Note 4 - Loans (Tables)

6 Months Ended

Dec. 31, 2020

Notes Tables

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

	December 31, 2020			June 30, 2020
Commercial	$	158,911		$	158,667
Commercial real estate:
Construction		3,802			16,235
Other		250,529			229,029
1 – 4 Family residential real estate:
Owner occupied		93,726			90,494
Non-owner occupied		20,210			19,370
Construction		6,026			9,344
Consumer		24,230			21,334
Subtotal		557,434			544,473
Net Deferred loan fees and costs		(177	)		(1,612	)
Allowance for loan losses		(5,912	)		(5,678	)
Net Loans	$	551,345		$	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	$	940		$	3,694	$	997	$	136		$	5,767
Provision for loan losses		(82	)		122		31		59			130
Loans charged-off		—			—		—		(12	)		(12	)
Recoveries		—			1		—		26			27
Total ending allowance balance	$	858		$	3,817	$	1,028	$	209		$	5,912

						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		(67	)		192		39		96			260
Loans charged-off		(22	)		—		—		(56	)		(78	)
Recoveries		—			2		—		50			52
Total ending allowance balance	$	858		$	3,817	$	1,028	$	209		$	5,912

					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:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	3	$	—	$	6	$	—	$	9
Acquired loans collectively evaluated for impairment		—		101		84		—		185
Originated loans collectively evaluated for impairment		855		3,716		938		209		5,718
Total ending allowance balance	$	858	$	3,817	$	1,028	$	209	$	5,912
Recorded investment in loans:
Loans individually evaluated for impairment	$	148	$	1,151	$	1,044	$	—	$	2,343
Acquired loans collectively evaluated for impairment		661		7,824		23,220		8,935		40,640
Originated loans collectively evaluated for impairment		158,331		245,489		96,733		15,328		515,881
Total ending loans balance	$	159,140	$	254,464	$	120,997	$	24,263	$	558,864

					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 December 31, 2020						Six Months ended December 31, 2020
	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial real estate:
Other	$	1,286	$	1,151	$	—	$	867	$	4	$	4
1-4 Family residential real estate:
Owner occupied		947		797		—		629		11		11
Non-owner occupied		274		217		—		225		—		—
With an allowance recorded:
Commercial		147		148		3		160		4		4
Commercial real estate:
Other		—		—		—		205		6		6
1-4 Family residential real estate:
Owner occupied		30		30		6		5		—		—
Total	$	2,684	$	2,343	$	9	$	2,091	$	25	$	25

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial real estate:
Other	$	907	$	3	$	3
1-4 Family residential real estate:
Owner occupied		720		5		5
Non-owner occupied		220		—		—
With an allowance recorded:
Commercial		150		2		2
Commercial real estate:
Other		204		3		3
1-4 Family residential real estate:
Owner occupied		10		—		—
Total	$	2,211	$	13	$	13

	As of June 30, 2020						Six Months ended December 31, 2019
	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial real estate:
Other	$	922	$	836	$	—	$	303	$	87	$	87
1-4 Family residential real estate:
Owner occupied		604		463		—		25		7		7
Non-owner occupied		284		236		—		254		—		—
With an allowance recorded:
Commercial		176		179		28		167		5		5
Commercial real estate:
Other		209		209		6		219		6		6
Total	$	2,195	$	1,923	$	34	$	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		165		2		2
Commercial real estate:
Other		218		3		3
Total	$	887	$	6	$	6

Financing Receivable, Past Due [Table Text Block]

	December 31, 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		902		—		785		—
1 – 4 Family residential:
Owner occupied		821		—		143		29
Non-owner occupied		217		—		236		—
Consumer		—		—		—		12
Total	$	1,940	$	—	$	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	$	—	$	—	$	—	$	—	$	159,140	$	159,140
Commercial real estate:
Construction		—		—		—		—		3,791		3,791
Other		—		—		629		629		250,044		250,673
1-4 Family residential:
Owner occupied		450		4		269		723		93,926		94,649
Non-owner occupied		—		—		—		—		20,223		20,223
Construction		4		—		—		4		6,121		6,125
Consumer		261		49		—		310		23,953		24,263
Total	$	715	$	53	$	898	$	1,666	$	557,198	$	558,864

	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 December 31, 2020
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	158,054	$	453	$	359	$	—	$	274
Commercial real estate:
Construction		3,791		—		—		—		—
Other		241,702		1,933		5,075		902		1,061
1-4 Family residential real estate:
Owner occupied		1,988		—		18		603		92,040
Non-owner occupied		19,265		173		210		217		358
Construction		1,306		—		—		—		4,819
Consumer		687		—		—		—		23,576
Total	$	426,793	$	2,559	$	5,662	$	1,722	$	122,128

	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