Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Jun. 30, 2015
ASSETS:
Cash on hand and noninterest-bearing deposits in financial institutions	$ 8,164	$ 8,028
Federal funds sold and interest-bearing deposits in financial institutions	2,017	2,516
Total cash and cash equivalents	10,181	10,544
Certificate of deposits in financial institutions	5,906	4,470
Securities, available-for-sale	133,369	137,144
Securities, held-to-maturity (fair value 2016 $3,619 and 2015 $3,722)	3,494	3,655
Federal bank and other restricted stocks, at cost	1,396	1,396
Loans held for sale	1,048	462
Total loans	256,278	228,519
Less allowance for loan losses	(3,566)	(2,432)
Net loans	252,712	226,087
Cash surrender value of life insurance	6,819	6,626
Premises and equipment, net	13,585	11,605
Accrued interest receivable and other assets	1,880	1,978
Total assets	430,390	403,967
LIABILITIES:
Non-interest bearing demand	98,224	86,651
Interest bearing demand	48,810	45,320
Savings	134,606	134,664
Time	65,008	66,361
Total deposits	346,648	332,996
Short-term borrowings	19,129	19,838
Federal Home Loan Bank advances	17,281	6,240
Accrued interest payable and other liabilities	3,539	3,427
Total liabilities	386,597	362,501
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value; 350,000 shares authorized
Common shares, no par value; 3,500,000 shares authorized; 2,854,133 shares issued as of June 30, 2016 and 2015	14,630	14,630
Retained earnings	28,432	27,589
Treasury stock, at cost (130,375 and 130,064 common shares at June 30, 2016 and 2015, respectively)	(1,658)	(1,652)
Accumulated other comprehensive income	2,389	899
Total shareholders’ equity	43,793	41,466
Total liabilities and shareholders’ equity	$ 430,390	$ 403,967