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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Sep. 30, 2022
Sep. 30, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 9,846,000 $ 12,185,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,449,000 1,784,000
Purchased loans amortization (accretion), net (31,000) (4,000)
Provision for (recapture of) loan losses   (2,700,000)
Stock-based compensation expense 192,000 177,000
Increase (decrease) in deferred loan origination fees, net of amortization 102,000 (1,252,000)
Net (gain) loss on disposal of premises and equipment   (993,000)
Income from BOLI (432,000) (424,000)
BOLI death benefit in excess of cash surrender value   (500,000)
Changes in certain other assets and liabilities:    
Prepaid expenses and other assets (603,000) 1,512,000
Accrued interest receivable (557,000) 464,000
Accrued expenses and other liabilities (1,175,000) (2,005,000)
Net cash provided by operating activities 8,791,000 8,244,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Loan repayments, net 25,831,000 60,358,000
Purchases of loans receivable (46,473,000) (30,377,000)
Principal repayments on investment securities available for sale 8,708,000 23,650,000
Purchases of investment securities available for sale (73,303,000) (86,621,000)
Proceeds from calls of investment securities available for sale 10,000  
Principal repayments on investment securities held to maturity 10,289,000 784,000
Purchases of investment securities held to maturity (8,496,000) (33,440,000)
Purchases of premises and equipment and capitalized software (1,163,000) (1,397,000)
Proceeds from death benefit on BOLI   1,305,000
Proceeds from sales of REO and premises and equipment 63,000 3,427,000
Net cash (used in) provided by investing activities (84,534,000) (62,311,000)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net (decrease) increase in deposits (44,526,000) 160,619,000
Dividends paid (2,536,000) (2,237,000)
Proceeds from borrowings   2,000,000
Repayment of borrowings   (2,000,000)
Net increase (decrease) in advance payments by borrowers for taxes and insurance 370,000 129,000
Principal payments on finance lease liability (26,000) (22,000)
Proceeds from exercise of stock options 4,000 16,000
Repurchase of common stock (4,784,000) (1,724,000)
Net cash provided by (used in) financing activities (51,498,000) 156,781,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (127,241,000) 102,714,000
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 241,424,000 265,408,000
CASH AND CASH EQUIVALENTS, END OF PERIOD 114,183,000 368,122,000
Cash paid during the period for:    
Interest 1,042,000 1,108,000
Income taxes 2,267,000 2,389,000
NONCASH INVESTING AND FINANCING ACTIVITIES:    
Dividends declared and accrued in other liabilities 1,291,000 1,219,000
Net unrealized holding (losses) gains from available for sale investment securities (16,450,000) (198,000)
Income tax effect related to other comprehensive income (loss) $ 3,949,000 $ 48,000