CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2015	Jun. 30, 2015
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 7,143	$ 8,028
Federal funds sold and interest-bearing deposits in financial institutions	2,745	2,516
Total cash and cash equivalents	9,888	10,544
Certificates of deposit in other financial institutions	5,415	4,470
Securities, available-for-sale	137,267	137,144
Securities, held-to-maturity (fair value of $3,633 at December 31, 2015 and $3,722 at June 30, 2015)	3,530	3,655
Federal bank and other restricted stocks, at cost	1,396	1,396
Loans held for sale	285	462
Total loans	240,969	228,519
Less allowance for loan losses	(2,555)	(2,432)
Net loans	238,414	226,087
Cash surrender value of life insurance	6,721	6,626
Premises and equipment, net	13,317	11,605
Other real estate owned	38	0
Accrued interest receivable and other assets	1,952	1,978
Total assets	418,223	403,967
LIABILITIES
Non-interest bearing demand	96,084	86,651
Interest bearing demand	46,602	45,320
Savings	135,406	134,664
Time	64,575	66,361
Total deposits	342,667	332,996
Short-term borrowings	19,654	19,838
Federal Home Loan Bank advances	10,411	6,240
Accrued interest and other liabilities	3,071	3,427
Total liabilities	$ 375,803	$ 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 December 31, 2015 and June 30, 2015)	14,630	14,630
Retained earnings	28,305	27,589
Treasury stock, at cost (130,339 and 130,064 common shares as of December 31, 2015 and June 30, 2015, respectively)	(1,657)	(1,652)
Accumulated other comprehensive income	1,142	899
Total shareholders’ equity	42,420	41,466
Total liabilities and shareholders’ equity	$ 418,223	$ 403,967