Note 4 - Loans (Tables)

9 Months Ended

Mar. 31, 2022

Notes Tables

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

	March 31, 2022			June 30, 2021
Commercial	$	91,429		$	112,337
Commercial real estate:
Construction		13,436			10,525
Other		291,726			269,679
1 – 4 Family residential real estate:
Owner occupied		137,923			118,269
Non-owner occupied		21,879			19,151
Construction		6,431			9,073
Consumer		40,773			29,646
Subtotal		603,597			568,680
Net deferred loan fees and costs		(2	)		(2,253	)
Allowance for loan losses		(6,997	)		(6,471	)
Net Loans	$	596,598		$	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	$	976	$	4,049		$	1,490		$	417		$	6,932
Provision for loan losses		48		(58	)		(16	)		111			85
Loans charged-off		—		—			(1	)		(30	)		(31	)
Recoveries		2		—			—			9			11
Total ending allowance balance	$	1,026	$	3,991		$	1,473		$	507		$	6,997

					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		99		40		191			215			545
Loans charged-off		—		—		(41	)		(77	)		(118	)
Recoveries		23		2		16			58			99
Total ending allowance balance	$	1,026	$	3,991	$	1,473		$	507		$	6,997

						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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	1	$	—	$	—	$	—	$	1
Acquired loans collectively evaluated for impairment		1		63		87		—		151
Originated loans collectively evaluated for impairment		1,024		3,928		1,386		507		6,845
Total ending allowance balance	$	1,026	$	3,991	$	1,473	$	507	$	6,997
Recorded investment in loans:
Loans individually evaluated for impairment	$	405	$	250	$	50	$	—	$	705
Acquired loans collectively evaluated for impairment		434		11,202		27,828		3,786		43,250
Originated loans collectively evaluated for impairment		90,642		293,656		139,612		36,971		560,881
Total ending loans balance	$	91,481	$	305,108	$	167,490	$	40,757	$	604,836

					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 March 31, 2022						Nine Months ended March 31, 2022
	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	$	289	$	—	$	294	$	—	$	—
Commercial real estate:
Other		401		250		—		620		104		104
1-4 Family residential real estate:
Owner occupied		51		23		—		242		4		4
Non-owner occupied		27		27		—		114		75		75
With an allowance recorded:
Commercial		116		116		1		126		6		6
Total	$	1,016	$	705	$	1	$	1,396	$	189	$	189

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	289	$	—	$	—
Commercial real estate:
Other		255		2		2
1-4 Family residential real estate:
Owner occupied		91		1		1
Non-owner occupied		13		—		—
With an allowance recorded:
Commercial		120		2		2
Total	$	768	$	5	$	5

	As of June 30, 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	$	421	$	303	$	—	$	77	$	—	$	—
Commercial real estate:
Other		1,062		921		—		893		6		6
1-4 Family residential real estate:
Owner occupied		409		367		—		577		11		11
Non-owner occupied		267		202		—		220		—		—
With an allowance recorded:
Commercial		133		134		1		154		6		6
Commercial real estate:
Other		—		—		—		160		7		7
1-4 Family residential real estate:
Owner occupied		28		27		3		13		—		—
Total	$	2,320	$	1,954	$	4	$	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

Financing Receivable, Past Due [Table Text Block]

	March 31, 2022				June 30, 2021
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	289	$	—	$	303	$	—
Commercial real estate:
Other		206		—		874		—
1 – 4 Family residential:
Owner occupied		22		—		392		—
Non-owner occupied		27		—		202		—
Consumer		—		—		—		—
Total	$	544	$	—	$	1,771	$	—

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	91,481	$	91,481
Commercial real estate:
Construction		—		—		—		—		13,396		13,396
Other		—		—		—		—		291,712		291,712
1-4 Family residential:
Owner occupied		53		—		—		53		139,040		139,093
Non-owner occupied		—		—		27		27		21,869		21,896
Construction		1		—		—		1		6,500		6,501
Consumer		308		31		—		339		40,418		40,757
Total	$	362	$	31	$	27	$	420	$	604,416	$	604,836

	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 March 31, 2022
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	90,101	$	781	$	116	$	289	$	194
Commercial real estate:
Construction		13,396		—		—		—		—
Other		283,308		2,077		5,458		206		663
1-4 Family residential real estate:
Owner occupied		1,167		—		—		22		137,904
Non-owner occupied		21,345		146		75		27		303
Construction		1,789		—		—		—		4,712
Consumer		690		—		—		—		40,067
Total	$	411,796	$	3,004	$	5,649	$	544	$	183,843

	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