Consolidated Statements of Cash Flows $ in Thousands	6 Months Ended
	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net loss	$ (2,189)	$ (3,047)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	8	54
Stock based compensation expense	2	32
Depreciation and amortization expense	446	367
Gain on sale of real estate owned, net of market value adjustment	(208)	(93)
Gain on sale of loans, net	(25)	23
Gain on sale of building	0	(308)
Amortization and accretion of loan premiums and discounts and deferred charges	253	163
Amortization and accretion of premiums and discounts — securities	456	229
(Increase) decrease in accrued interest receivable	(46)	27
Decrease (increase) in other assets	2,741	(408)
Increase in other liabilities	117	346
Net cash provided by (used in) operating activities	1,555	(2,615)
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of investments: Available-for-sale	0	(47,629)
Proceeds from principal payments, maturities and calls of investments: Available-for-sale	5,342	5,328
Proceeds from principal payments, maturities and calls of investments: Held-to-maturity	438	508
Originations of loans held-for-investment, net of repayments	15,724	45,806
Loans purchased from third parties	20,902	0
Proceeds on sale of loans	602	232
(Purchase) redemption of FHLB-NY stock, net	(542)	1,202
Purchase of premises and equipment	(801)	(2,460)
Proceeds from sales of real estate owned	511	1,105
Net cash provided by investing activities	372	4,092
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(7,075)	(50,506)
Net increase (decrease) in FHLB-NY advances and other borrowings	12,149	(25,000)
Net cash provided by (used in) financing activities	5,074	(75,506)
Net increase (decrease) in cash and cash equivalents	7,001	(74,029)
Cash and cash equivalents at beginning of period	31,228	134,558
Cash and cash equivalents at end of period	38,229	60,529
Noncash financing and investing activities
Transfers to real estate owned	0	142
Recognition of right-of-use asset	19,951
Recognition of lease liability	153
Recognition of operating lease liability	19,254
Recognition of finance lease asset	163
Cash paid for:
Interest	2,385	2,500
Income taxes	$ 32	$ 31