Note 4 - Loans (Tables)

3 Months Ended

Sep. 30, 2020

Notes Tables

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

	September 30, 2020			June 30, 2020
Commercial	$	176,838		$	158,667
Commercial real estate:
Construction		8,809			16,235
Other		239,613			229,029
1 – 4 Family residential real estate:
Owner occupied		90,311			90,494
Non-owner occupied		19,907			19,370
Construction		5,860			9,344
Consumer		21,765			21,334
Subtotal		563,103			544,473
Net Deferred loan fees and costs		(965	)		(1,612	)
Allowance for loan losses		(5,767	)		(5,678	)
Net Loans	$	556,371		$	537,183

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	$	947		$	3,623	$	989	$	119		$	5,678
Provision for loan losses		15			70		8		37			130
Loans charged-off		(22	)		—		—		(44	)		(66	)
Recoveries		—			1		—		24			25
Total ending allowance balance	$	940		$	3,694	$	997	$	136		$	5,767

						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:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3	$	5	$	—	$	—	$	8
Acquired loans collectively evaluated for impairment		—		103		89		—		192
Originated loans collectively evaluated for impairment		937		3,586		908		136		5,567
Total ending allowance balance	$	940	$	3,694	$	997	$	136	$	5,767
Recorded investment in loans:
Loans individually evaluated for impairment	$	154	$	1,031	$	914	$	—	$	2,099
Acquired loans collectively evaluated for impairment		882		8,097		25,553		10,892		45,424
Originated loans collectively evaluated for impairment		175,283		239,667		90,513		10,911		516,374
Total ending loans balance	$	176,319	$	248,795	$	116,980	$	21,803	$	563,897

					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	$	28	$	6	$	—	$	—	$	34
Acquired loans collectively evaluated for impairment		—		103		94		—		197
Originated loans collectively evaluated for impairment		919		3,514		895		119		5,447
Total ending allowance balance	$	947	$	3,623	$	989	$	119	$	5,678
Recorded investment in loans:
Loans individually evaluated for impairment	$	179	$	1,045	$	699	$	—	$	1,923
Acquired loans collectively evaluated for impairment		1,095		8,072		27,252		12,550		48,969
Originated loans collectively evaluated for impairment		156,054		236,840		92,168		8,843		493,905
Total ending loans balance	$	157,328	$	245,957	$	120,119	$	21,393	$	544,797

Impaired Financing Receivables [Table Text Block]

	As of September 30, 2020						Three Months ended September 30, 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 real estate:
Other	$	913	$	825	$	—	$	826	$	1	$	1
1-4 Family residential real estate:
Owner occupied		830		689		—		539		6		6
Non-owner occupied		279		225		—		229		—		—
With an allowance recorded:
Commercial		152		154		3		171		2		2
Commercial real estate:
Other		205		206		5		206		3		3
Total	$	2,379	$	2,099	$	8	$	1,971	$	12	$	12

	As of June 30, 2020						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	$	922	$	836	$	—	$	362	$	86	$	86
1-4 Family residential real estate:
Owner occupied		604		463		—		39		7		7
Non-owner occupied		284		236		—		257		—		—
With an allowance recorded:
Commercial		176		179		28		170		3		3
Commercial real estate:
Other		209		209		6		220		3		3
Total	$	2,195	$	1,923	$	34	$	1,048	$	99	$	99

Financing Receivable, Past Due [Table Text Block]

	September 30, 2020				June 30, 2020
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	—	$	—	$	21	$	—
Commercial real estate:
Other		774		—		785		—
1 – 4 Family residential:
Owner occupied		369		—		143		29
Non-owner occupied		226		—		236		—
Consumer		—		—		—		12
Total	$	1,369	$	—	$	1,185	$	41

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	176,319	$	176,319
Commercial real estate:
Construction		—		—		—		—		8,810		8,810
Other		—		—		629		629		239,356		239,985
1-4 Family residential:
Owner occupied		234		—		369		603		90,498		91,101
Non-owner occupied		—		—		—		—		19,934		19,934
Construction		—		—		—		—		5,945		5,945
Consumer		105		16		—		121		21,682		21,803
Total	$	339	$	16	$	998	$	1,353	$	562,544	$	563,897

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	21	$	21	$	157,307	$	157,328
Commercial real estate:
Construction		—		—		—		—		16,241		16,241
Other		—		2		628		630		229,086		229,716
1-4 Family residential:
Owner occupied		—		—		172		172		91,102		91,274
Non-owner occupied		—		—		—		—		19,410		19,410
Construction		—		—		—		—		9,435		9,435
Consumer		127		49		12		188		21,205		21,393
Total	$	127	$	51	$	833	$	1,011	$	543,786	$	544,797

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of September 30, 2020
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	171,905	$	140	$	3,992	$	—	$	282
Commercial real estate:
Construction		8,810		—		—		—		—
Other		230,260		2,052		5,292		774		1,607
1-4 Family residential real estate:
Owner occupied		2,307		—		334		—		88,460
Non-owner occupied		18,959		178		217		226		354
Construction		1,378		—		—		—		4,567
Consumer		119		—		—		—		21,684
Total	$	433,738	$	2,370	$	9,835	$	1,000	$	116,954

	As of June 30, 2020
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	152,911	$	143	$	3,979	$	21	$	274
Commercial real estate:
Construction		16,241		—		—		—		—
Other		220,311		1,469		5,378		785		1,773
1-4 Family residential real estate:
Owner occupied		2,419		—		334		—		88,521
Non-owner occupied		18,435		186		223		236		330
Construction		3,234		—		—		—		6,201
Consumer		153		—		—		—		21,240
Total	$	413,704	$	1,798	$	9,914	$	1,042	$	118,339