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ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Sep. 30, 2019
ALLOWANCE FOR LOAN LOSSES |
Schedule of reconciliation of the allowance for loan losses | The following tables present a reconciliation of the allowance for loan losses for the periods indicated (in thousands):
Three months ended |  | Commercial |  | Commercial |  |  |  |  | Multi- |  | Real Estate |  |  |  |  |  |  |  |  |
September 30, 2019 |  | Business |  | Real Estate |  | Land |  | Family |  | Construction |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 2,113 |  | $ | 4,889 |  | $ | 244 |  | $ | 699 |  | $ | 1,506 |  | $ | 1,346 |  | $ | 645 |  | $ | 11,442
Provision for (recapture of) loan losses |  |  | (62) |  |  | 149 |  |  | (25) |  |  | 80 |  |  | (125) |  |  | 7 |  |  | (24) |  |  | —
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (13) |  |  | — |  |  | (13)
Recoveries |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 7
Ending balance |  | $ | 2,051 |  | $ | 5,038 |  | $ | 219 |  | $ | 779 |  | $ | 1,381 |  | $ | 1,347 |  | $ | 621 |  | $ | 11,436
Six months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,808 |  | $ | 5,053 |  | $ | 254 |  | $ | 728 |  | $ | 1,457 |  | $ | 1,447 |  | $ | 710 |  | $ | 11,457
Provision for (recapture of) loan losses |  |  | 246 |  |  | (15) |  |  | (35) |  |  | 51 |  |  | (76) |  |  | (82) |  |  | (89) |  |  | —
Charge-offs |  |  | (3) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (54) |  |  | — |  |  | (57)
Recoveries |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 36 |  |  | — |  |  | 36
Ending balance |  | $ | 2,051 |  | $ | 5,038 |  | $ | 219 |  | $ | 779 |  | $ | 1,381 |  | $ | 1,347 |  | $ | 621 |  | $ | 11,436
Three months ended |  | Commercial |  | Commercial |  |  |  |  | Multi- |  | Real Estate |  |  |  |  |  |  |  |  |
September 30, 2018 |  | Business |  | Real Estate |  | Land |  | Family |  | 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
Schedule of impaired financing receivables | The following tables present an analysis of loans receivable and the allowance for loan losses, based on impairment methodology, at the dates indicated (in thousands):
|  | Allowance for Loan Losses |  | Recorded Investment in Loans
|  | Individually |  | Collectively |  |  |  |  | Individually |  | Collectively |  |  |
|  | Evaluated for |  | Evaluated for |  |  |  |  | Evaluated for |  | Evaluated for |  |  |
September 30, 2019 |  | Impairment |  | Impairment |  | Total |  | Impairment |  | Impairment |  | Total
Commercial business |  | $ | — |  | $ | 2,051 |  | $ | 2,051 |  | $ | 150 |  | $ | 167,632 |  | $ | 167,782
Commercial real estate |  |  | — |  |  | 5,038 |  |  | 5,038 |  |  | 2,408 |  |  | 469,163 |  |  | 471,571
Land |  |  | — |  |  | 219 |  |  | 219 |  |  | 720 |  |  | 13,446 |  |  | 14,166
Multi-family |  |  | — |  |  | 779 |  |  | 779 |  |  | 1,571 |  |  | 54,407 |  |  | 55,978
Real estate construction |  |  | — |  |  | 1,381 |  |  | 1,381 |  |  | — |  |  | 83,174 |  |  | 83,174
Consumer |  |  | 10 |  |  | 1,337 |  |  | 1,347 |  |  | 448 |  |  | 88,197 |  |  | 88,645
Unallocated |  |  | — |  |  | 621 |  |  | 621 |  |  | — |  |  | — |  |  | —
Total |  | $ | 10 |  | $ | 11,426 |  | $ | 11,436 |  | $ | 5,297 |  | $ | 876,019 |  | $ | 881,316
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 | The following tables present an analysis of loans by aging category at the dates indicated (in thousands):
|  |  |  |  | 90 Days and |  |  |  |  | Total Past |  |  |  |  |  |
|  | 30‑89 Day |  | Greater |  |  |  |  | Due and |  |  |  |  | Total Loans
September 30, 2019 |  | Past Due |  | Past Due |  | Non-accrual |  | Non- accrual |  | Current |  | Receivable
Commercial business |  | $ | 187 |  | $ | — |  | $ | 243 |  | $ | 430 |  | $ | 167,352 |  | $ | 167,782
Commercial real estate |  |  | — |  |  | — |  |  | 1,026 |  |  | 1,026 |  |  | 470,545 |  |  | 471,571
Land |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,166 |  |  | 14,166
Multi-family |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 55,978 |  |  | 55,978
Real estate construction |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 83,174 |  |  | 83,174
Consumer |  |  | 171 |  |  | — |  |  | 216 |  |  | 387 |  |  | 88,258 |  |  | 88,645
Total |  | $ | 358 |  | $ | — |  | $ | 1,485 |  | $ | 1,843 |  | $ | 879,473 |  | $ | 881,316
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 | The following tables present an analysis of loans by credit quality indicators at the dates indicated (in thousands):
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  | Total Loans
September 30, 2019 |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Loss |  | Receivable
