Consolidated Statements of Cash Flows	6 Months Ended
	Sep. 30, 2020 USD ($)	Sep. 30, 2019 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net loss	$ (1,621,000)	$ (2,189,000)
Adjustments to reconcile net income to net cash provided by operating activities:
(Recovery of) provision for loan losses	(103,000)	8,000
Stock based compensation expense	34,000	2,000
Depreciation and amortization expense	519,000	446,000
Gain on sale of real estate owned, net of market value adjustment	(80,000)	(208,000)
Gain on sale of securities	(862,000)	0
Gain on sale of loans, net	0	(25,000)
Amortization and accretion of loan premiums and discounts and deferred charges	358,000	253,000
Amortization and accretion of premiums and discounts — securities	274,000	456,000
Increase in accrued interest receivable	(513,000)	(46,000)
Decrease in other assets	441,000	2,741,000
Increase in other liabilities	1,580,000	117,000
Net cash provided by operating activities	27,000	1,555,000
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of investments: Available-for-sale	(58,861,000)	0
Proceeds from Sale of Available-for-sale Securities	30,190,000	0
Proceeds from principal payments, maturities and calls of investments: Available-for-sale	7,002,000	5,342,000
Proceeds from principal payments, maturities and calls of investments: Held-to-maturity	630,000	438,000
Repayments and maturities, net of originations of loans	(24,183,000)
Repayments and maturities, net of originations of loans held-for-investment		(15,724,000)
Loans purchased from third parties	(11,767,000)	(20,902,000)
Proceeds on sale of loans	0	602,000
Redemption of FHLB-NY stock, net	16,000	(542,000)
Purchase of premises and equipment	(145,000)	(801,000)
Proceeds from sales of real estate owned	260,000	511,000
Net cash (used in) provided by investing activities	(56,858,000)	372,000
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	51,931,000	(7,075,000)
Net increase in FHLB-NY advances and other borrowings	28,293,000	12,149,000
Contributed Capital	2,500,000
Repurchase of Common Stock	(2,500,000)
Net cash provided by financing activities	80,224,000	5,074,000
Net increase in cash and cash equivalents	23,393,000	7,001,000
Cash and cash equivalents at beginning of period	47,540,000	31,228,000
Cash and cash equivalents at end of period	70,933,000	38,229,000
Noncash financing and investing activities
Securities purchased not yet paid for	15,614,000
Recognition of right-of-use asset		19,951,000
Recognition of operating lease liability	17,116,000
Recognition of finance lease asset	13,000	163,000
Recognition of finance lease liability	13,000	153,000
Cash paid for:
Interest	2,160,000	2,385,000
Income taxes	$ 36,000	$ 32,000