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Consolidated Balance Sheets - USD ($)
$ in Thousands
Jun. 30, 2015
Jun. 30, 2014
ASSETS    
Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $16,105 and $9,317 for 2015 and 2014, Respectively) $ 21,166 $ 13,633
Securities Available-for-Sale 44,885 48,434
Securities Held-to-Maturity (fair value of $2,010 and $1,765, respectively) 2,010 1,765
Loans Held-for-Sale 14,203 9,375
Loans Receivable, Net of Allowance for Loan Losses of $2,515 and $2,396 for 2015 and 2014, Respectively 268,427 239,563
Accrued Interest Receivable 927 965
Premises and Equipment, Net 10,188 8,454
Bank Owned Life Insurance 6,365 6,203
Deferred Tax Asset 824 723
Other Real Estate Owned 40 0
Other Assets 798 414
Total Assets 369,833 329,529
LIABILITIES    
Deposits 286,238 272,295
Advances from Borrowers for Taxes and Insurance 578 428
Advances from Federal Home Loan Bank of Dallas 38,411 12,897
Other Accrued Expenses and Liabilities 1,220 1,130
Total Liabilities 326,447 286,750
STOCKHOLDERS' EQUITY    
Preferred Stock - $.01 Par Value; 10,000,000 Shares Authorized; None Issued and Outstanding 0 0
Common Stock - $.01 Par Value; 40,000,000 Shares Authorized; 2,109,606 Shares Issued and Outstanding at June 30, 2015; 3,062,386 Shares Issued and 2,241,967 Shares Outstanding at June 30, 2014 25 34
Additional Paid-in Capital 33,375 32,853
Treasury Stock, at Cost - none at June 30, 2015 and 820,419 Shares at June 30, 2014 0 (15,698)
Unearned ESOP Stock (1,445) (1,561)
Unearned RRP Trust Stock (333) (609)
Retained Earnings 11,664 27,588
Accumulated Other Comprehensive Income 100 172
Total Stockholders' Equity 43,386 42,779
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 369,833 $ 329,529