Note 4 - Loans (Tables)

9 Months Ended

Mar. 31, 2023

Notes Tables

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

	March 31, 2023			June 30, 2022
Commercial	$	99,203		$	87,008
Commercial real estate:
Construction		18,340			15,158
Other		319,955			291,847
1 – 4 Family residential real estate:
Owner occupied		153,760			142,244
Non-owner occupied		24,254			26,029
Construction		7,264			4,317
Consumer		66,290			44,964
Subtotal		689,066			611,567
Net deferred loan fees and costs		226			276
Allowance for loan losses		(7,823	)		(7,160	)
Net Loans	$	681,469		$	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	$	1,006	$	4,084		$	1,677	$	908		$	7,675
Provision for loan losses		132		(103	)		70		61			160
Loans charged-off		—		—			—		(56	)		(56	)
Recoveries		—		—			—		44			44
Total ending allowance balance	$	1,138	$	3,981		$	1,747	$	957		$	7,823

					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		178		53		106			458			795
Loans charged-off		—		—		(6	)		(247	)		(253	)
Recoveries		—		1		2			118			121
Total ending allowance balance	$	1,138	$	3,981	$	1,747		$	957		$	7,823

						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
Ending allowance for loan losses balance attributable to loans:
Individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—
Acquired loans collectively evaluated for impairment		—		42		75		—		117
Originated loans collectively evaluated for impairment		1,138		3,939		1,672		957		7,706
Total ending allowance balance	$	1,138	$	3,981	$	1,747	$	957	$	7,823
Recorded investment in loans:
Loans individually evaluated for impairment	$	315	$	38	$	45	$	—	$	398
Acquired loans collectively evaluated for impairment		650		7,443		23,778		1,605		33,476
Originated loans collectively evaluated for impairment		98,501		330,864		162,953		64,661		656,979
Total ending loans balance	$	99,466	$	338,345	$	186,776	$	66,266	$	690,853

					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 March 31, 2023						Nine Months ended March 31, 2023
	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	$	407	$	315	$	—	$	303	$	27	$	27
Commercial real estate:
Other		78		38		—		40		5		5
1-4 Family residential real estate:
Owner occupied		44		18		—		20		2		2
Non-owner occupied		27		27		—		42		—		—
Total	$	556	$	398	$	—	$	405	$	34	$	34

	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	315	$	9	$	9
Commercial real estate:
Other		39		1		1
1-4 Family residential real estate:
Owner occupied		18		—		—
Non-owner occupied		27		—		—
Total	$	399	$	10	$	10

	As of June 30, 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	$	414	$	276	$	—	$	294	$	—	$	—
Commercial real estate:
Other		83		42		—		620		104		104
1-4 Family residential real estate:
Owner occupied		48		22		—		242		4		4
Non-owner occupied		193		133		—		114		75		75
With an allowance recorded:
Commercial		—		—		—		126		6		6
Total	$	738	$	473	$	—	$	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

Financing Receivable, Past Due [Table Text Block]

	March 31, 2023				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		—		53		—		—
1 – 4 Family residential:
Owner occupied		18		—		22		—
Non-owner occupied		27		—		133		—
Consumer		—		100		—		—
Total	$	45	$	153	$	431	$	9

	Days Past Due
	30 –59		60 - 89		90 Days or		Total		Loans Not
	Days		Days		Greater		Past Due		Past Due		Total
Commercial	$	—	$	—	$	—	$	—	$	99,466	$	99,466
Commercial real estate:
Construction		—		—		—		—		18,361		18,361
Other		—		—		53		53		319,931		319,984
1-4 Family residential:
Owner occupied		522		127		—		649		154,527		155,176
Non-owner occupied		3		—		27		30		24,235		24,265
Construction		—		—		—		—		7,335		7,335
Consumer		352		99		100		551		65,715		66,266
Total	$	877	$	226	$	180	$	1,283	$	689,570	$	690,853

	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 March 31, 2023
			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
Commercial	$	97,687	$	1,059	$	556	$	—	$	164
Commercial real estate:
Construction		18,361		—		—		—		—
Other		311,540		3,452		4,352		—		640
1-4 Family residential real estate:
Owner occupied		2,272		—		18		18		152,868
Non-owner occupied		23,818		53		109		27		258
Construction		2,860		—		—		—		4,475
Consumer		1,646		—		—		—		64,620
Total	$	458,184	$	4,564	$	5,035	$	45	$	223,025

	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