Credit Quality of Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Mar. 31, 2013

Credit Quality of Loans and Allowance for Loan Losses [Abstract]

Loan Balances by Internal Credit Quality Indicator [Table Text Block]

Loan balances by internal credit quality indicator as of March 31, 2013 are shown below.


(In thousands)	Performing	Watch	Special Mention	Substandard	Total
Residential mortgage	$ 204,086	$ 292	$ -	$ 4,357	$ 208,735
Nonresidential mortgage	84,238	156	998	2,248	87,640
Residential construction and land	2,007	-	-	-	2,007
Commercial construction	1,564	-	415	1,063	3,042
Multi-family	4,420	-	423	729	5,572
Home equity	21,164	25	-	28	21,217
Consumer installment	4,158	2	-	-	4,160
Commercial loans	22,583	115	353	1,001	24,052
Total gross loans	$ 344,220	$ 590	$ 2,189	$ 9,426	$ 356,425

Loan balances by internal credit quality indicator as of June 30, 2012 are shown below.


(In thousands)	Performing	Watch	Special Mention	Substandard	Total
Residential mortgage	$ 188,446	$ -	$ 557	$ 4,375	$ 193,378
Nonresidential mortgage	77,761	-	588	2,445	80,794
Residential construction and land	2,156	-	-	-	2,156
Commercial construction	669	-	290	1,075	2,034
Multi-family	4,185	-	780	557	5,522
Home equity	22,708	-	-	100	22,808
Consumer installment	4,044	1	-	25	4,070
Commercial loans	20,045	39	762	842	21,688
Total gross loans	$ 320,014	$ 40	$ 2,977	$ 9,419	$ 332,450

Delinquent and Nonaccrual Loans By Past Due Status [Table Text Block]

The following table sets forth information regarding delinquent and/or nonaccrual loans as of March 31, 2013:


(In thousands)	30-59 days past due	60-89 days past due	90 days or more past due	Total past due	Current	Total Loans	Loans on Non-accrual
Residential mortgage	$ 1,407	$ 423	$ 3,489	$ 5,319	$ 203,416	$ 208,735	$ 4,094
Nonresidential mortgage	1,622	1,220	1,243	4,085	83,555	87,640	1,911
Residential construction and land	-	-	-	-	2,007	2,007	-
Commercial construction	-	-	-	-	3,042	3,042	-
Multi-family	-	146	463	609	4,963	5,572	463
Home equity	87	25	-	112	21,105	21,217	28
Consumer installment	48	2	-	50	4,110	4,160	-
Commercial loans	866	25	185	1,076	22,976	24,052	367
Total gross loans	$ 4,030	$ 1,841	$ 5,380	$ 11,251	$ 345,174	$ 356,425	$ 6,863

The following table sets forth information regarding delinquent and/or nonaccrual loans as of June 30, 2012:


(In thousands)	30-59 days past due	60-89 days past due	90 days or more past due	Total past due	Current	Total Loans	Loans on Non-accrual
Residential mortgage	$ 99	$ 1,674	$ 3,850	$ 5,623	$ 187,755	$ 193,378	$ 4,206
Nonresidential mortgage	424	1,088	1,041	2,553	78,241	80,794	1,868
Residential construction and land	-	-	-	-	2,156	2,156	-
Commercial construction	-	-	-	-	2,034	2,034	-
Multi-family	-	-	431	431	5,091	5,522	431
Home equity	52	-	100	152	22,656	22,808	60
Consumer installment	76	4	24	104	3,966	4,070	25
Commercial loans	3	596	257	856	20,832	21,688	303
Total gross loans	$ 654	$ 3,362	$ 5,703	$ 9,719	$ 322,731	$ 332,450	$ 6,893

Nonaccrual Loans, Interest Income Data [Table Text Block]


