Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Dec. 31, 2022	Jun. 30, 2022
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 13,133	$ 11,254
Federal funds sold and interest-bearing deposits in financial institutions	169	9,698
Total cash and cash equivalents	13,302	20,952
Certificates of deposit in other financial institutions	3,264	3,781
Securities, available-for-sale	287,142	296,347
Securities, held-to-maturity (fair value of $6,911 at December 31, 2022 and $7,831 at June 30, 2022)	7,338	7,874
Equity securities, at fair value	367	400
Federal bank and other restricted stocks, at cost	2,583	2,525
Loans held for sale	100	1,165
Total loans	664,969	611,843
Less allowance for loan losses	(7,675)	(7,160)
Net loans	657,294	604,683
Cash surrender value of life insurance	10,089	9,959
Premises and equipment, net	16,278	16,521
Goodwill	2,452	2,452
Core deposit intangible, net	442	470
Accrued interest receivable and other assets	12,505	10,184
Total assets	1,013,156	977,313
LIABILITIES
Noninterest-bearing demand	254,646	257,665
Interest bearing demand	151,848	157,462
Savings	354,406	369,054
Time	145,252	102,381
Total deposits	906,152	886,562
Short-term borrowings	25,380	21,295
Federal Home Loan Bank advances	24,603	8,256
Accrued interest and other liabilities	6,624	7,230
Total liabilities	962,759	923,343
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 3,138,000 and 3,132,056 shares issued as of December 31, 2022 and June 30, 2022, respectively)	20,557	20,287
Retained earnings	61,205	56,906
Treasury stock, at cost (48,639 and 75,382 common shares as of December 31, 2022 and June 30, 2022, respectively)	(809)	(1,117)
Accumulated other comprehensive loss	(30,556)	(22,106)
Total shareholders’ equity	50,397	53,970
Total liabilities and shareholders’ equity	$ 1,013,156	$ 977,313