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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Sep. 30, 2020
Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 3,023,000 $ 8,726,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,513,000 1,496,000
Purchased loans amortization, net 122,000 181,000
Provision for loan losses 6,300,000  
Stock-based compensation expense 206,000 249,000
Increase in deferred loan origination fees, net of amortization 2,351,000 96,000
Origination of loans held for sale (913,000) (4,786,000)
Proceeds from sales of loans held for sale 1,214,000 5,477,000
Net gains on loans held for sale and sales of premises and equipment (23,000) (216,000)
Income from BOLI [1] (432,000) (397,000)
Changes in certain other assets and liabilities:    
Prepaid expenses and other assets (2,752,000) 2,001,000
Accrued interest receivable (1,637,000) 92,000
Accrued expenses and other liabilities (1,429,000) (677,000)
Net cash provided by operating activities 7,543,000 12,242,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Loan repayments (originations), net (62,370,000) 1,530,000
Purchases of loans receivable (3,826,000) (6,992,000)
Principal repayments on investment securities available for sale 19,105,000 14,515,000
Proceeds from calls of investment securities available for sale 3,000,000 3,000,000
Principal repayments on investment securities held to maturity 4,000 4,000
Purchases of premises and equipment and capitalized software (2,338,000) (599,000)
Redemption of certificates of deposit held for investment   498,000
Redemption (purchases) of FHLB stock, net (1,200,000) 2,264,000
Proceeds from sales of real estate owned ("REO") and premises and equipment   81,000
Net cash provided by (used in) investing activities (47,625,000) 14,301,000
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase in deposits 209,524,000 57,217,000
Dividends paid (2,245,000) (1,923,000)
Proceeds from borrowings 30,000,000 214,897,000
Repayment of borrowings   (271,483,000)
Net increase in advance payments by borrowers for taxes and insurance 308,000 486,000
Principal payments on finance lease liability (19,000) (16,000)
Proceeds from exercise of stock options 9,000 217,000
Repurchase of common stock (1,447,000)  
Net cash provided by (used in) financing activities 236,130,000 (605,000)
NET INCREASE IN CASH AND CASH EQUIVALENTS 196,048,000 25,938,000
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 41,968,000 22,950,000
CASH AND CASH EQUIVALENTS, END OF PERIOD 238,016,000 48,888,000
Cash paid during the period for:    
Interest 1,901,000 2,202,000
Income taxes 2,292,000 1,482,000
NONCASH INVESTING AND FINANCING ACTIVITIES:    
Dividends declared and accrued in other liabilities 1,117,000 1,023,000
Net unrealized holding gain from available for sale investment securities 840,000 3,745,000
Income tax effect related to other comprehensive income (201,000) (898,000)
ROU lease assets obtained in exchange for operating lease liabilities $ 5,833,000 $ 5,603,000
[1] Not within the scope of ASC 606