Consolidated Statements of Cash Flows $ in Thousands	9 Months Ended
	Dec. 31, 2019 USD ($)	Dec. 31, 2018 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net loss	$ (3,625)	$ (4,396)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recovery of) loan losses	16	(278)
Stock based compensation expense	6	34
Depreciation and amortization expense	698	579
Gain on sale of real estate owned, net of market value adjustment	(208)	(208)
Loss on redemption of equity securities, net	0	27
(Gain) loss on sale of loans, net	(25)	23
Gain on sale of building	0	(462)
Amortization and accretion of loan premiums and discounts and deferred charges	354	375
Amortization and accretion of premiums and discounts — securities	700	355
Increase in accrued interest receivable	0	(45)
Decrease in other assets	3,478	1,049
Increase (decrease) in other liabilities	1,057	(541)
Net cash provided by (used in) operating activities	2,451	(3,488)
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of investments: Available-for-sale	0	(58,220)
Proceeds from principal payments, maturities and calls of investments: Available-for-sale	9,647	6,847
Proceeds from principal payments, maturities and calls of investments: Held-to-maturity	663	704
Proceeds from redemption of equity securities	0	9,199
Repayments and maturities, net of originations of loans held-for-investment	(26,638)	(49,545)
Loans purchased from third parties	(20,902)	0
Proceeds on sale of loans	602	232
(Purchase) redemption of FHLB-NY stock, net	(182)	1,202
Purchase of premises and equipment	(1,212)	(2,861)
Proceeds from sales of real estate owned	511	1,221
Net cash provided by investing activities	15,765	7,869
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(15,898)	(73,866)
Net increase (decrease) in FHLB-NY advances and other borrowings	4,187	(25,000)
Net cash used in financing activities	(11,711)	(98,866)
Net increase (decrease) in cash and cash equivalents	6,505	(94,485)
Cash and cash equivalents at beginning of period	31,228	134,558
Cash and cash equivalents at end of period	37,733	40,073
Noncash financing and investing activities
Transfers to real estate owned	0	142
Recognition of right-of-use asset	19,951
Recognition of operating lease liability	18,700
Recognition of finance lease asset	216
Recognition of finance lease liability	206
Cash paid for:
Interest	3,825	3,983
Income taxes	$ 53	$ 77