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LOANS RECEIVABLE (Tables) | 9 Months Ended
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Dec. 31, 2020
LOANS RECEIVABLE |
Schedule of loans and financing receivable | Loans receivable, excluding loans held for sale, consisted of the following at the dates indicated (in thousands):
|  | December 31, |  | March 31,
|  | 2020 |  | 2020
Commercial and construction |  |  |  |  |  |
Commercial business(1) |  | $ | 252,687 |  | $ | 179,029
Commercial real estate |  |  | 541,417 |  |  | 507,871
Land |  |  | 12,126 |  |  | 14,026
Multi-family |  |  | 42,166 |  |  | 58,374
Real estate construction |  |  | 16,922 |  |  | 64,843
Total commercial and construction |  |  | 865,318 |  |  | 824,143
Consumer |  |  |  |  |  |
Real estate one-to-four family |  |  | 63,621 |  |  | 83,150
Other installment |  |  | 2,529 |  |  | 4,216
Total consumer |  |  | 66,150 |  |  | 87,366
Total loans |  |  | 931,468 |  |  | 911,509
Less: Allowance for loan losses |  |  | 19,192 |  |  | 12,624
Loans receivable, net |  | $ | 912,276 |  | $ | 898,885
SBA PPP loans totaled $80.8 million and none at December 31, 2020 and March 31, 2020, respectively.

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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
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