Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Dec. 31, 2019	Jun. 30, 2019
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 12,586	$ 9,322
Federal funds sold and interest-bearing deposits in financial institutions	1,442	139
Total cash and cash equivalents	14,028	9,461
Certificates of deposit in other financial institutions	994	1,983
Securities, available-for-sale	133,082	144,010
Securities, held-to-maturity (fair value of $3,859 at December 31, 2019 and $3,821 at June 30, 2019)	3,580	3,786
Federal bank and other restricted stocks, at cost	1,723	1,723
Loans held for sale	3,220	1,657
Total loans	396,393	369,175
Less allowance for loan losses	(4,095)	(3,788)
Net loans	392,298	365,387
Cash surrender value of life insurance	9,311	9,606
Premises and equipment, net	14,422	14,155
Accrued interest receivable and other assets	1,914	2,168
Total assets	574,572	553,936
LIABILITIES
Noninterest-bearing demand	121,061	116,239
Interest bearing demand	79,008	81,469
Savings	175,465	162,261
Time	112,111	112,205
Total deposits	487,645	472,174
Short-term borrowings	3,870	3,686
Federal Home Loan Bank advances	24,300	22,700
Accrued interest and other liabilities	4,721	4,210
Total liabilities	520,536	502,770
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 2,854,133 shares issued as of December 31, 2019 and June 30, 2019)	14,697	14,656
Retained earnings	38,691	36,487
Treasury stock, at cost (108,475 and 120,288 common shares as of December 31, 2019 and June 30, 2019, respectively)	(1,454)	(1,543)
Accumulated other comprehensive income	2,102	1,566
Total shareholders’ equity	54,036	51,166
Total liabilities and shareholders’ equity	$ 574,572	$ 553,936