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ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

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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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.

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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.

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Tabular disclosure of aging analysis for financing receivable.

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