CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)		3 Months Ended
		Jun. 30, 2021	Jun. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income		$ 5,755,000	$ 480,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		864,000	732,000
Purchased loans amortization, net		32,000	95,000
Provision for (recapture of) loan losses		(1,600,000)	4,500,000
Stock-based compensation expense		55,000	40,000
Increase (decrease) in deferred loan origination fees, net of amortization		(684,000)	2,987,000
Origination of loans held for sale			(913,000)
Proceeds from sales of loans held for sale			1,214,000
Net gains (loss) on loans held for sale and sales of premises and equipment		8,000	(28,000)
Income from BOLI	[1]	(190,000)	(190,000)
BOLI death benefit in excess of cash surrender value		(479,000)
Changes in certain other assets and liabilities:
Prepaid expenses and other assets		1,557,000	(842,000)
Accrued interest receivable		296,000	(1,498,000)
Accrued expenses and other liabilities		(4,430,000)	(1,039,000)
Net cash provided by operating activities		1,184,000	5,538,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Loan repayment (originations), net		54,480,000	(91,351,000)
Purchases of loans receivable		(60,000)	(2,989,000)
Principal repayments on investment securities available for sale		13,842,000	8,065,000
Purchases of investment securities available for sale		(65,246,000)
Proceeds from calls of investment securities available for sale			3,000,000
Principal repayments on investment securities held to maturity		295,000	2,000
Purchases of premises and equipment and capitalized software		(480,000)	(847,000)
Purchases of FHLB stock, net			(1,200,000)
Net cash provided by (used in) investing activities		2,831,000	(85,320,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits		66,906,000	168,301,000
Dividends paid		(1,118,000)	(1,133,000)
Proceeds from borrowings			30,000,000
Net increase (decrease) in advance payments by borrowers for taxes and insurance		34,000	(71,000)
Principal payments on finance lease liability		(11,000)	(10,000)
Proceeds from exercise of stock options			9,000
Repurchase of common stock		(493,000)	(1,447,000)
Net cash provided by financing activities		65,318,000	195,649,000
NET INCREASE IN CASH AND CASH EQUIVALENTS		69,333,000	115,867,000
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD		265,408,000	41,968,000
CASH AND CASH EQUIVALENTS, END OF PERIOD		334,741,000	157,835,000
Cash paid during the period for:
Interest		575,000	1,001,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Dividends declared and accrued in other liabilities		1,114,000	1,112,000
Net unrealized holding gain from available for sale investment securities		1,551,000	872,000
Income tax effect related to other comprehensive income		$ (372,000)	(209,000)
ROU lease assets obtained in exchange for operating lease liabilities			$ 785,000

[1] Not within scope of ASC 606