	For the nine months ended March 31,		For the three months ended March 31
(In thousands)	2013	2012	2013	2012
Interest income that would have been recorded if loans had been performing in accordance with original terms	$ 398	$ 442	$ 123	$ 103
Interest income that was recorded on nonaccrual loans	180	211	54	88

Impaired Loans By Loan Portfolio Class [Table Text Block]

The tables below detail additional information on impaired loans at the date or periods indicated:


	As of March 31, 2013			For the nine months ended March 31, 2013		For the three months ended March 31, 2013
(In thousands)	Recorded Investment	Unpaid Principal	Related Allowance	Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded:
Residential mortgage	$ 643	$ 643	$ -	$ 432	$ 32	$ 915	$ 14
Nonresidential mortgage	1,259	1,259	-	1,265	57	1,360	15
Commercial loans	-	-	-	108	13	77	3
	1,902	1,902	-	1,805	102	2,352	32
With an allowance recorded:
Residential mortgage	2,437	2,487	363	2,243	26	1,951	11
Nonresidential mortgage	1,082	1,082	291	1,015	13	985	5
Commercial construction	1,063	1,063	335	1,068	-	1,063	-
Multi-family	886	886	149	885	4	886	-
Home equity	-	-	-	257	4	-	-
Commercial loans	571	571	3	572	3	571	-
	6,039	6,089	1,141	6,040	50	5,456	16

Residential mortgage	3,080	3,130	363	2,675	58	2,866	25
Nonresidential mortgage	2,341	2,341	291	2,280	70	2,345	20
Commercial construction	1,063	1,063	335	1,068	-	1,063	-
Multi-family	886	886	149	885	4	886	-
Home equity	-	-	-	257	4	-	-
Commercial loans	571	571	3	680	16	648	3
	$ 7,941	$ 7,991	$ 1,141	$ 7,845	$ 152	$ 7,808	$ 48


	As of June 30, 2012			For the nine months ended March 31, 2012		For the three months ended March 31, 2012
(In thousands)	Recorded Investment	Unpaid Principal	Related Allowance	Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded:
Residential mortgage	$ 213	$ 276	$ -	$ 213	$ -	$ 213	$ -
Nonresidential mortgage	1,148	1,148	-	535	40	736	19
Multi-family	433	433	-	49	4	146	4
	1,794	1,857	-	797	44	1,095	23
With an allowance recorded:
Residential mortgage	200	200	10	106	4	224	2
Nonresidential mortgage	648	648	208	819	19	651	6
Commercial construction	1,075	1,075	365	119	5	356	5
Multi-family	428	428	155	432	18	431	6
Commercial loans	562	562	35	535	27	563	10
	2,913	2,913	773	2,011	73	2,225	29

Residential mortgage	413	476	10	319	4	437	2
Nonresidential mortgage	1,796	1,796	208	1,354	59	1,387	25
Commercial construction	1,075	1,075	365	119	5	356	5
Multi-family	861	861	155	481	22	577	10
Commercial loans	562	562	35	535	27	563	10
	$ 4,707	$ 4,770	$ 773	$ 2,808	$ 117	$ 3,320	$ 52

Troubled Debt Restructurings on Financing Receivables [Table Text Block]


	As of March 31, 2013
(Dollars in thousands)	Number of Contracts	Pre-Modification Outstanding Recorded Investment	Post-Modification Outstanding Recorded Investment	Current Outstanding Recorded Investment
Residential mortgage	1	$246	$261	$261

Activity and Allocation of Allowance For Loan Losses [Table Text Block]

Activity for the three months ended March 31, 2013


(In thousands)	Balance December 31, 2012	Charge-offs	Recoveries	Provision	Balance March 31, 2013
Residential mortgage	$ 2,429	$ 13	$ -	$ 74	$ 2,490
Nonresidential mortgage	2,246	119	-	178	2,305
Residential construction and land	43	-	-	(15)	28
Commercial construction	391	-	-	24	415
Multi-family	286	-	-	(21)	265
Home equity	361	-	-	(84)	277
Consumer installment	281	69	28	(37)	203
Commercial loans	727	-	-	47	774
Unallocated	-	-	-	165	165
Total	$ 6,764	$ 201	$ 28	$ 331	$ 6,922