Commercial business |  | $ | 164,196 |  | $ | 1,817 |  | $ | 1,769 |  | $ | — |  | $ | — |  | $ | 167,782
Commercial real estate |  |  | 469,963 |  |  | — |  |  | 1,608 |  |  | — |  |  | — |  |  | 471,571
Land |  |  | 13,446 |  |  | — |  |  | 720 |  |  | — |  |  | — |  |  | 14,166
Multi-family |  |  | 55,457 |  |  | 501 |  |  | 20 |  |  | — |  |  | — |  |  | 55,978
Real estate construction |  |  | 83,174 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 83,174
Consumer |  |  | 88,429 |  |  | — |  |  | 216 |  |  | — |  |  | — |  |  | 88,645
Total |  | $ | 874,665 |  | $ | 2,318 |  | $ | 4,333 |  | $ | — |  | $ | — |  | $ | 881,316
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 | The following tables present the total and average recorded investment in impaired loans at the dates and for the periods indicated (in thousands):
|  | Recorded |  |  |  |  |  |  |  |  |  |  |  |
|  | Investment |  | Recorded |  |  |  |  |  |  |  |  |
|  | with |  | Investment |  |  |  |  |  |  |  | Related
|  | No Specific |  | with Specific |  | Total |  | Unpaid |  | Specific
|  | Valuation |  | Valuation |  | Recorded |  | Principal |  | Valuation
|  | Allowance |  | Allowance |  | Investment |  | Balance |  | Allowance
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 150 |  | $ | — |  | $ | 150 |  | $ | 178 |  | $ | —
Commercial real estate |  |  | 2,408 |  |  | — |  |  | 2,408 |  |  | 3,403 |  |  | —
Land |  |  | 720 |  |  | — |  |  | 720 |  |  | 756 |  |  | —
Multi-family |  |  | 1,571 |  |  | — |  |  | 1,571 |  |  | 1,678 |  |  | —
Consumer |  |  | 303 |  |  | 145 |  |  | 448 |  |  | 563 |  |  | 10
Total |  | $ | 5,152 |  | $ | 145 |  | $ | 5,297 |  | $ | 6,578 |  | $ | 10
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 |  | Three months ended
|  | September 30, 2019 |  | September 30, 2018
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Recognized on |  | Recorded |  | Recognized on
|  | Investment |  | Impaired Loans |  | Investment |  | Impaired Loans
Commercial business |  | $ | 153 |  | $ | — |  | $ | 170 |  | $ | —
Commercial real estate |  |  | 2,424 |  |  | 16 |  |  | 2,576 |  |  | 16
Land |  |  | 722 |  |  | 10 |  |  | 745 |  |  | —
Multi-family |  |  | 1,577 |  |  | 23 |  |  | 1,625 |  |  | 22
Consumer |  |  | 451 |  |  | 7 |  |  | 1,064 |  |  | 10
Total |  | $ | 5,327 |  | $ | 56 |  | $ | 6,180 |  | $ | 48
|  | Six months ended |  | Six months ended
|  | September 30, 2019 |  | September 30, 2018
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Recognized on |  | Recorded |  | Recognized on
|  | Investment |  | Impaired Loans |  | Investment |  | Impaired Loans
Commercial business |  | $ | 155 |  | $ | — |  | $ | 448 |  | $ | —
Commercial real estate |  |  | 2,444 |  |  | 31 |  |  | 2,678 |  |  | 32
Land |  |  | 724 |  |  | 20 |  |  | 751 |  |  | —
Multi-family |  |  | 1,584 |  |  | 45 |  |  | 1,632 |  |  | 44
Consumer |  |  | 533 |  |  | 15 |  |  | 1,185 |  |  | 26
Total |  | $ | 5,440 |  | $ | 111 |  | $ | 6,694 |  | $ | 102
Schedule of TDRs by interest accrual status | The following table presents TDRs by interest accrual status at the dates indicated (in thousands):
|  | September 30, 2019 |  | March 31, 2019
|  | Accrual |  | Nonaccrual |  | Total |  | Accrual |  | Nonaccrual |  | Total
Commercial business |  | $ | — |  | $ | 150 |  | $ | 150 |  | $ | — |  | $ | 160 |  | $ | 160
Commercial real estate |  |  | 1,382 |  |  | 1,026 |  |  | 2,408 |  |  | 1,401 |  |  | 1,081 |  |  | 2,482
Land |  |  | 720 |  |  | — |  |  | 720 |  |  | 728 |  |  | — |  |  | 728
Multi-family |  |  | 1,571 |  |  | — |  |  | 1,571 |  |  | 1,598 |  |  | — |  |  | 1,598
Consumer |  |  | 422 |  |  | 26 |  |  | 448 |  |  | 697 |  |  | — |  |  | 697
Total |  | $ | 4,095 |  | $ | 1,202 |  | $ | 5,297 |  | $ | 4,424 |  | $ | 1,241 |  | $ | 5,665

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References No definition available. + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References No definition available. + Details
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- Definition Tabular disclosure of impaired financing receivables. + References No definition available. + Details
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- Definition Schedule (table) of the average recorded investment and the interest recognized on impaired loans for the periods indicated. + References No definition available. + Details
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- Definition Represents the textual narrative disclosure of Schedule of TDRs by Interest Accrual Status, during the indicated time period. + References No definition available. + Details
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