Note 4 - Loans (Tables)

9 Months Ended

Mar. 31, 2020

Notes Tables

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

	March 31, 2020			June 30, 2019
Commercial	$	85,848		$	80,453
Commercial real estate:
Construction		16,673			16,120
Other		229,329			195,269
1 – 4 Family residential real estate:
Owner occupied		87,631			55,941
Non-owner occupied		19,391			14,517
Construction		7,417			1,931
Consumer		21,563			5,150
Subtotal		467,852			369,381
Net Deferred loan fees and costs		(48	)		(206	)
Allowance for loan losses		(4,468	)		(3,788	)
Net Loans	$	463,336		$	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	$	766	$	2,652	$	615	$	62		$	4,095
Provision for loan losses		25		203		116		101			445
Loans charged-off		—		—		—		(91	)		(91	)
Recoveries		—		1		1		17			19
Total ending allowance balance	$	791	$	2,856	$	732	$	89		$	4,468

					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		131		278		236		115			760
Loans charged-off		—		—		—		(114	)		(114	)
Recoveries		—		3		2		29			34
Total ending allowance balance	$	791	$	2,856	$	732	$	89		$	4,468

						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:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1	$	8	$	—	$	—	$	9
Acquired loans collectively evaluated for impairment		—		13		37		—		50
Originated loans collectively evaluated for impairment		790		2,835		695		89		4,409
Total ending allowance balance	$	791	$	2,856	$	732	$	89	$	4,468
Recorded investment in loans:
Loans individually evaluated for impairment	$	177	$	1,063	$	284	$	—	$	1,524
Acquired loans collectively evaluated for impairment		1,527		9,462		27,562		13,519		52,070
Originated loans collectively evaluated for impairment		84,275		235,513		87,363		8,104		415,255
Total ending loans balance	$	85,979	$	246,038	$	115,209	$	21,623	$	468,849

					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 March 31, 2020						Nine Months ended March 31, 2020
	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	$	21	$	21	$	—	$	5	$	—	$	—
Commercial real estate:
Other		933		846		—		415		88		88
1-4 Family residential real estate:
Owner occupied		79		42		—		27		7		7
Non-owner occupied		288		242		—		251		—		—
With an allowance recorded:
Commercial		155		156		1		164		7		7
Commercial real estate:
Other		214		217		8		218		10		10
Total	$	1,690	$	1,524	$	9	$	1,080	$	112	$	112

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	14	$	—	$	—
Commercial real estate:
Other		641		1		1
1-4 Family residential real estate:
Owner occupied		31		—		—
Non-owner occupied		244		—		—
With an allowance recorded:
Commercial		158		2		2
Commercial real estate:
Other		216		4		4
Total	$	1,304	$	7	$	7

	As of June 30, 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	$	—	$	—	$	—	$	100	$	5	$	5
Commercial real estate:
Other		580		436		—		1,176		28		28
1-4 Family residential real estate:
Owner occupied		124		93		—		98		—		—
Non-owner occupied		297		264		—		283		—		—
With an allowance recorded:
Commercial real estate:
Other		221		222		7		227		10		10
Commercial		173		174		2		—		—		—
Total	$	1,395	$	1,189	$	9	$	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

Financing Receivable, Past Due [Table Text Block]

	March 31, 2020				June 30, 2019
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	22	$	—	$	—	$	—
Commercial real estate:
Other		797		—		436		—
1 – 4 Family residential:
Owner occupied		36		—		85		—
Non-owner occupied		242		—		264		—
Consumer		—		13		—		—
Total	$	1,097	$	13	$	785	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	21	$	—	$	21	$	85,958	$	85,979
Commercial real estate:
Construction		—		—		—		—		16,656		16,656
Other		1,126		4		628		1,758		227,624		229,382
1-4 Family residential:
Owner occupied		722		15		35		772		87,538		88,310
Non-owner occupied		—		—		—		—		19,402		19,402
Construction		—		—		—		—		7,497		7,497
Consumer		248		62		13		323		21,300		21,623
Total	$	2,096	$	102	$	676	$	2,874	$	465,975	$	468,849

	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, Troubled Debt Restructuring [Table Text Block]

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

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of March 31, 2020
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	81,123	$	186	$	4,348	$	21	$	301
Commercial real estate:
Construction		16,656		—		—		—		—
Other		219,075		2,573		5,205		797		1,732
1-4 Family residential real estate:
Owner occupied		1,971		—		334		2		86,003
Non-owner occupied		18,444		190		229		242		297
Construction		1,683		—		—		—		5,814
Consumer		76		—		—		—		21,547
Total	$	339,028	$	2,949	$	10,116	$	1,062	$	115,694

	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