0001387131-20-001495.txt : 20200213 0001387131-20-001495.hdr.sgml : 20200213 20200213140932 ACCESSION NUMBER: 0001387131-20-001495 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 78 CONFORMED PERIOD OF REPORT: 20191231 FILED AS OF DATE: 20200213 DATE AS OF CHANGE: 20200213 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Oconee Federal Financial Corp. CENTRAL INDEX KEY: 0001501078 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 320330122 FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-35033 FILM NUMBER: 20609073 BUSINESS ADDRESS: STREET 1: 115 E. NORTH SECOND STREET CITY: SENECA STATE: SC ZIP: 29678 BUSINESS PHONE: (864) 882-2765 MAIL ADDRESS: STREET 1: 115 E. NORTH SECOND STREET CITY: SENECA STATE: SC ZIP: 29678 10-Q 1 ofed-10q_123119.htm QUARTERLY REPORT

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549  

 

 

 

FORM 10-Q 

  

 

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the Quarterly Period ended December 31, 2019

 

Or

 

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For transition period from              to             

 

Commission File Number 001-35033

 

 

 

Oconee Federal Financial Corp.

(Exact Name of Registrant as Specified in Charter)  

 

 

 

 

 

 

Federal

 

32-0330122

(State of Other Jurisdiction

of Incorporation)

 

(I.R.S Employer

Identification Number)

 

 

201 East North Second Street, Seneca, South Carolina

 

29678

(Address of Principal Executive Officers)

 

(Zip Code)

 

(864) 882-2765

Registrant’s telephone number, including area code

 

Not Applicable

(Former name or former address, if changed since last report)  

 

 

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

 

Trading

Symbol(s)

 

Name of each exchange on which registered

Common Stock, par value $0.01 per share

 

OFED

 

The NASDAQ Stock Market, LLC

 

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ☒    No  ☐

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ☒    No  ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer

Accelerated filer

 

 

 

 

 

 

Non-accelerated filer

☒ 

Smaller reporting company

 

 

 

 

 

 

 

 

Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐ 

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No  ☒

 

As of February 6, 2020, the registrant had 5,718,607 shares of common stock, $0.01 par value per share, outstanding. 

 

 

 

 

 

 

OCONEE FEDERAL FINANCIAL CORP.

 

Form 10-Q Quarterly Report

 

Table of Contents

 

PART I.

 

2

     

ITEM 1.

FINANCIAL STATEMENTS

2

     

ITEM 2.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

32

     

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

40

     

ITEM 4.

CONTROLS AND PROCEDURES

40

     

PART II.

 

     

ITEM 1.

LEGAL PROCEEDINGS

41

     

ITEM 1A.

RISK FACTORS

41

     

ITEM 2.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

41

     

ITEM 3.

DEFAULTS UPON SENIOR SECURITIES

41

     

ITEM 4.

MINE SAFETY DISCLOSURES

41

     

ITEM 5.

OTHER INFORMATION

41

     

ITEM 6.

INDEX TO EXHIBITS

42

     

SIGNATURES 

43

   

EXHIBITS 

44

 

1 

 

 

OCONEE FEDERAL FINANCIAL CORP.

CONSOLIDATED BALANCE SHEETS

(Amounts in thousands, except share and per share data)

 

PART I   

ITEM 1. FINANCIAL STATEMENTS

 

 

 

December 31,

2019 (unaudited)

 

 

June 30,

2019

 

 

 

 

 

 

 

 

ASSETS

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

3,825

 

 

$

5,678

 

Interest-earning deposits

 

 

17,724

 

 

 

30,946

 

Fed funds sold

 

 

72

 

 

 

66

 

Total cash and cash equivalents

 

 

21,621

 

 

 

36,690

 

Securities available-for-sale

 

 

85,748

 

 

 

95,429

 

Loans

 

 

360,243

 

 

 

360,088

 

Allowance for loan losses

 

 

(1,296

)

 

 

(1,297

)

Net loans

 

 

358,947

 

 

 

358,791

 

Premises and equipment, net

 

 

9,534

 

 

 

8,134

 

Real estate owned, net

 

 

617

 

 

 

811

 

Accrued interest receivable

 

 

 

 

 

 

 

 

Loans

 

 

1,039

 

 

 

1,137

 

Investments

 

 

382

 

 

 

447

 

Restricted equity securities, at cost

 

 

1,046

 

 

 

1,854

 

Bank owned life insurance

 

 

19,249

 

 

 

19,022

 

Goodwill

 

 

2,593

 

 

 

2,593

 

Core deposit intangible

 

 

254

 

 

 

305

 

Loan servicing rights

 

 

781

 

 

 

868

 

Deferred tax assets

 

 

944

 

 

 

1,187

 

Other assets

 

 

452

 

 

 

558

 

Total assets

 

$

503,207

 

 

$

527,826

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits

 

 

 

 

 

 

 

 

Noninterest - bearing

 

$

33,579

 

 

$

36,232

 

Interest - bearing

 

 

378,823

 

 

 

382,874

 

Total deposits

 

 

412,402

 

 

 

419,106

 

Federal Home Loan Bank advances

 

 

 

 

 

19,000

 

Accrued interest payable and other liabilities

 

 

1,949

 

 

 

1,423

 

Total liabilities

 

 

414,351

 

 

 

439,529

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS’ EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common stock, $0.01 par value, 100,000,000 shares authorized; 6,530,074 and 6,530,074 shares outstanding, respectively

 

 

65

 

 

 

65

 

Treasury stock, at par, 811,087 and 771,008 shares, respectively

 

 

(8

)

 

 

(8

)

Additional paid-in capital

 

 

10,215

 

 

 

10,986

 

Retained earnings

 

 

78,392

 

 

 

77,464

 

Accumulated other comprehensive income

 

 

699

 

 

 

394

 

Unearned ESOP shares

 

 

(507

)

 

 

(604

)

Total shareholders’ equity

 

 

88,856

 

 

 

88,297

 

Total liabilities and shareholders’ equity

 

$

503,207

 

 

$

527,826

 

 

See accompanying notes to the consolidated financial statements

 

2 

 

 

OCONEE FEDERAL FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS)

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

 

 

Three Months Ended

 

 

Six Months Ended

 

 

 

December 31, 2019

 

 

December 31, 2018

 

 

December 31, 2019

 

 

December 31, 2018

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans, including fees

 

$

4,143

 

 

$

4,050

 

 

$

8,260

 

 

$

7,817

 

Securities, taxable

 

 

373

 

 

 

402

 

 

 

781

 

 

 

816

 

Securities, tax-exempt

 

 

95

 

 

 

205

 

 

 

200

 

 

 

414

 

Other interest-earning assets

 

 

151

 

 

 

42

 

 

 

338

 

 

 

73

 

Total interest income

 

 

4,762

 

 

 

4,699

 

 

 

9,579

 

 

 

9,120

 

Interest expense:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

1,025

 

 

 

656

 

 

 

2,085

 

 

 

1,221

 

Other borrowings

 

 

59

 

 

 

161

 

 

 

186

 

 

 

246

 

Total interest expense

 

 

1,084

 

 

 

817

 

 

 

2,271

 

 

 

1,467

 

Net interest income

 

 

3,678

 

 

 

3,882

 

 

 

7,308

 

 

 

7,653

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provision for loan losses

 

 

 

 

 

76

 

 

 

 

 

 

148

 

Net interest income after provision for loan losses

 

 

3,678

 

 

 

3,806

 

 

 

7,308

 

 

 

7,505

 

Noninterest income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Service charges on deposit accounts

 

 

105

 

 

 

113

 

 

 

227

 

 

 

213

 

Income on bank owned life insurance

 

 

113

 

 

 

115

 

 

 

226

 

 

 

229

 

Mortgage servicing income

 

 

48

 

 

 

51

 

 

 

97

 

 

 

109

 

Gain on sale of mortgage loans

 

 

50

 

 

 

23

 

 

 

82

 

 

 

49

 

ATM & debit card income

 

 

84

 

 

 

81

 

 

 

173

 

 

 

154

 

Change in fair value of equity securities, net

 

 

(48

)

 

 

(28

)

 

 

32

 

 

 

(43

)

Gain on sale of securities, net

 

 

 

 

 

 

 

 

12

 

 

 

1

 

Gain on payoff of purchase credit impaired loans

 

 

32

 

 

 

22

 

 

 

32

 

 

 

22

 

Other

 

 

1

 

 

 

7

 

 

 

4

 

 

 

43

 

Total noninterest income

 

 

385

 

 

 

384

 

 

 

885

 

 

 

777

 

Noninterest expense:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

1,578

 

 

 

1,727

 

 

 

3,168

 

 

 

3,413

 

Occupancy and equipment

 

 

459

 

 

 

462

 

 

 

927

 

 

 

877

 

Data processing

 

 

215

 

 

 

201

 

 

 

437

 

 

 

456

 

ATM & debit card expense

 

 

62

 

 

 

51

 

 

 

121

 

 

 

105

 

Professional and supervisory fees

 

 

181

 

 

 

204

 

 

 

328

 

 

 

400

 

Office expense

 

 

64

 

 

 

59

 

 

 

108

 

 

 

104

 

Advertising

 

 

70

 

 

 

59

 

 

 

127

 

 

 

109

 

FDIC deposit insurance

 

 

1

 

 

 

30

 

 

 

2

 

 

 

63

 

Foreclosed assets, net

 

 

100

 

 

 

11

 

 

 

144

 

 

 

24

 

Change in loan servicing asset

 

 

34

 

 

 

33

 

 

 

87

 

 

 

76

 

Other

 

 

190

 

 

 

213

 

 

 

406

 

 

 

420

 

Total noninterest expense

 

 

2,954

 

 

 

3,050

 

 

 

5,855

 

 

 

6,047

 

Income before income taxes

 

 

1,109

 

 

 

1,140

 

 

 

2,338

 

 

 

2,235

 

Income tax expense

 

 

19

 

 

 

221

 

 

 

314

 

 

 

447

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income

 

$

1,090

 

 

$

919

 

 

$

2,024

 

 

$

1,788

 

Other comprehensive income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unrealized gains/(losses) on securities available-for-sale

 

$

(84

)

 

$

1,541

 

 

$

398

 

 

$

891

 

Tax effect

 

 

17

 

 

 

(312

)

 

 

(84

)

 

 

(171

)

Reclassification adjustment for gains realized in net income

 

 

 

 

 

 

 

 

(12

)

 

 

(1

)

Tax effect

 

 

 

 

 

 

 

 

3

 

 

 

 

Total other comprehensive income/(loss)

 

 

(67

)

 

 

1,229

 

 

 

305

 

 

 

719

 

Comprehensive income

 

$

1,023

 

 

$

2,148

 

 

$

2,329

 

 

$

2,507

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic net income per share: (Note 3)

 

$

0.19

 

 

$

0.16

 

 

$

0.36

 

 

$

0.31

 

Diluted net income per share: (Note 3)

 

$

0.19

 

 

$

0.16

 

 

$

0.35

 

 

$

0.31

 

Dividends declared per share:

 

$

0.10

 

 

$

0.10

 

 

$

0.20

 

 

$

0.20

 

 

See accompanying notes to the consolidated financial statements

 

3 

 

 

OCONEE FEDERAL FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY

(Unaudited)

(Amounts in thousands, except share and per share data)

 

For the three months ended December 31, 2019 and December 31, 2018

 

   Common
Stock
   Treasury
Stock
   Additional
Paid-In
Capital
   Retained
Earnings
   Accumulated
Other
Comprehensive
Income (loss)
   Unearned
ESOP
Shares
   Total 
                             
Balance at Sept 30, 2018  $65   $(7)  $11,582   $76,427   $(3,038)  $(752)  $84,277 
Net income               919            919 
Other comprehensive income                   1,229        1,229 

Purchase of 3,657 shares of treasury stock (1)

           (94)               (94)
Stock-based compensation expense           36                36 

Dividends (2)

           35    (527)           (492)
ESOP shares earned           66            50    116 
Balance at December 31, 2018  $65   $(7)  $11,625   $76,819   $(1,809)  $(702)  $85,991 
                                    
Balance at Sept 30, 2019  $65   $(8)  $10,254   $77,823   $766   $(555)  $88,345 
Net income               1,090            1,090 
Other comprehensive loss                   (67)       (67)

Purchase of 5,699 shares of treasury stock (3)

           (131)               (131)
Stock-based compensation expense           20                20 

Dividends (4)

           29    (521)           (492)
ESOP shares earned           43            48    91 
Balance at December 31, 2019  $65   $(8)  $10,215   $78,392   $699   $(507)  $88,856 

  

(1)

The weighted average cost of treasury shares purchased during the three months ended was $25.89 per share.  Treasury stock repurchases were accounted for using the par value method.

(2)

Approximately $85 of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt, resulting in the release of approximately 7,100 additional shares. The portion of the dividend paid on allocated shares of approximately $49 and resulting release of approximately 4,500 shares, was treated as a dividend. The portion of the dividend paid on unallocated shares of approximately $36 and resulting release of approximately 2,600 shares, and was accounted for as additional compensation expense for the three months ended December 31, 2018.

(3)

The weighted average cost of treasury shares purchased during the three months ended was $23.02 per share.  Treasury stock repurchases were accounted for using the par value method.

(4)

Approximately $79 of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt, resulting in the release of approximately 7,200 additional shares. The portion of the dividend paid on allocated shares of approximately $50 and resulting release of approximately 4,300 shares, was treated as a dividend. The portion of the dividend paid on unallocated shares of approximately $29 and resulting release of approximately 2,900 shares, and was accounted for as additional compensation expense for the three months ended December 31, 2019.

 

See accompanying notes to the consolidated financial statements

 

4 

 

 

OCONEE FEDERAL FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

For the six months ended December 31, 2019 and December 31, 2018

 

   Common
Stock
   Treasury
Stock
   Additional
Paid-In
Capital
   Retained
Earnings
   Accumulated
Other
Comprehensive
Income (loss)
   Unearned
ESOP
Shares
   Total 
                                    
Balance at June 30, 2018  $65   $(7)  $12,000   $76,136   $(2,528)  $(801)  $84,865 
Net income               1,788            1,788 
Other comprehensive income                   719        719 

Purchase of 19,439 shares of treasury stock (1)

           (615)               (615)
Stock-based compensation expense           72                72 

Dividends (2)

           36    (1,105)           (1,069)
ESOP shares earned           132            99    231 
Balance at December 31, 2018  $65   $(7)  $11,625   $76,819   $(1,809)  $(702)  $85,991 
                                    
Balance at June 30, 2019  $65   $(8)  $10,986   $77,464   $394   $(604)  $88,297 
Net income               2,024            2,024 
Other comprehensive income                   305        305 

Purchase of 40,079 shares of treasury stock (3)

           (927)               (927)
Stock-based compensation expense           39                39 

Dividends (4)

           29    (1,096)           (1,067)
ESOP shares earned           88            97    185 
Balance at December 31, 2019  $65   $(8)  $10,215   $78,392   $699   $(507)  $88,856 

  

(1)

The weighted average cost of treasury shares purchased during the six months ended was $27.15 per share.  Treasury stock repurchases were accounted for using the par value method.

(2)

Approximately $85 of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt, resulting in the release of approximately 7,100 additional shares. The portion of the dividend paid on allocated shares of approximately $49 and resulting release of approximately 4,500 shares, was treated as a dividend. The portion of the dividend paid on unallocated shares of approximately $36 and resulting release of approximately 2,600 shares, and was accounted for as additional compensation expense for the six months ended December 31, 2018.

(3)

The weighted average cost of treasury shares purchased during the six months ended was $23.14 per share.  Treasury stock repurchases were accounted for using the par value method.

(4)

Approximately $79 of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt, resulting in the release of approximately 7,200 additional shares. The portion of the dividend paid on allocated shares of approximately $50 and resulting release of approximately 4,300 shares, was treated as a dividend. The portion of the dividend paid on unallocated shares of approximately $29 and resulting release of approximately 2,900 shares, and was accounted for as additional compensation expense for the six months ended December 31, 2019.

 

See accompanying notes to the consolidated financial statements

 

5 

 

 

OCONEE FEDERAL FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

(Amounts in thousands, except share and per share data)

 

 

 

Six Months Ended

 

 

 

December 31,
2019

 

 

December 31,
2018

 

Cash Flows From Operating Activities

 

 

 

 

 

 

 

 

Net income

 

$

2,024

 

 

$

1,788

 

Adjustments to reconcile net income to net cash provided by operating activities:

 

 

 

 

 

 

 

 

Provision for loan losses

 

 

 

 

 

148

 

Provision for real estate owned

 

 

117

 

 

 

18

 

Depreciation and amortization, net

 

 

613

 

 

 

598

 

Net accretion of purchase accounting adjustments

 

 

(39

)

 

 

(98

)

Deferred income tax expense/(income)

 

 

162

 

 

 

(80

)

Net gain on sale of real estate owned

 

 

 

 

 

(12

)

Net gain on sale of premises and equipment

 

 

 

 

 

(29

)

Change in loan servicing asset

 

 

87

 

 

 

76

 

Net gain on sales of securities

 

 

(12

)

 

 

(1

)

Mortgage loans originated for sale

 

 

(6,214

)

 

 

(2,823

)

Mortgage loans sold

 

 

6,296

 

 

 

2,718

 

Gain on sales of mortgage loans

 

 

(82

)

 

 

(49

)

Change in fair value of equity securities

 

 

(32

)

 

 

43

 

Increase in cash surrender value of bank owned life insurance

 

 

(227

)

 

 

(228

)

Gain on payoff of purchased credit impaired loans

 

 

(32

)

 

 

(22

)

ESOP compensation expense

 

 

185

 

 

 

231

 

Stock based compensation expense

 

 

39

 

 

 

72

 

Net change in operating assets and liabilities:

 

 

 

 

 

 

 

 

Accrued interest receivable and other assets

 

 

269

 

 

 

(10

)

Accrued interest payable and other liabilities

 

 

526

 

 

 

602

 

Net cash provided by operating activities

 

 

3,680

 

 

 

2,942

 

Cash Flows From Investing Activities

 

 

 

 

 

 

 

 

Purchases of premises and equipment

 

 

(1,680

)

 

 

(1,080

)

Disposal of premises and equipment

 

 

 

 

 

29

 

Purchases of securities available-for-sale

 

 

(7,644

)

 

 

(1,173

)

Proceeds from maturities, paydowns and calls of securities available-for-sale

 

 

12,205

 

 

 

6,184

 

Proceeds from sales of securities available-for-sale

 

 

5,268

 

 

 

1,193

 

Purchases of restricted equity securities

 

 

 

 

 

(910

)

Redemptions of restricted equity securities

 

 

808

 

 

 

151

 

Proceeds from sale of real estate owned

 

 

77

 

 

 

293

 

Loan originations and repayments, net

 

 

(85

)

 

 

(29,032

)

Net cash provided/(used) in investing activities

 

 

8,949

 

 

 

(24,345

)

Cash Flows from Financing Activities

 

 

 

 

 

 

 

 

Net change in deposits

 

 

(6,704

)

 

 

6,361

 

Proceeds from notes payable to FHLB

 

 

 

 

 

54,100

 

Repayment of notes payable to FHLB

 

 

(19,000

)

 

 

(36,100

)

Dividends paid

 

 

(1,067

)

 

 

(1,069

)

Purchase of treasury stock

 

 

(927

)

 

 

(615

)

Net cash provided/(used) by financing activities

 

 

(27,698

)

 

 

22,677

 

Change in cash and cash equivalents

 

 

(15,069

)

 

 

1,274

 

Cash and cash equivalents, beginning of period

 

 

36,690

 

 

 

9,910

 

Cash and cash equivalents, end of period

 

$

21,621

 

 

$

11,184

 

 

See accompanying notes to the consolidated financial statements

 

6 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

(1)

BASIS OF PRESENTATION

 

The accompanying unaudited consolidated financial statements of Oconee Federal Financial Corp., which include the accounts of its wholly owned subsidiary Oconee Federal Savings and Loan Association (the “Association”) (referred to herein as “the Company,” “we,” “us,” or “our”), have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations.  Intercompany accounts and transactions are eliminated during consolidation.  The Company is majority owned (72.82%) by Oconee Federal, MHC.  These financial statements do not include the transactions and balances of Oconee Federal, MHC.

 

In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring accruals) necessary to present fairly the Company’s financial position as of December 31, 2019 and June 30, 2019 and the results of operations and cash flows for the interim periods ended December 31, 2019 and 2018. All interim amounts have not been audited, and the results of operations for the interim periods herein are not necessarily indicative of the results of operations to be expected for the year ending June 30, 2020 or any other period.  These consolidated financial statements should be read in conjunction with the Company’s audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended June 30, 2019. 

 

Certain amounts have been reclassified to conform to the current period presentation.  The reclassifications had no effect on net income or shareholders’ equity as previously reported.

 

Cash Flows:   Cash and cash equivalents include cash on hand, federal funds sold, overnight interest-earning deposits and amounts due from other depository institutions.

 

Use of Estimates:   To prepare financial statements in conformity with GAAP, management makes estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ.

 

(2)

NEW ACCOUNTING STANDARDS

 

Accounting Standards Update (“ASU”) 2019-12, “Income Taxes (Topic 740)”. Issued in December 2019, ASU 2019-12 provides guidance to simplify accounting for income taxes by removing specific technical exceptions that often produce information investors have a hard time understanding. The amendments also improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. For the Company, the amendments are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-11, “Codification to Improvements to Topic 326, Financial Instruments – Credit Losses”. Issued in November 2019, ASU 2019-11 provides guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The amendments affect a variety of Topics in the Accounting Standards Codification. For the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as an entity has adopted the amendments in ASU 2016-13. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-10, “Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)”. Issued in November 2019, ASU 2019-10 provides guidance to defer the effective dates for private companies, not-for-profit organizations, and certain smaller reporting companies (such as the Company) applying standards on current expected credit losses (CECL), derivatives, hedging and leases. For the Company, the new effective date for Credit Losses (CECL) will be for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. For the Company, the effective dates for Derivatives, Hedging and Leases were not deferred under this guidance. The Company does not expect these amendments to have a material effect on its financial statements.

