Note 4 - Loans (Tables)

9 Months Ended

Mar. 31, 2021

Notes Tables

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

	March 31, 2021			June 30, 2020
Commercial	$	131,079		$	158,667
Commercial real estate:
Construction		4,030			16,235
Other		258,421			229,029
1 – 4 Family residential real estate:
Owner occupied		108,288			90,494
Non-owner occupied		19,528			19,370
Construction		7,771			9,344
Consumer		26,002			21,334
Subtotal		555,119			544,473
Net deferred loan fees and costs		(1,982	)		(1,612	)
Allowance for loan losses		(6,076	)		(5,678	)
Net Loans	$	547,061		$	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	$	858	$	3,817		$	1,028		$	209		$	5,912
Provision for loan losses		79		(109	)		166			49			185
Loans charged-off		—		—			(4	)		(39	)		(43	)
Recoveries		—		1			1			20			22
Total ending allowance balance	$	937	$	3,709		$	1,191		$	239		$	6,076

						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		12			83		205			145			445
Loans charged-off		(22	)		—		(4	)		(95	)		(121	)
Recoveries		—			3		1			70			74
Total ending allowance balance	$	937		$	3,709	$	1,191		$	239		$	6,076

					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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	1	$	—	$	4	$	—	$	5
Acquired loans collectively evaluated for impairment		—		99		79		—		178
Originated loans collectively evaluated for impairment		936		3,610		1,108		239		5,893
Total ending allowance balance	$	937	$	3,709	$	1,191	$	239	$	6,076
Recorded investment in loans:
Loans individually evaluated for impairment	$	446	$	936	$	692	$	—	$	2,074
Acquired loans collectively evaluated for impairment		907		7,766		22,067		7,671		38,411
Originated loans collectively evaluated for impairment		128,064		253,673		113,849		18,355		513,941
Total ending loans balance	$	129,417	$	262,375	$	136,608	$	26,026	$	554,426

					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 March 31, 2021						Nine Months ended March 31, 2021
	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	$	422	$	306	$	—	$	77	$	—	$	—
Commercial real estate:
Other		1,073		936		—		893		6		6
1-4 Family residential real estate:
Owner occupied		498		456		—		577		11		11
Non-owner occupied		270		209		—		220		—		—
With an allowance recorded:
Commercial		139		140		1		154		6		6
Commercial real estate:
Other		—		—		—		160		7		7
1-4 Family residential real estate:
Owner occupied		29		27		4		13		—		—
Total	$	2,431	$	2,074	$	5	$	2,094	$	30	$	30

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	308	$	—	$	—
Commercial real estate:
Other		941		2		2
1-4 Family residential real estate:
Owner occupied		473		—		—
Non-owner occupied		211		—		—
With an allowance recorded:
Commercial		142		2		2
Commercial real estate:
Other		68		1		1
1-4 Family residential real estate:
Owner occupied		29		—		—
Total	$	2,172	$	5	$	5

	As of June 30, 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	$	—	$	—	$	—	$	5		—		—
Commercial real estate:
Other		922		836		—		415		88		88
1-4 Family residential real estate:
Owner occupied		604		463		—		27		7		7
Non-owner occupied		284		236		—		251		—		—
With an allowance recorded:
Commercial		176		179		28		164		7		7
Commercial real estate:
Other		209		209		6		218		10		10
Total	$	2,195	$	1,923	$	34	$	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

Financing Receivable, Past Due [Table Text Block]

	March 31, 2021				June 30, 2020
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	306	$	—	$	21	$	—
Commercial real estate:
Other		888		—		785		—
1 – 4 Family residential:
Owner occupied		480		—		143		29
Non-owner occupied		209		—		236		—
Consumer		—		—		—		12
Total	$	1,883	$	—	$	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	$	—	$	—	$	—	$	—	$	129,417	$	129,417
Commercial real estate:
Construction		—		—		—		—		3,982		3,982
Other		—		—		629		629		257,764		258,393
1-4 Family residential:
Owner occupied		28		—		238		266		108,956		109,222
Non-owner occupied		—		—		—		—		19,529		19,529
Construction		—		—		—		—		7,857		7,857
Consumer		43		36		—		79		25,947		26,026
Total	$	71	$	36	$	867	$	974	$	553,452	$	554,426

	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 March 31, 2021
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	128,281	$	295	$	292	$	306	$	243
Commercial real estate:
Construction		3,982		—		—		—		—
Other		247,040		4,739		4,789		888		937
1-4 Family residential real estate:
Owner occupied		1,461		—		17		480		107,264
Non-owner occupied		18,673		167		203		209		277
Construction		1,752		—		—		—		6,105
Consumer		791		—		—		—		25,235
Total	$	401,980	$	5,201	$	5,301	$	1,883	$	140,061

	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