Note 4 - Loans (Tables)

6 Months Ended

Dec. 31, 2019

Notes Tables

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

	December 31, 2019			June 30, 2019
Commercial	$	76,307		$	80,453
Commercial real estate:
Construction		16,226			16,120
Other		216,224			195,269
1 – 4 Family residential real estate:
Owner occupied		61,424			55,941
Non-owner occupied		15,101			14,517
Construction		4,730			1,931
Consumer		6,461			5,150
Subtotal		396,473			369,381
Net Deferred loan fees and costs		(80	)		(206	)
Allowance for loan losses		(4,095	)		(3,788	)
Net Loans	$	392,298		$	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	$	649	$	2,645	$	550	$	65		$	3,909
Provision for loan losses		117		6		64		(2	)		185
Loans charged-off		—		—		—		(7	)		(7	)
Recoveries		—		1		1		6			8
Total ending allowance balance	$	766	$	2,652	$	615	$	62		$	4,095

					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		106		75		120		14			315
Loans charged-off		—		—		—		(23	)		(23	)
Recoveries		—		2		1		12			15
Total ending allowance balance	$	766	$	2,652	$	615	$	62		$	4,095

						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:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2	$	7	$	—	$	—	$	9
Collectively evaluated for impairment		764		2,645		615		62		4,086
Total ending allowance balance	$	766	$	2,652	$	615	$	62	$	4,095
Recorded investment in loans:
Loans individually evaluated for impairment	$	163	$	638	$	258	$	—	$	1,059
Loans collectively evaluated for impairment		76,253		231,791		81,666		6,486		396,196
Total ending loans balance	$	76,416	$	232,429	$	81,924	$	6,486	$	397,255

					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 December 31, 2019						Six Months ended December 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 real estate:
Other	$	496		421	$	—	$	303	$	87	$	87
1-4 Family residential real estate:
Owner occupied		42		10		—		25		7		7
Non-owner occupied		290		248		—		254		—		—
With an allowance recorded:
Commercial real estate:
Other		215		217		7		219		6		6
Commercial		162		163		2		167		5		5
Total	$	1,205	$	1,059	$	9	$	968	$	105	$	105

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial real estate:
Other	$	244	$	1	$	1
1-4 Family residential real estate:
Owner occupied		10		—		—
Non-owner occupied		250		—		—
With an allowance recorded:
Commercial real estate:
Other		218		3		3
Commercial		165		2		2
Total	$	887	$	6	$	6

	As of June 30, 2019						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	$	—	$	—	$	—	$	92	$	3	$	3
Commercial real estate:
Other		580		436		—		1,255		19		19
1-4 Family residential real estate:
Owner occupied		124		93		—		98		—		—
Non-owner occupied		297		264		—		287		—		—
With an allowance recorded:
Commercial real estate:
Other		221		222		7		229		7		7
Commercial		173		174		2		—		—		—
Total	$	1,395	$	1,189	$	9	$	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

Financing Receivable, Past Due [Table Text Block]

	December 31, 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	$	176	$	191	$	436	$	—
1 – 4 Family residential:
Owner occupied		3		—		85		—
Non-owner occupied		248		—		264		—
Total	$	427	$	191	$	785	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	76,416	$	76,416
Commercial real estate:
Construction		—		—		—		—		16,205		16,205
Other		—		6		191		197		216,027		216,224
1-4 Family residential:
Owner occupied		342		3		—		345		61,670		62,015
Non-owner occupied		—		—		—		—		15,106		15,106
Construction		1		—		—		1		4,802		4,803
Consumer		14		—		—		14		6,472		6,486
Total	$	357	$	9	$	191	$	557	$	396,698	$	397,255

	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 December 31, 2019
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	71,131	$	552	$	4,450	$	—	$	283
Commercial real estate:
Construction		16,205		—		—		—		—
Other		202,871		7,376		4,574		176		1,227
1-4 Family residential real estate:
Owner occupied		2,049		—		22		3		59,941
Non-owner occupied		14,129		195		235		248		299
Construction		456		—		—		—		4,347
Consumer		17		—		—		—		6,469
Total	$	306,858	$	8,123	$	9,281	$	427	$	72,566

	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