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Consolidated Statements of Income (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2012
Dec. 31, 2011
Interest income:        
Loans $ 4,590 $ 4,475 $ 9,168 $ 8,943
Investment securities - taxable 185 225 371 470
Mortgage-backed securities 894 1,124 1,841 2,310
Investment securities - tax exempt 420 321 836 626
Interest bearing deposits and federal funds sold 18 13 22 14
Total interest income 6,107 6,158 12,238 12,363
Interest expense:        
Interest on deposits 673 827 1,337 1,714
Interest on borrowings 64 108 139 227
Total interest expense 737 935 1,476 1,941
Net interest income 5,370 5,223 10,762 10,422
Provision for loan losses 541 422 985 896
Net interest income after provision for loan losses 4,829 4,801 9,777 9,526
Noninterest income:        
Service charges on deposit accounts 693 639 1,385 1,255
Debit card fees 344 350 671 688
Investment services 79 62 169 137
E-commerce fees 22 25 50 55
Net gain on sale of available-for-sale securities 10   10 11
Other operating income 148 132 290 276
Total noninterest income 1,296 1,208 2,575 2,422
Noninterest expense:        
Salaries and employee benefits 2,000 1,937 4,073 3,944
Occupancy expense 291 295 593 613
Equipment and furniture expense 132 187 283 332
Service and data processing fees 412 399 809 770
Computer software, supplies and support 90 81 183 162
Advertising and promotion 84 109 173 145
FDIC insurance premiums 83 62 158 152
Legal and professional fees 184 227 341 409
Other 470 471 806 899
Total noninterest expense 3,746 3,768 7,419 7,426
Income before provision for income taxes 2,379 2,241 4,933 4,522
Provision for income taxes 710 746 1,500 1,518
Net income $ 1,669 $ 1,495 $ 3,433 $ 3,004
Basic EPS $ 0.40 $ 0.36 $ 0.82 $ 0.72
Basic average shares outstanding 4,185,562 4,148,102 4,184,747 4,146,965
Diluted EPS $ 0.39 $ 0.36 $ 0.81 $ 0.72
Diluted average shares outstanding 4,225,746 4,190,211 4,223,329 4,190,187
Dividends per share $ 0.175 $ 0.175 $ 0.35 $ 0.35