Note 3 - Loans (Tables)

6 Months Ended

Dec. 31, 2018

Notes Tables

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

	December 31, 2018			June 30, 2018
Commercial	$	64,162		$	60,995
Commercial real estate:
Construction		6,303			5,394
Other		189,635			183,383
1 – 4 Family residential real estate:
Owner occupied		51,641			47,433
Non-owner occupied		14,613			15,516
Construction		2,426			1,171
Consumer		5,019			4,873
Subtotal		333,799			318,765
Net Deferred loan fees and costs		(237	)		(256	)
Allowance for loan losses		(3,569	)		(3,422	)
Net Loans	$	329,993		$	315,087

Allowance for Credit Losses on Financing Receivables [Table Text Block]

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total
Allowance for loan losses:
Beginning balance	$	602	$	2,378		$	507		$	51		$	3,538
Provision for loan losses		20		(793	)		(12	)		10			(775	)
Loans charged-off		—		(55	)		—			(14	)		(69	)
Recoveries		—		867			1			7			875
Total ending allowance balance	$	622	$	2,397		$	496		$	54		$	3,569

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate			Consumer			Total
Allowance for loan losses:
Beginning balance	$	586	$	2,277		$	499		$	60		$	3,422
Provision for loan losses		36		(693	)		(7	)		4			(660	)
Loans charged-off		—		(55	)		—			(21	)		(76	)
Recoveries		—		868			4			11			883
Total ending allowance balance	$	622	$	2,397		$	496		$	54		$	3,569

						1-4 Family
				Commercial		Residential
				Real		Real
	Commercial			Estate		Estate			Consumer			Total
Allowance for loan losses:
Beginning balance	$	572		$	2,081	$	473		$	68		$	3,194
Provision for loan losses		(17	)		57		20			—			60
Loans charged-off		—			—		(33	)		(5	)		(38	)
Recoveries		—			6		1			2			9
Total ending allowance balance	$	555		$	2,144	$	461		$	65		$	3,225

					1-4 Family
			Commercial		Residential
			Real		Real
	Commercial		Estate		Estate			Consumer			Total
Allowance for loan losses:
Beginning balance	$	518	$	2,038	$	473		$	57		$	3,086
Provision for loan losses		35		82		20			13			150
Loans charged-off		—		—		(33	)		(8	)		(41	)
Recoveries		2		24		1			3			30
Total ending allowance balance	$	555	$	2,144	$	461		$	65		$	3,225

					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	$	—	$	7	$	—	$	—	$	7
Collectively evaluated for impairment		622		2,390		496		54		3,562
Total ending allowance balance	$	622	$	2,397	$	496	$	54	$	3,569
Recorded investment in loans:
Loans individually evaluated for impairment	$	114	$	1,379	$	377	$	—	$	1,870
Loans collectively evaluated for impairment		64,120		194,547		68,785		5,024		332,476
Total ending loans balance	$	64,234	$	195,926	$	69,162	$	5,024	$	334,346

					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	$	—	$	29	$	—	$	—	$	29
Collectively evaluated for impairment		586		2,248		499		60		3,393
Total ending allowance balance	$	586	$	2,277	$	499	$	60	$	3,422
Recorded investment in loans:
Loans individually evaluated for impairment	$	100	$	1,562	$	398	$	—	$	2,060
Loans collectively evaluated for impairment		60,979		187,191		64,135		4,876		317,181
Total ending loans balance	$	61,079	$	188,753	$	64,533	$	4,876	$	319,241

Impaired Financing Receivables [Table Text Block]

	As of December 31, 2018						Six Months ended December 31, 2018
	Unpaid				Allowance for Loan		Average		Interest		Cash Basis
	Principal		Recorded		Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	112	$	114	$	—	$	92	$	3	$	3
Commercial real estate:
Other		1,340		1,153		—		1,255		19		19
1-4 Family residential real estate:
Owner occupied		127		97		—		98		—		—
Non-owner occupied		304		280		—		287		—		—
With an allowance recorded:
Commercial real estate:
Other		225		226		7		229		7		7
Total	$	2,108	$	1,870	$	7	$	1,961	$	29	$	29

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	113	$	2	$	2
Commercial real estate:
Other		1,140		8		8
1-4 Family residential real estate:
Owner occupied		97		—		—
Non-owner occupied		283		—		—
With an allowance recorded:
Commercial real estate:
Other		227		4		4
Total	$	1,860	$	14	$	14

	As of June 30, 2018						Six Months ended December 31, 2017
	Unpaid				Allowance for Loan		Average		Interest		Cash Basis
	Principal		Recorded		Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	100	$	100	$	—	$	117	$	3	$	3
Commercial real estate:
Other		1,330		1,330		—		1,057		16		16
1-4 Family residential real estate:
Owner occupied		101		101		—		80		—		—
Non-owner occupied		297		297		—		322		—		—
With an allowance recorded:
Commercial real estate:
Other		231		232		29		337		5		5
Total	$	2,059	$	2,060	$	29	$	1,913	$	24	$	24

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	120	$	1	$	1
Commercial real estate:
Other		1,061		6		6
1-4 Family residential real estate:
Owner occupied		318		—		—
Non-owner occupied		58		—		—
With an allowance recorded:
Commercial real estate:
Other		330		5		5
Total	$	1,887	$	12	$	12

Past Due Financing Receivables [Table Text Block]

	December 31, 2018				June 30, 2018
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial real estate:
Other	$	531	$	—	$	702	$	—
1 – 4 Family residential:
Owner occupied		88		—		90		—
Non-owner occupied		280		—		298		—
Total	$	899	$	—	$	1,090	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	64,234	$	64,234
Commercial real estate:
Construction		—		—		—		—		6,281		6,281
Other		—		26		104		130		189,515		189,645
1-4 Family residential:
Owner occupied		180		—		80		260		51,843		52,103
Non-owner occupied		—		—		—		—		14,611		14,611
Construction		—		—		—		—		2,448		2,448
Consumer		—		—		—		—		5,024		5,024
Total	$	180	$	26	$	184	$	390	$	333,956	$	334,346

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	61,079	$	61,079
Commercial real estate:
Construction		—		—		—		—		5,386		5,386
Other		238		—		—		238		183,129		183,367
1-4 Family residential:
Owner occupied		11		—		80		91		47,738		47,829
Non-owner occupied		—		—		—		—		15,514		15,514
Construction		—		—		—		—		1,190		1,190
Consumer		7		—		—		7		4,869		4,876
Total	$	256	$	—	$	80	$	336	$	318,905	$	319,241

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of December 31, 2018
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	62,251	$	525	$	1,054	$	—	$	404
Commercial real estate:
Construction		6,281		—		—		—		—
Other		174,444		11,507		2,048		531		1,115
1-4 Family residential real estate:
Owner occupied		2,490		92		25		8		49,488
Non-owner occupied		13,369		188		332		280		442
Construction		693		—		—		—		1,755
Consumer		43		—		—		—		4,981
Total	$	259,571	$	12,312	$	3,459	$	819	$	58,185

	As of June 30, 2018
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	59,214	$	288	$	1,162	$	—	$	415
Commercial real estate:
Construction		5,386		—		—		—		—
Other		172,471		7,061		1,878		702		1,255
1-4 Family residential real estate:
Owner occupied		2,577		—		27		11		45,214
Non-owner occupied		14,025		195		417		298		579
Construction		8		—		—		—		1,182
Consumer		93		—		—		—		4,783
Total	$	253,774	$	7,544	$	3,484	$	1,011	$	53,428