LOANS (Tables)

12 Months Ended

Jun. 30, 2013

Receivables [Abstract]

Schedule Of Classification Of Loans Receivable [Table Text Block]

The composition of the loan portfolio at June 30 was as follows:

(in thousands)	2013			2012
Residential real estate
One- to four-family	$	209,092		$	149,086
Multi-family		14,506			15,495
Construction		1,753			964
Land		2,821			1,259
Farm		1,843			—
Nonresidential real estate		22,092			9,839
Commercial and industrial		3,189			—
Consumer and other
Loans on deposits		2,710			2,281
Home equity		5,757			4,865
Automobile		72			—
Unsecured		708			—
		264,543			183,789
Undisbursed portion of loans in process		(833	)		(544	)
Deferred loan origination fees (cost)		91			103
Allowance for loan losses		(1,310	)		(875	)
	$	262,491		$	182,473

Schedule Of Impaired Loans Receivable Additional Information [Table Text Block]

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio class and based on impairment method as of June 30, 2013 and 2012. There were $4.2 million in loans acquired with deteriorated credit quality at June 30, 2013, while there were no such loans at June 30, 2012.

June 30, 2013:
(in thousands)	Loans individually evaluated		Loans acquired with deteriorated credit quality		Ending loans balance		Ending allowance attributed to loans		Unallocated allowance		Total allowance
Loans individually evaluated for impairment:
Residential real estate:
One- to four-family	$	4,715	$	2,989	$	7,704	$	14	$	—	$	14
Farm		—		485		485		—		—		—
Nonresidential real estate		—		546		546		—		—		—
Commercial and industrial		—		119		119		—		—		—
Consumer and other
Automobile		—		23		23		—		—		—
		4,715		4,162		8,877		14		—		14
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family					$	201,388	$	860	$	—	$	860
Multi-family						14,506		63		—		63
Construction						1,753		8		—		8
Land						2,821		12		—		12
Farm						1,358		6		—		6
Nonresidential real estate						21,546		94		—		94
Commercial and industrial						3,070		13		—		13
Consumer and other
Loans on deposits						2,710		12		—		12
Home equity						5,757		25		—		25
Automobile						49		—		—		—
Unsecured						708		3		—		3
Unallocated						—		—		200		200
						255,666		1,096		200		1,296
					$	264,543	$	1,110	$	200	$	1,310

June 30, 2012:
(in thousands)	Recorded investment in loans		Ending allowance attributed to loans		Unallocated allowance		Total allowance
Loans individually evaluated for impairment:
Residential real estate:
One- to four-family	$	2,757	$	97	$	—	$	97
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family	$	146,329	$	468	$	—	$	468
Multi-family		15,495		49		—		49
Construction		964		3		—		3
Nonresidential real estate and land		11,098		35		—		35
Loans on deposits		2,281		7		—		7
Consumer and other		4,865		16		—		16
Unallocated		—		—		200		200
		181,032		578		200		778
	$	183,789	$	675	$	200	$	875

Impaired Financing Receivables [Table Text Block]

The following tables present impaired loans by class of loans as of and for the years ended June 30, 2013 and 2012:

June 30, 2013:	Unpaid
	Principal		Allowance
	Balance and		for Loan		Average		Interest		Cash Basis
	Recorded		Losses		Recorded		Income		Income
(in thousands)	Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Residential real estate:
One- to four-family	$	7,491	$	—	$	6,108	$	116	$	116
Farm		485		—		291		—		—
Nonresidential real estate		546		—		328		—		—
Commercial and industrial		119		—		71		—		—
Consumer and other:
Automobile		23		—		14		—		—
	$	8,664	$	—	$	6,812	$	116	$	116
With an allowance recorded:
Residential real estate:
One- to four-family		213		14		117		—		—
Total	$	8,877	$	14	$	6,929	$	116	$	116

June 30, 2012:	Unpaid
	Principal		Allowance
	Balance and		for Loan		Average		Interest
	Recorded		Losses		Recorded		Income		Cash
(in thousands)	Investment		Allocated		Investment		Recognized		Received
With no related allowance recorded:
One- to four-family	$	1,222	$	—	$	889	$	45	$	45
With an allowance recorded:
One- to four-family		1,535		97		1,434		27		27
Total	$	2,757	$	97	$	2,323	$	72	$	72

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of June 30, 2013 and 2012:

	June 30, 2013				June 30, 2012
(in thousands)	Nonaccrual		Loans Past Due Over 90 Days Still Accruing		Nonaccrual		Loans Past Due Over 90 Days Still Accruing
One- to four-family residential real estate	$	5,989	$	1,972	$	1,593	$	201

Schedule Of Types Troubled Debt Restructuring Loan Modifications [Table Text Block]

The following table presents loans by class modified as TDRs as of June 30, 2013, and their performance, by modification type:

(Dollars in thousands)	Number of Loans		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		TDRs Performing to Modified Terms		TDRs Not Performing to Modified Terms
Residential Real Estate:
1-4 Family		33	$	3,115	$	3,123	$	827	$	2,043

