Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Jun. 30, 2019
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 12,452	$ 9,322
Federal funds sold and interest-bearing deposits in financial institutions	92	139
Total cash and cash equivalents	12,544	9,461
Certificates of deposit in other financial institutions	11,908	1,983
Securities, available-for-sale	139,383	144,010
Securities, held-to-maturity (fair value of $3,792 at March 31, 2020 and $3,821 at June 30, 2019)	3,580	3,786
Federal bank and other restricted stocks, at cost	2,472	1,723
Loans held for sale	1,830	1,657
Total loans	467,804	369,175
Less allowance for loan losses	(4,468)	(3,788)
Net loans	463,336	365,387
Cash surrender value of life insurance	9,376	9,606
Premises and equipment, net	15,154	14,155
Goodwill	836
Core deposit intangible, net	263
Accrued interest receivable and other assets	2,595	2,168
Total assets	663,277	553,936
LIABILITIES
Noninterest-bearing demand	137,554	116,239
Interest bearing demand	84,273	81,469
Savings	212,613	162,261
Time	128,582	112,205
Total deposits	563,022	472,174
Short-term borrowings	6,386	3,686
Federal Home Loan Bank advances	27,079	22,700
Accrued interest and other liabilities	5,462	4,210
Total liabilities	601,949	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; 3,124,053 shares issued as of March 31, 2020 and 2,854,133 as of June 30, 2019)	19,974	14,656
Retained earnings	39,300	36,487
Treasury stock, at cost (108,475 and 120,288 common shares as of March 31, 2020 and June 30, 2019, respectively)	(1,454)	(1,543)
Accumulated other comprehensive income	3,508	1,566
Total shareholders’ equity	61,328	51,166
Total liabilities and shareholders’ equity	$ 663,277	$ 553,936