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ALLOWANCE FOR LOAN LOSSES - Reconciliation of the allowance for loan losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2020 | Jun. 30, 2020 | Mar. 31, 2020 | Mar. 31, 2021 | Mar. 31, 2020 | Mar. 31, 2019
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | $ 12,624 |  | $ 12,624 | $ 11,457 | $ 10,766
Provision for (recapture of) loan losses | $ 1,800 | 4,500 | $ 1,250 | 6,300 | 1,250 | 50
Charge-offs |  |  |  | (124) | (146) | (291)
Recoveries |  |  |  | 378 | 63 | 932
Ending balance |  |  | 12,624 | 19,178 | 12,624 | 11,457
Commercial Real Estate Portfolio Segment | Commercial business |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | 2,008 |  | 2,008 | 1,808 | 1,668
Provision for (recapture of) loan losses |  |  |  | 398 | 264 | 139
Charge-offs |  |  |  | 0 | (64) | 0
Recoveries |  |  |  | 10 | 0 | 1
Ending balance |  |  | 2,008 | 2,416 | 2,008 | 1,808
Commercial Real Estate Portfolio Segment | Commercial real estate |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | 6,421 |  | 6,421 | 5,053 | 4,914
Provision for (recapture of) loan losses |  |  |  | 7,336 | 1,368 | (685)
Charge-offs |  |  |  | 0 | 0 | 0
Recoveries |  |  |  | 332 | 0 | 824
Ending balance |  |  | 6,421 | 14,089 | 6,421 | 5,053
Commercial Real Estate Portfolio Segment | Land |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | 230 |  | 230 | 254 | 220
Provision for (recapture of) loan losses |  |  |  | 3 | (24) | 34
Charge-offs |  |  |  | 0 | 0 | 0
Recoveries |  |  |  | 0 | 0 | 0
Ending balance |  |  | 230 | 233 | 230 | 254
Commercial Real Estate Portfolio Segment | Multi-family |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | 854 |  | 854 | 728 | 822
Provision for (recapture of) loan losses |  |  |  | (216) | 126 | (94)
Charge-offs |  |  |  | 0 | 0 | 0
Recoveries |  |  |  | 0 | 0 | 0
Ending balance |  |  | 854 | 638 | 854 | 728
Commercial Real Estate Portfolio Segment | Real estate construction |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | 1,149 |  | 1,149 | 1,457 | 618
Provision for (recapture of) loan losses |  |  |  | (855) | (308) | 839
Charge-offs |  |  |  | 0 | 0 | 0
Recoveries |  |  |  | 0 | 0 | 0
Ending balance |  |  | 1,149 | 294 | 1,149 | 1,457
Consumer |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | 1,363 |  | 1,363 | 1,447 | 1,809
Provision for (recapture of) loan losses |  |  |  | (423) | (65) | (178)
Charge-offs |  |  |  | (124) | (82) | (291)
Recoveries |  |  |  | 36 | 63 | 107
Ending balance |  |  | 1,363 | 852 | 1,363 | 1,447
Unallocated |  |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |  |
Beginning balance |  | $ 599 |  | 599 | 710 | 715
Provision for (recapture of) loan losses |  |  |  | 57 | (111) | (5)
Charge-offs |  |  |  | 0 | 0 | 0
Recoveries |  |  |  | 0 | 0 | 0
Ending balance |  |  | $ 599 | $ 656 | $ 599 | $ 710

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- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
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- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
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- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=121614798&loc=d3e15032-111544 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 + Details
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