Note 4 - Loans (Tables)

12 Months Ended

Jun. 30, 2022

Notes Tables

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

	2022			2021
Commercial	$	87,008		$	112,337
Commercial real estate:
Construction		15,158			10,525
Other		291,847			269,679
1 – 4 Family residential real estate:
Owner occupied		142,244			118,269
Non-owner occupied		26,029			19,151
Construction		4,317			9,073
Consumer		44,964			29,646
Subtotal		611,567			568,680
Net deferred loan fees and costs		276			(2,253	)
Allowance for loan losses		(7,160	)		(6,471	)
Net loans	$	604,683		$	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		33		(24	)		359			367			735
Loans charged-off		—		—			(41	)		(132	)		(173	)
Recoveries		23		2			20			82			127
Total ending allowance balance	$	960	$	3,927		$	1,645		$	628		$	7,160

						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:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Acquired loans collectively evaluated for impairment		1		62		85		—		148
Originated loans collectively evaluated for impairment		959		3,865		1,560		628		7,012
Total ending allowance balance	$	960	$	3,927	$	1,645	$	628	$	7,160
Recorded investment in loans:
Loans individually evaluated for impairment	$	276	$	42	$	155	$	—	$	473
Acquired loans collectively evaluated for impairment		665		10,095		27,731		3,051		41,542
Originated loans collectively evaluated for impairment		86,310		296,776		146,058		41,898		571,042
Total ending loans balance	$	87,251	$	306,913	$	173,944	$	44,949	$	613,057

					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]

	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	$	414	$	276	$	—	$	291	$	—	$	—
Commercial real estate:
Other		83		42		—		518		193		193
1-4 Family residential real estate:
Owner occupied		48		22		—		187		8		8
Non-owner occupied		193		133		—		93		75		75
With an allowance recorded:
Commercial		—		—		—		113		6		6
Total	$	738	$	473	$	—	$	1,202	$	282	$	282

	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

Financing Receivable, Past Due [Table Text Block]

	June 30, 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	$	276	$	9	$	303	$	—
Commercial real estate:
Other		—		—		874		—
1 – 4 Family residential:
Owner occupied		22		—		392		—
Non-owner occupied		133		—		202		—
Consumer		—		—		—		—
Total	$	431	$	9	$	1,771	$	—

	Days Past Due
	30 –59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	9	$	9	$	87,242	$	87,251
Commercial real estate:
Construction		—		—		—		—		15,138		15,138
Other		52		—		—		52		291,723		291,775
1-4 Family residential:
Owner occupied		125		—		—		125		143,381		143,506
Non-owner occupied		—		—		27		27		26,036		26,063
Construction		—		—		—		—		4,375		4,375
Consumer		381		79		—		460		44,489		44,949
Total	$	558	$	79	$	36	$	673	$	612,384	$	613,057

	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]

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	86,265	$	350	$	178	$	276	$	182
Commercial real estate:
Construction		15,138		—		—		—		—
Other		283,877		2,500		4,711		—		687
1-4 Family residential real estate:
Owner occupied		1,321		—		—		22		142,163
Non-owner occupied		25,606		59		—		133		265
Construction		1,234		—		—		—		3,141
Consumer		605		—		—		—		44,344
Total	$	414,046	$	2,909	$	4,889	$	431	$	190,782

			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