Note 4 - Loans (Tables)

3 Months Ended

Sep. 30, 2021

Notes Tables

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

	September 30, 2021			June 30, 2021
Commercial	$	95,568		$	112,337
Commercial real estate:
Construction		17,477			10,525
Other		269,627			269,679
1 – 4 Family residential real estate:
Owner occupied		137,037			118,269
Non-owner occupied		20,123			19,151
Construction		6,591			9,073
Consumer		32,109			29,646
Subtotal		578,532			568,680
Net deferred loan fees and costs		(1,371	)		(2,253	)
Allowance for loan losses		(6,677	)		(6,471	)
Net Loans	$	570,484		$	559,956

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	$	904	$	3,949	$	1,307	$	311		$	6,471
Provision for loan losses		2		36		110		42			190
Loans charged-off		—		—		—		(34	)		(34	)
Recoveries		—		—		13		37			50
Total ending allowance balance	$	906	$	3,985	$	1,430	$	356		$	6,677

						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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	3	$	—	$	3
Acquired loans collectively evaluated for impairment		1		67		100		—		168
Originated loans collectively evaluated for impairment		905		3,918		1,327		356		6,506
Total ending allowance balance	$	906	$	3,985	$	1,430	$	356	$	6,677
Recorded investment in loans:
Loans individually evaluated for impairment	$	429	$	911	$	558	$	—	$	1,898
Acquired loans collectively evaluated for impairment		810		12,219		32,402		5,807		51,238
Originated loans collectively evaluated for impairment		93,125		273,879		132,022		26,291		525,317
Total ending loans balance	$	94,364	$	287,009	$	164,982	$	32,098	$	578,453

					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

Impaired Financing Receivables [Table Text Block]

	As of September 30, 2021						Three Months ended September 30, 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	$	421	$	298	$	—	$	299	$	—	$	—
Commercial real estate:
Other		1,053		911		—		914		3		3
1-4 Family residential real estate:
Owner occupied		403		359		—		363		2		2
Non-owner occupied		267		199		—		200		—		—
With an allowance recorded:
Commercial		130		131		3		131		2		2
Total	$	2,274	$	1,898	$	3	$	1,907	$	7	$	7

	As of June 30, 2021						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	$	421	$	303	$	—	$	—	$	—	$	—
Commercial real estate:
Other		1,062		921		—		826		1		1
1-4 Family residential real estate:
Owner occupied		409		367		—		539		6		6
Non-owner occupied		267		202		—		229		—		—
With an allowance recorded:
Commercial		133		134		1		171		2		2
Commercial real estate:
Other		—		—		—		206		3		3
1-4 Family residential real estate:
Owner occupied		28		27		3		—		—		—
Total	$	2,320	$	1,954	$	4	$	1,971	$	12	$	12

Financing Receivable, Past Due [Table Text Block]

	September 30, 2021				June 30, 2021
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	298	$	—	$	303	$	—
Commercial real estate:
Other		865		—		874		—
1 – 4 Family residential:
Owner occupied		357		—		392		29
Non-owner occupied		199		—		202		—
Consumer		—		—		—		12
Total	$	1,719	$	—	$	1,771	$	41

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	94,364	$	94,364
Commercial real estate:
Construction		—		—		—		—		17,459		17,459
Other		—		—		629		629		268,921		269,550
1-4 Family residential:
Owner occupied		—		209		123		332		137,854		138,186
Non-owner occupied		—		—		—		—		20,131		20,131
Construction		—		—		—		—		6,665		6,665
Consumer		130		16		—		146		31,952		32,098
Total	$	130	$	225	$	752	$	1,107	$	577,346	$	578,453

	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

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of September 30, 2021
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	92,817	$	707	$	291	$	298	$	251
Commercial real estate:
Construction		17,459		—		—		—		—
Other		258,628		4,430		4,677		865		950
1-4 Family residential real estate:
Owner occupied		1,028		—		6		357		136,795
Non-owner occupied		19,425		157		79		199		271
Construction		1,439		—		—		—		5,226
Consumer		551		—		—		—		31,547
Total	$	391,347	$	5,294	$	5,053	$	1,719	$	175,040

	As of June 30, 2021
			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