Past Due Financing Receivables [Table Text Block]

The following tables present the aging of the principal balance outstanding in past due loans as of June 30, 2013 and 2012, by class of loans:

June 30, 2013:

(in thousands)	30-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
Residential real estate:
One-to four-family	$	5,290	$	5,034	$	10,324	$	198,768	$	209,092
Multi-family		—		—		—		14,506		14,506
Construction		42		—		42		1,711		1,753
Land		—		—		—		2,821		2,821
Farm		—		—		—		1,843		1,843
Nonresidential real estate		35		140		175		21,917		22,092
Commercial and industrial		—		—		—		3,189		3,189
Consumer and other:
Loans on deposits		—		—		—		2,710		2,710
Home equity		23		23		46		5,711		5,757
Automobile		29		—		29		43		72
Unsecured		—		48		48		660		708
Total	$	5,419	$	5,245	$	10,664	$	253,879	$	264,543

June 30, 2012:
(in thousands)	30-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
Residential real estate:
One-to four-family	$	4,332	$	1,794	$	6,126	$	142,960	$	149,086
Multi-family		—		—		—		15,495		15,495
Construction		—		—		—		964		964
Nonresidential real estate and land		—		—		—		11,098		11,098
Loans on deposits		—		—		—		2,281		2,281
Consumer and other		—		—		—		4,865		4,865
Total	$	4,332	$	1,794	$	6,126	$	177,663	$	183,789

Financing Receivable Credit Quality Indicators [Table Text Block]

As of June 30, 2013, and 2012, and based on the most recent analysis performed, the risk category of loans by class of loans was as follows:

June 30, 2013:
(in thousands)	Pass		Special Mention		Substandard		Doubtful		Not  rated
Residential real estate:
One- to four-family	$	—	$	4,923	$	9,832	$	—	$	194,337
Multi-family		12,956		—		1,550		—		—
Construction		1,753		—		—		—		—
Land		2,050		—		771		—		—
Farm		1,843		—		—		—		—
Nonresidential real estate		19,246		—		2,846		—		—
Commercial and industrial		3,071		—		118		—		—
Consumer and other:
Loans on deposits		2,710		—		—		—		—
Home equity		5,757		—		—		—		—
Automobile		37		—		35		—		—
Unsecured		681		27		—		—		—

  

June 30, 2012:

(in thousands)	Pass		Special Mention		Substandard		Doubtful		Not rated
Residential real estate:
One- to four-family	$	—	$	64	$	3,057	$	—	$	145,965
Multi-family		12,692		—		2,803		—		—
Construction		964		—		—		—		—
Nonresidential real estate and land		10,831		267		—		—		—
Loans on deposits		—		—		—		—		2,281
Consumer and other		—		—		—		—		4,865

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The activity in the allowance for loan losses is summarized as follows for the years ended June 30:

(in thousands)	2013			2012
Balance at beginning of year	$	875		$	764
Provision for losses on loans		662			139
Charge-offs		(227	)		(28	)
Balance at end of year	$	1,310		$	875

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended June 30, 2013 and 2012:

June 30, 2013:

(in thousands)	Beginning balance		Provision for loan losses		Loans charged off			Recoveries		Ending balance
Residential real estate:
One- to four-family	$	565	$	535	$	(229	)	$	—	$	871
Multi-family		49		14		—			—		63
Construction		3		5		—			—		8
Land		—		12		—			—		12
Farm		—		6		—			—		6
Nonresidential real estate		35		59		—			—		94
Commercial and industrial		—		13		—			—		13
Consumer and other:
Loans on deposits		7		5		—			—		12
Home equity		16		9		—			—		25
Automobile		—		—		—			—		—
Unsecured		—		4		—			2		6
Unallocated		200		—		—			—		200
Totals	$	875	$	662	$	(229	)	$	2	$	1,310

June 30, 2012:

(in thousands)	Beginning balance		Provision for loan losses			Loans charged off			Recoveries		Ending balance
Residential real estate:
One- to four-family	$	490	$	79		$	(4	)	$	—	$	565
Multi-family		11		38			—			—		49
Construction		5		(2	)		—			—		3
Nonresidential real estate and land		36		(1	)		—			—		35
Loans on deposits		8		(1	)		—			—		7
Consumer and other		14		26			(24	)		—		16
Unallocated		200		—			—			—		200
Totals	$	764	$	139		$	(28	)	$	—	$	875

Certain Loans Acquired In Transfer Accounted For As Debt Securities [Table Text Block]

The carrying amount of those loans, net of a credit quality component of $1.2 million, is as follows:

(in thousands)	2013
Residential real estate:
One- to four-family	$	2,989
Land		485
Nonresidential real estate		546
Commercial non-mortgage loans		119
Consumer loans		23
Outstanding balance	$	4,162

Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield [Table Text Block]

Accretable yield, or income expected to be collected, is as follows

(in thousands)
Balance at July 1, 2012	$	—
New loans purchased		1,423
Accretion of income		(129)
Reclassifications from nonaccretable difference		—
Disposals		—
Balance at June 30, 2013	$	1,294