Loans (Tables)

3 Months Ended

Sep. 30, 2013

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Major classifications of loans were as follows:

	September 30,		June 30,
	2013		2013
Commercial	$	27,314	$	26,678
Commercial real estate:
Construction		1,651		2,096
Other		125,228		125,630
1 – 4 Family residential real estate:
Owner occupied		31,712		32,755
Non-owner occupied		18,903		17,941
Construction		680		377
Consumer		11,253		11,866
Subtotal		216,741		217,343
Less: Net deferred loan fees		(336)		(303)
Allowance for loan losses		(2,486)		(2,496)
Net Loans	$	213,919	$	214,544

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ending September 30, 2013:

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Beginning balance	$	161	$	1,471	$	614	$	250	$	2,496
Provision for loan losses		(11)		28		(60)		176		133
Loans charged-off		—		—		(61)		(99)		(160)
Recoveries		—		—		7		10		17
Total ending allowance balance	$	150	$	1,499	$	500	$	337	$	2,486

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ending September 30 2012:

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Beginning balance	$	143	$	1,283	$	712	$	197	$	2,335
Provision for loan losses		6		(8)		(20)		47		25
Loans charged-off		(4)		—		(15)		(19)		(38)
Recoveries		—		—		—		16		16
Total ending allowance balance	$	145	$	1,275	$	677	$	241	$	2,338

Loans Evaluated For Impairment [Table Text Block]

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2013. Included in the recorded investment in loans is $476 of accrued interest receivable net of deferred loan fees of $336.

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	118	$	156	$	—	$	274
Collectively evaluated for impairment		150		1,381		344		337		2,212
Total ending allowance balance	$	150	$	1,499	$	500	$	337	$	2,486

Recorded investment in loans:
Loans individually evaluated for impairment	$	4	$	2,273	$	1,381	$	—	$	3,658
Loans collectively evaluated for impairment		27,375		124,561		49,994		11,293		213,223
Total ending loans balance	$	27,379	$	126,834	$	51,375	$	11,293	$	216,881

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2013. Included in the recorded investment in loans is $546 of accrued interest receivable net of deferred loan fees of $303.

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3	$	89	$	243	$	—	$	335
Collectively evaluated for impairment		158		1,382		371		250		2,161
Total ending allowance balance	$	161	$	1,471	$	614	$	250	$	2,496

Recorded investment in loans:
Loans individually evaluated for impairment	$	51	$	865	$	1,396	$	—	$	2,312
Loans collectively evaluated for impairment		26,683		126,881		49,780		11,930		215,274
Total ending loans balance	$	26,734	$	127,746	$	51,176	$	11,930	$	217,586

Impaired Financing Receivables [Table Text Block]

The following table presents information related to loans individually evaluated for impairment by class of loans as of and for the three months ended September 30, 2013:

	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	4	$	4	$	—	$	4	$	—	$	—
Commercial real estate:
Other		1,487		1,481		—		537		—		—
1-4 Family residential real estate:
Owner occupied		124		124		—		124		—		—
Non-owner occupied		141		141		—		142		1		1
With an allowance recorded:
Commercial		—		—		—		31		3		3
Commercial real estate:
Other		789		792		118		791		5		5
1-4 Family residential real estate:
Owner occupied		282		280		36		280		—		—
Non-owner occupied		835		836		120		839		6		6
Total	$	3,662	$	3,658	$	274	$	2,748	$	15	$	15

The following table presents information related to loans individually evaluated for impairment by class of loans as of June 30, 2013 and for the three months ended September 30, 2012:

	As of June 30, 2013						Three Months ended September 30, 2012
	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—	$	11	$	—	$	—
Commercial real estate:
Other		65		65		—		103		—		—
1-4 Family residential real estate:
Owner occupied		125		125		—		81		—		—
Non-owner occupied		56		56		—		57		1		1
With an allowance recorded:
Commercial		51		51		3		122		—		—
Commercial real estate:
Other		793		800		89		863		2		2
1-4 Family residential real estate:
Owner occupied		283		281		56		314		—		—
Non-owner occupied		933		934		187		946		6		9
Total	$	2,306	$	2,312	$	335	$	2,497	$	9	$	9

Investment In Non-Accrual and Loans Past Due Over 90 Days [Table Text Block]

The following table presents the recorded investment in non-accrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2013 and June 30, 2013:

	September 30, 2013				June 30, 2013
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	—	$	—	$	46	$	—
Commercial real estate:
Other		1,501		—		86		—
1 – 4 Family residential:
Owner occupied		314		—		295		—
Non-owner occupied		631		—		663		—
Consumer		—		—		7		—
Total	$	2,446	$	—	$	1,097	$	—

Past Due Financing Receivables [Table Text Block]

The following table presents the aging of the recorded investment in past due loans as of September 30, 2013 by class of loans:

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	17	$	—	$	17	$	27,362	$	27,379
Commercial real estate:
Construction		—		—		—		—		1,628		1,628
Other		—		1,417		—		1,417		123,789		125,206
1-4 Family residential:
Owner occupied		27		68		271		366		31,439		31,805
Non-owner occupied		—		—		64		64		18,826		18,890
Construction		—		—		—		—		680		680
Consumer		75		3		—		78		11,215		11,293
Total	$	102	$	1,505	$	335	$	1,942	$	214,939	$	216,881

The following table presents the aging of the recorded investment in past due loans as of June 30, 2013 by class of loans:

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	46	$	46	$	26,688	$	26,674
Commercial real estate:
Construction		—		—		—		—		2,088		2,088
Other		1,158		—		—		1,158		124,500		125,658
1-4 Family residential:
Owner occupied		245		—		252		497		32,365		32,862
Non-owner occupied		—		—		84		84		17,854		17,938
Construction		—		—		—		—		376		376
Consumer		72		35		2		109		11,821		11,930
Total	$	1,475	$	8	$	384	$	1,894	$	215,692	$	217,586

Schedule Of Financing Receivable Modifications Loans By Troubled Debt Restructurings [Table Text Block]

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within 12 months following the modification during the period ending September 30, 2012:

	Number of		Recorded
	Loans		Investment
Troubled debt restructuring:
Commercial real estate:
Other		1	$	428

Financing Receivable Credit Quality Indicators [Table Text Block]

Based on the most recent analysis performed, the recorded investment by risk category of loans by class of loans was as follows:

	As of September 30, 2013
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	24,660	$	1,225	$	97	$	4	$	1,393
Commercial real estate:
Construction		1,559		69		—		—		—
Other		114,594		4,287		3,465		2,273		587
1-4 Family residential real estate:
Owner occupied		3,585		—		—		404		27,816
Non-owner occupied		15,538		1,883		351		977		141
Construction		240		—		—		—		440
Consumer		—		—		—		—		11,293
Total	$	160,176	$	7,464	$	3,913	$	3,658	$	41,670

	As of June 30, 2013
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	23,886	$	1,236	$	224	$	51	$	1,337
Commercial real estate:
Construction		2,003		85		—		—		—
Other		15,269		4,439		4,073		865		1,012
1-4 Family residential real estate:
Owner occupied		4,083		—		—		406		28,373
Non-owner occupied		14,443		1,104		995		990		406
Construction		243		—		—		—		133
Consumer		—		—		—		—		11,930
Total	$	159,927	$	6,864	$	5,292	$	2,312	$	43,191