CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2015	Jun. 30, 2015
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 7,543	$ 8,028
Federal funds sold and interest-bearing deposits in financial institutions	6,105	2,516
Total cash and cash equivalents	13,648	10,544
Certificates of deposit in other financial institutions	5,913	4,470
Securities, available-for-sale	137,763	137,144
Securities, held-to-maturity (fair value of $3,712 at September 30, 2015 and $3,722 at June 30, 2015)	3,565	3,655
Federal bank and other restricted stocks, at cost	1,396	1,396
Loans held for sale	307	462
Total loans	233,914	228,519
Less allowance for loan losses	(2,514)	(2,432)
Net loans	231,400	226,087
Cash surrender value of life insurance	6,672	6,626
Premises and equipment, net	12,435	11,605
Other real estate owned	38	0
Accrued interest receivable and other assets	1,918	1,978
Total assets	415,055	403,967
LIABILITIES
Non-interest bearing demand	93,431	86,651
Interest bearing demand	46,661	45,320
Savings	135,801	134,664
Time	64,998	66,361
Total deposits	340,891	332,996
Short-term borrowings	22,229	19,838
Federal Home Loan Bank advances	6,225	6,240
Accrued interest and other liabilities	3,331	3,427
Total liabilities	$ 372,676	$ 362,501
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	$ 0	$ 0
Common stock (no par value, 3,500,000 shares authorized; 2,854,133 shares issued as of September 30, 2015 and June 30, 2015)	14,630	14,630
Retained earnings	27,992	27,589
Treasury stock, at cost (130,312 and 130,064 common shares as of September 30, 2015 and June 30, 2015, respectively)	(1,656)	(1,652)
Accumulated other comprehensive income	1,413	899
Total shareholders’ equity	42,379	41,466
Total liabilities and shareholders’ equity	$ 415,055	$ 403,967