Loans (Tables)

3 Months Ended

Sep. 30, 2015

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

Major classifications of loans were as follows:

	September 30,		June 30,
	2015		2015
Commercial	$	36,890	$	32,155
Commercial real estate:
Construction		3,118		1,295
Other		142,702		143,680
1 – 4 Family residential real estate:
Owner occupied		30,353		30,027
Non-owner occupied		13,897		14,555
Construction		661		234
Consumer		6,667		6,965
Subtotal		234,288		228,911
Less: Net deferred loan fees		(374)		(392)
Allowance for loan losses		(2,514)		(2,432)
Net Loans	$	231,400	$	226,087

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, 2015:

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total

Allowance for loan losses:
Beginning balance	$	316	$	1,660	$	289	$	167	$	2,432
Provision for loan losses		71		70		(11)		(38)		92
Loans charged-off		—		(3)		—		(18)		(21)
Recoveries		—		—		—		11		11
Total ending allowance balance	$	387	$	1,727	$	278	$	122	$	2,514

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ending September 30, 2014:

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate		Consumer		Total
Allowance for loan losses:
Beginning balance	$	307	$	1,440	$	294	$	364	$	2,405
Provision for loan losses		(7)		15		27		32		67
Loans charged-off		—		—		(33)		(33)		(66)
Recoveries		—		—		1		12		13
Total ending allowance balance	$	300	$	1,455	$	289	$	375	$	2,419

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, 2015. Included in the recorded investment in loans is $506 of accrued interest receivable net of deferred loan fees of $374.

					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	$	—	$	164	$	56	$	—	$	220
Collectively evaluated for impairment		387		1,563		222		122		2,294
Total ending allowance balance	$	387	$	1,727	$	278	$	122	$	2,514

Recorded investment in loans:
Loans individually evaluated for impairment	$	—	$	3,332	$	1,080	$	—	$	4,412
Loans collectively evaluated for impairment		36,957		142,429		43,955		6,667		230,008
Total ending loans balance	$	36,957	$	145,761	$	45,035	$	6,667	$	234,420

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, 2015. Included in the recorded investment in loans is $501 of accrued interest receivable net of deferred loan fees of $392.

					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	$	—	$	58	$	12	$	—	$	70
Collectively evaluated for impairment		316		1,602		277		167		2,362
Total ending allowance balance	$	316	$	1,660	$	289	$	167	$	2,432

Recorded investment in loans:
Loans individually evaluated for impairment	$	—	$	2,786	$	615	$	—	$	3,401
Loans collectively evaluated for impairment		32,210		142,139		44,304		6,966		225,619
Total ending loans balance	$	32,210	$	144,925	$	44,919	$	6,966	$	229,020

Impaired Financing Receivables [Table Text Block]

The following table presents information related to average recorded investment and interest income associated with loans individually evaluated for impairment by class of loans as of September 30, 2015 and for the three months ended September 30, 2015:

	As of September 30, 2015						Three Months ended September 30, 2015
	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 real estate:
Construction	$	35	$	35	$	—	$	12	$	—	$	—
Other		2,394		2,117		—		2,059		—		—
1-4 Family residential real estate:
Owner occupied		301		267		—		267		—		—
Non-owner occupied		232		232		—		77		—		—
With an allowance recorded:
Commercial real estate:
Other		1,209		1,180		164		894		9		9
1-4 Family residential real estate:
Owner occupied		121		121		5		122		2		2
Non-owner occupied		511		460		51		458		4		4
Total	$	4,803	$	4,412	$	220	$	3,889	$	15	$	15

The following table presents information related to loans individually evaluated for impairment by class of loans as of June 30, 2015 and for the three months ended September 30, 2014:

	As of June 30, 2015						Three Months ended September 30, 2014
	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 real estate:
Other	$	2,432	$	2,082	$	—	$	1,350	$	—		—
1-4 Family residential real estate:
Owner occupied		58		35		—		120		—		—
With an allowance recorded:
Commercial real estate:
Other		740		704		58		766		9		9
1-4 Family residential real estate:
Owner occupied		122		123		4		126		2		2
Non-owner occupied		512		457		8		545		5		5
Total	$	3,864	$	3,401	$	70	$	2,907	$	16	$	16

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, 2015 and June 30, 2015:

	September 30, 2015				June 30, 2015
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial real estate:
Construction	$	35	$	—	$	—	$	—
Other		2,595		—		2,079		—
1 – 4 Family residential:
Owner occupied		366		—		190		—
Non-owner occupied		232		—		—		—
Consumer		16		—		—		—
Total	$	3,244	$	—	$	2,269	$	—

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, 2015 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	$	—	$	—	$	—	$	—	$	36,957	$	36,957
Commercial real estate:
Construction		—		—		—		—		3,093		3,093
Other		250		113		1,954		2,317		140,351		142,668
1-4 Family residential:
Owner occupied		80		112		206		398		30,073		30,471
Non-owner occupied		630		—		—		630		13,271		13,901
Construction		—		—		—		—		663		663
Consumer		44		1		16		61		6,606		6,667
Total	$	1,004	$	226	$	2,176	$	3,406	$	231,014	$	234,420

The above table of past due loans includes the recorded investment in non-accrual loans of $224 in the 60-89 days category, $2,176 in the 90 days or greater category and $844 in the loans not past due category.

The following table presents the aging of the recorded investment in past due loans as of June 30, 2015 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	$	—	$	25	$	—	$	25	$	32,185	$	32,210
Commercial real estate:
Construction		—		—		—		—		1,270		1,270
Other		62		—		30		92		143,563		143,655
1-4 Family residential:
Owner occupied		268		68		139		475		29,654		30,129
Non-owner occupied		—		8		—		8		14,547		14,555
Construction		—		—		—		—		235		235
Consumer		17		—		—		17		6,949		6,966
Total	$	347	$	101	$	169	$	617	$	228,403	$	229,020

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, 2015
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	31,302	$	5,035	$	95	$	—	$	525
Commercial real estate:
Construction		3,058		—		35		—		—
Other		132,333		3,776		2,786		2,004		1,769
1-4 Family residential real estate:
Owner occupied		3,744		—		—		34		26,693
Non-owner occupied		12,200		459		1,019		—		223
Construction		476		—		—		—		187
Consumer		—		—		—		—		6,667
Total	$	183,113	$	9,270	$	3,935	$	2,038	$	36,064

	As of June 30, 2015
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	27,359	$	4,030	$	96	$	—	$	725
Commercial real estate:
Construction		1,224		—		46		—		—
Other		133,452		4,473		2,876		2,032		822
1-4 Family residential real estate:
Owner occupied		4,029		—		—		35		26,065
Non-owner occupied		12,602		475		1,025		—		453
Construction		235		—		—		—		—
Consumer		—		—		—		—		6,966
Total	$	178,901	$	8,978	$	4,043	$	2,067	$	35,031