 

7

 

  

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

ASU 2019-07, “Codification Updates to SEC Sections”. Issued in July 2019, ASU 2019-07 updates various Topics of the Accounting Standards Codification to align the guidance in various SEC sections of the Codification with the requirements of certain SEC final rules. The amendments were effective upon issuance and did not have a material effect on the financial statements.

 

ASU 2019-05, “Financial Instruments—Credit Losses (Topic 326): Targeted Transition Relief”.   Issued in May 2019, ASU 2019-05 provides entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. On October 16, 2019, the Financial Accounting Standards Board (“FASB”) announced a delay in the implementation schedule allowing certain entities, including smaller reporting companies (such as the Company) to adopt ASU 2016-13 in fiscal years beginning after December 15, 2022, and interim periods within those years. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-04, “Codification Improvements to Topic 326, Financial Instruments—Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments”. Issued in April 2019, ASU 2019-04 clarifies and improves areas of guidance related to the recently issued standards on credit losses, hedging, and recognition and measurement of financial instruments. The amendments related to credit losses will be effective for the Company for reporting periods beginning after December 15, 2019. The amendments related to hedging will be effective for the Company for interim and annual periods beginning after December 15, 2018. The amendments related to recognition and measurement of financial instruments will be effective for the Company for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-01, Leases (Topic 842): Codification Improvements. Issued in March 2019, ASU 2019-01 aligns the guidance for fair value of the underlying asset by lessors that are not manufacturers or dealers in Accounting Standards Codification (ASC) 842, Leases, with that of the existing guidance (ASC 820, Fair Value Measurement).  As a result, the fair value of the underlying asset at lease commencement is its cost, reflecting any volume or trade discounts that may apply and costs incurred to acquire the asset, as per ASC 842, Leases. However, if there has been a significant lapse of time between when the underlying asset is acquired and when the lease commences, the definition of fair value (in ASC 820, Fair Value Measurement) should be applied. The ASU also requires lessors within the scope of ASC 942, Financial Services—Depository and Lending, to present all principal payments received under leases within investing activities. Finally, the ASU exempts both lessees and lessors from having to provide certain interim disclosures in the fiscal year in which a company adopts the new leases standard. The amendment is effective for the Company for fiscal years beginning after December 15, 2018, and interim periods within those years. The Company adopted the new guidance effective July 1, 2019.  This pronouncement will not have a material impact on the Company’s consolidated financial statements as the Company does not have any significant leases.

 

ASU 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement”. Issued in August 2018, ASU 2018-13 provides guidance about fair value measurement disclosures. The amendment requires numerous removals, modifications and additions of fair value disclosure information. The amendments in this update are effective for all entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years; early adoption is permitted. The amendments on changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements, and the narrative description of measurement uncertainty should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. An entity is permitted to early adopt any removed or modified disclosures upon issuance of this Update and delay adoption of the additional disclosures until their effective date. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

ASU 2017-08, “Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities”. Issued in March 2017, ASU 2017-08 amends the amortization period for certain callable debt securities held at a premium.  Specifically, the amendments require the premium to be amortized to the earliest call date.  The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.  The guidance is effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  Early adoption is permitted, including adoption in an interim period.  If an entity early adopts in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period.  The amendments were applied on a modified retrospective basis, with a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.  The Company adopted this standard on June 30, 2019 as reflected by a $245 adjustment to retained earnings.

 

8

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

ASU 2017-04, “Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment”. Issued in January 2017, ASU 2017-04 amendments eliminate Step 2 from the goodwill impairment test.  The amendments also eliminate the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test.  An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary.  The guidance is effective for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019.  Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017.  ASU 2017-04 should be adopted on a prospective basis.  The Company does not believe that this new guidance will have a material effect on its consolidated financial statements.

 

ASU 2016-13, “Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. Issued in June 2016, ASU 2016-13 provides financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis.  The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity’s current estimate of all expected credit losses.  The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense.  Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  The Company has determined that it will continue to prepare its credit loss allowance internally. The Company is currently evaluating the impact of ASU 2016-13 on its consolidated financial statements. On October 16, 2019, the FASB announced a delay in the implementation schedule allowing certain entities, including smaller reporting companies (such as the Company)  to adopt ASU 2016-13 in fiscal years beginning after December 15, 2022, and interim periods within those years.

 

There have been no accounting standards that have been issued or proposed by the FASB or other standards-setting bodies during this quarter that are expected to have a material impact on the Company’s financial position, results of operations or cash flows. The Company continues to evaluate the impact of standards previously issued and not yet effective, and have no changes in our assessment to disclose since filing of the Form 10-K.

 

(3)

EARNINGS PER SHARE (“EPS”)

 

Basic EPS is based on the weighted average number of common shares outstanding and is adjusted for ESOP shares not yet committed to be released.  Unvested restricted stock awards, which contain rights to non-forfeitable dividends, are considered participating securities and the two-class method of computing basic and diluted EPS is applied.  Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as outstanding stock options, were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company.  Diluted EPS is calculated by adjusting the weighted average number of shares of common stock outstanding to include the effect of contracts or securities exercisable (such as stock options) or which could be converted into common stock, if dilutive, using the treasury stock method.  The factors used in the earnings per common share computation follow: 

 

9

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

  

   Three Months Ended   Six Months Ended 
   December 31,
2019
   December 31,
2018
   December 31,
2019
   December 31,
2018
 
Earnings per share                
Net income  $1,090   $919   $2,024   $1,788 
Less:  distributed earnings allocated to participating securities   (1)   (1)   (2)   (3)
Less:  (undistributed income) dividends in excess of earnings allocated to participating securities   (1)   (2)   (1)   (2)
Net earnings available to common shareholders  $1,088   $916   $2,021   $1,783 
                     
Weighted average common shares outstanding including participating securities   5,719,941    5,762,678    5,729,799    5,768,419 
Less:  participating securities   (8,800)   (15,355)   (8,800)   (15,355)
Less: average unearned ESOP shares   (50,412)   (61,926)   (43,880)   (55,760)
Weighted average common shares outstanding   5,660,729    5,685,397    5,677,119    5,697,304 
                     
Basic earnings per share  $0.19   $0.16   $0.36   $0.31 
                     
Weighted average common shares outstanding   5,660,729    5,685,397    5,677,119    5,697,304 
Add:  dilutive effects of assumed exercises of stock options   66,874    119,788    65,850    123,711 
Average shares and dilutive potential common shares   5,727,603    5,805,185    5,742,969    5,821,015 
                     
Diluted earnings per share  $0.19   $0.16   $0.35   $0.31 

 

For the three and six months ended December 31, 2019, 11,200 shares were considered anti-dilutive as the exercise price was in excess of the average market price, and for the three and six months ended December 31, 2018, 22,400 shares were considered anti-dilutive as the exercise price was in excess of the average market price.

 

(4)SECURITIES AVAILABLE-FOR-SALE

 

Debt, mortgage-backed and equity securities have been classified in the consolidated balance sheets according to management’s intent. U.S. Government agency mortgage-backed securities consists of securities issued by U.S. Government agencies and U.S. Government sponsored enterprises. Investment securities at December 31, 2019 and June 30, 2019 are as follows:

 

10

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

  

       Gross   Gross   Change in     
   Amortized   Unrealized   Unrealized   Fair Value   Fair 
December 31, 2019  Cost   Gains   Losses   Equity Securities   Value 
Available-for-sale:                         
FHLMC common stock  $20   $   $   $224   $244 
Certificates of deposit   2,493    35            2,528 
Municipal securities   21,092    389    (27)       21,454 
SBA loan pools   18                18 
CMOs   12,883    86    (56)       12,913 
U.S. Government agency mortgage-backed securities   42,124    483    (27)       42,580 
U.S. Government agency bonds   6,009    10    (8)       6,011 
Total available-for-sale  $84,639   $1,003   $(118)  $224   $85,748 

  

       Gross   Gross   Change in     
   Amortized   Unrealized   Unrealized   Fair Value   Fair 
June 30, 2019  Cost   Gains   Losses   Equity Securities   Value 
Available-for-sale:                         
FHLMC common stock  $20   $   $   $192   $212 
Certificates of deposit   2,493    11    (5)       2,499 
Municipal securities   24,968    295    (38)       25,225 
SBA loan pools   22                22 
CMOs   14,889    111    (30)       14,970 
U.S. Government agency mortgage-backed securities   40,366    228    (52)       40,542 
U.S. Government agency bonds   11,980    10    (31)       11,959 
Total available-for-sale  $94,738   $655   $(156)  $192   $95,429 

 

Securities pledged at December 31, 2019 and June 30, 2019 had fair values of $20,160 and $26,029, respectively.  These securities were pledged to secure public deposits and Federal Home Loan Bank (“FHLB”) advances. 

 

At December 31, 2019 and June 30, 2019, there were no holdings of securities of any one issuer, other than U.S. Government agencies and U.S. Government sponsored enterprises, in an amount greater than 10% of shareholders’ equity.

 

11

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

  

The following tables show the fair value and unrealized loss of securities that have been in unrealized loss positions for less than twelve months and for twelve months or more at December 31, 2019 and June 30, 2019.  The tables also show the number of securities in an unrealized loss position for each category of investment security as of the respective dates. 

 

   Less than 12 Months   12 Months or More   Total 
   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1) 
December 31, 2019                                    
Available-for-sale:                                    
Municipal securities   2,518    (22)   7    634    (5)   1    3,152    (27)   8 
CMOs   3,499    (40)   7    1,202    (16)   3    4,701    (56)   10 

U.S. Government agency

mortgage-backed securities

   4,734    (27)   7                4,734    (27)   7 
U.S. Government agency bonds               992    (8)   1    992    (8)   1 
   $10,751   $(89)   21   $2,828   $(29)   5   $13,579   $(118)   26 

 

 

   Less than 12 Months   12 Months or More   Total 
   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1) 
June 30, 2019                                    
Available-for-sale:                                    
Certificates of deposit  $991   $(5)   4   $   $       $991   $(5)   4 
Municipal securities   745    (10)   2    3,750    (28)   7    4,495    (38)   9 
CMOs               3,059    (30)   7    3,059    (30)   7 

U.S. Government agency

mortgage-backed securities

   5,377    (9)   5    11,198    (43)   18    16,575    (52)   23 
U.S. Government agency bonds   4,475    (23)   4    2,013    (8)   2    6,488    (31)   6 
   $11,588   $(47)   15   $20,020   $(109)   34   $31,608   $(156)   49 

   

 

(1)

Actual amounts.              

 

The Company evaluates securities for other-than-temporary impairments (“OTTI”) at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.  The Company considers the length of time and the extent to which the fair value has been less than amortized cost and the financial condition and near-term prospects of the issuer.  Additionally, the Company considers its intent to sell or whether it will be more likely than not it will be required to sell the security prior to the security’s anticipated recovery in fair value.  In analyzing an issuer’s financial condition, the Company may consider whether the securities are issued by federal Government agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. 

 

None of the unrealized losses at December 31, 2019 were recognized into net income for the three or six months ended December 31, 2019 because the issuers’ bonds are of high credit quality, management does not intend to sell and it is more likely than not that management will not be required to sell the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates.  The fair value of these securities is expected to recover as they approach their maturity date or reset date.  None of the unrealized losses at June 30, 2019 were recognized as having OTTI during the year ended June 30, 2019.        

 

12

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

The following table presents the amortized cost and fair value of debt securities classified as available-for-sale at December 31, 2019 and June 30, 2019 by contractual maturity. 

 

   December 31, 2019   June 30, 2019 
   Amortized   Fair   Amortized   Fair 
   Cost   Value   Cost   Value 
Less than one year  $1,250   $1,250   $2,000   $1,994 
Due from one to five years   11,527    11,616    11,627    11,663 
Due after five years to ten years   10,471    10,685    18,817    18,955 
Due after ten years   6,364    6,460    7,019    7,093 

Mortgage-backed securities, CMOs and FHLMC stock (1)

   55,027    55,737    55,275    55,724 
Total available for sale  $84,639   $85,748   $94,738   $95,429 

 

 

(1)

Actual cash flows may differ from contractual maturities as borrowers may prepay obligations without prepayment penalty. FHLMC common stock is not scheduled because it has no contractual maturity date.     

 

The following table presents the gross proceeds from sales of securities available-for-sale and gains or losses recognized for the three and six months ended December 31, 2019 and 2018:

 

   Three Months Ended   Six Months Ended 
Available-for-sale:  December 31,
2019
   December 31,
2018
   December 31,
2019
   December 31,
2018
 
Proceeds  $   $   $5,268   $1,193 
Gross gains           15    3 
Gross losses           (3)   (2)

  

The tax provision related to the net realized gain for the six months ended December 31, 2019 was $3, and for the six months ended December 31, 2018 was less than $1.

 

(5)LOANS

 

The components of loans at December 31, 2019 and June 30, 2019 were as follows:

  

   December 31,
2019
   June 30,
2019
 
Real estate loans:          
One-to-four family  $289,358   $289,077 
Multi-family   1,535    1,605 
Home equity   6,241    5,191 
Nonresidential   17,579    19,350 
Agricultural   1,491    1,510 
Construction and land   33,605    33,651 
 Total real estate loans   349,809    350,384 
Commercial and industrial   4,208    4,390 
Consumer and other loans   6,226    5,314 
     Total loans  $360,243   $360,088 

 

13

 

 

OCONEE FEDERAL FINANCIAL CORP. 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)

  

The following tables present the activity in the allowance for loan losses for the three and six months ended December 31, 2019 by portfolio segment:

 

Three months ended December 31, 2019

 

Beginning
Balance

 

 

Provision

 

 

Charge-offs

 

 

Recoveries

 

 

Ending
Balance

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One-to-four family

 

$

993

 

 

$

 

 

$

 

 

$

 

 

$

993

 

Multi-family

 

 

4

 

 

 

 

 

 

 

 

 

 

 

 

4

 

Home equity

 

 

29

 

 

 

4

 

 

 

 

 

 

 

 

 

33

 

Nonresidential

 

 

85

 

 

 

(8

)

 

 

 

 

 

 

 

 

77

 

Agricultural

 

 

4

 

 

 

 

 

 

 

 

 

 

 

 

4

 

Construction and land

 

 

87

 

 

 

7

 

 

 

 

 

 

 

 

 

94

 

Total real estate loans

 

 

1,202

 

 

 

3

 

 

 

 

 

 

 

 

 

1,205

 

Commercial and industrial

 

 

70

 

 

 

(4

)

 

 

 

 

 

 

 

 

66

 

Consumer and other loans

 

 

25

 

 

 

1

 

 

 

(1

)

 

 

 

 

 

25

 

Total loans

 

$

1,297

 

 

$

 

 

$

(1

)

 

$

 

 

$

1,296

 

 

Six months ended December 31, 2019  Beginning
Balance
   Provision   Charge-offs   Recoveries   Ending
Balance
 
Real estate loans:                         
One-to-four family  $995   $(2)  $   $   $993 
Multi-family   4                4 
Home equity   24    9            33 
Nonresidential   87    (10)           77 
Agricultural   3    1            4 
Construction and land   94                94 
Total real estate loans   1,207    (2)           1,205 
Commercial and industrial   67    (1)           66 
Consumer and other loans   23    3    (1)       25 
Total loans  $1,297   $   $(1)  $   $1,296 

 

14 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)

 

The following table presents the recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment at December 31, 2019:

 

   Ending Allowance on Loans:   Loans: 
At December 31, 2019  Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
   Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
 
Real estate loans:                    
One-to-four family  $   $993   $2,223   $287,135 
Multi-family       4        1,535 
Home equity       33        6,241 
Nonresidential       77    587    16,992 
Agricultural       4    320    1,171 
Construction and land       94        33,605 
Total real estate loans       1,205    3,130    346,679 
Commercial and industrial       66        4,208 
Consumer and other loans       25        6,226 
Total loans  $   $1,296   $3,130   $357,113 

 

The following tables present the activity in the allowance for loan losses for the three and six months ended December 31, 2018 by portfolio segment:

 

Three months ended December 31, 2018  Beginning
Balance
   Provision   Charge-offs   Recoveries   Ending
Balance
 
Real estate loans:                         
One-to-four family  $956   $29   $   $   $985 
Multi-family   4                4 
Home equity   13    2            15 
Nonresidential   69    35            104 
Agricultural   1                1 
Construction and land   98    (1)           97 
Total real estate loans   1,141    65            1,206 
Commercial and industrial   3    15            18 
Consumer and other loans   7    (4)           3 
Total loans  $1,151   $76   $   $   $1,227 

 

Six months ended December 31, 2018  Beginning
Balance
   Provision   Charge-offs   Recoveries   Ending
Balance
 
Real estate loans:                         
One-to-four family  $939   $64   $(18)  $   $985 
Multi-family   4                4 
Home equity   8    7            15 
Nonresidential   66    38            104 
Agricultural   1                1 
Construction and land   74    23            97 
Total real estate loans   1,092    132    (18)       1,206 
Commercial and industrial   4    14            18 
Consumer and other loans   1    2            3 
Total loans  $1,097   $148   $(18)  $   $1,227 

 

15 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)

 

The following table presents the recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment at June 30, 2019:

 

   Ending Allowance on Loans:   Loans: 
At June 30, 2019  Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
   Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
 
Real estate loans:                    
One-to-four family  $   $995   $2,291   $286,786 
Multi-family       4        1,605 
Home equity       24        5,191 
Nonresidential       87    613    18,737 
Agricultural       3    356    1,154 
Construction and land       94        33,651 
Total real estate loans       1,207    3,260    347,124 
Commercial and industrial       67        4,390 
Consumer and other loans       23        5,314 
Total loans  $   $1,297   $3,260   $356,828 

 

The tables below present loans that were individually evaluated for impairment by portfolio segment at December 31, 2019 and June 30, 2019, including the average recorded investment balance and interest earned for the six months ended December 31, 2019 and the year ended June 30, 2019:

 

16 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited) 

(Amounts in thousands, except share and per share data)

 

   December 31, 2019 
   Unpaid Principal Balance   Recorded Investment   Related Allowance   Average Recorded Investment   Interest Income Recognized 
With no recorded allowance:                         
Real estate loans:                         
One-to-four family  $2,300   $2,223   $   $2,257   $31 
Multi-family                    
Home equity                    
Nonresidential   621    587        600     
Agricultural   869    320        338     
Construction and land                    
Total real estate loans   3,790    3,130        3,195    31 
Commercial and industrial                    
Consumer and other loans                    
Total  $3,790   $3,130   $   $3,195   $31 
                          
With recorded allowance:                         
Real estate loans:                         
One-to-four family  $   $   $   $   $ 
Multi-family                    
Home equity                    
Nonresidential                    
Agricultural                    
Construction and land                    
Total real estate loans                    
Commercial and industrial                    
Consumer and other loans                    
Total  $   $   $   $   $ 
                          
Totals:                         
Real estate loans  $3,790   $3,130   $   $3,195   $31 
Consumer and other loans                    
Total  $3,790   $3,130   $   $3,195   $31 

 

17 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited) 

(Amounts in thousands, except share and per share data)

 

   June 30, 2019 
   Unpaid
Principal
Balance
   Recorded
Investment
   Related
Allowance
   Average
Recorded
Investment
   Interest
Income
Recognized
 
With no recorded allowance:                         
Real estate loans:                         
One-to-four family  $2,375   $2,291   $   $2,363   $53 
Multi-family                    
Home equity                    
Nonresidential   648    613        642     
Agricultural   905    356        390     
Construction and land                    
Total real estate loans   3,928    3,260        3,395    53 
Commercial and industrial                    
Consumer and other loans                    
Total  $3,928   $3,260   $   $3,395   $53 

 

                         
With recorded allowance:                         
Real estate loans:                         
One-to-four family  $   $   $   $   $ 
Multi-family                    
Home equity                    
Nonresidential                    
Agricultural                    
Construction and land                    
Total real estate loans                    
Commercial and industrial                    
Consumer and other loans                    
Total  $   $   $   $   $ 
                          
Totals:                         
Real estate loans  $3,928   $3,260   $   $3,395   $53 
Consumer and other loans                    
Total  $3,928   $3,260   $   $3,395   $53 

 

18 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)

 

The following tables present the aging of past due loans as well as nonaccrual loans.  Nonaccrual loans and accruing loans past due 90 days or more include both smaller balance homogenous loans and larger balance loans that are evaluated either collectively or individually for impairment. 