Activity for the nine months ended March 31, 2013


(In thousands)	Balance June 30, 2012	Charge-offs	Recoveries	Provision	Balance March 31, 2013
Residential mortgage	$ 2,163	$ 286	$ -	$ 613	$ 2,490
Nonresidential mortgage	2,076	139	-	368	2,305
Residential construction and land	19	-	-	9	28
Commercial construction	407	-	-	8	415
Multi-family	337	-	-	(72)	265
Home equity	187	-	-	90	277
Consumer installment	207	201	70	127	203
Commercial loans	645	15	-	144	774
Unallocated	136	-	-	29	165
Total	$ 6,177	$ 641	$ 70	$ 1,316	$ 6,922


	Allowance for Loan Losses		Loans Receivable
	Ending Balance March 31, 2013 Impairment Analysis		Ending Balance March 31, 2013 Impairment Analysis
(In thousands)	Individually Evaluated	Collectively Evaluated	Individually Evaluated	Collectively Evaluated
Residential mortgage	$ 363	$ 2,127	$ 3,080	$ 205,655
Nonresidential mortgage	291	2,014	2,341	85,299
Residential construction and land	-	28	-	2,007
Commercial construction	335	80	1,063	1,979
Multi-family	149	116	886	4,686
Home equity	-	277	-	21,217
Consumer installment	-	203	-	4,160
Commercial loans	3	771	571	23,481
Unallocated	-	165	-	-
Total	$ 1,141	$ 5,781	$ 7,941	$ 348,484

Activity for the three months ended March 31, 2012


(In thousands)	Balance December 31, 2011	Charge-offs	Recoveries	Provision	Balance March 31, 2012
Residential mortgage	$ 2,147	$ 114	$ -	$ 65	$ 2,098
Nonresidential mortgage	1,947	-	-	(83)	1,864
Residential construction and land	31	-	-	(8)	23
Commercial construction	78	-	-	402	480
Multi-family	408	-	-	(55)	353
Home equity	217	-	-	(23)	194
Consumer installment	233	65	23	120	311
Commercial loans	556	35	-	90	611
Unallocated	-	-	-	33	33
Total	$ 5,617	$ 214	$ 23	$ 541	$ 5,967

Activity for the nine months ended March 31, 2012


(In thousands)	Balance June 30, 2011	Charge-offs	Recoveries	Provision	Balance March 31, 2012
Residential mortgage	$ 1,767	$ 172	$ 4	$ 499	$ 2,098
Nonresidential mortgage	1,859	212	-	217	1,864
Residential construction and land	27			(4)	23
Commercial construction	89			391	480
Multi-family	410			(57)	353
Home equity	186			8	194
Consumer installment	203	183	57	234	311
Commercial loans	528	35	2	116	611
Unallocated	-			33	33
Total	$ 5,069	$ 602	$ 63	$ 1,437	$ 5,967


	Allowance for Loan Loss		Loans Receivable
	Ending Balance June 30, 2012 Impairment Analysis		Ending Balance June 30, 2012 Impairment Analysis
(In thousands)	Individually Evaluated	Collectively Evaluated	Individually Evaluated	Collectively Evaluated
Residential mortgage	$ 10	$ 2,153	$ 413	$ 192,965
Nonresidential mortgage	208	1,868	1,796	78,998
Residential construction and land	-	19	-	2,156
Commercial construction	365	42	1,075	959
Multi-family	155	182	861	4,661
Home equity	-	187	-	22,808
Consumer installment	-	207	-	4,070
Commercial loans	35	610	562	21,126
Unallocated	-	136	-	-
Total	$ 773	$ 5,404	$ 4,707	$ 327,743