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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, 2013
Dec. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Interest income:        
Loans $ 4,626 $ 4,590 $ 9,124 $ 9,168
Investment securities - taxable 167 185 333 371
Mortgage-backed securities 644 894 1,294 1,841
Investment securities - tax exempt 508 420 1,018 836
Interest bearing deposits and federal funds sold 6 18 8 22
Total interest income 5,951 6,107 11,777 12,238
Interest expense:        
Interest on deposits 549 673 1,099 1,337
Interest on borrowings 33 64 61 139
Total interest expense 582 737 1,160 1,476
Net interest income 5,369 5,370 10,617 10,762
Provision for loan losses 508 541 821 985
Net interest income after provision for loan losses 4,861 4,829 9,796 9,777
Noninterest income:        
Service charges on deposit accounts 655 693 1,331 1,385
Debit card fees 386 344 775 671
Investment services 87 79 192 169
E-commerce fees 25 22 51 50
Net gain on sale of available-for-sale securities 0 10 0 10
Other operating income 163 148 317 290
Total noninterest income 1,316 1,296 2,666 2,575
Noninterest expense:        
Salaries and employee benefits 2,063 2,000 4,257 4,073
Occupancy expense 296 291 619 593
Equipment and furniture expense 149 132 262 283
Service and data processing fees 318 412 654 809
Computer software, supplies and support 93 90 207 183
Advertising and promotion 69 84 136 173
FDIC insurance premiums 103 83 192 158
Legal and professional fees 250 184 455 341
Other 410 470 781 806
Total noninterest expense 3,751 3,746 7,563 7,419
Income before provision for income taxes 2,426 2,379 4,899 4,933
Provision for income taxes 701 710 1,420 1,500
Net Income $ 1,725 $ 1,669 $ 3,479 $ 3,433
Basic earnings per share (in dollars per share) $ 0.41 $ 0.40 $ 0.83 $ 0.82
Basic average shares outstanding (in shares) 4,203,985 4,185,562 4,199,349 4,184,747
Diluted earnings per share (in dollars per share) $ 0.41 $ 0.39 $ 0.82 $ 0.81
Diluted average shares outstanding (in shares) 4,240,216 4,225,746 4,237,766 4,223,329
Dividends per share (in dollars per share) $ 0.175 $ 0.175 $ 0.35 $ 0.35