Note 4 - Loans (Tables)

12 Months Ended

Jun. 30, 2021

Notes Tables

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

	2021			2020
Commercial	$	112,337		$	158,667
Commercial real estate:
Construction		10,525			16,235
Other		269,679			229,029
1 – 4 Family residential real estate:
Owner occupied		118,269			90,494
Non-owner occupied		19,151			19,370
Construction		9,073			9,344
Consumer		29,646			21,334
Subtotal		568,680			544,473
Net deferred loan fees and costs		(2,253	)		(1,612	)
Allowance for loan losses		(6,471	)		(5,678	)
Net loans	$	559,956		$	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		(21	)		322		319			230			850
Loans charged-off		(22	)		—		(4	)		(122	)		(148	)
Recoveries		—			4		3			84			91
Total ending allowance balance	$	904		$	3,949	$	1,307		$	311		$	6,471

					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		287		1,044		497			152			1,980
Loans charged-off		—		—		(6	)		(140	)		(146	)
Recoveries		—		4		4			48			56
Total ending allowance balance	$	947	$	3,623	$	989		$	119		$	5,678

					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	$	—	$	3	$	—	$	4
Acquired loans collectively evaluated for impairment		—		83		77		—		160
Originated loans collectively evaluated for impairment		903		3,866		1,227		311		6,307
Total ending allowance balance	$	904	$	3,949	$	1,307	$	311	$	6,471
Recorded investment in loans:
Loans individually evaluated for impairment	$	437	$	921	$	596	$	—	$	1,954
Acquired loans collectively evaluated for impairment		834		6,542		21,363		6,488		35,227
Originated loans collectively evaluated for impairment		109,016		272,563		125,689		23,162		530,430
Total ending loans balance	$	110,287	$	280,026	$	147,648	$	29,650	$	567,611

					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]

	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	$	421	$	303	$	—	$	153	$	—	$	—
Commercial real estate:
Other		1,062		921		—		902		7		7
1-4 Family residential real estate:
Owner occupied		409		367		—		539		20		20
Non-owner occupied		267		202		—		216		—		—
With an allowance recorded:
Commercial		133		134		1		150		8		8
Commercial real estate:
Other		—		—		—		120		7		7
1-4 Family residential real estate:
Owner occupied		28		27		3		16		—		—
Total	$	2,320	$	1,954	$	4	$	2,096	$	42	$	42

	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	$	—	$	—	$	—	$	4	$	—	$	—
Commercial real estate:
Other		922		836		—		521		88		88
1-4 Family residential real estate:
Owner occupied		604		463		—		117		12		12
Non-owner occupied		284		236		—		247		—		—
With an allowance recorded:
Commercial		176		179		28		168		9		9
Commercial real estate:
Other		209		209		6		217		13		13
Total	$	2,195	$	1,923	$	34	$	1,274	$	122	$	122

Financing Receivable, Past Due [Table Text Block]

	June 30, 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	$	303	$	—	$	21	$	—
Commercial real estate:
Other		874		—		785		—
1 – 4 Family residential:
Owner occupied		392		—		143		29
Non-owner occupied		202		—		236		—
Consumer		—		—		—		12
Total	$	1,771	$	—	$	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	$	—	$	—	$	—	$	—	$	110,287	$	110,287
Commercial real estate:
Construction		—		—		—		—		10,478		10,478
Other		—		175		629		804		268,744		269,548
1-4 Family residential:
Owner occupied		29		—		365		394		118,937		119,331
Non-owner occupied		—		—		—		—		19,148		19,148
Construction		—		—		—		—		9,169		9,169
Consumer		95		11		—		106		29,544		29,650
Total	$	124	$	186	$	994	$	1,304	$	566,307	$	567,611

	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, Troubled Debt Restructuring [Table Text Block]

			Pre-Modification		Post-Modification
	Number of		Outstanding Recorded		Outstanding Recorded
	Loans		Investment		Investment
1-4 Family residential:
Owner occupied		1	$	314	$	314
Total		1	$	314	$	314

Financing Receivable Credit Quality Indicators [Table Text Block]

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	109,118	$	280	$	309	$	303	$	277
Commercial real estate:
Construction		10,478		—		—		—		—
Other		259,327		3,700		4,718		874		929
1-4 Family residential real estate:
Owner occupied		1,715		—		6		392		117,218
Non-owner occupied		18,312		163		197		202		274
Construction		1,849		—		—		—		7,320
Consumer		694		—		—		—		28,956
Total	$	401,493	$	4,143	$	5,230	$	1,771	$	154,974

			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