 

Total past due loans and nonaccrual loans at December 31, 2019:

 

  

30-59
Days
Past Due

  

60-89
Days
Past Due

  

90 Days
or More
Past Due

  

Total
Past Due

   Current  

Total
Loans

  

Nonaccrual
Loans

  

Accruing
Loans
Past Due 90
 Days or More

 
Real estate loans:                                        
One-to-four family  $3,773   $2,421   $237   $6,431   $282,927   $289,358   $2,349   $ 
Multi-family   224            224    1,311    1,535         
Home equity   77        40    117    6,124    6,241    777     
Nonresidential   512            512    17,067    17,579    29     
Agricultural                   1,491    1,491    40     
Construction and land   40            40    33,565    33,605    320     
Total real estate loans   4,626    2,421    277    7,324    342,485    349,809    3,515     
Commercial and industrial                   4,208    4,208         
Consumer and other loans                   6,226    6,226         
Total  $4,626   $2,421   $277   $7,324   $352,919   $360,243   $3,515   $ 

 

Total past due and nonaccrual loans by portfolio segment at June 30, 2019:

 

  

30-59
Days
Past Due

  

60-89
Days
Past Due

  

90 Days
or More
Past Due

  

Total
Past Due

   Current  

Total
Loans

  

Nonaccrual
Loans

  

Accruing
Loans
Past Due 90
Days or More

 
Real estate loans:                                        
One-to-four family  $5,879   $1,486   $229   $7,594   $281,483   $289,077   $2,674   $ 
Multi-family   228            228    1,377    1,605         
Home equity   64        40    104    5,087    5,191    40     
Nonresidential   458            458    18,892    19,350    816     
Agricultural                   1,510    1,510    356     
Construction and land   308    31        339    33,312    33,651    31     
Total real estate loans   6,937    1,517    269    8,723    341,661    350,384    3,917     
Commercial and industrial                   4,390    4,390         
Consumer and other loans   8            8    5,306    5,314         
Total  $6,945   $1,517   $269   $8,731   $351,357   $360,088   $3,917   $ 

 

19 

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

Troubled Debt Restructurings:

 

At December 31, 2019 and June 30, 2019, total loans that have been modified as troubled debt restructurings were $2,488 and $2,675, respectively, which consisted of one agricultural loan, two non-residential real estate loans and four one-to-four family first lien loans at December 31, 2019 and June 30, 2019. There was no specific allowance for loss established for these loans at December 31, 2019 or June 30, 2019.  Additionally, there were no commitments to lend any additional amounts on any loan after the modification.  No loans have been modified as troubled debt restructurings during the six months ended December 31, 2019. No loans modified as troubled debt restructurings during the twelve months ended December 31, 2019 have defaulted since restructuring.  All of these loans are on nonaccrual at December 31, 2019 and June 30, 2019. At December 31, 2019 and June 30, 2019, $2,171 and $2,291, respectively, were individually evaluated for impairment.

 

Loan Grades:

 

The Company utilizes a grading system whereby all loans are assigned a grade based on the risk profile of each loan. Loan grades are determined based on an evaluation of relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. All loans, regardless of size, are analyzed and are given a grade based upon the management’s assessment of the ability of borrowers to service their debts.

 

Pass:  Loan assets of this grade conform to a preponderance of our underwriting criteria and are acceptable as a credit risk, based upon the current net worth and paying capacity of the obligor. Loans in this category also include loans secured by liquid assets and secured loans to borrowers with unblemished credit histories.

 

Pass-Watch:  Loan assets of this grade represent our minimum level of acceptable credit risk.  This grade may also represent obligations previously rated “Pass”, but with significantly deteriorating trends or previously rated.

 

Special Mention:  Loan assets of this grade have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects for the loan or of the institution’s credit position at some future date.

 

Substandard:  Loan assets of this grade are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

 

Portfolio Segments:

 

One-to-four family:  One-to-four family residential loans consist primarily of loans secured by first or second deeds of trust on primary residences, and are originated as adjustable-rate or fixed-rate loans for the construction, purchase or refinancing of a mortgage.  These loans are collateralized by owner-occupied properties located in the Company’s market area.  The Company currently originates residential mortgage loans for our portfolio with loan-to-value ratios of up to 80% for traditional owner-occupied homes. 

 

For traditional homes, the Company may originate loans with loan-to-value ratios in excess of 80% if the borrower obtains mortgage insurance or provides readily marketable collateral.  The Company may make exceptions for special loan programs that we offer.  The Company also originates residential mortgage loans for non-owner-occupied homes with loan-to-value ratios of up to 80%. 

 

The Company historically originated residential mortgage loans with loan-to-value ratios of up to 75% for manufactured or modular homes.  The Company no longer offers residential mortgage loans for manufactured or modular homes as of December 1, 2014.  However, renewals of existing performing credits that meet the Company’s underwriting requirements will be considered.  The Company requires lower loan-to-value ratios for manufactured and modular homes because such homes tend to depreciate over time.  Manufactured or modular homes must be permanently affixed to a lot to make them more difficult to move without the Company’s permission.  Such homes must be “de-titled” by the State of South Carolina or Georgia so that they are taxed and must be transferred as residential homes rather than vehicles.  The Company also obtains a mortgage on the real estate to which such homes are affixed. 

 

 20

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)   

 

Multi-family:  Multi-family real estate loans generally have a maximum term of five years with a 30 year amortization period and a final balloon payment and are secured by properties containing five or more units in the Company’s market area.  These loans are generally made in amounts of up to 75% of the lesser of the appraised value or the purchase price of the property with an appropriate projected debt service coverage ratio.  The Company’s underwriting analysis includes considering the borrower’s expertise and requires verification of the borrower’s credit history, income and financial statements, banking relationships, independent appraisals, references and income projections for the property.  The Company generally obtains personal guarantees on these loans. 

 

Multi-family real estate loans generally present a higher level of risk than loans secured by one-to-four family residences.  This greater risk is due to several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income-producing properties and the increased difficulty of evaluating and monitoring these types of loans.  Furthermore, the repayment of loans secured by multi-family residential real estate is typically dependent upon the successful operation of the related real estate project. 

 

Home Equity:  The Company offers home equity loans and lines of credit secured by first or second deeds of trust on primary residences in our market area.  The Company’s home equity loans and lines of credit are limited to an 80% loan-to-value ratio (including all prior liens).  Standard residential mortgage underwriting requirements are used to evaluate these loans.  The Company offers adjustable-rate and fixed-rate options for these loans with a maximum term of 10 years.  The repayment terms on lines of credit are interest only monthly with principle due at maturity.  Home equity loans have a more traditional repayment structure with principal and interest due monthly.  The maximum term on home equity loans is 10 years with an amortization schedule not exceed 20 years.

 

Nonresidential Real Estate:  Nonresidential loans include those secured by real estate mortgages on churches, owner-occupied and non-owner-occupied commercial buildings of various types, retail and office buildings, hotels, and other business and industrial properties.  The nonresidential real estate loans that the Company originates generally have terms of five to 20 years with amortization periods up to 20 years.  The maximum loan-to-value ratio of our nonresidential real estate loans is generally 75%.

 

Loans secured by nonresidential real estate generally are larger than one-to-four family residential loans and involve greater credit risk.  Nonresidential real estate loans often involve large loan balances to single borrowers or groups of related borrowers.  Repayment of these loans depends to a large degree on the results of operations and management of the properties securing the loans or the businesses conducted on such property, and may be affected to a greater extent by adverse conditions in the real estate market or the economy in general, including the current adverse conditions.  Our nonresidential real estate lending includes a significant amount of loans to churches.  Because a church’s financial stability often depends on donations from congregation members rather than income from business operations, repayment may be affected by economic conditions that affect individuals located both in our market area and in other market areas with which we are not as familiar.  In addition, due to the unique nature of church buildings and properties, the real estate securing church loans may be less marketable than other nonresidential real estate.

 

The Company considers a number of factors in originating nonresidential real estate loans.  The Company evaluates the qualifications and financial condition of the borrower, including credit history, cash flows, the applicable business plan, the financial resources of the borrower, the borrower’s experience in owning or managing similar property and the borrower’s payment history with the Company and other financial institutions.  In evaluating the property securing the loan, the factors the Company considers include the net operating income of the mortgaged property before debt service and depreciation, the ratio of the loan amount to the appraised value of the mortgaged property and the debt service coverage ratio (the ratio of net operating income to debt service).  For church loans, the Company also considers the length of time the church has been in existence, the size and financial strength of the denomination with which it is affiliated, attendance figures and growth projections and current operating budgets.  The collateral underlying all nonresidential real estate loans is appraised by outside independent appraisers approved by our board of directors.  Personal guarantees may be obtained from the principals of nonresidential real estate borrowers, and in the case of church loans, guarantees from the applicable denomination may be obtained.              

 

 21

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)   

 

Agricultural:  These loans are secured by farmland and related improvements in the Company’s market area.  These loans generally have terms of five to 20 years with amortization periods up to 20 years.  The maximum loan-to-value ratio of these loans is generally 75%.  The Company is managing a small number of these loans in our portfolio.  We continue to closely monitor our existing relationships.

 

Loans secured by agricultural real estate generally are larger than one-to-four family residential loans and involve greater credit risk.  Agricultural real estate loans often involve large loan balances to single borrowers or groups of related borrowers.  Repayment of these loans depends to a large degree on the results of operations and management of the properties securing the loans or the businesses conducted on such property, and may be affected to a greater extent by adverse conditions in the real estate market or the economy in general, including the current adverse conditions.

 

Construction and Land:  The Company makes construction loans to individuals for the construction of their primary residences and to commercial businesses for their real estate needs.  These loans generally have maximum terms of twelve months, and upon completion of construction convert to conventional amortizing mortgage loans.  Residential construction loans have rates and terms comparable to one-to-four family residential mortgage loans that the Company originates.  Commercial construction loans have rate and terms comparable to commercial loans that we originate.  During the construction phase, the borrower generally pays interest only.  Generally, the maximum loan-to-value ratio of our owner-occupied construction loans is 80%.  Residential construction loans are generally underwritten pursuant to the same guidelines used for originating permanent residential mortgage loans.  Commercial construction loans are generally underwritten pursuant to the same guidelines used for originating commercial loans.

 

The Company also makes interim construction loans for nonresidential properties.  In addition, the Company occasionally makes loans for the construction of homes “on speculation,” but the Company generally permits a borrower to have only two such loans at a time.  These loans generally have a maximum term of eight months, and upon completion of construction convert to conventional amortizing nonresidential real estate loans.  These construction loans have rates and terms comparable to permanent loans secured by property of the type being constructed that we originate.  Generally, the maximum loan-to-value ratio of these construction loans is 85%. 

 

Commercial and Industrial Loans:  Commercial and industrial loans are offered to businesses and professionals in the Company’s market area.  These loans generally have short and medium terms on both a collateralized and uncollateralized basis.  The structure of these loans are largely determined by the loan purpose and collateral.  Sources of collateral can include a lien on furniture, fixtures, equipment, inventory, receivables and other assets of the company.  A UCC-1 is typically filed to perfect our lien on these assets.

 

Commercial and industrial loans and leases typically are underwritten on the basis of the borrower’s or lessee’s ability to make repayment from the cash flow of its business and generally are collateralized by business assets. As a result, such loans and leases involve additional complexities, variables and risks and require more thorough underwriting and servicing than other types of loans and leases.

 

Consumer and Other Loans:  The Company offers installment loans for various consumer purposes, including the purchase of automobiles, boats, and for other legitimate personal purposes.  The maximum terms of consumer loans is 18 months for unsecured loans and 18 to 60 months for loans secured by a vehicle, depending on the age of the vehicle.  The Company generally only extends consumer loans to existing customers or their immediate family members, and these loans generally have relatively low balances. 

 

Consumer loans may entail greater credit risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured or are secured by rapidly depreciable assets, such as automobiles.  In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances.  Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. Based on the most recent analysis performed, the risk grade of loans by portfolio segment are presented in the following tables. 

 

 22

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data)

 

Total loans by risk grade and portfolio segment at December 31, 2019:

 

 

 

Pass

 

 

Pass-Watch

 

 

Special
Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One-to-four family

 

$

277,492

 

 

$

4,655

 

 

$

2,945

 

 

$

4,266

 

 

$

 

 

$

289,358

 

Multi-family

 

 

 1,535

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 1,535

 

Home equity

 

 

 5,715

 

 

 

 420

 

 

 

 57

 

 

 

 49

 

 

 

 

 

 

 6,241

 

Nonresidential

 

 

 16,375

 

 

 

 341

 

 

 

 

 

 

 863

 

 

 

 

 

 

 17,579

 

Agricultural

 

 

 1,171

 

 

 

 

 

 

 

 

 

 320

 

 

 

 

 

 

 1,491

 

Construction and land

 

 

 33,101

 

 

 

 431

 

 

 

 

 

 

 73

 

 

 

 

 

 

 33,605

 

Total real estate loans

 

 

 335,389

 

 

 

 5,847

 

 

 

 3,002

 

 

 

 5,571

 

 

 

 

 

 

 349,809

 

Commercial and industrial

 

 

 4,208

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 4,208

 

Consumer and other loans

 

 

 6,226

 

 

 

 —

 

 

 

 —

 

 

 

 —

 

 

 

 —

 

 

 

 6,226

 

Total

 

$

345,823

 

 

$

5,847

 

 

$

3,002

 

 

$

5,571

 

 

$

 

 

$

360,243

 

  

Total loans by risk grade and portfolio segment at June 30, 2019:

 

 

 

Pass

 

 

Pass-Watch

 

 

Special
Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One-to-four family

 

$

276,141

 

 

$

5,316

 

 

$

3,217

 

 

$

4,403

 

 

$

 

 

$

289,077

 

Multi-family

 

 

 1,605

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 1,605

 

Home equity

 

 

 4,733

 

 

 

 313

 

 

 

 69

 

 

 

 76

 

 

 

 

 

 

 5,191

 

Nonresidential

 

 

 17,951

 

 

 

 491

 

 

 

 

 

 

 908

 

 

 

 

 

 

 19,350

 

Agricultural

 

 

 1,154

 

 

 

 

 

 

 

 

 

 356

 

 

 

 

 

 

 1,510

 

Construction and land

 

 

33,130

 

 

 

446

 

 

 

 

 

 

75

 

 

 

 

 

 

33,651

 

Total real estate loans

 

 

 334,714

 

 

 

 6,566

 

 

 

 3,286

 

 

 

 5,818

 

 

 

 

 

 

 350,384

 

Commercial and industrial

 

 

 4,390

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 4,390

 

Consumer and other loans

 

 

5,314

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,314

 

Total

 

$

344,418

 

 

$

6,566

 

 

$

3,286

 

 

$

5,818

 

 

$

 

 

$

360,088

 

 

At December 31, 2019, loans totaling $109 were in formal foreclosure proceedings and are included in the one-to-four family loan category.

 

 23

 

 

OCONEE FEDERAL FINANCIAL CORP.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
(Unaudited)
(Amounts in thousands, except share and per share data) 

 

6)           BORROWINGS

 

There were no Federal Home Loan Bank advances outstanding at December 31, 2019. At June 30, 2019, advances from the Federal Home Loan Bank were as follows:

 

    June 30, 2019  
    Balance     Stated Interest Rate  
FHLB advances due September 2019 through December 2019   $ 19,000        2.62% - 2.78 %
 Total   $ 19,000          

  

The average interest rate of all outstanding FHLB advances was 2.75% on June 30, 2019.

 

Each advance was payable at its maturity date, with a prepayment penalty for fixed rate advances. The advances were collateralized by $22,632 of investment securities at June 30, 2019. The Association has also pledged as collateral FHLB stock and has entered into a blanket collateral agreement whereby qualifying mortgages, free of other encumbrances and at various discounted values as determined by the FHLB, will be maintained. Based on this collateral, the Association is eligible to borrow up to a total of $130,998 at December 31, 2019.

 

There were no overnight borrowings at December 31, 2019 or June 30, 2019.

 

(7)           FAIR VALUE OF FINANCIAL INSTRUMENTS

 

Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair values:

 

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

 

Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

Investment Securities:

 

The fair values for investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

 

Impaired Loans: 

 

The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.  Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification.  Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

 24

 

 

OCONEE FEDERAL FINANCIAL CORP.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
(Unaudited)
(Amounts in thousands, except share and per share data) 

 

Real Estate Owned: 

 

Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  Fair value is commonly based on recent real estate appraisals, which are updated no less frequently than annually.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Appraisals for both collateral-dependent impaired loans and real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company.  Once received, management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.  On an annual basis, the Company compares the actual selling price of collateral that has been sold to the most recent appraised value to determine what additional adjustment should be made to the appraisal value to arrive at fair value.

 

Loan Servicing Rights:    

 

Fair value is determined based on a valuation model that calculates the present value of estimated future net servicing income.  The valuation model utilizes assumptions that market participants would use in estimating future net servicing income and that can be validated against available market data and results in a Level 3 classification.

 

Assets and liabilities measured at fair value on a recurring basis at December 31, 2019 and June 30, 2019 are summarized below:

 

 

 

Fair Value Measurements

 

 

 

December 31, 2019

 

 

June 30, 2019

 

 

 

(Level 2)

 

 

(Level 3)

 

 

(Level 2)

 

 

(Level 3)

 

Financial assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities available-for-sale:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FHLMC common stock

 

$

244

 

 

$

 

 

$

212

 

 

$

 

Certificates of deposit

 

 

 2,528

 

 

 

 

 

 

 2,499

 

 

 

 

Municipal securities

 

 

 21,454

 

 

 

 

 

 

 25,225

 

 

 

 

SBA loan pools

 

 

 18

 

 

 

 

 

 

 22

 

 

 

 

CMOs

 

 

 12,913

 

 

 

 

 

 

 14,970

 

 

 

 

U.S. Government agency mortgage-backed securities

 

 

 42,580

 

 

 

 

 

 

 40,542

 

 

 

 

U.S. Government agency bonds

 

 

 6,011

 

 

 

 —

 

 

 

 11,959

 

 

 

 —

 

Total securities available-for-sale

 

 

 85,748

 

 

 

 

 

 

 95,429

 

 

 

 

Loan servicing rights

 

 

 —

 

 

 

 781

 

 

 

 —

 

 

 

 868

 

Total financial assets

 

$

85,748

 

 

$

781

 

 

$

95,429

 

 

$

868

 

 

 25

 

 

OCONEE FEDERAL FINANCIAL CORP. 
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
(Unaudited) 
(Amounts in thousands, except share and per share data) 

 

Presented in the table below are assets measured at fair value on a nonrecurring basis using level 3 inputs at December 31, 2019 and June 30, 2019:

 

 

 

Fair Value Measurements

 

 

 

December 31,
2019

 

 

June 30,
2019

 

 

 

(Level 3)

 

 

(Level 3)

 

Non-financial assets:

 

 

 

 

 

 

 

 

Real estate owned, net:

 

 

 

 

 

 

 

 

One-to-four family

 

$

136

 

 

$

226

 

Nonresidential

 

 

 481

 

 

 

 585

 

Total non-financial assets

 

 

 617

 

 

 

 811

 

Total assets measured at fair value on a non-recurring basis

 

$

617

 

 

$

811

 

 

Real estate owned is carried at the lower of carrying value or fair value less costs to sell.  The carrying value of real estate owned at December 31, 2019 and June 30, 2019 was $617 and $811, respectively. The valuation allowances associated with these properties at December 31, 2019 and June 30, 2019 was $117 and $38, respectively. 

 

The table below presents a reconciliation of all Level 3 assets measured at fair value on a recurring basis using significant unobservable inputs for the three and six months ended December 31, 2019 and 2018:

 

 

 

Fair Value Measurements

 

 

 

(Level 3)

 

 

 

Three Months Ended

 

 

Six Months Ended

 

 

 

December 31,
 2019

 

 

December 31,
 2018

 

 

December 31,
 2019

 

 

December 31,
 2018

 

 

 

Loan
Servicing
Rights

 

 

Loan
Servicing
Rights

 

 

Loan
Servicing
Rights

 

 

Loan
Servicing
Rights

 

Balance at beginning of period:

 

$

815

 

 

$

1,050

 

 

$

868

 

 

$

1,093

 

Purchases

 

 

 

 

 

 

 

 

 

 

 

 

Unrealized net losses included in net income

 

 

 (34

)

 

 

 (33

)

 

 

 (87

)

 

$

(76

)

Balance at end of period:

 

$

781

 

 

$

1,017

 

 

$

781

 

 

$

1,017

 

 

 26

 

 

OCONEE FEDERAL FINANCIAL CORP. 
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
(Unaudited) 
(Amounts in thousands, except share and per share data) 

 

The table below presents the valuation methodology and unobservable inputs for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2019 and June 30, 2019.

 

    Level 3 Quantitative Information 
   December 31, 
2019
   June 30, 
2019
   Valuation
Technique
  Unobservable Inputs   Range 
   Fair Value   Fair Value           
Loan servicing rights  $781   $868   Discounted cash flows  Discount rate, estimated timing of cash flows   9.25% to 9.75% 
                    
Real estate owned net:                  
One-to-four family  $136   $226   Sales comparison approach  Adjustment for differences between the comparable sales  0% to 20% 
Nonresidential  $481   $585   Sales comparison approach  Adjustment for differences between the comparable sales   0% to 20% 

 

 27

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

Many of the Company’s assets and liabilities are short-term financial instruments whose carrying amounts reported in the consolidated balance sheets approximate fair value.  These items include cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable balances, variable rate loan and deposits that re-price frequently and fully.  The estimated fair values of the Company’s remaining on-balance sheet financial instruments at December 31, 2019 and June 30, 2019 are summarized below:

 

 

 

December 31, 2019

 

 

 

Carrying

 

 

Fair Value

 

 

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

Total

 

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities available-for-sale

 

$

85,748

 

 

$

 

 

$

85,748

 

 

$

 

 

$

85,748

 

Loans, net (1)

 

 

 358,947

 

 

 

 

 

 

 

 

 

 361,305

 

 

 

 361,305

 

Loan servicing rights

 

 

 781

 

 

 

 

 

 

 

 

 

 781

 

 

 

 781

 

Restricted equity securities

 

 

 1,046

 

 

 

 N/A

 

 

 

 N/A

 

 

 

 N/A

 

 

 

 N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

$

412,402

 

 

$

195,767

 

 

$

213,493

 

 

$

 

 

$

409,260

 

  

 

 

June 30, 2019

 

 

 

Carrying

 

 

Fair Value

 

 

 

Amount

 

 

(Level 1)

 

 

(Level 2)

 

 

(Level 3)

 

 

Total

 

Financial assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities available-for-sale

 

$

95,429

 

 

$

 

 

$

95,429

 

 

$

 

 

$

95,429

 

 Loans, net (1)

 

 

 358,791

 

 

 

 

 

 

 

 

 

 358,473

 

 

 

 358,473

 

Loan servicing rights

 

 

 868

 

 

 

 

 

 

 

 

 

 868

 

 

 

 868

 

Restricted equity securities

 

 

 1,854

 

 

 

 N/A

 

 

 

 N/A

 

 

 

 N/A

 

 

 

 N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

$

419,106

 

 

$

196,466

 

 

$

218,985

 

 

$

 

 

$

415,451

 

FHLB Advances

 

 

 19,000

 

 

 

 

 

 

 19,000

 

 

 

 

 

 

 19,000

 

 

 

(1)Carrying amount of loans is net of unearned income and the allowance. In accordance with the adoption of ASU No. 2016-01, the fair value of loans as of December 31, 2019 and June 30, 2019 was measured using an exit price notion.

