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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Mar. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 15,748 $ 17,266 $ 10,242
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization 2,963 2,718 2,917
Purchased loans amortization (accretion), net 53 (147) (277)
Provision for loan losses 1,250 50  
Provision (benefit) for deferred income taxes (574) (11) 3,668
Expense related to ESOP     148
Stock-based compensation expense 346 44 88
Increase in deferred loan origination fees, net of amortization 138 498 498
Origination of loans held for sale (8,941) (11,105) (20,502)
Proceeds from sales of loans held for sale 9,743 10,579 21,204
Net gains on sales of loans held for sale, sales of investment securities, sales of real estate owned ("REO") and sales of premises and equipment (355) (682) (725)
Income from BOLI (864) (734) (819)
Changes in certain other assets and liabilities:      
Prepaid expenses and other assets 2,622 (868) (212)
Accrued interest receivable 215 (442) (536)
Accrued expenses and other liabilities (6,427) 2,988 (3,755)
Net cash provided by operating activities 15,917 20,154 11,939
CASH FLOWS FROM INVESTING ACTIVITIES:      
Loan repayments (originations), net (11,786) (34,427) 11,156
Purchases of loans receivable (23,818) (29,929) (43,016)
Principal repayments on investment securities available for sale 28,371 26,519 28,569
Purchases of investment securities available for sale (18,125)   (47,494)
Proceeds from calls, maturities and sales of investment securities available for sale 24,623 10,000 950
Principal repayments on investment securities held to maturity 7 7 22
Purchases of premises and equipment (2,953) (1,046) (753)
Redemption of certificates of deposit held for investment 498 5,220 5,075
Redemption (purchases) of FHLB stock, net (2,224) (2,291) (172)
Proceeds from sales of REO and premises and equipment 81 976 81
Net cash used in investing activities (878) (24,971) (45,582)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net increase (decrease) in deposits 65,394 (70,568) 15,771
Dividends paid (4,075) (3,163) (2,140)
Proceeds from borrowings 224,897 326,956 55,980
Repayment of borrowings (281,483) (270,370) (55,980)
Net increase (decrease) in advance payments by borrowers for taxes and insurance 72 (6) (56)
Principal payments on finance lease liability (34) (28) (23)
Proceeds from exercise of stock options 227 179 245
Repurchase of common stock (1,019)    
Net cash provided by (used in) financing activities 3,979 (17,000) 13,797
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 19,018 (21,817) (19,846)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 22,950 44,767 64,613
CASH AND CASH EQUIVALENTS, END OF YEAR 41,968 22,950 44,767
Cash paid during the year for:      
Interest 4,576 2,686 2,176
Income taxes 4,438 6,877 3,280
NONCASH INVESTING AND FINANCING ACTIVITIES:      
Dividends declared and accrued in other liabilities 1,135 904 677
Other comprehensive income (loss) 6,217 2,751 (3,590)
Income tax effect related to other comprehensive income (loss) (1,492) $ (629) $ 871
Recognition of right-of-use lease assets and operating lease liabilities (See Note 18) $ 5,603