Note 4 - Loans (Tables)

6 Months Ended

Dec. 31, 2022

Notes Tables

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

	December 31, 2022			June 30, 2022
Commercial	$	103,513		$	87,008
Commercial real estate:
Construction		16,656			15,158
Other		301,646			291,847
1 – 4 Family residential real estate:
Owner occupied		149,177			142,244
Non-owner occupied		23,513			26,029
Construction		7,707			4,317
Consumer		62,470			44,964
Subtotal		664,682			611,567
Net deferred loan fees and costs		287			276
Allowance for loan losses		(7,675	)		(7,160	)
Net Loans	$	657,294		$	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	$	1,021		$	4,072	$	1,676	$	777		$	7,546
Provision for loan losses		(15	)		11		1		228			225
Loans charged-off		—			—		—		(119	)		(119	)
Recoveries		—			1		—		22			23
Total ending allowance balance	$	1,006		$	4,084	$	1,677	$	908		$	7,675

					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		46		156		36			397			635
Loans charged-off		—		—		(6	)		(191	)		(197	)
Recoveries		—		1		2			74			77
Total ending allowance balance	$	1,006	$	4,084	$	1,677		$	908		$	7,675

					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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Acquired loans collectively evaluated for impairment		—		51		77		—		128
Originated loans collectively evaluated for impairment		1,006		4,033		1,600		908		7,547
Total ending allowance balance	$	1,006	$	4,084	$	1,677	$	908	$	7,675
Recorded investment in loans:
Loans individually evaluated for impairment	$	315	$	40	$	47	$	—	$	402
Acquired loans collectively evaluated for impairment		674		7,706		25,052		2,029		35,461
Originated loans collectively evaluated for impairment		102,804		310,578		156,784		60,434		630,600
Total ending loans balance	$	103,793	$	318,324	$	181,883	$	62,463	$	666,463

					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 December 31, 2022						Six Months ended December 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	$	408	$	315	$	—	$	297	$	18	$	18
Commercial real estate:
Other		79		40		—		40		4		4
1-4 Family residential real estate:
Owner occupied		45		20		—		20		2		2
Non-owner occupied		27		27		—		53		—		—
Total	$	559	$	402	$	—	$	410	$	24	$	24

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	308	$	8	$	8
Commercial real estate:
Other		40		1		1
1-4 Family residential real estate:
Owner occupied		20		1		1
Non-owner occupied		27		—		—
Total	$	395	$	10	$	10

	As of June 30, 2022						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	$	414	$	276	$	—	$	297	$	—	$	—
Commercial real estate:
Other		83		42		—		802		102		102
1-4 Family residential real estate:
Owner occupied		48		22		—		317		3		3
Non-owner occupied		193		133		—		167		75		75
With an allowance recorded:
Commercial		—		—		—		128		4		4
Total	$	738	$	473	$	—	$	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

Financing Receivable, Past Due [Table Text Block]

	December 31, 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
1 – 4 Family residential:
Owner occupied		20		—		22		—
Non-owner occupied		27		—		133		—
Total	$	47	$	—	$	431	$	9

	Days Past Due
	30 - 59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	103,793	$	103,793
Commercial real estate:
Construction		—		—		—		—		16,655		16,655
Other		52		—		—		52		301,617		301,669
1-4 Family residential:
Owner occupied		532		6		—		538		150,033		150,571
Non-owner occupied		—		4		27		31		23,497		23,528
Construction		—		—		—		—		7,784		7,784
Consumer		499		131		—		630		61,833		62,463
Total	$	1,083	$	141	$	27	$	1,251	$	665,212	$	666,463

	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 December 31, 2022
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	102,974	$	206	$	471	$	—	$	142
Commercial real estate:
Construction		16,655		—		—		—		—
Other		294,165		2,233		4,653		—		618
1-4 Family residential real estate:
Owner occupied		1,326		—		19		20		149,206
Non-owner occupied		23,075		55		110		27		261
Construction		2,858		—		—		—		4,926
Consumer		1,648		—		—		—		60,815
Total	$	442,701	$	2,494	$	5,253	$	47	$	215,968

	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