Regulatory Matters (Tables)

12 Months Ended

Jun. 30, 2015

Actual and Required Capital Amounts and Ratios for OCC Regulatory Capital Adequacy Purposes

The Bank's actual and required capital amounts and ratios for OCC regulatory capital adequacy purposes are presented below as of June 30, 2015 and 2014:

								Required for Capital
			Actual					Adequacy Purposes
			Amount		Ratio			Amount		Ratio
			(Dollars in Thousands)

June 30, 2015
Core Capital	(1	)	$	42,492		11.81	%	$	10,798		3.00	%
Common Equity Tier 1	(2	)		42,492		17.90	%		10,682		4.50	%
Tangible Capital	(1	)		42,492		11.81	%		5,399		1.50	%
Total Risk-Based Capital	(2	)		44,757		18.85	%		18,990		8.00	%

June 30, 2014
Core Capital	(1	)	$	42,001		12.74	%	$	9,887		3.00	%
Tangible Capital	(1	)		42,001		12.74	%		4,943		1.50	%
Total Risk-Based Capital	(2	)		44,147		21.35	%		16,545		8.00	%
__________________________
(1) Amounts and Ratios to Adjusted Total Assets
(2) Amounts and Ratios to Total Risk-Weighted Assets

Actual and Required Capital Amounts and Ratios to be Well Capitalized under Prompt Corrective Action Provisions

The Bank's actual and required capital amounts and ratios to be well capitalized under prompt corrective action provisions are presented below as of June 30, 2015 and 2014:

								Required to be
			Actual					Well Capitalized
			Amount		Ratio			Amount		Ratio
			(Dollars in Thousands)

June 30, 2015
Tier 1 Leverage Capital	(1	)	$	42,492		11.81	%	$	17,997		5.00	%
Common Equity Tier 1	(2	)		42,492		17.90	%		15,429		6.50	%
Tier 1 Risk-Based Capital	(2	)		42,492		17.90	%		18,990		8.00	%
Total Risk-Based Capital	(2	)		44,757		18.85	%		23,738		10.00	%

June 30, 2014
Tier 1 Leverage Capital	(1	)	$	42,001		12.74	%	$	16,479		5.00	%
Tier 1 Risk-Based Capital	(2	)		42,001		20.31	%		12,409		6.00	%
Total Risk-Based Capital	(2	)		44,147		21.35	%		20,682		10.00	%
__________________________
(1) Amounts and Ratios to Adjusted Total Assets
(2) Amounts and Ratios to Total Risk-Weighted Assets

Actual and Required Capital Amounts and Ratios Applicable to the Bank

The actual and required capital amounts and ratios applicable to the Bank for the years ended June 30, 2015 and 2014, are presented in the following tables, including a reconciliation of capital under generally accepted accounting principles (GAAP) to such amounts reported for regulatory purposes:

							Minimum for Capital
	Actual						Adequacy Purposes
June 30, 2015	Ratio			Amount			Ratio			Amount
	(Dollars in Thousands)

Total Equity, and Ratio to Total Assets		11.87	%	$	42,763
Investments in and Advances to Nonincludable Subsidiaries					(119	)
Unrealized Gains on Securities Available-for-Sale					(152	)
Tangible Capital, and Ratio to Adjusted Total Assets		11.81	%	$	42,492			1.5	%	$	5,399
Tier 1 (Core) Capital, and Ratio to Adjusted Total Assets		11.81	%	$	42,492			3.0	%	$	10,798
Tier 1 (Core) Capital, and Ratio to Risk-Weighted Assets		17.90	%		42,492			4.5	%	$	10,682
Allowance for Loan Losses					2,515
Equity Investment					(250	)
Total Risk-Based Capital, and Ratio to Risk-Weighted Assets		18.85	%	$	44,757			8.0	%	$	18,990
Total Assets				$	360,219
Adjusted Total Assets				$	359,948
Risk-Weighted Assets				$	237,376

							Minimum for Capital
	Actual						Adequacy Purposes
June 30, 2014	Ratio			Amount			Ratio			Amount
	(Dollars in Thousands)

Total Equity, and Ratio to Total Assets		12.82	%	$	42,292
Investments in and Advances to Nonincludable Subsidiaries					(119	)
Unrealized Gains on Securities Available-for-Sale					(172	)
Tangible Capital, and Ratio to Adjusted Total Assets		12.74	%	$	42,001			1.5	%	$	4,943
Tier 1 (Core) Capital, and Ratio to Adjusted Total Assets		12.74	%	$	42,001			3.0	%	$	9,887
Tier 1 (Core Capital, and Ratio to Risk-Weighted Assets		20.31	%	$	42,001
Allowance for Loan Losses					2,396
Equity Investment					(250	)
Total Risk-Based Capital, and Ratio to Risk-Weighted Assets		21.35	%	$	44,147			8.0	%	$	16,545
Total Assets				$	329,950
Adjusted Total Assets				$	329,570
Risk-Weighted Assets				$	206,815