Note 4 - Loans (Tables)

6 Months Ended

Dec. 31, 2021

Notes Tables

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

	December 31, 2021			June 30, 2021
Commercial	$	116,940		$	112,337
Commercial real estate:
Construction		21,457			10,525
Other		282,601			269,679
1 – 4 Family residential real estate:
Owner occupied		137,288			118,269
Non-owner occupied		21,618			19,151
Construction		6,854			9,073
Consumer		36,628			29,646
Subtotal		623,386			568,680
Net deferred loan fees and costs		(379	)		(2,253	)
Allowance for loan losses		(6,932	)		(6,471	)
Net Loans	$	616,075		$	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	$	906	$	3,985	$	1,430		$	356		$	6,677
Provision for loan losses		49		62		97			62			270
Loans charged-off		—		—		(40	)		(13	)		(53	)
Recoveries		21		2		3			12			38
Total ending allowance balance	$	976	$	4,049	$	1,490		$	417		$	6,932

					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		51		98		207			104			460
Loans charged-off		—		—		(40	)		(47	)		(87	)
Recoveries		21		2		16			49			88
Total ending allowance balance	$	976	$	4,049	$	1,490		$	417		$	6,932

						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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	1	$	—	$	—	$	—	$	1
Acquired loans collectively evaluated for impairment		1		66		90		—		157
Originated loans collectively evaluated for impairment		974		3,983		1,400		417		6,774
Total ending allowance balance	$	976	$	4,049	$	1,490	$	417	$	6,932
Recorded investment in loans:
Loans individually evaluated for impairment	$	416	$	264	$	228	$	—	$	908
Acquired loans collectively evaluated for impairment		472		11,466		29,058		4,677		45,673
Originated loans collectively evaluated for impairment		115,781		292,214		137,658		31,946		577,599
Total ending loans balance	$	116,669	$	303,944	$	166,944	$	36,623	$	624,180

					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 December 31, 2021						Six Months ended December 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	$	421	$	294	$	—	$	297	$	—	$	—
Commercial real estate:
Other		411		264		—		802		102		102
1-4 Family residential real estate:
Owner occupied		276		228		—		317		3		3
Non-owner occupied		—		—		—		167		75		75
With an allowance recorded:
Commercial		122		122		1		128		4		4
Total	$	1,230	$	908	$	1	$	1,711	$	184	$	184

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	295	$	—	$	—
Commercial real estate:
Other		691		99		99
1-4 Family residential real estate:
Owner occupied		272		1		1
Non-owner occupied		132		75		75
With an allowance recorded:
Commercial		126		2		2
Total	$	1,516	$	177	$	177

	As of June 30, 2021						Six Months ended December 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	$	421	$	303	$	—	$	—	$	—	$	—
Commercial real estate:
Other		1,062		921		—		867		4		4
1-4 Family residential real estate:
Owner occupied		409		367		—		629		11		11
Non-owner occupied		267		202		—		225		—		—
With an allowance recorded:
Commercial		133		134		1		160		4		4
Commercial real estate:
Other		—		—		—		205		6		6
1-4 Family residential real estate:
Owner occupied		28		27		3		5		—		—
Total	$	2,320	$	1,954	$	4	$	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

Financing Receivable, Past Due [Table Text Block]

	December 31, 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	$	294	$	—	$	303	$	—
Commercial real estate:
Other		219		—		874		—
1 – 4 Family residential:
Owner occupied		227		—		392		29
Non-owner occupied		—		—		202		—
Consumer		—		4		—		12
Total	$	740	$	4	$	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	$	—	$	—	$	—	$	—	$	116,669	$	116,669
Commercial real estate:
Construction		—		—		—		—		21,443		21,443
Other		—		—		—		—		282,501		282,501
1-4 Family residential:
Owner occupied		236		—		—		236		138,169		138,405
Non-owner occupied		—		—		—		—		21,626		21,626
Construction		—		—		—		—		6,913		6,913
Consumer		153		15		4		172		36,451		36,623
Total	$	389	$	15	$	4	$	408	$	623,772	$	624,180

	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 December 31, 2021
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	115,183	$	687	$	271	$	294	$	234
Commercial real estate:
Construction		21,443		—		—		—		—
Other		274,500		2,123		4,555		219		1,104
1-4 Family residential real estate:
Owner occupied		1,232		—		—		227		136,946
Non-owner occupied		21,128		152		77		—		269
Construction		3,138		—		—		—		3,775
Consumer		657		—		—		—		35,966
Total	$	437,281	$	2,962	$	4,903	$	740	$	178,294

	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