 

(8)           EMPLOYEE STOCK OWNERSHIP PLAN

 

Employees participate in an Employee Stock Ownership Plan (“ESOP”).  The ESOP borrowed from the Company to purchase 248,842 shares of the Company’s common stock at $10.00 per share during 2011.  The Company makes discretionary contributions to the ESOP and pays dividends on unallocated shares to the ESOP, and the ESOP uses funds it receives to repay the loan.  When loan payments are made, ESOP shares are allocated to participants based on relative compensation and expense is recorded.  Dividends on allocated shares increase participant accounts.

 

Participants receive the shares at the end of employment.  The Company makes contributions to the ESOP each December. There were no discretionary contributions made to the ESOP for debt retirement in 2019 or 2018. Total ESOP compensation expense for the three and six months ended December 31, 2019 was $91 and $185, respectively, and for the three and six months ended December 31, 2018 was $116 and $231, respectively.

 

 28

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

Shares held by the ESOP at December 31, 2019 and June 30, 2019 were as follows:

 

   December 31,
 2019
  June 30,
2019
 
Committed to be released to participants   23,865    11,983 
Allocated to participants   127,257    127,257 
Unearned   41,579    59,245 
Total ESOP shares   192,701    198,485 
           
Fair value of unearned shares  $1,081   $1,360 

  

(9)           STOCK BASED COMPENSATION

 

On April 5, 2012, the shareholders of Oconee Federal Financial Corp. approved the Oconee Federal Financial Corp. 2012 Equity Incentive Plan (the “Plan”) for employees and directors of the Company.  The Plan authorizes the issuance of up to 435,472 shares of the Company’s common stock, with no more than 124,420 of shares as restricted stock awards and 311,052 as stock options, either incentive stock options or non-qualified stock options.  The exercise price of options granted under the Plan may not be less than the fair market value on the date the stock option is granted.  The compensation committee of the board of directors has sole discretion to determine the amount and to whom equity incentive awards are granted.

 

There have been no stock options or restricted stock issued in fiscal 2020 or fiscal 2019.

 

The following table summarizes stock option activity for the six months ended December 31, 2019:

 

 

 

Options

 

 

Weighted-
Average
Exercise
Price/Share

 

 

Aggregate
Intrinsic
Value (1)

 

Outstanding - June 30, 2019

 

 

 169,519

 

 

$

14.65

 

 

 

 

 

Granted

 

 

 

 

 

 

 

 

 

 

Exercised

 

 

 

 

 

 

 

 

 

 

Forfeited

 

 

 (5,200

)

 

 

29.33

 

 

 

 

 

Outstanding - December 31, 2019

 

 

 164,319

 

 

$

14.18

 

 

$

1,943

 

Fully vested and exercisable at December 31, 2019

 

 

 143,419

 

 

$

12.86

 

 

$

1,886

 

Expected to vest in future periods

 

 

 20,900

 

 

 

 

 

 

 

 

 

Fully vested and expected to vest - December 31, 2019

 

 

 164,319

 

 

$

14.18

 

 

$

1,943

 

 

 

(1)

The intrinsic value for stock options is defined as the difference between the current market value and the exercise price.  The current market price was based on the closing price of common stock of $26.01 per share on December 31, 2019. 

 

 29

 

 

OCONEE FEDERAL FINANCIAL CORP.

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(Amounts in thousands, except share and per share data) 

 

Stock options are assumed to be earned ratably over their respective vesting periods and charged to compensation expense based upon their grant date fair value and the number of options assumed to be earned. There were 2,470 and 8,070 options that were earned during the six months ended December 31, 2019 and 2018, respectively. Stock-based compensation expense for stock options for the three and six months ended December 31, 2019 was $6 and $10, respectively, and for the three and six months ended December 31, 2018 was $11 and $21, respectively. Total unrecognized compensation cost related to stock options was $67 at December 31, 2019 and is expected to be recognized over a weighted-average period of 3.1 years.

 

The following table summarizes non-vested restricted stock activity for the six months ended December 31, 2019:

 

    December 31,
 2019
 
Balance - beginning of year      8,800  
Granted      
Forfeited      
Vested      —  
Balance - end of period      8,800  
Weighted average grant date fair value   $ 19.77  

  

The fair value of the restricted stock awards is amortized to compensation expense over their respective vesting periods and is based on the market price of the Company’s common stock at the date of grant multiplied by the number of shares granted that are expected to vest. Stock-based compensation expense for restricted stock included in noninterest expense for the three and six months ended December 31, 2019 was $15 and $30, respectively, and for the three and six months ended December 31, 2018 was $25 and $51, respectively. Unrecognized compensation expense for non-vested restricted stock awards was $119 at December 31, 2019 and is expected to be recognized over a weighted-average period of 2.2 years. 

 

(10)         LOAN SERVICING RIGHTS

 

Mortgage loans serviced for others are not reported as assets; however, the underlying mortgage servicing rights associated with servicing these mortgage loans serviced for others is recorded as an asset in the consolidated balance sheet. 

 

The principal balances of those loans at December 31, 2019 and June 30, 2019 are as follows:

 

   December 31,
2019
   June 30,
2019
 
Mortgage loan portfolio serviced for:          
FHLMC  $72,606   $83,938 

 

Custodial escrow balances maintained in connection with serviced loans were $366 and $771 at December 31, 2019 and June 30, 2019.

 

Activity for loan servicing rights for the three and six months ended December 31, 2019 and 2018 is as follows:

 

 

 

Three Months Ended

 

 

Six Months Ended

 

 

 

December 31,
2019

 

 

December 31,
2018

 

 

December 31,
2019

 

 

December 31,
2018

 

Loan servicing rights:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning of period:

 

$

815

 

 

$

1,050

 

 

$

868

 

 

$

1,093

 

Additions

 

 

 

 

 

 

 

 

 

 

 

 

Change in fair value

 

 

 (34

)

 

 

 (33

)

 

 

 (87

)

 

 

 (76

)

End of period:

 

$

781

 

 

$

1,017

 

 

$

781

 

 

$

1,017

 

 

 30

 

 

OCONEE FEDERAL FINANCIAL CORP.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
(Unaudited)
(Amounts in thousands, except share and per share data)

 

Fair value at December 31, 2019 was determined using a discount rate of 9.25%, prepayment speed assumptions ranging from 5.9% to 14.2% Conditional Prepayment Rate (“CPR”) depending on the loans’ coupon, term and seasoning, and a weighted average default rate of 0.29%.  Fair value at December 31, 2018 was determined using a discount rate of 10.25%, prepayment speed assumptions ranging from 4.7% to 13.7% CPR depending on the loans’ coupon, term and seasoning, and a weighted average default rate of 0.40%. 

 

(11)SUPPLEMENTAL CASH FLOW INFORMATION

 

Supplemental cash flow information for the six months ended December 31, 2019 and 2018 is as follows:

 

 

 

December 31,

 

 

December 31,

 

 

 

2019

 

 

2018

 

Cash paid during the period for:

 

 

 

 

 

 

 

 

Interest paid

 

$

2,269

 

 

$

1,465

 

Income taxes paid

 

$

140

 

 

$

218

 

Supplemental noncash disclosures:

 

 

 

 

 

 

 

 

Transfers from loans to real estate owned

 

$

 

 

$

48

 

Change in unrealized gain/loss on securities available-for-sale

 

$

386

 

 

$

856

 

 

(12)SUBSEQUENT EVENTS

 

On January 23, 2020, the Board of Directors of Oconee Federal Financial Corp. declared a quarterly cash dividend of $0.10 per share of Oconee Federal Financial Corp.’s common stock.  The dividend is payable to stockholders of record as of February 6, 2020, and will be paid on or about February 20, 2020.

 

31 

 

 

ITEM 2.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

 

This Quarterly Report contains forward-looking statements, which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. These forward-looking statements include:

 

 

statements of our goals, intentions and expectations;

 

statements regarding our business plans and prospects and growth and operating strategies;

 

statements regarding the asset quality of our loan and investment portfolios; and

 

estimates of our risks and future costs and benefits. 

 

These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic, and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this Quarterly Report.

 

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

 

 

our ability to manage our operations nationally and in our market areas;

 

adverse changes in the financial industry, securities, credit and national and local real estate markets (including real estate values);

 

significant increases in our delinquencies and loan losses, including as a result of our inability to resolve classified assets, changes in the underlying cash flows of our borrowers, and management’s assumptions in determining the adequacy of the allowance for loan losses;

 

credit risks of lending activities, including changes in the level and trend of loan delinquencies and write-offs and in our allowance and provision for loan losses;

 

use of estimates for determining the fair value of certain of our assets, which may prove to be incorrect and result in significant declines in valuations;

 

increased competition among depository and other financial institutions;

 

our ability to attract and maintain deposits, including introducing new deposit products;

 

inflation and changes in interest rates generally, including changes in the relative differences between short term and long term interest rates and in deposit interest rates, that may affect our net interest margin and funding sources;

 

fluctuations in the demand for loans, which may be affected by the number of unsold homes, land and other properties in our market areas and by declines in the value of real estate in our market area;

 

declines in the yield on our assets resulting from the current low interest rate environment;

 

our ability to successfully implement our business strategies, including attracting and maintaining deposits and introducing new financial products;

 

risks related to high concentration of  loans secured by real estate located in our market areas;

 

changes in the level of government support of housing finance;

 

the results of examinations by our regulators, including the possibility that our regulators may, among other things, require us to increase our reserve for loan losses, write down assets, change our regulatory capital position, limit our ability to borrow funds or maintain or increase deposits, or prohibit us from paying dividends, which could adversely affect our dividends and earnings;

 

our ability to enter new markets successfully and capitalize on growth opportunities;

 

changes in laws or government regulations or policies affecting financial institutions, which could result in, among other things, increased deposit insurance premiums and assessments, capital requirements (particularly the new capital regulations), regulatory fees and compliance costs and the resources we have available to address such changes;

 

changes in the ability of third-party providers to perform their obligations to us;

 

technological changes that may be more difficult or expensive than expected;

 

cyber-attacks, computer viruses and other technological risks that may breach the security of our websites or other systems to obtain unauthorized access to confidential information, destroy data or disable our systems;

 

our reliance on a small executive staff;

 

changes in our compensation and benefit plans, and our ability to retain key members of our senior management team and to address staffing needs to implement our strategic plan;

 

changes in consumer spending, borrowing and savings habits;

 

changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission and the Public Company Accounting Oversight Board;

 

our ability to control costs and expenses, particularly those related to operating as a publicly traded company;

 

the effects of actual government shutdowns;

 

32 

 

 

 

the ability of the U.S. government to manage federal debt limits;

 

other changes in our financial condition or results of operations that reduce capital available to pay dividends;

 

other changes in the financial condition or future prospects of issuers of securities that we own, including our stock in the FHLB of Atlanta; and

 

other economic, competitive, governmental, regulatory and operational factors affecting our operations, pricing, products and services.

 

Because of these and a wide variety of other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements.

 

Critical Accounting Policies

 

There are no material changes to the critical accounting policies disclosed in the Annual Report on Form 10-K for Oconee Federal Financial Corp. for the year ended June 30, 2019, as filed with the Securities and Exchange Commission.

 

Comparison of Financial Condition at December 31, 2019 and June 30, 2019

 

Our total assets decreased by $24.6 million, or 4.7%, to $503.2 million at December 31, 2019 from $527.8 million at June 30, 2019.  Total cash and cash equivalents decreased $15.1 million, or 41.1%, to $21.6 million at December 31, 2019 from $36.7 million at June 30, 2019. The decrease in cash and cash equivalents was primarily due to the repayment of outstanding Federal Home Loan Bank advances during the six month period, and also reflected our funding deposit withdrawals. Our available-for-sale securities portfolio decreased by $9.7 million from $95.4 million at June 30, 2019 to $85.7 million at December 31, 2019. The Association is not actively replenishing security repayments and maturities with purchases due to the funding needs of our loan portfolio. Gross loans increased $155 thousand, or 0.04%, to $360.2 million at December 31, 2019 from $360.1 million at June 30, 2019.  This increase was primarily a result of loan originations generally matching to loan repayments during the six months ended December 31, 2019.

 

Deposits decreased $6.7 million, or 1.6%, to $412.4 million at December 31, 2019 from $419.1 million at June 30, 2019.  The decrease in our deposits reflected a decrease of $6.0 million in certificates of deposit, $353 thousand in NOW accounts, and $2.6 million in non-interest bearing checking accounts offset by an increase of $961 thousand in savings deposits and $1.3 million in money market deposits. 

 

Oconee Federal, MHC’s cash is held on deposit with the Association.  We generally do not accept brokered deposits and no brokered deposits were accepted during the six months ended December 31, 2019.

 

Federal Home Loan Bank advances decreased by $19.0 million, or 100.0%. We had no Federal Home Loan Bank advances outstanding at December 31, 2019 as we have not needed borrowings to fund our operations. We have credit available under a loan agreement with the Federal Home Loan Bank of Atlanta in the amount of 25% of our total assets as of December 31, 2019, or approximately $131.0 million. We had no federal funds purchased as of December 31, 2019 or as of June 30, 2019.

 

Total shareholders’ equity increased $559 thousand, or 0.6%, to $88.9 million at December 31, 2019 compared to $88.3 million at June 30, 2019.  This was due to our net income during the period of $2.0 million, the increase of $163 thousand in ESOP shares earned and an increase in after-tax unrealized gains in our investment portfolio of $305 thousand being offset by our payment of dividends of $1.1 million and $927 thousand used for the repurchase of treasury stock. The Company and the Association exceeded all regulatory capital requirements at December 31, 2019 and June 30, 2019. 

 

33 

 

 

Nonperforming Assets

 

The table below sets forth the amounts and categories of our nonperforming assets at the dates indicated.

 

 

 

December 31,
2019

 

 

June 30,
2019

 

 

 

(Dollars in thousands)

 

Nonaccrual loans:

 

 

 

 

 

 

 

 

Real estate loans:

 

 

 

 

 

 

 

 

One-to-four family

 

$

2,349

 

 

$

2,674

 

Multi-family

 

 

 

 

 

 

Home equity

 

 

777

 

 

 

40

 

Nonresidential

 

 

29

 

 

 

816

 

Agricultural

 

 

40

 

 

 

356

 

Construction and land

 

 

320

 

 

 

31

 

Total real estate loans

 

 

3,515

 

 

 

3,917

 

Commercial and industrial

 

 

 

 

 

 

Consumer and other loans

 

 

 

 

 

 

Total nonaccrual loans (1)

 

$

3,515

 

 

$

3,917

 

Accruing loans past due 90 days or more:

 

 

 

 

 

 

 

 

Real estate loans:

 

 

 

 

 

 

 

 

Total accruing loans past due 90 days or more

 

$

 

 

$

 

Total of nonaccrual and 90 days or more past due loans (2)

 

$

3,515

 

 

$

3,917

 

Real estate owned, net:

 

 

 

 

 

 

 

 

One-to-four family

 

$

136

 

 

$

226

 

Nonresidential

 

 

481

 

 

 

585

 

Construction and land

 

 

 

 

 

 

Other nonperforming assets

 

 

 

 

 

 

Total nonperforming assets

 

$

4,132

 

 

$

4,728

 

Accruing troubled debt restructurings

 

$

 

 

$

 

Troubled debt restructurings and total nonperforming assets

 

$

4,132

 

 

$

4,728

 

                 

Total nonperforming loans to total loans

 

 

0.98

%

 

 

1.09

%

Total nonperforming assets to total assets

 

 

0.82

%

 

 

0.90

%

Total nonperforming assets to loans and real estate owned

 

 

1.15

%

 

 

1.31

%

 

 

(1)

Nonaccrual troubled debt restructurings included in the totals above were $2.5 million and $2.7 million, at December 31, 2019 and June 30, 2019, respectively.

(2)

There were no loans past due 90 days or more and still accruing at December 31, 2019 and June 30, 2019.

 

Interest income that would have been recorded had our non-accruing loans been current in accordance with their original terms was $136 thousand and $150 thousand for the six months ended December 31, 2019 and 2018, respectively.  There was no interest recognized on these loans for the six months ended December 31, 2019 and December 31, 2018.

 

Interest income that would have been recorded had our troubled debt restructured loans been current in accordance with their original terms was $63 thousand and $78 thousand for the six months ended December 31, 2019 and 2018, respectively. There was no interest recognized on troubled debt restructured loans for the six months ended December 31, 2019 and December 31, 2018.

 

Nonperforming assets decreased $596 thousand from $4.7 million as of June 30, 2019 to $4.1 million as of December 31, 2019.  Nonaccrual loans decreased $402 thousand to $3.5 million as of December 31, 2019 and real estate owned decreased $194 thousand to $617 thousand as of December 31, 2019.  There were no accruing loans past due 90 days or more at either date.   The decrease in nonaccrual loans primarily related to normal monthly fluctuations. Nonperforming assets to total assets and nonperforming assets to loans and real estate owned were 0.82% and 1.15%, respectively, at December 31, 2019 compared to 0.90% and 1.31%, respectively at June 30, 2019.

 

34 

 

 

Analysis of Net Interest Margin

 

The following tables set forth average balance sheets, average annualized yields and rates, and certain other information for the periods indicated.  No tax-equivalent yield adjustments were made, as the effect thereof was not material.  All average balances are daily average balances.  Nonaccrual loans were included in the computation of average balances, but have been reflected in the tables as loans carrying a zero yield.  The yields set forth below include the effect of net deferred costs, discounts and premiums that are amortized or accreted to income.

 

 

 

For the Three Months Ended

 

 

 

December 31, 2019

 

 

December 31, 2018

 

 

 

Average
Balance

 

 

Interest and
Dividends

 

 

Yield/ Cost

 

 

Average
Balance

 

 

Interest and
Dividends

 

 

Yield/ Cost

 

 

 

(Dollars in Thousands)

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

360,215

 

 

$

4,143

 

 

 

4.60

%

 

$

351,078

 

 

$

4,050

 

 

 

4.61

%

Investment securities

 

 

70,307

 

 

 

373

 

 

 

2.12

 

 

 

76,821

 

 

 

401

 

 

 

2.09

 

Investment securities, tax-free

 

 

17,198

 

 

 

95

 

 

 

2.21

 

 

 

36,929

 

 

 

205

 

 

 

2.22

 

Other interest-earning assets

 

 

28,545

 

 

 

151

 

 

 

2.12

 

 

 

3,997

 

 

 

43

 

 

 

4.30

 

Total interest-earning assets

 

 

476,265

 

 

 

4,762

 

 

 

4.00

 

 

 

468,825

 

 

 

4,699

 

 

 

4.01

 

Noninterest-earning assets

 

 

38,879

 

 

 

 

 

 

 

 

 

 

 

34,393

 

 

 

 

 

 

 

 

 

Total assets

 

$

515,144

 

 

 

 

 

 

 

 

 

 

$

503,218

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NOW and demand deposits

 

$

56,554

 

 

$

51

 

 

 

0.36

%

 

$

50,569

 

 

$

19

 

 

 

0.15

%

Money market deposits

 

 

75,868

 

 

 

145

 

 

 

0.76

 

 

 

64,085

 

 

 

78

 

 

 

0.48

 

Regular savings and other deposits

 

 

28,868

 

 

 

20

 

 

 

0.27

 

 

 

27,407

 

 

 

13

 

 

 

0.19

 

Certificates of deposit

 

 

219,936

 

 

 

809

 

 

 

1.46

 

 

 

217,892

 

 

 

546

 

 

 

0.99

 

Total interest-bearing deposits

 

 

381,226

 

 

 

1,025

 

 

 

1.07

 

 

 

359,953

 

 

 

656

 

 

 

0.72

 

Other Borrowings

 

 

8,350

 

 

 

59

 

 

 

2.80

 

 

 

24,790

 

 

 

161

 

 

 

2.58

 

Total interest-bearing liabilities

 

 

389,576

 

 

 

1,084

 

 

 

1.10

 

 

 

384,743

 

 

 

817

 

 

 

0.84

 

Noninterest bearing deposits

 

 

34,840

 

 

 

 

 

 

 

 

 

 

 

35,045

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

2,775

 

 

 

 

 

 

 

 

 

 

 

1,768

 

 

 

 

 

 

 

 

 

Total liabilities

 

 

427,191

 

 

 

 

 

 

 

 

 

 

 

421,556

 

 

 

 

 

 

 

 

 

Equity

 

 

87,953

 

 

 

 

 

 

 

 

 

 

 

81,662

 

 

 

 

 

 

 

 

 

Total liabilities and equity

 

$

515,144

 

 

 

 

 

 

 

 

 

 

$

503,218

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

 

 

 

$

3,678

 

 

 

 

 

 

 

 

 

 

$

3,882

 

 

 

 

 

Interest rate spread

 

 

 

 

 

 

 

 

 

 

2.90

%

 

 

 

 

 

 

 

 

 

 

3.17

%

Net interest margin

 

 

 

 

 

 

 

 

 

 

3.10

%

 

 

 

 

 

 

 

 

 

 

3.32

%

Average interest-earning assets to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

average interest-bearing liabilities

 

 

1.22

x

 

 

 

 

 

 

 

 

1.30

x

 

 

 

 

 

 

 

 

 

35 

 

 

 

