ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Mar. 31, 2018

Allowance For Loan Losses [Abstract]

Schedule of reconciliation of the allowance for loan losses

March 31, 2018	Commercial Business		Commercial Real Estate			Land			Multi- Family		Real Estate Construction			Consumer			Unallocated		Total
Beginning balance	$	1,418	$	5,084		$	228		$	297	$	714		$	2,099		$	688	$	10,528
Provision for (recapture of)   loan losses		10		(156	)		(301	)		525		(96	)		(9	)		27		-
Charge-offs		-		(68	)		-			-		-			(340	)		-		(408	)
Recoveries		240		54			293			-		-			59			-		646
Ending balance	$	1,668	$	4,914		$	220		$	822	$	618		$	1,809		$	715	$	10,766

March 31, 2017
Beginning balance	$	1,048		$	4,273		$	325		$	712		$	416	$	2,403		$	708		$	9,885
Provision for (recapture of)   loan losses		(121	)		926			(558	)		(415	)		298		(110	)		(20	)		-
Charge-offs		(1	)		(117	)		-			-			-		(340	)		-			(458	)
Recoveries		492			2			461			-			-		146			-			1,101
Ending balance	$	1,418		$	5,084		$	228		$	297		$	714	$	2,099		$	688		$	10,528

March 31, 2016
Beginning balance	$	1,263		$	4,268	$	539		$	348	$	769		$	2,548		$	1,027		$	10,762
Provision for (recapture of)   loan losses		(245	)		5		(545	)		364		(359	)		(51	)		(319	)		(1,150	)
Charge-offs		-			-		-			-		-			(274	)		-			(274	)
Recoveries		30			-		331			-		6			180			-			547
Ending balance	$	1,048		$	4,273	$	325		$	712	$	416		$	2,403		$	708		$	9,885

Schedule of impaired financing receivables

	Allowance for Loan Losses						Recorded Investment in Loans
March 31, 2018	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total		Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total
Commercial business	$	-	$	1,668	$	1,668	$	1,004	$	136,668	$	137,672
Commercial real estate		-		4,914		4,914		2,883		447,714		450,597
Land		-		220		220		763		14,574		15,337
Multi-family		-		822		822		1,644		61,436		63,080
Real estate construction		-		618		618		-		39,584		39,584
Consumer		69		1,740		1,809		1,428		103,678		105,106
Unallocated		-		715		715		-		-		-
Total	$	69	$	10,697	$	10,766	$	7,722	$	803,654	$	811,376

March 31, 2017
Commercial business	$	-	$	1,418	$	1,418	$	294	$	107,077	$	107,371
Commercial real estate		-		5,084		5,084		7,604		439,467		447,071
Land		-		228		228		801		15,074		15,875
Multi-family		-		297		297		1,692		42,023		43,715
Real estate construction		-		714		714		-		46,157		46,157
Consumer		88		2,011		2,099		1,475		117,768		119,243
Unallocated		-		688		688		-		-		-
Total	$	88	$	10,440	$	10,528	$	11,866	$	767,566	$	779,432

Schedule of Changes in the allowance for unfunded loan commitments

	Year Ended March 31,
	2018		2017		2016
Beginning balance	$	388	$	324	$	259
Net change in allowance for unfunded loan commitments		92		64		65
Ending balance	$	480	$	388	$	324

Schedule of analysis of loans by aging category

March 31, 2018	30-89 Days Past Due		90 Days and Greater Past Due		Non-accrual		Total Past Due and Non- accrual		Current		Total Loans Receivable
Commercial business	$	7	$	-	$	178	$	185	$	137,487	$	137,672
Commercial real estate		-		-		1,200		1,200		449,397		450,597
Land		-		-		763		763		14,574		15,337
Multi-family		-		-		-		-		63,080		63,080
Real estate construction		-		-		-		-		39,584		39,584
Consumer		513		-		277		790		104,316		105,106
Total	$	520	$	-	$	2,418	$	2,938	$	808,438	$	811,376

