Note 3 - Loans (Tables)

9 Months Ended

Mar. 31, 2019

Notes Tables

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

	March 31, 2019			June 30, 2018
Commercial	$	69,706		$	60,995
Commercial real estate:
Construction		11,250			5,394
Other		192,899			183,383
1 – 4 Family residential real estate:
Owner occupied		52,844			47,433
Non-owner occupied		15,044			15,516
Construction		1,950			1,171
Consumer		3,995			4,873
Subtotal		347,688			318,765
Net Deferred loan fees and costs		(226	)		(256	)
Allowance for loan losses		(3,656	)		(3,422	)
Net Loans	$	343,806		$	315,087

Financing Receivable, Allowance for Credit Loss [Table Text Block]

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate		Consumer			Total
Allowance for loan losses:
Beginning balance	$	622	$	2,397		$	496	$	54		$	3,569
Provision for loan losses		—		102			5		(2	)		105
Loans charged-off		—		(25	)		—		(9	)		(34	)
Recoveries		—		7			2		7			16
Total ending allowance balance	$	622	$	2,481		$	503	$	50		$	3,656

						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		(591	)		(2	)		2			(555	)
Loans charged-off		—		(80	)		—			(30	)		(110	)
Recoveries		—		875			6			18			899
Total ending allowance balance	$	622	$	2,481		$	503		$	50		$	3,656

						1-4 Family
			Commercial			Residential
			Real			Real
	Commercial		Estate			Estate		Consumer			Total
Allowance for loan losses:
Beginning balance	$	555	$	2,144		$	461	$	65		$	3,225
Provision for loan losses		4		96			15		(15	)		100
Loans charged-off		—		(4	)		—		(11	)		(15	)
Recoveries		—		1			2		10			13
Total ending allowance balance	$	559	$	2,237		$	478	$	49		$	3,323

						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		39		178			35			(2	)		250
Loans charged-off		—		(4	)		(33	)		(19	)		(56	)
Recoveries		2		25			3			13			43
Total ending allowance balance	$	559	$	2,237		$	478		$	49		$	3,323

					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		2,474		503		50		3,649
Total ending allowance balance	$	622	$	2,481	$	503	$	50	$	3,656
Recorded investment in loans:
Loans individually evaluated for impairment	$	112	$	1,320	$	367	$	—	$	1,799
Loans collectively evaluated for impairment		69,694		202,868		69,977		3,996		346,535
Total ending loans balance	$	69,806	$	204,188	$	70,344	$	3,996	$	348,334

					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 March 31, 2019						Nine Months ended March 31, 2019
	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	$	112	$	—	$	100	$	5	$	5
Commercial real estate:
Other		1,315		1,097		—		1,176		28		28
1-4 Family residential real estate:
Owner occupied		126		95		—		98		—		—
Non-owner occupied		302		272		—		283		—		—
With an allowance recorded:
Commercial real estate:
Other		222		223		7		227		10		10
Total	$	2,077	$	1,799	$	7	$	1,884	$	43	$	43

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	116	$	2	$	2
Commercial real estate:
Other		1,019		9		9
1-4 Family residential real estate:
Owner occupied		96		—		—
Non-owner occupied		275		—		—
With an allowance recorded:
Commercial real estate:
Other		224		3		3
Total	$	1,730	$	14	$	14

	As of June 30, 2018						Nine Months ended March 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	$	100	$	100	$	—	$	119	$	5	$	5
Commercial real estate:
Other		1,330		1,330		—		1,082		24		24
1-4 Family residential real estate:
Owner occupied		101		101		—		61		—		—
Non-owner occupied		297		297		—		318		—		—
With an allowance recorded:
Commercial real estate:
Other		231		232		29		302		8		8
Total	$	2,059	$	2,060	$	29	$	1,882	$	37	$	37

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	122	$	2	$	2
Commercial real estate:
Other		1,131		8		8
1-4 Family residential real estate:
Owner occupied		23		—		—
Non-owner occupied		309		—		—
With an allowance recorded:
Commercial real estate:
Other		234		3		3
Total	$	1,819	$	13	$	13

Financing Receivable, Past Due [Table Text Block]

	March 31, 2019				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	$	458	$	—	$	702	$	—
1 – 4 Family residential:
Owner occupied		87		—		90		—
Non-owner occupied		272		—		298		—
Total	$	817	$	—	$	1,090	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	27	$	—	$	—	$	27	$	69,779	$	69,806
Commercial real estate:
Construction		—		—		—		—		11,236		11,236
Other		654		22		—		676		192,276		192,952
1-4 Family residential:
Owner occupied		15		—		80		95		53,228		53,323
Non-owner occupied		—		—		—		—		15,047		15,047
Construction		—		—		—		—		1,974		1,974
Consumer		1		—		—		1		3,995		3,996
Total	$	697	$	22	$	80	$	799	$	347,535	$	348,334

	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, Troubled Debt Restructuring [Table Text Block]

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial real estate:
Other		1	$	161	$	59
Total		1	$	161	$	59

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of March 31, 2019
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	63,208	$	5,215	$	1,037	$	—	$	346
Commercial real estate:
Construction		11,171		65		—		—		—
Other		177,340		7,132		6,232		458		1,790
1-4 Family residential real estate:
Owner occupied		2,248		89		25		7		50,954
Non-owner occupied		13,834		184		325		272		432
Construction		—		—		—		—		1,974
Consumer		27		—		—		—		3,969
Total	$	267,828	$	12,685	$	7,619	$	737	$	59,465

	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