CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2016	Jun. 30, 2015
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 7,761	$ 8,028
Federal funds sold and interest-bearing deposits in financial institutions	6,377	2,516
Total cash and cash equivalents	14,138	10,544
Certificates of deposit in other financial institutions	5,170	4,470
Securities, available-for-sale	135,127	137,144
Securities, held-to-maturity (fair value of $3,651 at March 31, 2016 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	746	462
Total loans	246,194	228,519
Less allowance for loan losses	(2,663)	(2,432)
Net loans	243,531	226,087
Cash surrender value of life insurance	6,770	6,626
Premises and equipment, net	13,504	11,605
Other real estate owned	38	0
Accrued interest receivable and other assets	1,923	1,978
Total assets	425,873	403,967
LIABILITIES
Non-interest bearing demand	95,039	86,651
Interest bearing demand	48,269	45,320
Savings	137,462	134,664
Time	65,539	66,361
Total deposits	346,309	332,996
Short-term borrowings	24,573	19,838
Federal Home Loan Bank advances	7,696	6,240
Accrued interest and other liabilities	3,702	3,427
Total liabilities	$ 382,280	$ 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 March 31, 2016 and June 30, 2015)	14,630	14,630
Retained earnings	28,686	27,589
Treasury stock, at cost (130,369 and 130,064 common shares as of March 31, 2016 and June 30, 2015, respectively)	(1,658)	(1,652)
Accumulated other comprehensive income	1,935	899
Total shareholders’ equity	43,593	41,466
Total liabilities and shareholders’ equity	$ 425,873	$ 403,967