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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net Income $ 3,888 $ 3,593
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities    
(Loss) Gain on Sale of Loans (384) (265)
Loss on Sale of Loans 6 (26)
Net Amortization and Accretion on Securities (189) (258)
Amortization of Deferred Loan Fees (71) (113)
Amortization of Purchased Loans (263) (756)
Provision (Recovery of) Credit Losses (126) 40
Depreciation of Premises and Equipment 1,083 944
Loss on Sale of Real Estate and Fixed Assets 265 415
ESOP Compensation Expense 218 313
Stock Option Expense 94 69
Deferred Income Tax (Benefit) Expense (163) 122
Share Awards Expense 112 118
Increase in Cash Surrender Value on Bank Owned Life Insurance (116) (110)
Amortization Core Deposit Intangible 284 334
Changes in Assets and Liabilities:    
Origination of Loans Held-for-Sale (18,119) (17,712)
Sale and Principal Repayments on Loans Held-for-Sale 18,696 16,248
Accrued Interest Receivable (61) 15
Other Operating Assets 45 74
Other Operating Liabilities 273 (727)
Net Cash Provided by Operating Activities 5,472 2,318
CASH FLOWS FROM INVESTING ACTIVITIES    
Loan Originations and Purchases, Net 9,268 18,350
Deferred Loan Fees Collected 78 48
Acquisition of Premises and Equipment (46) (2,686)
Proceeds from Sale of Real Estate 262 456
Improvements to Real Estate Owned Prior to Disposition (117) (38)
Changes in FHLB Stock 964 (70)
Activity in Available-for-Sale Securities:    
Principal Payments on Securities 5,900 12,148
Purchase of Mortgage-Backed Securities (12,695) (2,667)
Proceeds from Sales of Mortgage-Backed Securities 157 3,389
Proceeds from Sales of US Treasury Notes 494 0
Activity in Held-to-Maturity Securities:    
Principal Payments on Mortgage-Backed Securities 5,948 5,554
Net Cash Provided by Investing Activities 10,213 34,484
CASH FLOWS FROM FINANCING ACTIVITIES    
Net Decrease in Deposits (27,717) (23,354)
Proceeds from Advances from Federal Home Loan Bank 0 792,701
Repayments of Advances from Federal Home Loan Bank 0 (792,701)
Dividends Paid (1,629) (1,569)
Company Stock Purchased (1,073) (487)
Net Increase (Decrease) in Advances from Borrowers for Taxes and Insurance 22 (33)
Proceeds from Other Bank Borrowings 0 2,700
Repayment of Other Bank Borrowings (3,000) (4,250)
Proceeds from Stock Options Exercised 111 374
Net Cash Used in Financing Activities (33,286) (26,619)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (17,601) 10,183
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 34,948 24,765
CASH AND CASH EQUIVALENTS, END OF YEAR 17,347 34,948
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION    
Interest Paid on Deposits and Borrowed Funds 11,752 12,913
Income Taxes Paid 685 680
Market Value Adjustment for Unrealized Gain (Loss) on Debt Securities Available For Sale 862 49
Transfer from Loans to Other Real Estate $ 961 $ 883