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INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Mar. 31, 2023
Deferred tax assets:    
Deferred compensation $ 17 $ 78
ACL 3,768 3,772
Accrued expenses 520 160
Accumulated depreciation and amortization 977 918
Deferred gain on sale 17 34
Deferred income 43 57
Purchase accounting 15 46
Net unrealized loss on investment securities available for sale 5,093 5,782
Operating lease liabilities 1,387 1,695
Other 356 429
Total deferred tax assets 12,193 12,971
Deferred tax liabilities:    
FHLB stock dividends (38) (38)
Prepaid expenses (325) (241)
Operating lease ROU assets (1,315) (1,609)
Loan fees/costs (737) (797)
Total deferred tax liabilities (2,415) (2,685)
Deferred tax assets, net $ 9,778 $ 10,286