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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

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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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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Schedule of changes in the allowance for unfunded loan commitments.

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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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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
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