 

For the Six Months Ended

 

 

 

December 31, 2019

 

 

December 31, 2018

 

 

 

Average
Balance

 

 

Interest and
Dividends

 

 

Yield/ Cost

 

 

Average
Balance

 

 

Interest and
Dividends

 

 

Yield/ Cost

 

 

 

(Dollars in Thousands)

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

361,139

 

 

$

8,260

 

 

 

4.57

%

 

$

343,267

 

 

$

7,817

 

 

 

4.55

%

Investment securities

 

 

72,230

 

 

 

781

 

 

 

2.16

 

 

 

78,091

 

 

 

816

 

 

 

2.09

 

Investment securities, tax-free

 

 

18,112

 

 

 

200

 

 

 

2.21

 

 

 

37,269

 

 

 

414

 

 

 

2.22

 

Other interest-earning assets

 

 

29,300

 

 

 

338

 

 

 

2.31

 

 

 

4,517

 

 

 

73

 

 

 

3.23

 

Total interest-earning assets

 

 

480,781

 

 

 

9,579

 

 

 

3.98

 

 

 

463,144

 

 

 

9,120

 

 

 

3.94

 

Noninterest-earning assets

 

 

39,116

 

 

 

 

 

 

 

 

 

 

 

34,208

 

 

 

 

 

 

 

 

 

Total assets

 

$

519,897

 

 

 

 

 

 

 

 

 

 

$

497,352

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities and equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NOW and demand deposits

 

$

55,871

 

 

$

95

 

 

 

0.34

%

 

$

50,766

 

 

$

36

 

 

 

0.14

%

Money market deposits

 

 

75,587

 

 

 

325

 

 

 

0.85

 

 

 

64,213

 

 

 

141

 

 

 

0.44

 

Regular savings and other deposits

 

 

28,587

 

 

 

41

 

 

 

0.28

 

 

 

27,617

 

 

 

24

 

 

 

0.17

 

Certificates of deposit

 

 

221,063

 

 

 

1,624

 

 

 

1.46

 

 

 

216,711

 

 

 

1,020

 

 

 

0.93

 

Total interest-bearing deposits

 

 

381,108

 

 

 

2,085

 

 

 

1.09

 

 

 

359,307

 

 

 

1,221

 

 

 

0.67

 

Other Borrowings

 

 

13,175

 

 

 

186

 

 

 

2.80

 

 

 

19,975

 

 

 

246

 

 

 

2.44

 

Total interest-bearing liabilities

 

 

394,283

 

 

 

2,271

 

 

 

1.14

 

 

 

379,282

 

 

 

1,467

 

 

 

0.77

 

Noninterest bearing deposits

 

 

35,104

 

 

 

 

 

 

 

 

 

 

 

34,092

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

2,408

 

 

 

 

 

 

 

 

 

 

 

1,386

 

 

 

 

 

 

 

 

 

Total liabilities

 

 

431,795

 

 

 

 

 

 

 

 

 

 

 

414,760

 

 

 

 

 

 

 

 

 

Equity

 

 

88,102

 

 

 

 

 

 

 

 

 

 

 

82,592

 

 

 

 

 

 

 

 

 

Total liabilities and equity

 

$

519,897

 

 

 

 

 

 

 

 

 

 

$

497,352

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

 

 

 

$

7,308

 

 

 

 

 

 

 

 

 

 

$

7,653

 

 

 

 

 

Interest rate spread

 

 

 

 

 

 

 

 

 

 

2.84

%

 

 

 

 

 

 

 

 

 

 

3.17

%

Net interest margin

 

 

 

 

 

 

 

 

 

 

3.05

%

 

 

 

 

 

 

 

 

 

 

3.31

%

Average interest-earning assets to average interest-bearing liabilities

 

 

1.22

x

 

 

 

 

 

 

 

 

 

 

1.22

x

 

 

 

 

 

 

 

 

 

Comparison of Operating Results for the Three Months Ended December 31, 2019 and December 31, 2018

 

General. We reported net income of $1.1 million for the three months ended December 31, 2019 as compared to net income of $919 thousand for the three months ended December 31, 2018. Interest income increased $63 thousand for the three months ended December 31, 2019 compared to December 31, 2018 and interest expense increased $267 thousand resulting in a net decrease to net interest income of $204 thousand. Noninterest income increased $1 thousand for the three months ended December 31, 2019 compared to December 31, 2018. Total noninterest expense decreased $96 thousand. Tax expense decreased $202 thousand primarily due to the recognition of a permanent tax benefit as a result of non-qualified stock options being exercised during the year ended December 31, 2019.

 

Interest Income. Interest income increased by $63 thousand to $4.8 million from $4.7 million for the three months ended December 31, 2019 and December 31, 2018, respectively.  The yield on interest-earning assets decreased one basis point from 4.01% for the three months ended December 31, 2018 to 4.00% for the three months ended December 31, 2019.  Total average interest-earning assets increased by $7.5 million to $476.3 million for the three months ended December 31, 2019 from $468.8 million for the three months ended December 31, 2018.

 

Interest income on loans increased by $93 thousand to $4.14 million from $4.05 million for the three months ended December 31, 2019 and December 31, 2018, respectively.  The yield on loans decreased one basis point from 4.61% for the three months ended December 31, 2018 to 4.60% for the three months ended December 31, 2019. The average balance of loans increased by $9.1 million, or 2.6%, to $360.2 million for the three months ended December 31, 2019 from $351.1 million for the three months ended December 31, 2018.  The increase in the average balance of our loans is reflective of normal loan growth.

 

36 

 

 

Interest income on investment securities decreased by $138 thousand, or 22.8%, to $468 thousand for the three months ended December 31, 2019 from $606 thousand for the three months ended December 31, 2018.  The decrease reflected the combination of a decrease in the average balance of securities of $26.3 million, or 23.1%, to $87.5 million for the three months ended December 31, 2019 from $113.8 million for the three months ended December 31, 2018, offset by an increase in the yield on securities to 2.14% from 2.13% for the respective periods.  The decrease in the average balances of our investment securities reflects our efforts during fiscal 2019 and 2020 to reduce investment purchases, which allowed us to use those funds as well as investment repayments and maturities to fund loan growth. 

 

Income on other interest earning assets increased by $108 thousand, or 251.2%, to $151 thousand for the three months ended December 31, 2019 from $43 thousand for the three months ended December 31, 2018. The average balance of other interest-earning assets increased $24.5 million from the three months ended December 31, 2018 to the three months ended December 31, 2019 and the yield decreased 218 basis points over the same period. The increase in average balances was due to funds being held in money market accounts pending repayment of FHLB advances. The decrease in yield was a result of the majority of the current year funds being held in money market accounts compared to the prior year funds being predominately held in restricted equities.  

 

Interest Expense. Interest expense increased by $267 thousand, or 32.7%, to $1.1 million for the three months ended December 31, 2019 from $817 thousand for the three months ended December 31, 2018.  This increase was attributable to general increases in deposit rates due to the competitive economic environment. The increase reflected an increase of 35 basis points in the average rate paid on interest-bearing deposits for the three months ended December 31, 2019 to 1.07% from 0.72% for the three months ended December 31, 2018.  The increase in the average rate paid on deposits reflects our efforts to keep our cost of funds as low as possible but still maintain our competitiveness in our market area among other banking institutions.  Average interest-bearing deposits were $381.2 million for the three months ended December 31, 2019 compared to $360.0 million for the three months ended December 31, 2018. 

 

The largest increase in deposit interest expense was related to expense on certificates of deposit, which increased $263 thousand, or 48.2%, to $809 thousand for the three months ended December 31, 2019 from $546 thousand for the three months ended December 31, 2018.  The average rate paid on certificates of deposit increased by 47 basis points from 0.99% for the three months ended December 31, 2018 to 1.46% for the three months ended December 31, 2019 and the average balances increased by $2.0 million from $217.9 million for the three-month period ended December 31, 2018 to $219.9 million for the three-month period ended December 31, 2019. The increase in the average balance of our certificates of deposit is reflective of normal deposit growth. The increase in the average rate paid on our certificates of deposit is reflective of the competitive economic environment.

 

Interest expense for other borrowings decreased by $102 thousand, or 63.4%, to $59 thousand for the three months ended December 31, 2019 from $161 thousand for the three months ended December 31, 2018. Other borrowings include both FHLB advances as well as overnight federal funds purchased. Average other borrowings were $8.4 million for the three months ended December 31, 2019 compared to $24.8 million for the three months ended December 31, 2018.  The average rate was 2.80% and 2.58% for the three months ended December 31, 2019 and 2018, respectively, due to an increase in market interest rates.

 

Net Interest Income. Net interest income before the provision for loan losses decreased by $204 thousand, or 5.3%, to $3.7 million for the three months ended December 31, 2019.  Our interest rate spread and net interest margin decreased to 2.90% and 3.10%, respectively, from 3.17% and 3.32%, respectively, for the three months ended December 31, 2019 and December 31, 2018, respectively.  The decreasing yield on earning assets and the higher cost of certificates of deposit and other borrowings contributed to the decrease in net interest margin for the three months ended December 31, 2019.

 

Provision for Loan Losses. We recorded no provision for loan losses for the three months ended December 31, 2019 compared with $76 thousand for the three months ended December 31, 2018.  There was $1 thousand in charge-offs for the three months ended December 31, 2019. There were no charge-offs for the three months ended December 31, 2018.  The lack of provision for the three months ended December 31, 2019 is primarily due to slight loan growth during the three months ended December 31, 2019 combined with improved portfolio performance.

 

Our total allowance for loan losses was $1.3 million, or 0.36%, of total gross loans as of December 31, 2019 and June 30, 2019.  There were no specifically identified impaired loans at December 31, 2019 or June 30, 2019.  The recorded investment in individually evaluated impaired loans was $3.1 million and $3.3 million at December 31, 2019 and at June 30, 2019, respectively. Total loans individually evaluated for impairment decreased $130 thousand, or 4.0%, to $3.1 million at December 31, 2019 compared to $3.3 million at June 30, 2019. 

 

To the best of our knowledge, we have recorded all losses that are both probable and reasonably estimable for the three months ended December 31, 2019 and 2018.  There have been no changes to our allowance for loan loss methodology during the quarter.

 

37 

 

 

Noninterest Income. Noninterest income increased $1 thousand, or 0.3%, to $385 thousand for the three months ended December 31, 2019 from $384 thousand for the three months ended December 31, 2018.  Mortgage servicing income decreased $3 thousand due to a declining servicing portfolio balance. Gain on sale of mortgage loans was $50 thousand and $23 thousand for the three months ended December 31, 2019 and 2018, respectively. The change in fair value of equity securities was a loss of $48 thousand for the three months ended December 31, 2019 compared to a loss of $28 thousand for the three months ended December 31, 2018. Gains or losses on the fair value of equity securities are market driven. The net gain on payoff of purchase credit impaired loans was $32 thousand and $22 thousand for the three months ended December 31, 2019 and December 31, 2018, respectively, due to the liquidation of one loan in each period. Changes in all other noninterest income items were due to normal periodic fluctuations.

 

Noninterest Expense. Noninterest expense for the three months ended December 31, 2019 decreased by $96 thousand, or 3.1%, to $3.0 million from $3.1 million for the same period in 2018.  Salaries and employee benefits decreased $149 thousand due a reduction in personnel related to the closing of a loan production office. Data processing increased $14 thousand due to routine upgrades in the current period.  Professional and supervisory fees decreased $23 thousand primarily due to reduced audit and legal fees. FDIC deposit insurance decreased $29 thousand due to an assessment credit received from FDIC as a result of the FDIC Deposit Insurance Fund Reserve Ratio exceeding 1.38% as of September 30, 2019. Foreclosed asset expenses increased $89 thousand primarily due to a $89 thousand write down of REO property during the three months ended December 31, 2019. The change in the value of the loan servicing portfolio increased $1 thousand due to market conditions. Changes in all other noninterest expense items were due to normal periodic fluctuations.

 

Income Tax Expense. Tax expense decreased $202 thousand, or 91.4%, to $19 thousand for the three months ended December 31, 2019 from a $314 thousand for the three months ended December 31, 2018. The decrease is primarily due to the recognition of a permanent tax benefit as a result of non-qualified stock options being exercised during the period ended December 31, 2019. Our effective income tax rate was 1.7% and 19.4% for the three months ended December 31, 2019 and 2018, respectively.

 

Comparison of Operating Results for the Six Months Ended December 31, 2019 and December 31, 2018

 

General. We reported net income of $2.0 million for the six months ended December 31, 2019 as compared to net income of $1.8 million for the six months ended December 31, 2018. Interest income increased $459 thousand for the six months ended December 31, 2019 compared to December 31, 2018 and interest expense increased $804 thousand resulting in a net decrease to net interest income of $345 thousand. Noninterest income increased $108 thousand for the six months ended December 31, 2019 compared to December 31, 2018. Total noninterest expense decreased $192 thousand. Tax expense decreased $133 thousand primarily due to the recognition of a permanent tax benefit as a result of non-qualified stock options being exercised during the year ended December 31, 2019.

 

Interest Income. Interest income increased by $459 thousand to $9.6 million from $9.1 million for the six months ended December 31, 2019 and December 31, 2018, respectively.  The yield on interest-earning assets increased four basis points from 3.94% for the six months ended December 31, 2018 to 3.98% for the six months ended December 31, 2019.  Total average interest-earning assets increased by $17.7 million to $480.8 million for the six months ended December 31, 2019 from $463.1 million for the six months ended December 31, 2018.

 

Interest income on loans increased by $443 thousand to $8.3 million from $7.8 million for the six months ended December 31, 2019 and December 31, 2018, respectively.  The yield on loans increased two basis point from 4.55% for the six months ended December 31, 2018 to 4.57% for the six months ended December 31, 2019. The average balance of loans increased by $17.8 million, or 5.21%, to $361.1 million for the six months ended December 31, 2019 from $343.3 million for the six months ended December 31, 2018.  The increase in the average balance of our loans is reflective of normal loan growth.

 

Interest income on investment securities decreased by $249 thousand, or 20.2%, to $981 thousand for the six months ended December 31, 2019 from $1.2 million for the six months ended December 31, 2018. The decrease reflected a decrease in the average balance of securities of $25.1 million, or 21.7%, to $90.3 million for the six months ended December 31, 2019 from $115.4 million for the six months ended December 31, 2018, offset by an increase in the yield on securities to 2.17% from 2.13% for the respective periods.  The decrease in the average balances of our investment securities reflects our efforts during fiscal 2019 and 2020 to reduce investment purchases, which allowed us to use those funds as well as investment repayments and maturities to fund loan growth. 

 

Income on other interest earning assets increased by $265 thousand, or 363.0%, to $338 thousand for the six months ended December 31, 2019 from $73 thousand for the six months ended December 31, 2018. The average balance of other interest-earning assets increased $24.8 million from the six months ended December 31, 2018 to the six months ended December 31, 2019 and the yield decreased 92 basis points over the same period. The increase in average balances was due to funds being held in money market accounts pending repayment of FHLB advances. The decrease in yield was a result of the majority of the current year funds being held in money market accounts compared to the prior year funds being held in predominately restricted equities.  

 

38 

 

 

Interest Expense. Interest expense increased by $804 thousand, or 54.8%, to $2.3 million for the six months ended December 31, 2019 from $1.5 million for the six months ended December 31, 2018. This increase was attributable to general increases in deposit rates due to the competitive economic environment. The increase reflected an increase of 37 basis points in the average rate paid on interest-bearing deposits for the six months ended December 31, 2019 to 1.14% from 0.77% for the six months ended December 31, 2018.  The increase in the average rate paid on deposits reflects our efforts to keep our cost of funds as low as possible but still maintain our competitiveness in our market area among other banking institutions.  Average interest-bearing deposits were $381.1 million for the six months ended December 31, 2019 compared to $359.3 million for the six months ended December 31, 2018. 

 

The largest increase in deposit interest expense was related to expense on certificates of deposit, which increased $604 thousand, or 59.2%, to $1.6 million for the six months ended December 31, 2019 from $1.0 million for the six months ended December 31, 2018.  The average rate paid on certificates of deposit increased by 53 basis points from 0.93% for the six months ended December 31, 2018 to 1.46% for the six months ended December 31, 2019 and the average balances increased by $4.4 million from $216.7 million for the six-month period ended December 31, 2018 to $221.1 million for the six-month period ended December 31, 2019. The increase in the average balance of our certificates of deposit is reflective of normal deposit growth. The increase in the average rate paid on our certificates of deposit is reflective of the normal competitive economic environment.

 

Interest expense for other borrowings decreased by $60 thousand, or 24.4%, to $186 thousand for the six months ended December 31, 2019 from $246 thousand for the six months ended December 31, 2018. Other borrowings include both FHLB advances as well as overnight federal funds purchased. Average other borrowings were $13.2 million for the six months ended December 31, 2019 compared to $20.0 million for the six months ended December 31, 2018.  The average rate was 2.80% and 2.44% for the six months ended December 31, 2019 and 2018, respectively, due to an increase in market interest rates.

 

Net Interest Income. Net interest income before the provision for loan losses decreased by $345 thousand, or 4.5%, to $7.3 million for the six months ended December 31, 2019.  Our interest rate spread and net interest margin decreased to 2.84% and 3.05%, respectively, from 3.17% and 3.31%, respectively, for the six months ended December 31, 2019 and December 31, 2018, respectively.  The increasing yield on earning assets was offset by the higher cost of certificates of deposit and other borrowings which contributed to the decrease in net interest margin for the six months ended December 31, 2019.

 

Provision for Loan Losses. We recorded no provision for loan losses for the six months ended December 31, 2019 compared with $148 thousand for the six months ended December 31, 2018.  There was $1 thousand in charge-offs for the six months ended December 31, 2019. There were $18 thousand in charge-offs for the six months ended December 31, 2018. The lack of provision for the six months ended December 31, 2019 is primarily due to slight loan growth during the six months ended December 31, 2019 combined with improved portfolio performance.

 

Our total allowance for loan losses was $1.3 million, or 0.36%, of total gross loans as of December 31, 2019 and June 30, 2019.  There were no specifically identified impaired loans at December 31, 2019 or June 30, 2019.  The recorded investment in individually evaluated impaired loans was $3.1 million and $3.3 million at December 31, 2019 and at June 30, 2019, respectively. Total loans individually evaluated for impairment decreased $130 thousand, or 4.0%, to $3.1 million at December 31, 2019 compared to $3.3 million at June 30, 2019. 

 

To the best of our knowledge, we have recorded all losses that are both probable and reasonably estimable for the six months ended December 31, 2019 and 2018.  There have been no changes to our allowance for loan loss methodology during the six months ended December 31, 2019.

 

Noninterest Income. Noninterest income increased $108 thousand, or 13.9%, to $885 thousand for the six months ended December 31, 2019 from $777 thousand for the six months ended December 31, 2018.  Mortgage servicing income decreased $12 thousand due to a declining servicing portfolio balance. Gain on sale of mortgage loans was $82 thousand and $49 thousand for the six months ended December 31, 2019 and 2018, respectively. The change in fair value of equity securities was a gain of $32 thousand for the six months ended December 31, 2019 compared to a loss of $43 thousand for the six months ended December 31, 2018. Gains or losses on the fair value of equity securities are market driven. The net gain on sales of investment securities available for sale was $12 thousand and $1 thousand for the six months ended December 31, 2019 and December 31, 2018, respectively. Gains or losses on the sale of securities are largely market driven. The net gain on payoff of purchase credit impaired loans was $32 thousand and $22 thousand for the six months ended December 31, 2019 and December 31, 2018, respectively, due to the liquidation of one loan in each period.  Changes in all other noninterest income items were due to normal periodic fluctuations.

 

Noninterest Expense. Noninterest expense for the six months ended December 31, 2019 decreased by $192 thousand, or 3.2%, to $5.9 million from $6.0 million for the same period in 2018.  Salaries and employee benefits decreased $245 thousand primarily due a reduction in personnel related to the closing of a loan production office. Occupancy and equipment increased $50 thousand due to routine upgrades and improvements. Data processing decreased $19 thousand due to fewer routine upgrades in the current period as well as more favorable third party service pricing.  Professional and supervisory fees decreased $72 thousand primarily due to reduced audit and legal fees. FDIC deposit insurance decreased $61 thousand due to an assessment credits received from FDIC as a result of the FDIC Deposit Insurance Fund Reserve Ratio exceeding 1.38% as of June 30, 2019 and September 30, 2019. Foreclosed asset expenses increased $120 thousand primarily due to $117 thousand in write downs of REO property during the six months ended December 31, 2019. The change in the value of the loan servicing portfolio increased $11 thousand due to market conditions. Changes in all other noninterest expense items were due to normal periodic fluctuations.

 

39 

 

 

Income Tax Expense. Tax expense decreased $133 thousand, or 29.8%, to $314 thousand for the six months ended December 31, 2019 from a $447 thousand for the six months ended December 31, 2018. The decrease is primarily due to the recognition of a permanent tax benefit as a result of non-qualified stock options being exercised during the period ended December 31, 2019. Our effective income tax rate was 13.4% and 20.0% for the six months ended December 31, 2019 and 2018, respectively.

 

Liquidity and Capital Resources

 

Our primary sources of funds are deposits and the proceeds from principal and interest payments on loans and investment securities. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition. We generally manage the pricing of our deposits to be competitive within our market and to increase core deposit relationships.

 

Liquidity management is both a daily and long-term responsibility of management. We adjust our investments in liquid assets based upon management’s assessment of (i) expected loan demand, (ii) expected deposit flows, (iii) yields available on interest-earning deposits and investment securities, and (iv) the objectives of our asset/liability management program.  Excess liquid assets are invested generally in interest-earning overnight deposits, federal funds sold, and short and intermediate-term U.S. Government sponsored agencies and mortgage-backed securities of short duration.  If we require funds beyond our ability to generate them internally, we have credit available under a loan agreement with the Federal Home Loan Bank of Atlanta in the amount of 25% of total assets (as of December 31, 2019), or approximately $131.0 million as of that date, with a remaining availability of $131.0 million as of December 31, 2019.

