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ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Jun. 30, 2019

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

Three months ended June 30, 2019		Commercial Business			Commercial Real Estate			Land			Multi- Family			Real Estate Construction			Consumer			Unallocated			Total

Beginning balance	$	1,808		$	5,053		$	254		$	728		$	1,457		$	1,447		$	710		$	11,457
Provision for (recapture of) loan losses		308			(164	)		(10	)		(29	)		49			(89	)		(65	)		-
Charge-offs		(3	)		-			-			-			-			(41	)		-			(44	)
Recoveries		-			-			-			-			-			29			-			29
Ending balance	$	2,113		$	4,889		$	244		$	699		$	1,506		$	1,346		$	645		$	11,442

Three months ended June 30, 2018

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

Schedule of impaired financing receivables

	Allowance for Loan Losses									Recorded Investment in Loans
June 30, 2019		Individually Evaluated for Impairment			Collectively Evaluated for Impairment			Total			Individually Evaluated for Impairment			Collectively Evaluated for Impairment			Total

Commercial business	$	-		$	2,113		$	2,113		$	155		$	164,245		$	164,400
Commercial real estate		-			4,889			4,889			2,441			469,932			472,373
Land		-			244			244			724			15,638			16,362
Multi-family		-			699			699			1,584			49,090			50,674
Real estate construction		-			1,506			1,506			-			93,716			93,716
Consumer		11			1,335			1,346			453			89,999			90,452
Unallocated		-			645			645			-			-			-
Total	$	11		$	11,431		$	11,442		$	5,357		$	882,620		$	887,977

March 31, 2019

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

Schedule of analysis of loans by aging category

June 30, 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	$	62		$	-		$	300		$	362		$	164,038		$	164,400
Commercial real estate		-			-			1,049			1,049			471,324			472,373
Land		-			-			-			-			16,362			16,362
Multi-family		-			-			-			-			50,674			50,674
Real estate construction		-			-			-			-			93,716			93,716
Consumer		134			-			108			242			90,210			90,452
Total	$	196		$	-		$	1,457		$	1,653		$	886,324		$	887,977

March 31, 2019

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

Schedule of credit quality indicators

June 30, 2019		Pass			Special Mention			Substandard			Doubtful			Loss			Total Loans Receivable

Commercial business	$	159,101		$	3,453		$	1,846		$	-		$	-		$	164,400
Commercial real estate		466,308			2,729			3,336			-			-			472,373
Land		15,638			-			724			-			-			16,362
Multi-family		50,150			504			20			-			-			50,674
Real estate construction		93,716			-			-			-			-			93,716
Consumer		90,344			-			108			-			-			90,452
Total	$	875,257		$	6,686		$	6,034		$	-		$	-		$	887,977

March 31, 2019

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

Schedule of total and average recorded investment in impaired loans

June 30, 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		$	155			$	-			$	155			$	181			$	-
Commercial real estate			2,441				-				2,441				3,421				-
Land			724				-				724				760				-
Multi-family			1,584				-				1,584				1,693				-
Consumer			305				148				453				568				11
Total		$	5,209			$	148			$	5,357			$	6,623			$	11

March 31, 2019

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

		Three Months ended June 30, 2019								Three Months ended June 30, 2018
		Average Recorded Investment				Interest Recognized on Impaired Loans				Average Recorded Investment				Interest Recognized on Impaired Loans

Commercial business		$	157			$	-			$	588			$	-
Commercial real estate			2,462				16				2,740				16
Land			726				10				757				-
Multi-family			1,591				23				1,638				22
Consumer			575				7				1,421				16
Total		$	5,511			$	56			$	7,144			$	54

Schedule of TDRs by interest accrual status

		June 30, 2019												March 31, 2019
		Accrual				Nonaccrual				Total				Accrual				Nonaccrual				Total

Commercial business		$	-			$	155			$	155			$	-			$	160			$	160
Commercial real estate			1,392				1,049				2,441				1,401				1,081				2,482
Land			724				-				724				728				-				728
Multi-family			1,584				-				1,584				1,598				-				1,598
Consumer			426				27				453				697				-				697
Total		$	4,126			$	1,231			$	5,357			$	4,424			$	1,241			$	5,665