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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Dec. 31, 2018
Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 13,059 $ 7,233
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 2,045 2,207
Purchased loans accretion, net (47) (209)
Provision for loan losses 50  
Provision for deferred income taxes   3,796
Expense related to ESOP   148
Stock-based compensation expense 34  
Increase in deferred loan origination fees, net of amortization 599 238
Origination of loans held for sale (8,944) (16,631)
Proceeds from sales of loans held for sale 9,303 17,120
Net gains on loans held for sale and sale of REO (644) (603)
Income from BOLI [1] (545) (618)
Changes in certain other assets and liabilities:    
Prepaid expenses and other assets (261) (1,151)
Accrued interest receivable (312) (523)
Accrued expenses and other liabilities 6,326 (4,070)
Net cash provided by operating activities 20,663 6,937
CASH FLOWS FROM INVESTING ACTIVITIES:    
Loan repayments (originations), net (36,726) 14,662
Purchases of loans receivable (20,318) (32,198)
Principal repayments on investment securities available for sale 20,591 21,236
Purchases of investment securities available for sale   (47,493)
Proceeds from calls and maturities of investment securities available for sale 10,000  
Principal repayments on investment securities held to maturity 6 20
Redemption of certificates of deposit held for investment 5,220 4,079
Purchase of FHLB stock (1,382) (42)
Purchases of premises and equipment and capitalized software (304) (364)
Proceeds from sales of REO and premises and equipment 975 81
Net cash used in investing activities (21,938) (40,019)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net decrease in deposits (52,067) (7,729)
Dividends paid (2,259) (1,462)
Proceeds from borrowings 166,255 19,675
Repayment of borrowings (131,712) (18,625)
Net decrease in advance payments by borrowers for taxes and insurance (445) (433)
Principal payments on capital lease obligation (21) (17)
Proceeds from exercise of stock options 151 165
Net cash used in financing activities (20,098) (8,426)
NET DECREASE IN CASH AND CASH EQUIVALENTS (21,373) (41,508)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 44,767 64,613
CASH AND CASH EQUIVALENTS, END OF PERIOD 23,394 23,105
Cash paid during the period for:    
Interest 1,811 1,640
Income taxes 5,063 3,279
NONCASH INVESTING AND FINANCING ACTIVITIES:    
Dividends declared and accrued in other liabilities 904 678
Other comprehensive income (loss) 568 (491)
Income tax effect related to other comprehensive income (loss) $ (134) $ 174
[1] Not in the scope of ASC 606