 

Common Stock Dividends.  On August 22, 2019 and November 21, 2019, the Company paid a $0.10 per share cash dividend on its common stock for a total of $1.1 million.

 

Equity Compensation Plans.  During the three months ended December 31, 2019, no shares of restricted stock or common stock options were issued.

 

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

Disclosures of quantitative and qualitative market risk are not required by smaller reporting companies, such as the Company.

 

ITEM 4.

CONTROLS AND PROCEDURES

 

An evaluation was performed under the supervision and with the participation of the Company’s management, including the Chief Executive Officer and the Chief Financial Officer, of the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) promulgated under the Securities and Exchange Act of 1934, as amended) as of December 31, 2019. Based on that evaluation, the Company’s management, including the Chief Executive Officer and the Chief Financial Officer, concluded that the Company’s disclosure controls and procedures were effective.

 

During the quarter ended December 31, 2019, there have been no changes in the Company’s internal control over financial reporting (as defined in Rule 13a-15(f) and 15d-15(f) under the Securities and Exchange Act of 1934, amended) that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

40 

 

 

PART II

 

ITEM 1.

LEGAL PROCEEDINGS

 

There are various claims and lawsuits in which the Company is periodically involved incidental to the Company’s business. In the opinion of management, no material loss is expected from any of such pending claims or lawsuits.

 

ITEM 1A.

RISK FACTORS

 

Disclosures of risk factors are not required of smaller reporting companies, such as the Company.

 

ITEM 2.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

 

(a)

None.

 

(b)

Not applicable.

 

(c)

Issuer Repurchases.  On March 20, 2019, the Board of Directors authorized the repurchase of up to 100,000 of the Company’s common stock. In connection with the authorization of this stock repurchase program, the Board of Directors terminated the Company’s existing stock repurchase program, which had authorized the Company to purchase up to 175,000 shares of its issued and outstanding common stock.  The Company had previously purchased a total of 174,747 shares of its common stock at a weighted average price of $22.64 per share under the existing stock repurchase program.

 

The following table sets forth information in connection with repurchases of the Company’s common stock for the quarter ended December 31, 2019:

 

 

 

Total
Number of
Shares
Purchased

 

 

Average Price
Paid Per
Share

 

 

Total Number of
Shares Purchased
as Part of Publicly
Announced Plan

 

 

Approximate Maximum
Dollar Value or Number
of Shares That May Yet
be Purchased Under
Publicly Announced Plans

 

October 1 - October 31, 2019

 

 

5,533

 

 

$

23.04

 

 

 

5,533

 

 

 

46,725

 

November 1 - November 30, 2019

 

 

166

 

 

$

22.50

 

 

 

166

 

 

 

46,559

 

December 1 - December 31, 2019

 

 

 

 

$

 

 

 

 

 

 

46,559

(2)

Total

 

 

5,699

 

 

$

23.02

 

 

 

5,699

(1)

 

 

 

 

(1) All shares were purchased pursuant to a publicly announced repurchase program that was approved by the Board of Directors on March 20, 2019. The repurchase program has no expiration date.

(2) Represents the maximum number of shares available for repurchase under the March 20, 2019 plan at December 31, 2019.

 

ITEM 3.DEFAULTS UPON SENIOR SECURITIES

 

None.

 

ITEM 4.MINE SAFETY DISCLOSURES

 

Not applicable.

 

ITEM 5.OTHER INFORMATION

 

None.

 

41 

 

 

ITEM 6.EXHIBITS

 

The exhibits required by Item 601 of Regulation S-K are included with this Form 10-Q and are listed below.

 

Exhibit
number

  

Description

 

 

31.1

  

Certification of Curtis T. Evatt, President and Chief Executive Officer, Pursuant to Rule 13a-14(a) and Rule 15d-14(a).

 

 

31.2

  

Certification of John W. Hobbs, Senior Vice President and Chief Financial Officer, Pursuant to Rule 13a-14(a) and Rule 15d-14(a).

32

  

Certification of Curtis T. Evatt, President and Chief Executive Officer, and John W. Hobbs, Senior Vice President and Chief Financial Officer, Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

101

  

The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended December 31, 2019, formatted in XBRL (Extensible Business Reporting Language):

(i)            Consolidated Balance Sheets

(ii)           Consolidated Statements of Income and Comprehensive Income

(iii)          Consolidated Statements of Changes In Shareholders’ Equity

(iv)          Consolidated Statements of Cash Flows, and

(v)           Notes to The Consolidated Financial Statements

 

42 

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

  Oconee Federal Financial Corp.
     
Date: February 13, 2020    
     
   

/s/ Curtis T. Evatt

   

Curtis T. Evatt

   

President and Chief Executive Officer

   

 

   

/s/ John W. Hobbs

   

John W. Hobbs

    Senior Vice President and Chief Financial Officer

43 

EX-31.1 2 ex31-1.htm CERTIFICATION OF CURTIS T. EVATT, PRESIDENT AND CHIEF EXECUTIVE OFFICER

 

Oconee Federal Financial Corp. 10-Q

 

Exhibit 31.1

 

CERTIFICATION

 

I, Curtis T. Evatt, certify that:

 

1) I have reviewed this quarterly report on Form 10-Q of Oconee Federal Financial Corp.;

 

2) Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3) Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4) The registrant’s other certifying officer and I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provided reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5) The registrant’s other certifying officer and I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:

 

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: February 13, 2020

 

 

/s/ Curtis T. Evatt

 

Curtis T. Evatt

President and Chief Executive Officer

 

44 

EX-31.2 3 ex31-2.htm CERTIFICATION OF JOHN W. HOBBS, SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER

 

Oconee Federal Financial Corp. 10-Q

 

 

Exhibit 31.2

 

CERTIFICATION

 

I, John W. Hobbs, certify that:

 

1) I have reviewed this quarterly report on Form 10-Q of Oconee Federal Financial Corp.;

 

2) Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3) Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4) The registrant’s other certifying officer and I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provided reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5) The registrant’s other certifying officer and I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:

 

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: February 13, 2020

 

 

/s/ John W. Hobbs

 

John W. Hobbs

Senior Vice President and Chief Financial Officer

 

45 

EX-32 4 ex32.htm CERTIFICATION OF SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER

 

Oconee Federal Financial Corp. 10-Q

 

Exhibit 32

 

CERTIFICATION PURSUANT TO

 

18 U.S.C. SECTION 1350,

 

AS ADOPTED PURSUANT TO

 

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of Oconee Federal Financial Corp. (the “Company”) on Form 10-Q for the period ended December 31, 2019 as filed with the Securities and Exchange Commission (the “Report”), the undersigned, Curtis T. Evatt, President and Chief Executive Officer, and John W. Hobbs, Senior Vice President and Chief Financial Officer of the Company, each certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of his knowledge:

 

(1)

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

(2)

The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

/s/ Curtis T. Evatt

Date: February 13, 2020

Curtis T. Evatt

 

President and Chief Executive Officer

 

 

 

/s/ John W. Hobbs

Date: February 13, 2020

John W. Hobbs

 

Senior Vice President and Chief Financial Officer

 

 

A signed original of this written statement required by Section 906 has been provided to Oconee Federal Financial Corp. and will be retained by Oconee Federal Financial Corp. and furnished to the Securities and Exchange Commission or its staff upon request.

 

46 

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The current market price was based on the closing price of common stock of $26.01 per share on December 31, 2019. Carrying amount of loans is net of unearned income and the allowance. In accordance with the adoption of ASU No. 2016-01, the fair value of loans as of December 31, 2019 and June 30, 2019 was measured using an exit price notion. 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or purchase price Impaired loans individually evaluated Formal foreclosure proceedings FHLB Advances Stated percentage of Federal Home Loan Bank Advances FHLB advances collateralized by investment securities Federal Home Loan Bank with remaining availability Fair Value, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value Hierarchy and NAV [Axis] Financial assets: Loan servicing rights Total financial assets Real estate owned, net Total non-financial assets Total assets measured at fair value on a non-recurring basis Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation Balance at beginning of period: Purchases Unrealized net losses included in net income Balance at end of period: Fair Value Measurement Inputs and Valuation Techniques [Table] Fair Value Measurement Inputs and Valuation Techniques [Line Items] Valuation Approach and Technique [Axis] Loan servicing rights Real estate owned Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Financial assets Loans, net Restricted equity securities Financial liabilities Deposits Fed Funds Purchased FHLB Advances Carrying value of real estate owned Real estate owned, valuation allowance Shares held by the ESOP Committed to be released to participants Allocated to participants Unearned Total ESOP shares Fair value of unearned shares Employee stock ownership plan, employer loan for shares (in shares) Common stock share price (in dollars per share) Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Options Outstanding - June 30, 2019 (in shares) Granted (in shares) Exercised (in shares) Forfeited (in shares) Outstanding - December 31, 2019 (in shares) Fully vested and exercisable at December 31, 2019 (in shares) Expected to vest in future periods (in shares) Fully vested and expected to vest - December 31, 2019 (in shares) Weighted-Average Exercise Price/Share Outstanding - June 30, 2019 (in dollars per share) Granted (in dollars per share) Exercised (in dollars per share) Forfeited (in dollars per share) Outstanding - December 31, 2019 (in dollars per share) Fully vested and exercisable at December 31, 2019 (in dollars per share) Fully vested and expected to vest - December 31, 2019 (in dollars per share) Aggregate Intrinsic Value Outstanding - December 31, 2019 Fully vested and exercisable at December 31, 2019 Fully vested and expected to vest - December 31, 2019 Non-vested stock activity Balance - beginning of year (in shares) Granted (in shares) Forfeited (in shares) Vested (in shares) Balance - end of period (in shares) Weighted average grant date fair value (in dollars per share) Shares authorized (in shares) Options earned (in shares) Stock-based compensation expense Total unrecognized compensation cost related to stock options Unrecognized compensation expense for nonvested restricted stock awards Expected period for recognition Closing price of common stock (in dollars per share) Mortgage loan portfolio serviced: FHLMC Loan servicing rights: Beginning of period: Additions Change in fair value End of period: Schedule of Servicing Assets at Fair Value [Table] Servicing Assets at Fair Value [Line Items] Custodial escrow balances Discount rate Prepayment speed assumption Weighted average default rate Cash paid during the period for: Interest paid Income taxes paid Supplemental noncash disclosures: Transfers from loans to real estate owned Change in unrealized gain/loss on securities available-for-sale Dividends declared per share (in dollars per share) Dividends payable, date declared Dividends payable, date of record Dividends payable, date paid Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits. The noninterest income derived from mortgage banking activities (fees and commissions), excluding fees earned from servicing third-party assets. The amount of ATM and debit card income. The amount of ATM and debit card expense. Represents gain loss on payoff of purchase credit impaired loans. Represents member related to unearned ESOP shares. The amount related to net accretion of purchase accounting adjustments. Represents amount related to gain on payoff of purchased credit impaired loans, The entire disclosure of compensation-related costs for the employee stock ownership plan. Tabular disclosure pf recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment. Tabular disclosure of the combined aggregate amount of maturities for borrowings for each of the five years following the date of the latest balance sheet date presented. Tabular disclosure of mortgage loans serviced for others. Represents the percentage of ownership held by the holding company in the reporting entity. Amount of undistributed (income) dividends allocated to participating securities for the basic earnings (loss) per share or per unit calculation. Represents common stock investments in debentures, bonds and other debt securities issued by the Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac). Represents SBA loan pool. The amount of change in fair value equity secutities. Amount of mortgage-backed securities at amortized cost that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the fair value over several maturity groupings. Amount of mortgage-backed securities at fair value that do not have a single maturity date and which the entity has decided to disclose separately rather than allocating the fair value over several maturity groupings. The amount of securities pledged to secure public deposits. Represents percentage holding of securities greater than shareholders' equity. Portfolio segment of the company's total financing receivables related to consumer and other loans. Portfolio segment of the company's total financing receivables related to real estate. Class of financing receivables related to real estate one-to-four family financing receivables. Class of financing receivables related to real estate multi-family financing receivables. Class of financing receivables related to real estate agricultural. Class of financing receivables related to real estate construction and land loans. Portfolio segment of the company's total financing receivables related to commercial and industrial. A category of financing receivables considered to be Pass-Watch. Represents number of loans that have been classified as trouble debt restructuring. Represents the details pertaining to owner-occupied homes. Represents the details pertaining to nonresidential properties other than churches, which may include office buildings and retail and mixed-use properties. Represents the details pertaining to non-owner-occupied homes. Represents the details pertaining to manufactured or modular home. Class of financing receivables related to unsecured consumer loans. Class of financing receivables related to consumer loans secured by vehicles. The time period past due loans for loans on nonaccrual status for recognition of interest income is greater than or equal to this period. The time period for loans past due and still on an accrual basis may be greater than or equal to this period. Represents the number of loans a borrower is permitted to have at a time. Represents the loan-to-value ratios for different classes of financing receivables originated by the entity. Represents the loan-to-value ratios if the borrower obtains mortgage insurance or provides readily marketable collateral. Represents the term of loans. Represents the number of units in properties which are given as security in relation to mortgage loans on real estate. Represents the amortization period of real estate mortgage loans. Represents the loans made as a percentage of lesser of appraised value or purchase price. The amount of impaired financing receivable individually evaluated for impairment to determine if a specific loss reserve is required. Represents Nonresidential. Fair value of real estate owned, net. This element represents the aggregate of the nonfinancial assets reported on the balance sheet at period end measured at fair value by the entity. Represents information about loan servicing rights. This element represents fair value disclosure loan servicing rights. The fair value of shares held by the ESOP as of the balance sheet date that have not yet been released, committed to be released, or allocated to participant accounts. An arrangement whereby an employee or member of the Board of Directors is entitled to receive in the future, subject to vesting and other restrictions, a number of shares in the entity at a specified price, as defined in the agreement. The number of stock options earned during the reporting period. Total prinicapl balance of mortgage loans serviced for others as of the balance sheet date. A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. Change in unrealized gain (loss) on securities available for sale. Weighted average cost of treasury shares repirchased during the period reported. The portion of the dividend paid on allocated ESOP shares. The number of allocated ESOP shares released with dividend payment. Number of released shares of ESOP from dividends paid on unallocated shares. The amount of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt. The number of ESOP shares released from principal reduction. Nonresidential [Member] [Default Label] Cash and Cash Equivalents, at Carrying Value Loans and Leases Receivable, Allowance Loans and Leases Receivable, Net Amount Interest Receivable Assets Deposits [Default Label] Liabilities Treasury Stock, Value Unearned ESOP Shares Stockholders' Equity Attributable to Parent Liabilities and Equity Interest and Dividend Income, Operating Interest Expense, Deposits Interest Expense Interest Income (Expense), Net Interest Income (Expense), after Provision for Loan Loss Noninterest Income Other Noninterest Expense Noninterest Expense Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Comprehensive Income (Loss), Net of Tax, Attributable to Parent Treasury Stock, Value, Acquired, Par Value Method Dividends, Common Stock Net Accretion Of Purchase Accounting Adjustments Gains (Losses) on Sales of Other Real Estate Gain (Loss) on Disposition of Property Plant Equipment Gain (Loss) on Sale of Investments Payments for Origination of Mortgage Loans Held-for-sale Gain (Loss) on Sales of Loans, Net GainOnPayoffOfPurchasedCreditImpairedLoans Increase (Decrease) in Accrued Interest Receivable, Net Increase (Decrease) in Interest Payable, Net Net Cash Provided by (Used in) Operating Activities Payments to Acquire Property, Plant, and Equipment Payments to Acquire Available-for-sale Securities Payments to Acquire Restricted Investments Payments for (Proceeds from) Loans and Leases Net Cash Provided by (Used in) Investing Activities Payments of FHLBank Borrowings, Financing Activities Payments of Ordinary Dividends, Common Stock Payments for Repurchase of Common Stock Net Cash 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LOAN SERVICING RIGHTS (Details 1) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Loan servicing rights:        
Beginning of period: $ 815 $ 1,050 $ 868 $ 1,093
Change in fair value (34) (33) (87) (76)
End of period: $ 781 $ 1,017 $ 781 $ 1,017
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BASIS OF PRESENTATION
6 Months Ended
Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
BASIS OF PRESENTATION
(1) BASIS OF PRESENTATION

 

The accompanying unaudited consolidated financial statements of Oconee Federal Financial Corp., which include the accounts of its wholly owned subsidiary Oconee Federal Savings and Loan Association (the “Association”) (referred to herein as “the Company,” “we,” “us,” or “our”), have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations.  Intercompany accounts and transactions are eliminated during consolidation.  The Company is majority owned (72.82%) by Oconee Federal, MHC.  These financial statements do not include the transactions and balances of Oconee Federal, MHC.

 

In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring accruals) necessary to present fairly the Company’s financial position as of December 31, 2019 and June 30, 2019 and the results of operations and cash flows for the interim periods ended December 31, 2019 and 2018. All interim amounts have not been audited, and the results of operations for the interim periods herein are not necessarily indicative of the results of operations to be expected for the year ending June 30, 2020 or any other period.  These consolidated financial statements should be read in conjunction with the Company’s audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended June 30, 2019. 

 

Certain amounts have been reclassified to conform to the current period presentation.  The reclassifications had no effect on net income or shareholders’ equity as previously reported.

 

Cash Flows:   Cash and cash equivalents include cash on hand, federal funds sold, overnight interest-earning deposits and amounts due from other depository institutions.

 

Use of Estimates:   To prepare financial statements in conformity with GAAP, management makes estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the consolidated financial statements and the disclosures provided, and actual results could differ.

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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Interest and dividend income:        
Loans, including fees $ 4,143 $ 4,050 $ 8,260 $ 7,817
Securities, taxable 373 402 781 816
Securities, tax-exempt 95 205 200 414
Other interest-earning assets 151 42 338 73
Total interest income 4,762 4,699 9,579 9,120
Interest expense:        
Deposits 1,025 656 2,085 1,221
Other borrowings 59 161 186 246
Total interest expense 1,084 817 2,271 1,467
Net interest income 3,678 3,882 7,308 7,653
Provision for loan losses   76   148
Net interest income after provision for loan losses 3,678 3,806 7,308 7,505
Noninterest income:        
Service charges on deposit accounts 105 113 227 213
Income on bank owned life insurance 113 115 226 229
Mortgage servicing income 48 51 97 109
Gain on sale of mortgage loans 50 23 82 49
ATM & debit card income 84 81 173 154
Change in fair value of equity securities, net (48) (28) 32 (43)
Gain on sale of securities, net     12 1
Gain on payoff of purchase credit impaired loans 32 22 32 22
Other 1 7 4 43
Total noninterest income 385 384 885 777
Noninterest expense:        
Salaries and employee benefits 1,578 1,727 3,168 3,413
Occupancy and equipment 459 462 927 877
Data processing 215 201 437 456
ATM & debit card expense 62 51 121 105
Professional and supervisory fees 181 204 328 400
Office expense 64 59 108 104
Advertising 70 59 127 109
FDIC deposit insurance 1 30 2 63
Foreclosed assets, net 100 11 144 24
Change in loan servicing asset 34 33 87 76
Other 190 213 406 420
Total noninterest expense 2,954 3,050 5,855 6,047
Income before income taxes 1,109 1,140 2,338 2,235
Income tax expense 19 221 314 447
Net income 1,090 919 2,024 1,788
Other comprehensive income        
Unrealized gains/(losses) on securities available-for-sale (84) 1,541 398 891
Tax effect 17 (312) (84) (171)
Reclassification adjustment for gains realized in net income (12) (1)
Tax effect 3
Total other comprehensive income/(loss) (67) 1,229 305 719
Comprehensive income $ 1,023 $ 2,148 $ 2,329 $ 2,507
Basic net income per share: (Note 3) (in dollars per share) $ 0.19 $ 0.16 $ 0.36 $ 0.31
Diluted net income per share: (Note 3) (in dollars per share) 0.19 0.16 0.35 0.31
Dividends declared per share: (in dollars per share) $ 0.1 $ 0.1 $ 0.2 $ 0.2
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BORROWINGS (Details Narrative) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Stated percentage of Federal Home Loan Bank Advances   2.75%
Federal Home Loan Bank with remaining availability $ 130,998  
Federal Home Loan Bank Advances [Member]    
FHLB advances collateralized by investment securities   $ 22,632
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LOANS (Details 5) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans $ 360,243 $ 360,088
Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 345,823 344,418
Pass Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 5,847 6,566
Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 3,002 3,286
Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 5,571 5,818
Real Estate Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 349,809 350,384
Real Estate Loans [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 335,389 350,384
Real Estate Loans [Member] | Pass Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 5,847 6,566
Real Estate Loans [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 3,002 3,286
Real Estate Loans [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 5,571 5,818
Real Estate Loans [Member] | One to Four Family [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 289,358 289,077
Real Estate Loans [Member] | One to Four Family [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 277,492 276,141
Real Estate Loans [Member] | One to Four Family [Member] | Pass Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 4,655 5,316
Real Estate Loans [Member] | One to Four Family [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 2,945 3,217
Real Estate Loans [Member] | One to Four Family [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 4,266 4,403
Real Estate Loans [Member] | Multi Family [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,535 1,605
Real Estate Loans [Member] | Multi Family [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,535 1,605
Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 6,241 5,191
Real Estate Loans [Member] | Home Equity [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 5,715 4,733
Real Estate Loans [Member] | Home Equity [Member] | Pass Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 420 313
Real Estate Loans [Member] | Home Equity [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 57 69
Real Estate Loans [Member] | Home Equity [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 49 76
Real Estate Loans [Member] | Nonresidential [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 17,579 19,350
Real Estate Loans [Member] | Nonresidential [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 16,375 17,951
Real Estate Loans [Member] | Nonresidential [Member] | Pass Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 341 491
Real Estate Loans [Member] | Nonresidential [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 863 908
Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,491 1,510
Real Estate Loans [Member] | Agricultural [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,171 1,154
Real Estate Loans [Member] | Agricultural [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 320 356
Real Estate Loans [Member] | Construction and Land [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 33,605 33,651
Real Estate Loans [Member] | Construction and Land [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 33,101 33,130
Real Estate Loans [Member] | Construction and Land [Member] | Pass Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 431 446
Real Estate Loans [Member] | Construction and Land [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 73 75
Commercial and Industrial [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 4,208 4,390
Commercial and Industrial [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 4,208 4,390
Consumer And Other Loans [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 6,226 5,314
Consumer And Other Loans [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans $ 6,226 $ 5,314
XML 16 R22.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Tables)
6 Months Ended
Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]  
Schedule of components of loans

