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ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Mar. 31, 2020
ALLOWANCE FOR LOAN LOSSES |
Schedule of reconciliation of the allowance for loan losses |
|  | Commercial |  | Commercial |  |  |  |  | Multi- |  | Real Estate |  |  |  |  |  |  |  |  |
March 31, 2020 |  | Business |  | Real Estate |  | Land |  | Family |  | 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 |  |  | 264 |  |  | 1,368 |  |  | (24) |  |  | 126 |  |  | (308) |  |  | (65) |  |  | (111) |  |  | 1,250
Charge-offs |  |  | (64) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (82) |  |  | — |  |  | (146)
Recoveries |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 63 |  |  | — |  |  | 63
Ending balance |  | $ | 2,008 |  | $ | 6,421 |  | $ | 230 |  | $ | 854 |  | $ | 1,149 |  | $ | 1,363 |  | $ | 599 |  | $ | 12,624
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,668 |  | $ | 4,914 |  | $ | 220 |  | $ | 822 |  | $ | 618 |  | $ | 1,809 |  | $ | 715 |  | $ | 10,766
Provision for (recapture of) loan losses |  |  | 139 |  |  | (685) |  |  | 34 |  |  | (94) |  |  | 839 |  |  | (178) |  |  | (5) |  |  | 50
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (291) |  |  | — |  |  | (291)
Recoveries |  |  | 1 |  |  | 824 |  |  | — |  |  | — |  |  | — |  |  | 107 |  |  | — |  |  | 932
Ending balance |  | $ | 1,808 |  | $ | 5,053 |  | $ | 254 |  | $ | 728 |  | $ | 1,457 |  | $ | 1,447 |  | $ | 710 |  | $ | 11,457
March 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,418 |  | $ | 5,084 |  | $ | 228 |  | $ | 297 |  | $ | 714 |  | $ | 2,099 |  | $ | 688 |  | $ | 10,528
Provision for (recapture of) loan losses |  |  | 10 |  |  | (156) |  |  | (301) |  |  | 525 |  |  | (96) |  |  | (9) |  |  | 27 |  |  | —
Charge-offs |  |  | — |  |  | (68) |  |  | — |  |  | — |  |  | — |  |  | (340) |  |  | — |  |  | (408)
Recoveries |  |  | 240 |  |  | 54 |  |  | 293 |  |  | — |  |  | — |  |  | 59 |  |  | — |  |  | 646
Ending balance |  | $ | 1,668 |  | $ | 4,914 |  | $ | 220 |  | $ | 822 |  | $ | 618 |  | $ | 1,809 |  | $ | 715 |  | $ | 10,766
Schedule of impaired financing receivables |
|  | Allowance for Loan Losses |  | Recorded Investment in Loans
|  | Individually |  | Collectively |  |  |  |  | Individually |  | Collectively |  |  |
|  | Evaluated for |  | Evaluated for |  |  |  |  | Evaluated for |  | Evaluated for |  |  |
March 31, 2020 |  | Impairment |  | Impairment |  | Total |  | Impairment |  | Impairment |  | Total
Commercial business |  | $ | — |  | $ | 2,008 |  | $ | 2,008 |  | $ | 139 |  | $ | 178,890 |  | $ | 179,029
Commercial real estate |  |  | — |  |  | 6,421 |  |  | 6,421 |  |  | 2,378 |  |  | 505,493 |  |  | 507,871
Land |  |  | — |  |  | 230 |  |  | 230 |  |  | 714 |  |  | 13,312 |  |  | 14,026
Multi-family |  |  | — |  |  | 854 |  |  | 854 |  |  | 1,549 |  |  | 56,825 |  |  | 58,374
Real estate construction |  |  | — |  |  | 1,149 |  |  | 1,149 |  |  | — |  |  | 64,843 |  |  | 64,843
Consumer |  |  | 12 |  |  | 1,351 |  |  | 1,363 |  |  | 432 |  |  | 86,934 |  |  | 87,366
Unallocated |  |  | — |  |  | 599 |  |  | 599 |  |  | — |  |  | — |  |  | —
Total |  | $ | 12 |  | $ | 12,612 |  | $ | 12,624 |  | $ | 5,212 |  | $ | 906,297 |  | $ | 911,509
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 changes in the allowance for unfunded loan commitments |
|  | Year Ended March 31,
|  | 2020 |  | 2019 |  | 2018
Beginning balance |  | $ | 469 |  | $ | 480 |  | $ | 388
Net change in allowance for unfunded loan commitments |  |  | 5 |  |  | (11) |  |  | 92
Ending balance |  | $ | 474 |  | $ | 469 |  | $ | 480
Schedule of analysis of loans by aging category |
|  |  |  |  | 90 Days |  |  |  |  | Total Past |  |  |  |  |  |
|  |  |  |  | and |  |  |  |  | Due and |  |  |  |  |  |
|  | 30-89 Days |  | Greater |  |  |  |  | Non- |  |  |  |  | Total Loans
March 31, 2020 |  | Past Due |  | Past Due |  | Non-accrual |  | accrual |  | Current |  | Receivable
Commercial business |  | $ | — |  | $ | — |  | $ | 201 |  | $ | 201 |  | $ | 178,828 |  | $ | 179,029
Commercial real estate |  |  | — |  |  | — |  |  | 1,014 |  |  | 1,014 |  |  | 506,857 |  |  | 507,871