March 31, 2017
Commercial business	$	13	$	-	$	294	$	307	$	107,064	$	107,371
Commercial real estate		-		-		1,342		1,342		445,729		447,071
Land		-		-		801		801		15,074		15,875
Multi-family		-		-		-		-		43,715		43,715
Real estate construction		-		-		-		-		46,157		46,157
Consumer		228		34		278		540		118,703		119,243
Total	$	241	$	34	$	2,715	$	2,990	$	776,442	$	779,432

Schedule of credit quality indicators

March 31, 2018	Pass		Special Mention		Substandard		Doubtful		Loss		Total Loans Receivable
Commercial business	$	132,309	$	1,976	$	3,387	$	-	$	-	$	137,672
Commercial real estate		440,123		7,489		2,985		-		-		450,597
Land		14,574		-		763		-		-		15,337
Multi-family		60,879		2,190		11		-		-		63,080
Real estate construction		39,584		-		-		-		-		39,584
Consumer		104,829		-		277		-		-		105,106
Total	$	792,298	$	11,655	$	7,423	$	-	$	-	$	811,376

March 31, 2017
Commercial business	$	102,113	$	2,063	$	3,195	$	-	$	-	$	107,371
Commercial real estate		430,923		10,426		5,722		-		-		447,071
Land		15,074		-		801		-		-		15,875
Multi-family		43,156		547		12		-		-		43,715
Real estate construction		46,157		-		-		-		-		46,157
Consumer		118,965		-		278		-		-		119,243
Total	$	756,388	$	13,036	$	10,008	$	-	$	-	$	779,432

Schedule of total and average recorded investment in impaired loans

March 31, 2018	Recorded Investment with No Specific Valuation Allowance		Recorded Investment with Specific Valuation Allowance		Total Recorded Investment		Unpaid Principal Balance		Related Specific Valuation Allowance
Commercial business	$	1,004	$	-	$	1,004	$	1,062	$	-
Commercial real estate		2,883		-		2,883		3,816		-
Land		763		-		763		790		-
Multi-family		1,644		-		1,644		1,765		-
Consumer		294		1,134		1,428		1,544		69
Total	$	6,588	$	1,134	$	7,722	$	8,977	$	69
March 31, 2017
Commercial business	$	294	$	-	$	294	$	301	$	-
Commercial real estate		7,604		-		7,604		8,806		-
Land		801		-		801		807		-
Multi-family		1,692		-		1,692		1,826		-
Consumer		306		1,169		1,475		1,611		88
Total	$	10,697	$	1,169	$	11,866	$	13,351	$	88

	Year ended March 31, 2018				Year ended March 31, 2017				Year ended March 31, 2016
	Average Recorded Investment		Interest Recognized on Impaired Loans		Average Recorded Investment		Interest Recognized on Impaired Loans		Average Recorded Investment		Interest Recognized on Impaired Loans
Commercial business	$	930	$	41	$	255	$	10	$	542	$	17
Commercial real estate		4,185		101		8,823		337		13,130		456
Land		781		-		801		-		801		-
Multi-family		1,668		90		1,710		93		1,842		99
Consumer		1,452		62		1,529		62		1,947		72
Total	$	9,016	$	294	$	13,118	$	502	$	18,262	$	644

Schedule of TDRs by interest accrual status

	March 31, 2018						March 31, 2017
	Accrual		Nonaccrual		Total		Accrual		Nonaccrual		Total
Commercial business	$	826	$	178	$	1,004	$	-	$	294	$	294
Commercial real estate		1,683		1,200		2,883		6,262		1,342		7,604
Land		-		763		763		-		801		801
Multi-family		1,644		-		1,644		1,692		-		1,692
Consumer		1,428		-		1,428		1,475		-		1,475
Total	$	5,581	$	2,141	$	7,722	$	9,429	$	2,437	$	11,866