Note 4 - Loans (Tables)

3 Months Ended

Sep. 30, 2019

Notes Tables

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

	September 30, 2019			June 30, 2019
Commercial	$	81,782		$	80,453
Commercial real estate:
Construction		14,583			16,120
Other		205,214			195,269
1 – 4 Family residential real estate:
Owner occupied		58,406			55,941
Non-owner occupied		14,936			14,517
Construction		3,115			1,931
Consumer		5,912			5,150
Subtotal		383,948			369,381
Net Deferred loan fees and costs		(128	)		(206	)
Allowance for loan losses		(3,909	)		(3,788	)
Net Loans	$	379,911		$	365,387

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	$	660		$	2,575	$	494	$	59		$	3,788
Provision for loan losses		(11	)		69		56		16			130
Loans charged-off		—			—		—		(16	)		(16	)
Recoveries		—			1		—		6			7
Total ending allowance balance	$	649		$	2,645	$	550	$	65		$	3,909

					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		16		100		5		(6	)		115
Loans charged-off		—		—		—		(7	)		(7	)
Recoveries		—		1		3		4			8
Total ending allowance balance	$	602	$	2,378	$	507	$	51		$	3,538

					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	$	2	$	7	$	—	$	—	$	9
Collectively evaluated for impairment		647		2,638		550		65		3,900
Total ending allowance balance	$	649	$	2,645	$	550	$	65	$	3,909
Recorded investment in loans:
Loans individually evaluated for impairment	$	167	$	460	$	266	$	—	$	893
Loans collectively evaluated for impairment		81,639		219,298		76,822		5,932		383,691
Total ending loans balance	$	81,806	$	219,758	$	77,088	$	5,932	$	384,584

					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	$	2	$	7	$	—	$	—	$	9
Collectively evaluated for impairment		658		2,568		494		59		3,779
Total ending allowance balance	$	660	$	2,575	$	494	$	59	$	3,788
Recorded investment in loans:
Loans individually evaluated for impairment	$	174	$	658	$	357	$	—	$	1,189
Loans collectively evaluated for impairment		80,413		210,709		72,591		5,164		368,877
Total ending loans balance	$	80,587	$	211,367	$	72,948	$	5,164	$	370,066

Impaired Financing Receivables [Table Text Block]

	As of September 30, 2019						Three Months ended September 30, 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 real estate:
Other	$	316		240	$	—	$	362	$	86	$	86
1-4 Family residential real estate:
Owner occupied		43		12		—		39		7		7
Non-owner occupied		292		255		—		257		—		—
With an allowance recorded:
Commercial real estate:
Other		218		220		7		220		3		3
Commercial		167		169		2		170		3		3
Total	$	1,036	$	896	$	9	$	1,048	$	99	$	99

	As of June 30, 2019						Three Months ended September 30, 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	$	—	$	—	$	—	$	71	$	1	$	1
Commercial real estate:
Other		580		436		—		1,369		11		11
1-4 Family residential real estate:
Owner occupied		124		93		—		99		—		—
Non-owner occupied		297		264		—		292		—		—
With an allowance recorded:
Commercial real estate:
Other		221		222		7		231		3		3
Commercial		173		174		2		—		—		—
Total	$	1,395	$	1,189	$	9	$	2,062	$	15	$	15

Financing Receivable, Past Due [Table Text Block]

	September 30, 2019				June 30, 2019
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial real estate:
Other	$	185	$	—	$	436	$	—
1 – 4 Family residential:
Owner occupied		5		—		85		—
Non-owner occupied		254		—		264		—
Total	$	444	$	—	$	785	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	81,806	$	81,806
Commercial real estate:
Construction		—		—		—		—		14,540		14,540
Other		—		8		—		8		205,210		205,218
1-4 Family residential:
Owner occupied		—		5		—		5		58,974		58,979
Non-owner occupied		—		—		—		—		14,936		14,936
Construction		—		—		—		—		3,173		3,173
Consumer		16		—		—		16		5,916		5,932
Total	$	16	$	13	$	—	$	29	$	384,555	$	384,584

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	80,587	$	80,587
Commercial real estate:
Construction		—		—		—		—		16,075		16,075
Other		199		—		—		199		195,093		195,292
1-4 Family residential:
Owner occupied		40		—		80		120		56,347		56,467
Non-owner occupied		—		—		—		—		14,518		14,518
Construction		—		—		—		—		1,963		1,963
Consumer		1		—		—		1		5,163		5,164
Total	$	240	$	—	$	80	$	320	$	369,746	$	370,066

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of September 30, 2019
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	76,118	$	4,448	$	959	$	—	$	281
Commercial real estate:
Construction		14,540		—		—		—		—
Other		191,044		6,741		5,308		185		1,940
1-4 Family residential real estate:
Owner occupied		2,192		—		23		4		56,760
Non-owner occupied		13,823		200		311		255		347
Construction		105		—		—		—		3,068
Consumer		24		—		—		—		5,908
Total	$	297,846	$	11,389	$	6,601	$	444	$	68,304

	As of June 30, 2019
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	74,393	$	4,942	$	1,012	$	—	$	240
Commercial real estate:
Construction		16,075		—		—		—		—
Other		179,952		8,071		5,337		436		1,496
1-4 Family residential real estate:
Owner occupied		2,245		—		24		5		54,193
Non-owner occupied		13,413		205		318		263		319
Construction		—		—		—		—		1,963
Consumer		32		—		—		—		5,132
Total	$	286,110	$	13,218	$	6,691	$	704	$	63,343