Note 4 - Loans (Tables)

3 Months Ended

Sep. 30, 2022

Notes Tables

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

	September 30, 2022			June 30, 2022
Commercial	$	91,340		$	87,008
Commercial real estate:
Construction		15,038			15,158
Other		299,758			291,847
1 – 4 Family residential real estate:
Owner occupied		145,359			142,244
Non-owner occupied		24,627			26,029
Construction		6,320			4,317
Consumer		54,876			44,964
Subtotal		637,318			611,567
Net deferred loan fees and costs		283			276
Allowance for loan losses		(7,546	)		(7,160	)
Net Loans	$	630,055		$	604,683

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	$	960	$	3,927	$	1,645		$	628		$	7,160
Provision for loan losses		61		145		35			169			410
Loans charged-off		—		—		(6	)		(72	)		(78	)
Recoveries		—		—		2			52			54
Total ending allowance balance	$	1,021	$	4,072	$	1,676		$	777		$	7,546

					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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Acquired loans collectively evaluated for impairment		1		62		85		—		148
Originated loans collectively evaluated for impairment		1,020		4,010		1,591		777		7,398
Total ending allowance balance	$	1,021	$	4,072	$	1,676	$	777	$	7,546
Recorded investment in loans:
Loans individually evaluated for impairment	$	295	$	41	$	47	$	—	$	383
Acquired loans collectively evaluated for impairment		677		8,761		26,492		2,485		38,415
Originated loans collectively evaluated for impairment		90,603		305,984		151,153		52,374		600,114
Total ending loans balance	$	91,575	$	314,786	$	177,692	$	54,859	$	638,912

					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

Impaired Financing Receivables [Table Text Block]

	As of September 30, 2022						Three Months ended September 30, 2022
					Allowance
	Unpaid				for Loan		Average		Interest		Cash Basis
	Principal		Recorded		Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	411	$	295	$	—	$	286	$	10	$	10
Commercial real estate:
Other		81		41		—		41		3		3
1-4 Family residential real estate:
Owner occupied		46		20		—		21		1		1
Non-owner occupied		27		27		—		62		—		—
Total	$	565	$	383	$	—	$	410	$	14	$	14

	As of June 30, 2022						Three Months ended September 30, 2021
					Allowance
	Unpaid				for Loan		Average		Interest		Cash Basis
	Principal		Recorded		Losses		Recorded		Income		Interest
	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	414	$	276	$	—	$	299	$	—	$	—
Commercial real estate:
Other		83		42		—		914		3		3
1-4 Family residential real estate:
Owner occupied		48		22		—		363		2		2
Non-owner occupied		193		133		—		200		—		—
With an allowance recorded:
Commercial		—		—		—		131		2		2
Total	$	738	$	473	$	—	$	1,907	$	7	$	7

Financing Receivable, Past Due [Table Text Block]

	September 30, 2022				June 30, 2022
			Loans Past Due				Loans Past Due
			Over 90 Days				Over 90 Days
			Still				Still
	Non-accrual		Accruing		Non-accrual		Accruing
Commercial	$	—	$	—	$	276	$	9
Commercial real estate:
Other		—		—		—		—
1 – 4 Family residential:
Owner occupied		20		—		22		—
Non-owner occupied		27		—		133		—
Consumer		—		19		—		—
Total	$	47	$	19	$	431	$	9

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	91,575	$	91,575
Commercial real estate:
Construction		—		—		—		—		15,018		15,018
Other		—		—		—		—		299,768		299,768
1-4 Family residential:
Owner occupied		116		7		—		123		146,551		146,674
Non-owner occupied		—		—		27		27		24,610		24,637
Construction		—		—		—		—		6,381		6,381
Consumer		346		39		19		404		54,455		54,859
Total	$	462	$	46	$	46	$	554	$	638,358	$	638,912

	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

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of September 30, 2022
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	90,618	$	309	$	480	$	—	$	168
Commercial real estate:
Construction		15,018		—		—		—		—
Other		292,023		2,351		4,758		—		636
1-4 Family residential real estate:
Owner occupied		1,273		—		—		20		145,381
Non-owner occupied		24,178		57		107		27		268
Construction		2,114		—		—		—		4,267
Consumer		559		—		—		—		54,300
Total	$	425,783	$	2,717	$	5,345	$	47	$	205,020

	As of June 30, 2022
			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