Land |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,026 |  |  | 14,026
Multi-family |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 58,374 |  |  | 58,374
Real estate construction |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 64,843 |  |  | 64,843
Consumer |  |  | 271 |  |  | — |  |  | 180 |  |  | 451 |  |  | 86,915 |  |  | 87,366
Total |  | $ | 271 |  | $ | — |  | $ | 1,395 |  | $ | 1,666 |  | $ | 909,843 |  | $ | 911,509
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 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  | Total Loans
March 31, 2020 |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Loss |  | Receivable
Commercial business |  | $ | 177,399 |  | $ | 1,282 |  | $ | 348 |  | $ | — |  | $ | — |  | $ | 179,029
Commercial real estate |  |  | 506,794 |  |  | 63 |  |  | 1,014 |  |  | — |  |  | — |  |  | 507,871
Land |  |  | 14,026 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,026
Multi-family |  |  | 58,295 |  |  | 45 |  |  | 34 |  |  | — |  |  | — |  |  | 58,374
Real estate construction |  |  | 64,843 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 64,843
Consumer |  |  | 87,186 |  |  | — |  |  | 180 |  |  | — |  |  | — |  |  | 87,366
Total |  | $ | 908,543 |  | $ | 1,390 |  | $ | 1,576 |  | $ | — |  | $ | — |  | $ | 911,509
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 |
|  | Recorded |  | Recorded |  |  |  |  |  |  |  |  |
|  | Investment with |  | Investment |  |  |  |  |  |  |  | Related
|  | No Specific |  | with Specific |  | Total |  | Unpaid |  | Specific
|  | Valuation |  | Valuation |  | Recorded |  | Principal |  | Valuation
March 31, 2020 |  | Allowance |  | Allowance |  | Investment |  | Balance |  | Allowance
Commercial business |  | $ | 139 |  | $ | — |  | $ | 139 |  | $ | 170 |  | $ | —
Commercial real estate |  |  | 2,378 |  |  | — |  |  | 2,378 |  |  | 3,405 |  |  | —
Land |  |  | 714 |  |  | — |  |  | 714 |  |  | 748 |  |  | —
Multi-family |  |  | 1,549 |  |  | — |  |  | 1,549 |  |  | 1,662 |  |  | —
Consumer |  |  | 295 |  |  | 137 |  |  | 432 |  |  | 543 |  |  | 12
Total |  | $ | 5,075 |  | $ | 137 |  | $ | 5,212 |  | $ | 6,528 |  | $ | 12
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
|  | Year ended |  | Year ended |  | Year ended
|  | March 31, 2020 |  | March 31, 2019 |  | March 31, 2018
|  |  |  |  | Interest |  |  |  |  | Interest |  |  |  |  | Interest
|  | Average |  | Recognized |  | Average |  | Recognized |  | Average |  | Recognized
|  | Recorded |  | on Impaired |  | Recorded |  | on Impaired |  | Recorded |  | on Impaired
|  | Investment |  | Loans |  | Investment |  | Loans |  | Investment |  | Loans
Commercial business |  | $ | 150 |  | $ | 62 |  | $ | 334 |  | $ | — |  | $ | 930 |  | $ | 41
Commercial real estate |  |  | 2,420 |  |  | 40 |  |  | 2,607 |  |  | 64 |  |  | 4,185 |  |  | 101
Land |  |  | 720 |  |  | 90 |  |  | 742 |  |  | 7 |  |  | 781 |  |  | —
Multi-family |  |  | 1,573 |  |  | — |  |  | 1,620 |  |  | 88 |  |  | 1,668 |  |  | 90
Consumer |  |  | 494 |  |  | 29 |  |  | 992 |  |  | 45 |  |  | 1,452 |  |  | 62
Total |  | $ | 5,357 |  | $ | 221 |  | $ | 6,295 |  | $ | 204 |  | $ | 9,016 |  | $ | 294
Schedule of TDRs by interest accrual status |
|  | March 31, 2020 |  | March 31, 2019
|  | Accrual |  | Nonaccrual |  | Total |  | Accrual |  | Nonaccrual |  | Total
Commercial business |  | $ | — |  | $ | 139 |  | $ | 139 |  | $ | — |  | $ | 160 |  | $ | 160
Commercial real estate |  |  | 1,364 |  |  | 1,014 |  |  | 2,378 |  |  | 1,401 |  |  | 1,081 |  |  | 2,482
Land |  |  | 714 |  |  | — |  |  | 714 |  |  | 728 |  |  | — |  |  | 728
Multi-family |  |  | 1,549 |  |  | — |  |  | 1,549 |  |  | 1,598 |  |  | — |  |  | 1,598
Consumer |  |  | 432 |  |  | — |  |  | 432 |  |  | 697 |  |  | — |  |  | 697
Total |  | $ | 4,059 |  | $ | 1,153 |  | $ | 5,212 |  | $ | 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 Schedule of changes in the allowance for unfunded loan commitments. + 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 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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