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ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Dec. 31, 2018

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended December 31, 2018		Commercial Business				Commercial Real Estate				Land				Multi- Family				Real Estate Construction				Consumer				Unallocated				Total

Beginning balance		$	1,858			$	5,361			$	237			$	696			$	1,007			$	1,641			$	713			$	11,513
Provision for (recapture of) loan losses			84				(80	)			31				19				186				(177	)			(63	)			-
Charge-offs			-				-				-				-				-				(52	)			-				(52	)
Recoveries			-				-				-				-				-				41				-				41
Ending balance		$	1,942			$	5,281			$	268			$	715			$	1,193			$	1,453			$	650			$	11,502

Nine months ended December 31, 2018

Beginning balance		$	1,668			$	4,914			$	220			$	822			$	618			$	1,809			$	715			$	10,766
Provision for (recapture of) loan losses			274				(456	)			48				(107	)			575				(219	)			(65	)			50
Charge-offs			-				-				-				-				-				(236	)			-				(236	)
Recoveries			-				823				-				-				-				99				-				922
Ending balance		$	1,942			$	5,281			$	268			$	715			$	1,193			$	1,453			$	650			$	11,502

Three months ended December 31, 2017

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

Schedule of impaired financing receivables

		Allowance for loan losses												Recorded investment in loans
December 31, 2018		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total				Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total

Commercial business		$	-			$	1,942			$	1,942			$	163			$	154,197			$	154,360
Commercial real estate			-				5,281				5,281				2,523				465,838				468,361
Land			-				268				268				731				17,775				18,506
Multi-family			-				715				715				1,606				53,324				54,930
Real estate construction			-				1,193				1,193				-				76,518				76,518
Consumer			25				1,428				1,453				705				95,256				95,961
Unallocated			-				650				650				-				-				-
Total		$	25			$	11,477			$	11,502			$	5,728			$	862,908			$	868,636

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

December 31, 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		$	-			$	-			$	268			$	268			$	154,092			$	154,360
Commercial real estate			9				-				1,112				1,121				467,240				468,361
Land			-				-				-				-				18,506				18,506
Multi-family			-				-				-				-				54,930				54,930
Real estate construction			-				-				-				-				76,518				76,518
Consumer			462				4				228				694				95,267				95,961
Total		$	471			$	4			$	1,608			$	2,083			$	866,553			$	868,636

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

December 31, 2018		Pass				Special Mention				Substandard				Doubtful				Loss				Total Loans Receivable

Commercial business		$	150,099			$	2,075			$	2,186			$	-			$	-			$	154,360
Commercial real estate			456,824				8,689				2,848				-				-				468,361
Land			17,775				-				731				-				-				18,506
Multi-family			54,379				530				21				-				-				54,930
Real estate construction			76,518				-				-				-				-				76,518
Consumer			95,733				-				228				-				-				95,961
Total		$	851,328			$	11,294			$	6,014			$	-			$	-			$	868,636

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

December 31, 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		$	163			$	-			$	163			$	183			$	-
Commercial real estate			2,523				-				2,523				3,457				-
Land			731				-				731				768				-
Multi-family			1,606				-				1,606				1,712				-
Consumer			284				421				705				817				25
Total		$	5,307			$	421			$	5,728			$	6,937			$	25
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 December 31, 2018								Three Months ended December 31, 2017
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	166			$	-			$	1,118			$	9
Commercial real estate			2,539				16				3,347				20
Land			735				2				775				-
Multi-family			1,613				22				1,663				23
Consumer			709				9				1,446				15
Total		$	5,762			$	49			$	8,349			$	67

		Nine Months ended December 31, 2018								Nine Months ended December 31, 2017
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	377			$	-			$	912			$	32
Commercial real estate			2,639				48				4,510				82
Land			746				2				786				-
Multi-family			1,626				66				1,674				68
Consumer			1,065				35				1,458				46
Total		$	6,453			$	151			$	9,340			$	228

Schedule of TDRs by interest accrual status

		December 31, 2018												March 31, 2018
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	-			$	163			$	163			$	826			$	178			$	1,004
Commercial real estate			1,411				1,112				2,523				1,683				1,200				2,883
Land			731				-				731				-				763				763
Multi-family			1,606				-				1,606				1,644				-				1,644
Consumer			705				-				705				1,428				-				1,428
Total		$	4,453			$	1,275			$	5,728			$	5,581			$	2,141			$	7,722