 31, 2019		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			139				(685	)			34				(94	)			839				(178	)			(5	)			50
Charge-offs			-				-				-				-				-				(291	)			-				(291	)
Recoveries			1				824				-				-				-				107				-				932
Ending balance		$	1,808			$	5,053			$	254			$	728			$	1,457			$	1,447			$	710			$	11,457

March 31, 2018

Beginning balance		$	1,418			$	5,084			$	228			$	297			$	714			$	2,099			$	688			$	10,528
Provision for (recapture of) loan losses			10				(156	)			(301	)			525				(96	)			(9	)			27				-
Charge-offs			-				(68	)			-				-				-				(340	)			-				(408	)
Recoveries			240				54				293				-				-				59				-				646
Ending balance		$	1,668			$	4,914			$	220			$	822			$	618			$	1,809			$	715			$	10,766

March 31, 2017

Beginning balance		$	1,048			$	4,273			$	325			$	712			$	416			$	2,403			$	708			$	9,885
Provision for (recapture of) loan losses			(121	)			926				(558	)			(415	)			298				(110	)			(20	)			-
Charge-offs			(1	)			(117	)			-				-				-				(340	)			-				(458	)
Recoveries			492				2				461				-				-				146				-				1,101
Ending balance		$	1,418			$	5,084			$	228			$	297			$	714			$	2,099			$	688			$	10,528

Schedule of impaired financing receivables

		Allowance for Loan Losses												Recorded Investment in Loans
March 31, 2019		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total

Commercial business		$	-			$	1,808			$	1,808			$	160			$	162,636			$	162,796
Commercial real estate			-				5,053				5,053				2,482				458,950				461,432
Land			-				254				254				728				16,299				17,027
Multi-family			-				728				728				1,598				49,972				51,570
Real estate construction			-				1,457				1,457				-				90,882				90,882
Consumer			22				1,425				1,447				697				91,712				92,409
Unallocated			-				710				710				-				-				-
Total		$	22			$	11,435			$	11,457			$	5,665			$	870,451			$	876,116

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 changes in the allowance for unfunded loan commitments

		Year Ended March 31,
		2019				2018				2017
Beginning balance		$	480			$	388			$	324
Net change in allowance for unfunded loan commitments			(11	)			92				64
Ending balance		$	469			$	480			$	388

Schedule of analysis of loans by aging category

March 31, 2019		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		$	-			$	-			$	225			$	225			$	162,571			$	162,796
Commercial real estate			-				-				1,081				1,081				460,351				461,432
Land			-				-				-				-				17,027				17,027
Multi-family			-				-				-				-				51,570				51,570
Real estate construction			-				-				-				-				90,882				90,882
Consumer			345				3				210				558				91,851				92,409
Total		$	345			$	3			$	1,516			$	1,864			$	874,252			$	876,116

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

March 31, 2019		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable

Commercial business		$	159,997			$	840			$	1,959			$	-			$	-			$	162,796
Commercial real estate			454,013				4,030				3,389				-				-				461,432
Land			16,299				-				728				-				-				17,027
Multi-family			51,093				457				20				-				-				51,570
Real estate construction			90,882				-				-				-				-				90,882
Consumer			92,199				-				210				-				-				92,409
Total		$	864,483			$	5,327			$	6,306			$	-			$	-			$	876,116

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

March 31, 2019		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		$	160			$	-			$	160			$	182			$	-
Commercial real estate			2,482				-				2,482				3,424				-
Land			728				-				728				766				-
Multi-family			1,598				-				1,598				1,709				-
Consumer			281				416				697				807				22
Total		$	5,249			$	416			$	5,665			$	6,888			$	22
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

		Year ended March 31, 2019								Year ended March 31, 2018								Year ended March 31, 2017
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	334			$	-			$	930			$	41			$	255			$	10
Commercial real estate			2,607				64				4,185				101				8,823				337
Land			742				7				781				-				801				-
Multi-family			1,620				88				1,668				90				1,710				93
Consumer			992				45				1,452				62				1,529				62
Total		$	6,295			$	204			$	9,016			$	294			$	13,118			$	502

Schedule of TDRs by interest accrual status

		March 31, 2019												March 31, 2018
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	-			$	160			$	160			$	826			$	178			$	1,004
Commercial real estate			1,401				1,081				2,482				1,683				1,200				2,883
Land			728				-				728				-				763				763
Multi-family			1,598				-				1,598				1,644				-				1,644
Consumer			697				-				697				1,428				-				1,428
Total		$	4,424			$	1,241			$	5,665			$	5,581			$	2,141			$	7,722