The components of loans at December 31, 2019 and June 30, 2019 were as follows: 

 

    December 31,
2019
    June 30,
2019
 
Real estate loans:                
One-to-four family   $ 289,358     $ 289,077  
Multi-family     1,535       1,605  
Home equity     6,241       5,191  
Nonresidential     17,579       19,350  
Agricultural     1,491       1,510  
Construction and land     33,605       33,651  
 Total real estate loans     349,809       350,384  
Commercial and industrial     4,208       4,390  
Consumer and other loans     6,226       5,314  
     Total loans   $ 360,243     $ 360,088  
Schedule of activity in the allowance for loan losses

The following tables present the activity in the allowance for loan losses for the three and six months ended December 31, 2019 by portfolio segment:

 

Three months ended December 31, 2019   Beginning
Balance
    Provision     Charge-offs     Recoveries     Ending
Balance
 
Real estate loans:                                        
One-to-four family   $ 993     $     $     $     $ 993  
Multi-family     4                         4  
Home equity     29       4                   33  
Nonresidential     85       (8 )                 77  
Agricultural     4                         4  
Construction and land     87       7                   94  
Total real estate loans     1,202       3                   1,205  
Commercial and industrial     70       (4 )                 66  
Consumer and other loans     25       1       (1 )           25  
Total loans   $ 1,297     $     $ (1 )   $     $ 1,296  

 

Six months ended December 31, 2019   Beginning
Balance
    Provision     Charge-offs     Recoveries     Ending
Balance
 
Real estate loans:                                        
One-to-four family   $ 995     $ (2 )   $     $     $ 993  
Multi-family     4                         4  
Home equity     24       9                   33  
Nonresidential     87       (10 )                 77  
Agricultural     3       1                   4  
Construction and land     94                         94  
Total real estate loans     1,207       (2 )                 1,205  
Commercial and industrial     67       (1 )                 66  
Consumer and other loans     23       3       (1 )           25  
Total loans   $ 1,297     $     $ (1 )   $     $ 1,296  
Schedule of recorded balances of allocated loans and amount of allowance

The following table presents the recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment at December 31, 2019:

 

    Ending Allowance on Loans:     Loans:  
At December 31, 2019   Individually Evaluated for Impairment     Collectively
Evaluated for
Impairment
    Individually Evaluated for Impairment     Collectively
Evaluated for
Impairment
 
Real estate loans:                                
One-to-four family   $     $ 993     $ 2,223     $ 287,135  
Multi-family           4             1,535  
Home equity           33             6,241  
Nonresidential           77       587       16,992  
Agricultural           4       320       1,171  
Construction and land           94             33,605  
Total real estate loans           1,205       3,130       346,679  
Commercial and industrial           66             4,208  
Consumer and other loans           25             6,226  
Total loans   $     $ 1,296     $ 3,130     $ 357,113

 

The following table presents the recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment at June 30, 2019:

 

    Ending Allowance on Loans:     Loans:  
At June 30, 2019   Individually Evaluated for Impairment     Collectively
Evaluated for
Impairment
    Individually Evaluated for Impairment     Collectively
Evaluated for
Impairment
 
Real estate loans:                                
One-to-four family   $     $ 995     $ 2,291     $ 286,786  
Multi-family           4             1,605  
Home equity           24             5,191  
Nonresidential           87       613       18,737  
Agricultural           3       356       1,154  
Construction and land           94             33,651  
Total real estate loans           1,207       3,260       347,124  
Commercial and industrial           67             4,390  
Consumer and other loans           23             5,314  
Total loans   $     $ 1,297     $ 3,260     $ 356,828  

Schedule of loans individually evaluated for impairment

The tables below present loans that were individually evaluated for impairment by portfolio segment at December 31, 2019 and June 30, 2019, including the average recorded investment balance and interest earned for the six months ended December 31, 2019 and the year ended June 30, 2019:

 

    December 31, 2019  
    Unpaid Principal Balance     Recorded Investment     Related Allowance     Average Recorded Investment     Interest Income Recognized  
With no recorded allowance:                                        
Real estate loans:                                        
One-to-four family   $ 2,300     $ 2,223     $     $ 2,257     $ 31  
Multi-family                              
Home equity                              
Nonresidential     621       587             600        
Agricultural     869       320             338        
Construction and land                              
Total real estate loans     3,790       3,130             3,195       31  
Commercial and industrial                              
Consumer and other loans                              
Total   $ 3,790     $ 3,130     $     $ 3,195     $ 31  
                                         
With recorded allowance:                                        
Real estate loans:                                        
One-to-four family   $     $     $     $     $  
Multi-family                              
Home equity                              
Nonresidential                              
Agricultural                              
Construction and land                              
Total real estate loans                              
Commercial and industrial                              
Consumer and other loans                              
Total   $     $     $     $     $  
                                         
Totals:                                        
Real estate loans   $ 3,790     $ 3,130     $     $ 3,195     $ 31  
Consumer and other loans                              
Total   $ 3,790     $ 3,130     $     $ 3,195     $ 31  

  

    June 30, 2019  
    Unpaid
Principal
Balance
    Recorded
Investment
    Related
Allowance
    Average
Recorded
Investment
    Interest
Income
Recognized
 
With no recorded allowance:                                        
Real estate loans:                                        
One-to-four family   $ 2,375     $ 2,291     $     $ 2,363     $ 53  
Multi-family                              
Home equity                              
Nonresidential     648       613             642        
Agricultural     905       356             390        
Construction and land                              
Total real estate loans     3,928       3,260             3,395       53  
Commercial and industrial                              
Consumer and other loans                              
Total   $ 3,928     $ 3,260     $     $ 3,395     $ 53  
                                         
With recorded allowance:                                        
Real estate loans:                                        
One-to-four family   $     $     $     $     $  
Multi-family                              
Home equity                              
Nonresidential                              
Agricultural                              
Construction and land                              
Total real estate loans                              
Commercial and industrial                              
Consumer and other loans                              
Total   $     $     $     $     $  
                                         
Totals:                                        
Real estate loans   $ 3,928     $ 3,260     $     $ 3,395     $ 53  
Consumer and other loans                              
Total   $ 3,928     $ 3,260     $     $ 3,395     $ 53  
Schedule of past due and nonaccrual loans by portfolio segment

Total past due loans and nonaccrual loans at December 31, 2019:

 

  

30-59
Days
Past Due

  

60-89
Days
Past Due

  

90 Days
or More
Past Due

  

Total
Past Due

   Current  

Total
Loans

  

Nonaccrual
Loans

  

Accruing
Loans
Past Due 90
 Days or More

 
Real estate loans:                                        
One-to-four family  $3,773   $2,421   $237   $6,431   $282,927   $289,358   $2,349   $ 
Multi-family   224            224    1,311    1,535         
Home equity   77        40    117    6,124    6,241    777     
Nonresidential   512            512    17,067    17,579    29     
Agricultural                   1,491    1,491    40     
Construction and land   40            40    33,565    33,605    320     
Total real estate loans   4,626    2,421    277    7,324    342,485    349,809    3,515     
Commercial and industrial                   4,208    4,208         
Consumer and other loans                   6,226    6,226         
Total  $4,626   $2,421   $277   $7,324   $352,919   $360,243   $3,515   $ 

 

Total past due and nonaccrual loans by portfolio segment at June 30, 2019:

 

  

30-59
Days
Past Due

  

60-89
Days
Past Due

  

90 Days
or More
Past Due

  

Total
Past Due

   Current  

Total
Loans

  

Nonaccrual
Loans

  

Accruing
Loans
Past Due 90
Days or More

 
Real estate loans:                                        
One-to-four family  $5,879   $1,486   $229   $7,594   $281,483   $289,077   $2,674   $ 
Multi-family   228            228    1,377    1,605         
Home equity   64        40    104    5,087    5,191    40     
Nonresidential   458            458    18,892    19,350    816     
Agricultural                   1,510    1,510    356     
Construction and land   308    31        339    33,312    33,651    31     
Total real estate loans   6,937    1,517    269    8,723    341,661    350,384    3,917     
Commercial and industrial                   4,390    4,390         
Consumer and other loans   8            8    5,306    5,314         
Total  $6,945   $1,517   $269   $8,731   $351,357   $360,088   $3,917   $ 

 

Schedule of total loans by risk grade and portfolio segment

Total loans by risk grade and portfolio segment at December 31, 2019:

 

    Pass     Pass-Watch     Special
Mention
    Substandard     Doubtful     Total  
Real estate loans:                                                
One-to-four family   $ 277,492     $ 4,655     $ 2,945     $ 4,266     $     $ 289,358  
Multi-family      1,535                                1,535  
Home equity      5,715        420        57        49              6,241  
Nonresidential      16,375        341              863              17,579  
Agricultural      1,171                    320              1,491  
Construction and land      33,101        431              73              33,605  
Total real estate loans      335,389        5,847        3,002        5,571              349,809  
Commercial and industrial      4,208                                4,208  
Consumer and other loans      6,226        —        —        —        —        6,226  
Total   $ 345,823     $ 5,847     $ 3,002     $ 5,571     $     $ 360,243  

  

Total loans by risk grade and portfolio segment at June 30, 2019:

 

    Pass     Pass-Watch     Special
Mention
    Substandard     Doubtful     Total  
Real estate loans:                                                
One-to-four family   $ 276,141     $ 5,316     $ 3,217     $ 4,403     $     $ 289,077  
Multi-family      1,605                                1,605  
Home equity      4,733        313        69        76              5,191  
Nonresidential      17,951        491              908              19,350  
Agricultural      1,154                    356              1,510  
Construction and land     33,130       446             75             33,651  
Total real estate loans      334,714        6,566        3,286        5,818              350,384  
Commercial and industrial      4,390                                4,390  
Consumer and other loans     5,314                               5,314  
Total   $ 344,418     $ 6,566     $ 3,286     $ 5,818     $     $ 360,088  
XML 17 R26.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
STOCK BASED COMPENSATION (Tables)
6 Months Ended
Dec. 31, 2019
Share-based Payment Arrangement, Noncash Expense [Abstract]  
Schedule of stock option activity

The following table summarizes stock option activity for the six months ended December 31, 2019:

 

 

 

Options

 

 

Weighted-
Average
Exercise
Price/Share

 

 

Aggregate
Intrinsic
Value (1)

 

Outstanding - June 30, 2019

 

 

 169,519

 

 

$

14.65

 

 

 

 

 

Granted

 

 

 

 

 

 

 

 

 

 

Exercised

 

 

 

 

 

 

 

 

 

 

Forfeited

 

 

 (5,200

)

 

 

29.33

 

 

 

 

 

Outstanding - December 31, 2019

 

 

 164,319

 

 

$

14.18

 

 

$

1,943

 

Fully vested and exercisable at December 31, 2019

 

 

 143,419

 

 

$

12.86

 

 

$

1,886

 

Expected to vest in future periods

 

 

 20,900

 

 

 

 

 

 

 

 

 

Fully vested and expected to vest - December 31, 2019

 

 

 164,319

 

 

$

14.18

 

 

$

1,943

 

 

 

(1)

The intrinsic value for stock options is defined as the difference between the current market value and the exercise price.  The current market price was based on the closing price of common stock of $26.01 per share on December 31, 2019. 

 

Schedule of non-vested restricted stock activity

The following table summarizes non-vested restricted stock activity for the six months ended December 31, 2019:

  

    December 31,
 2019
 
Balance - beginning of year      8,800  
Granted      
Forfeited      
Vested      —  
Balance - end of period      8,800  
Weighted average grant date fair value   $ 19.77  
XML 18 R37.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SECURITIES AVAILABLE-FOR-SALE (Details Narrative) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Investments, Debt and Equity Securities [Abstract]    
Securities pledged to secure public deposits $ 20,160 $ 26,029
Percentage holdings of securities greater than shareholders' equity 10.00% 10.00%
XML 19 R33.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SECURITIES AVAILABLE-FOR-SALE (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Available-for-sale:    
Amortized Cost $ 84,639 $ 94,738
Gross Unrealized Gains 1,003 655
Gross Unrealized Losses (118) (156)
Change in fair value equity securities 224 192
Available-for-sale Securities 85,748 95,429
US Government Agency Mortgage-Backed Securities [Member]    
Available-for-sale:    
Amortized Cost 42,124 40,366
Gross Unrealized Gains 483 228
Gross Unrealized Losses (27) (52)
Available-for-sale Securities 42,580 40,542
FHLMC Common Stock [Member]    
Available-for-sale:    
Amortized Cost 20 20
Change in fair value equity securities 224 192
Available-for-sale Securities 244 212
Certificates of Deposit [Member]    
Available-for-sale:    
Amortized Cost 2,493 2,493
Gross Unrealized Gains 35 11
Gross Unrealized Losses   (5)
Available-for-sale Securities 2,528 2,499
Municipal Securities [Member]    
Available-for-sale:    
Amortized Cost 21,092 24,968
Gross Unrealized Gains 389 295
Gross Unrealized Losses (27) (38)
Available-for-sale Securities 21,454 25,225
SBA Loan Pools [Member]    
Available-for-sale:    
Amortized Cost 18 22
Available-for-sale Securities 18 22
Collateralized Mortgage Obligations [Member]    
Available-for-sale:    
Amortized Cost 12,883 14,889
Gross Unrealized Gains 86 111
Gross Unrealized Losses (56) (30)
Available-for-sale Securities 12,913 14,970
US Government Agencies Bonds [Member]    
Available-for-sale:    
Amortized Cost 6,009 11,980
Gross Unrealized Gains 10 10
Gross Unrealized Losses (8) (31)
Available-for-sale Securities $ 6,011 $ 11,959
XML 20 R10.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
EARNINGS PER SHARE (''EPS'')
6 Months Ended
Dec. 31, 2019
Earnings Per Share [Abstract]  
EARNINGS PER SHARE ("EPS")
(3) EARNINGS PER SHARE (“EPS”)

 

Basic EPS is based on the weighted average number of common shares outstanding and is adjusted for ESOP shares not yet committed to be released.  Unvested restricted stock awards, which contain rights to non-forfeitable dividends, are considered participating securities and the two-class method of computing basic and diluted EPS is applied.  Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as outstanding stock options, were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company.  Diluted EPS is calculated by adjusting the weighted average number of shares of common stock outstanding to include the effect of contracts or securities exercisable (such as stock options) or which could be converted into common stock, if dilutive, using the treasury stock method.  The factors used in the earnings per common share computation follow: 

   

    Three Months Ended     Six Months Ended  
    December 31,
2019
    December 31,
2018
    December 31,
2019
    December 31,
2018
 
Earnings per share                        
Net income   $ 1,090     $ 919     $ 2,024     $ 1,788  
Less:  distributed earnings allocated to participating securities     (1 )     (1 )     (2 )     (3 )
Less:  (undistributed income) dividends in excess of earnings allocated to participating securities     (1 )     (2 )     (1 )     (2 )
Net earnings available to common shareholders   $ 1,088     $ 916     $ 2,021     $ 1,783  
                                 
Weighted average common shares outstanding including participating securities     5,719,941       5,762,678       5,729,799       5,768,419  
Less:  participating securities     (8,800 )     (15,355 )     (8,800 )     (15,355 )
Less: average unearned ESOP shares     (50,412 )     (61,926 )     (43,880 )     (55,760 )
Weighted average common shares outstanding     5,660,729       5,685,397       5,677,119       5,697,304  
                                 
Basic earnings per share   $ 0.19     $ 0.16     $ 0.36     $ 0.31  
                                 
Weighted average common shares outstanding     5,660,729       5,685,397       5,677,119       5,697,304  
Add:  dilutive effects of assumed exercises of stock options     66,874       119,788       65,850       123,711  
Average shares and dilutive potential common shares     5,727,603       5,805,185       5,742,969       5,821,015  
                                 
Diluted earnings per share   $ 0.19     $ 0.16     $ 0.35     $ 0.31  

 

For the three and six months ended December 31, 2019, 11,200 shares were considered anti-dilutive as the exercise price was in excess of the average market price, and for the three and six months ended December 31, 2018, 22,400 shares were considered anti-dilutive as the exercise price was in excess of the average market price.

XML 21 R14.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
FAIR VALUE OF FINANCIAL INSTRUMENTS
6 Months Ended
Dec. 31, 2019
Fair Value Disclosures [Abstract]  
FAIR VALUE OF FINANCIAL INSTRUMENTS

(7)           FAIR VALUE OF FINANCIAL INSTRUMENTS

 

Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair values:

 

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

 

Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

Investment Securities:

 

The fair values for investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

 

Impaired Loans: 

 

The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.  Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification.  Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Real Estate Owned: 

 

Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  Fair value is commonly based on recent real estate appraisals, which are updated no less frequently than annually.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Appraisals for both collateral-dependent impaired loans and real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company.  Once received, management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.  On an annual basis, the Company compares the actual selling price of collateral that has been sold to the most recent appraised value to determine what additional adjustment should be made to the appraisal value to arrive at fair value.

 

Loan Servicing Rights:    

 

Fair value is determined based on a valuation model that calculates the present value of estimated future net servicing income.  The valuation model utilizes assumptions that market participants would use in estimating future net servicing income and that can be validated against available market data and results in a Level 3 classification.

 

Assets and liabilities measured at fair value on a recurring basis at December 31, 2019 and June 30, 2019 are summarized below:

 

    Fair Value Measurements  
    December 31, 2019     June 30, 2019  
    (Level 2)     (Level 3)     (Level 2)     (Level 3)  
Financial assets:                                
Securities available-for-sale:                                
FHLMC common stock   $ 244     $     $ 212     $  
Certificates of deposit      2,528              2,499        
Municipal securities      21,454              25,225        
SBA loan pools      18              22        
CMOs      12,913              14,970        
U.S. Government agency mortgage-backed securities      42,580              40,542        
U.S. Government agency bonds      6,011        —        11,959        —  
Total securities available-for-sale      85,748              95,429        
Loan servicing rights      —        781        —        868  
Total financial assets   $ 85,748     $ 781     $ 95,429     $ 868  

  

Presented in the table below are assets measured at fair value on a nonrecurring basis using level 3 inputs at December 31, 2019 and June 30, 2019:

 

    Fair Value Measurements  
    December 31,
2019
    June 30,
2019
 
    (Level 3)     (Level 3)  
Non-financial assets:                
Real estate owned, net:                
One-to-four family   $ 136     $ 226  
Nonresidential      481        585  
Total non-financial assets      617        811  
Total assets measured at fair value on a non-recurring basis   $ 617     $ 811  

 

Real estate owned is carried at the lower of carrying value or fair value less costs to sell.  The carrying value of real estate owned at December 31, 2019 and June 30, 2019 was $617 and $811, respectively. The valuation allowances associated with these properties at December 31, 2019 and June 30, 2019 was $117 and $38, respectively. 

 

The table below presents a reconciliation of all Level 3 assets measured at fair value on a recurring basis using significant unobservable inputs for the three and six months ended December 31, 2019 and 2018:

 

    Fair Value Measurements  
    (Level 3)  
    Three Months Ended     Six Months Ended  
    December 31,
 2019
    December 31,
 2018
    December 31,
 2019
    December 31,
 2018
 
    Loan
Servicing
Rights
    Loan
Servicing
Rights
    Loan
Servicing
Rights
    Loan
Servicing
Rights
 
Balance at beginning of period:   $ 815     $ 1,050     $ 868     $ 1,093  
Purchases                        
Unrealized net losses included in net income      (34 )      (33 )      (87 )   $ (76 )
Balance at end of period:   $ 781     $ 1,017     $ 781     $ 1,017  

  

The table below presents the valuation methodology and unobservable inputs for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2019 and June 30, 2019.

 

      Level 3 Quantitative Information  
    December 31, 
2019
    June 30, 
2019
    Valuation
Technique
  Unobservable Inputs    Range  
    Fair Value     Fair Value                
Loan servicing rights   $ 781     $ 868     Discounted cash flows   Discount rate, estimated timing of cash flows    9.25% to 9.75%  
                               
Real estate owned net:                   Sales comparison approach   Adjustment for differences between the comparable sales   0% to 20%  
One-to-four family   $ 136     $ 226                
Nonresidential   $ 481     $ 585     Sales comparison approach Adjustment for differences between the comparable sales    0% to 20%  

 

Many of the Company’s assets and liabilities are short-term financial instruments whose carrying amounts reported in the consolidated balance sheets approximate fair value.  These items include cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable balances, variable rate loan and deposits that re-price frequently and fully.  The estimated fair values of the Company’s remaining on-balance sheet financial instruments at December 31, 2019 and June 30, 2019 are summarized below:

 

    December 31, 2019  
    Carrying     Fair Value  
    Amount     (Level 1)     (Level 2)     (Level 3)     Total  
Financial assets                                        
Securities available-for-sale   $ 85,748     $     $ 85,748     $     $ 85,748  
Loans, net (1)      358,947                    361,305        361,305  
Loan servicing rights      781                    781        781  
Restricted equity securities      1,046        N/A        N/A        N/A        N/A  
                                         
Financial liabilities                                        
Deposits   $ 412,402     $ 195,767     $ 213,493     $     $ 409,260  

  

    June 30, 2019  
    Carrying     Fair Value  
    Amount     (Level 1)     (Level 2)     (Level 3)     Total  
Financial assets                                        
Securities available-for-sale   $ 95,429     $     $ 95,429     $     $ 95,429  
 Loans, net (1)      358,791                    358,473        358,473  
Loan servicing rights      868                    868        868  
Restricted equity securities      1,854        N/A        N/A        N/A        N/A  
                                         
Financial liabilities                                        
Deposits   $ 419,106     $ 196,466     $ 218,985     $     $ 415,451  
FHLB Advances      19,000              19,000              19,000  

  

  (1) Carrying amount of loans is net of unearned income and the allowance. In accordance with the adoption of ASU No. 2016-01, the fair value of loans as of December 31, 2019 and June 30, 2019 was measured using an exit price notion.
XML 22 R18.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SUPPLEMENTAL CASH FLOW INFORMATION
6 Months Ended
Dec. 31, 2019
Supplemental Cash Flow Information [Abstract]  
SUPPLEMENTAL CASH FLOW INFORMATION
(11) SUPPLEMENTAL CASH FLOW INFORMATION

 

Supplemental cash flow information for the six months ended December 31, 2019 and 2018 is as follows:

 

    December 31,     December 31,  
    2019     2018  
Cash paid during the period for:                
Interest paid   $ 2,269     $ 1,465  
Income taxes paid   $ 140     $ 218  
Supplemental noncash disclosures:                
Transfers from loans to real estate owned   $     $ 48  
Change in unrealized gain/loss on securities available-for-sale   $ 386     $ 856  
XML 23 R52.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 4) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Financial assets    
Securities available-for-sale $ 85,748 $ 95,429
Level 1 [Member]    
Financial liabilities    
Deposits 195,767 196,466
Level 2 [Member]    
Financial assets    
Securities available-for-sale 85,748 95,429
Financial liabilities    
Deposits 213,493 218,985
FHLB Advances   19,000
Level 3 [Member]    
Financial assets    
Loans, net [1] 361,305 358,473
Loan servicing rights 781 868
Carrying Amount [Member]    
Financial assets    
Securities available-for-sale 85,748 95,429
Loans, net [1] 358,947 358,791
Loan servicing rights 781 868
Restricted equity securities 1,046 1,854
Financial liabilities    
Deposits 412,402 419,106
FHLB Advances   19,000
Total Fair Value [Member]    
Financial assets    
Securities available-for-sale 85,748 95,429
Loans, net [1] 361,305 358,473
Loan servicing rights 781 868
Financial liabilities    
Deposits $ 409,260 415,451
FHLB Advances   $ 19,000
[1] Carrying amount of loans is net of unearned income and the allowance. In accordance with the adoption of ASU No. 2016-01, the fair value of loans as of December 31, 2019 and June 30, 2019 was measured using an exit price notion.
XML 24 R56.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
STOCK BASED COMPENSATION (Details) - Employee and Directors Stock Options [Member]
$ / shares in Units, $ in Thousands
6 Months Ended
Dec. 31, 2019
USD ($)
$ / shares
shares
Options  
Outstanding - June 30, 2019 (in shares) 169,519
Forfeited (in shares) (5,200)
Outstanding - December 31, 2019 (in shares) 164,319
Fully vested and exercisable at December 31, 2019 (in shares) 143,419
Expected to vest in future periods (in shares) 20,900
Fully vested and expected to vest - December 31, 2019 (in shares) 164,319
Weighted-Average Exercise Price/Share  
Outstanding - June 30, 2019 (in dollars per share) | $ / shares $ 14.65
Forfeited (in dollars per share) | $ / shares 29.33
Outstanding - December 31, 2019 (in dollars per share) | $ / shares 14.18
Fully vested and exercisable at December 31, 2019 (in dollars per share) | $ / shares 12.86
Fully vested and expected to vest - December 31, 2019 (in dollars per share) | $ / shares $ 14.18
Aggregate Intrinsic Value  
Outstanding - December 31, 2019 | $ $ 1,943 [1]
Fully vested and exercisable at December 31, 2019 | $ 1,886 [1]
Fully vested and expected to vest - December 31, 2019 | $ $ 1,943 [1]
[1] The intrinsic value for stock options is defined as the difference between the current market value and the exercise price. The current market price was based on the closing price of common stock of $26.01 per share on December 31, 2019.
XML 25 R36.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SECURITIES AVAILABLE-FOR-SALE (Details 3) - USD ($)
$ in Thousands
6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Available-for-sale:    
Proceeds $ 5,268 $ 1,193
Gross gains 15 3
Gross losses $ (3) $ (2)
XML 26 R32.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
EARNINGS PER SHARE (''EPS'') (Details Narrative) - shares
6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Earnings Per Share [Abstract]    
Antidilutive shares 11,200 22,400
XML 27 R19.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SUBSEQUENT EVENTS
6 Months Ended
Dec. 31, 2019
Subsequent Events [Abstract]  
SUBSEQUENT EVENTS
(12) SUBSEQUENT EVENTS

 

On January 23, 2020, the Board of Directors of Oconee Federal Financial Corp. declared a quarterly cash dividend of $0.10 per share of Oconee Federal Financial Corp.’s common stock.  The dividend is payable to stockholders of record as of February 6, 2020, and will be paid on or about February 20, 2020.

XML 28 R11.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SECURITIES AVAILABLE-FOR-SALE
6 Months Ended
Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]  
SECURITIES AVAILABLE-FOR-SALE
(4)SECURITIES AVAILABLE-FOR-SALE

 

Debt, mortgage-backed and equity securities have been classified in the consolidated balance sheets according to management’s intent. U.S. Government agency mortgage-backed securities consists of securities issued by U.S. Government agencies and U.S. Government sponsored enterprises. Investment securities at December 31, 2019 and June 30, 2019 are as follows:

 

       Gross   Gross   Change in     
   Amortized   Unrealized   Unrealized   Fair Value   Fair 
December 31, 2019  Cost   Gains   Losses   Equity Securities   Value 
Available-for-sale:                         
FHLMC common stock  $20   $   $   $224   $244 
Certificates of deposit   2,493    35            2,528 
Municipal securities   21,092    389    (27)       21,454 
SBA loan pools   18                18 
CMOs   12,883    86    (56)       12,913 
U.S. Government agency mortgage-backed securities   42,124    483    (27)       42,580 
U.S. Government agency bonds   6,009    10    (8)       6,011 
Total available-for-sale  $84,639   $1,003   $(118)  $224   $85,748 

  

       Gross   Gross   Change in     
   Amortized   Unrealized   Unrealized   Fair Value   Fair 
June 30, 2019  Cost   Gains   Losses   Equity Securities   Value 
Available-for-sale:                         
FHLMC common stock  $20   $   $   $192   $212 
Certificates of deposit   2,493    11    (5)       2,499 
Municipal securities   24,968    295    (38)       25,225 
SBA loan pools   22                22 
CMOs   14,889    111    (30)       14,970 
U.S. Government agency mortgage-backed securities   40,366    228    (52)       40,542 
U.S. Government agency bonds   11,980    10    (31)       11,959 
Total available-for-sale  $94,738   $655   $(156)  $192   $95,429 

 

Securities pledged at December 31, 2019 and June 30, 2019 had fair values of $20,160 and $26,029, respectively.  These securities were pledged to secure public deposits and Federal Home Loan Bank (“FHLB”) advances. 

 

At December 31, 2019 and June 30, 2019, there were no holdings of securities of any one issuer, other than U.S. Government agencies and U.S. Government sponsored enterprises, in an amount greater than 10% of shareholders’ equity.

 

The following tables show the fair value and unrealized loss of securities that have been in unrealized loss positions for less than twelve months and for twelve months or more at December 31, 2019 and June 30, 2019.  The tables also show the number of securities in an unrealized loss position for each category of investment security as of the respective dates. 

 

   Less than 12 Months   12 Months or More   Total 
   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1) 
December 31, 2019                                    
Available-for-sale:                                    
Municipal securities   2,518    (22)   7    634    (5)   1    3,152    (27)   8 
CMOs   3,499    (40)   7    1,202    (16)   3    4,701    (56)   10 

U.S. Government agency

mortgage-backed securities

   4,734    (27)   7                4,734    (27)   7 
U.S. Government agency bonds               992    (8)   1    992    (8)   1 
   $10,751   $(89)   21   $2,828   $(29)   5   $13,579   $(118)   26 

 

 

   Less than 12 Months   12 Months or More   Total 
   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1) 
June 30, 2019                                    
Available-for-sale:                                    
Certificates of deposit  $991   $(5)   4   $   $       $991   $(5)   4 
Municipal securities   745    (10)   2    3,750    (28)   7    4,495    (38)   9 
CMOs               3,059    (30)   7    3,059    (30)   7 

U.S. Government agency

mortgage-backed securities

   5,377    (9)   5    11,198    (43)   18    16,575    (52)   23 
U.S. Government agency bonds   4,475    (23)   4    2,013    (8)   2    6,488    (31)   6 
   $11,588   $(47)   15   $20,020   $(109)   34   $31,608   $(156)   49 

   

 

(1)

Actual amounts.              

 

The Company evaluates securities for other-than-temporary impairments (“OTTI”) at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.  The Company considers the length of time and the extent to which the fair value has been less than amortized cost and the financial condition and near-term prospects of the issuer.  Additionally, the Company considers its intent to sell or whether it will be more likely than not it will be required to sell the security prior to the security’s anticipated recovery in fair value.  In analyzing an issuer’s financial condition, the Company may consider whether the securities are issued by federal Government agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. 

 

None of the unrealized losses at December 31, 2019 were recognized into net income for the three or six months ended December 31, 2019 because the issuers’ bonds are of high credit quality, management does not intend to sell and it is more likely than not that management will not be required to sell the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates.  The fair value of these securities is expected to recover as they approach their maturity date or reset date.  None of the unrealized losses at June 30, 2019 were recognized as having OTTI during the year ended June 30, 2019.        

 

The following table presents the amortized cost and fair value of debt securities classified as available-for-sale at December 31, 2019 and June 30, 2019 by contractual maturity. 

 

   December 31, 2019   June 30, 2019 
   Amortized   Fair   Amortized   Fair 
   Cost   Value   Cost   Value 
Less than one year  $1,250   $1,250   $2,000   $1,994 
Due from one to five years   11,527    11,616    11,627    11,663 
Due after five years to ten years   10,471    10,685    18,817    18,955 
Due after ten years   6,364    6,460    7,019    7,093 

Mortgage-backed securities, CMOs and FHLMC stock (1)

   55,027    55,737    55,275    55,724 
Total available for sale  $84,639   $85,748   $94,738   $95,429 

 

 

(1)

Actual cash flows may differ from contractual maturities as borrowers may prepay obligations without prepayment penalty. FHLMC common stock is not scheduled because it has no contractual maturity date.     

 

The following table presents the gross proceeds from sales of securities available-for-sale and gains or losses recognized for the three and six months ended December 31, 2019 and 2018:

 

   Three Months Ended   Six Months Ended 
Available-for-sale:  December 31,
2019
   December 31,
2018
   December 31,
2019
   December 31,
2018
 
Proceeds  $   $   $5,268   $1,193 
Gross gains           15    3 
Gross losses           (3)   (2)

  

The tax provision related to the net realized gain for the six months ended December 31, 2019 was $3, and for the six months ended December 31, 2018 was less than $1.

 

XML 29 R15.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
EMPLOYEE STOCK OWNERSHIP PLAN
6 Months Ended
Dec. 31, 2019
Share-based Payment Arrangement [Abstract]  
EMPLOYEE STOCK OWNERSHIP PLAN

(8)           EMPLOYEE STOCK OWNERSHIP PLAN

 

Employees participate in an Employee Stock Ownership Plan (“ESOP”).  The ESOP borrowed from the Company to purchase 248,842 shares of the Company’s common stock at $10.00 per share during 2011.  The Company makes discretionary contributions to the ESOP and pays dividends on unallocated shares to the ESOP, and the ESOP uses funds it receives to repay the loan.  When loan payments are made, ESOP shares are allocated to participants based on relative compensation and expense is recorded.  Dividends on allocated shares increase participant accounts.

 

Participants receive the shares at the end of employment.  The Company makes contributions to the ESOP each December. There were no discretionary contributions made to the ESOP for debt retirement in 2019 or 2018. Total ESOP compensation expense for the three and six months ended December 31, 2019 was $91 and $185, respectively, and for the three and six months ended December 31, 2018 was $116 and $231, respectively.

  

Shares held by the ESOP at December 31, 2019 and June 30, 2019 were as follows:

  

    December 31,
 2019
  June 30,
2019
 
Committed to be released to participants     23,865       11,983  
Allocated to participants     127,257       127,257  
Unearned     41,579       59,245  
Total ESOP shares     192,701       198,485  
                 
Fair value of unearned shares   $ 1,081     $ 1,360  
XML 30 R53.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details Narrative) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Fair Value Disclosures [Abstract]    
Carrying value of real estate owned $ 617 $ 811
Real estate owned, valuation allowance $ 117 $ 38
XML 31 R57.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
STOCK BASED COMPENSATION (Details 1) - Restricted Stock [Member]
6 Months Ended
Dec. 31, 2019
$ / shares
shares
Non-vested stock activity  
Balance - beginning of year (in shares) 8,800
Granted (in shares)
Balance - end of period (in shares) 8,800
Weighted average grant date fair value (in dollars per share) | $ / shares $ 19.77
XML 32 R1.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Document and Entity Information - shares
6 Months Ended
Dec. 31, 2019
Feb. 06, 2020
Document And Entity Information [Abstract]    
Entity Registrant Name Oconee Federal Financial Corp.  
Entity Central Index Key 0001501078  
Document Type 10-Q  
Document Period End Date Dec. 31, 2019  
Amendment Flag false  
Current Fiscal Year End Date --06-30  
Entity File Number 001-35033  
Entity Incorporation, State or Country Code SC  
Entity Reporting Status Current Yes  
Entity Interactive Data Current Yes  
Entity Small Business true  
Entity Filer Category Non-accelerated Filer  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   5,718,607
Document Fiscal Period Focus Q2  
Document Fiscal Year Focus 2020  
XML 33 R5.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) - USD ($)
$ in Thousands
Common Stock [Member]
Treasury Stock [Member]
Additional Paid-In Capital [Member]
Retained Earnings [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Unearned ESOP Shares [Member]
Total
Balance at Jun. 30, 2018 $ 65 $ (7) $ 12,000 $ 76,136 $ (2,528) $ (801) $ 84,865
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income       1,788     1,788
Other comprehensive income (loss)         719   719
Purchase of shares of treasury stock [1]     (615)       (615)
Stock-based compensation expense     72       72
Dividends [2]     36 (1,105)     (1,069)
ESOP shares earned     132     99 231
Balance at Dec. 31, 2018 65 (7) 11,625 76,819 (1,809) (702) 85,991
Balance at Sep. 30, 2018 65 (7) 11,582 76,427 (3,038) (752) 84,277
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income       919     919
Other comprehensive income (loss)         1,229   1,229
Purchase of shares of treasury stock [1]     (94)       (94)
Stock-based compensation expense     36       36
Dividends [2]     35 (527)     (492)
ESOP shares earned     66     50 116
Balance at Dec. 31, 2018 65 (7) 11,625 76,819 (1,809) (702) 85,991
Balance at Jun. 30, 2019 65 (8) 10,986 77,464 394 (604) 88,297
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income       2,024     2,024
Other comprehensive income (loss)         305   305
Purchase of shares of treasury stock [3]     (927)       (927)
Stock-based compensation expense     39       39
Dividends [4]     29 (1,096)     (1,067)
ESOP shares earned     88     97 185
Balance at Dec. 31, 2019 65 (8) 10,215 78,392 699 (507) 88,856
Balance at Sep. 30, 2019 65 (8) 10,254 77,823 766 (555) 88,345
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net income       1,090     1,090
Other comprehensive income (loss)         (67)   (67)
Purchase of shares of treasury stock [3]     (131)       (131)
Stock-based compensation expense     20       20
Dividends [4]     29 (521)     (492)
ESOP shares earned     43     48 91
Balance at Dec. 31, 2019 $ 65 $ (8) $ 10,215 $ 78,392 $ 699 $ (507) $ 88,856
[1] The weighted average cost of treasury shares purchased during the three months ended was $25.89 per share. Treasury stock repurchases were accounted for using the par value method.
[2] Approximately $85 of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt, resulting in the release of approximately 7,100 additional shares. The portion of the dividend paid on allocated shares of approximately $49 and resulting release of approximately 4,500 shares, was treated as a dividend. The portion of the dividend paid on unallocated shares of approximately $36 and resulting release of approximately 2,600 shares, and was accounted for as additional compensation expense for the three months ended December 31, 2018.
[3] The weighted average cost of treasury shares purchased during the three months ended was $23.02 per share. Treasury stock repurchases were accounted for using the par value method.
[4] Approximately $79 of cash dividends paid on shares in the ESOP was used as an additional principal reduction on the ESOP debt, resulting in the release of approximately 7,200 additional shares. The portion of the dividend paid on allocated shares of approximately $50 and resulting release of approximately 4,300 shares, was treated as a dividend. The portion of the dividend paid on unallocated shares of approximately $29 and resulting release of approximately 2,900 shares, and was accounted for as additional compensation expense for the three months ended December 31, 2019.
XML 34 R61.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOAN SERVICING RIGHTS (Details Narrative) - USD ($)
$ in Thousands
6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Jun. 30, 2019
Servicing Assets at Fair Value [Line Items]      
Custodial escrow balances $ 366   $ 771
Discount rate 9.25% 10.25%  
Weighted average default rate 0.29% 0.40%  
Maximum [Member]      
Servicing Assets at Fair Value [Line Items]      
Prepayment speed assumption 14.20% 13.70%  
Minimum [Member]      
Servicing Assets at Fair Value [Line Items]      
Prepayment speed assumption 5.90% 4.70%  
XML 35 R9.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
NEW ACCOUNTING STANDARDS
6 Months Ended
Dec. 31, 2019
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]  
NEW ACCOUNTING STANDARDS
(2) NEW ACCOUNTING STANDARDS

 

Accounting Standards Update (“ASU”) 2019-12, “Income Taxes (Topic 740)”. Issued in December 2019, ASU 2019-12 provides guidance to simplify accounting for income taxes by removing specific technical exceptions that often produce information investors have a hard time understanding. The amendments also improve consistent application of and simplify GAAP for other areas of Topic 740 by clarifying and amending existing guidance. For the Company, the amendments are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-11, “Codification to Improvements to Topic 326, Financial Instruments – Credit Losses”. Issued in November 2019, ASU 2019-11 provides guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The amendments affect a variety of Topics in the Accounting Standards Codification. For the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as an entity has adopted the amendments in ASU 2016-13. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-10, “Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)”. Issued in November 2019, ASU 2019-10 provides guidance to defer the effective dates for private companies, not-for-profit organizations, and certain smaller reporting companies (such as the Company) applying standards on current expected credit losses (CECL), derivatives, hedging and leases. For the Company, the new effective date for Credit Losses (CECL) will be for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. For the Company, the effective dates for Derivatives, Hedging and Leases were not deferred under this guidance. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-07, “Codification Updates to SEC Sections”. Issued in July 2019, ASU 2019-07 updates various Topics of the Accounting Standards Codification to align the guidance in various SEC sections of the Codification with the requirements of certain SEC final rules. The amendments were effective upon issuance and did not have a material effect on the financial statements.

 

ASU 2019-05, “Financial Instruments—Credit Losses (Topic 326): Targeted Transition Relief”.   Issued in May 2019, ASU 2019-05 provides entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. On October 16, 2019, the Financial Accounting Standards Board (“FASB”) announced a delay in the implementation schedule allowing certain entities, including smaller reporting companies (such as the Company) to adopt ASU 2016-13 in fiscal years beginning after December 15, 2022, and interim periods within those years. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-04, “Codification Improvements to Topic 326, Financial Instruments—Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments”. Issued in April 2019, ASU 2019-04 clarifies and improves areas of guidance related to the recently issued standards on credit losses, hedging, and recognition and measurement of financial instruments. The amendments related to credit losses will be effective for the Company for reporting periods beginning after December 15, 2019. The amendments related to hedging will be effective for the Company for interim and annual periods beginning after December 15, 2018. The amendments related to recognition and measurement of financial instruments will be effective for the Company for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company does not expect these amendments to have a material effect on its financial statements.

 

ASU 2019-01, Leases (Topic 842): Codification Improvements. Issued in March 2019, ASU 2019-01 aligns the guidance for fair value of the underlying asset by lessors that are not manufacturers or dealers in Accounting Standards Codification (ASC) 842, Leases, with that of the existing guidance (ASC 820, Fair Value Measurement).  As a result, the fair value of the underlying asset at lease commencement is its cost, reflecting any volume or trade discounts that may apply and costs incurred to acquire the asset, as per ASC 842, Leases. However, if there has been a significant lapse of time between when the underlying asset is acquired and when the lease commences, the definition of fair value (in ASC 820, Fair Value Measurement) should be applied. The ASU also requires lessors within the scope of ASC 942, Financial Services—Depository and Lending, to present all principal payments received under leases within investing activities. Finally, the ASU exempts both lessees and lessors from having to provide certain interim disclosures in the fiscal year in which a company adopts the new leases standard. The amendment is effective for the Company for fiscal years beginning after December 15, 2018, and interim periods within those years. The Company adopted the new guidance effective July 1, 2019.  This pronouncement will not have a material impact on the Company’s consolidated financial statements as the Company does not have any significant leases.

 

ASU 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement”. Issued in August 2018, ASU 2018-13 provides guidance about fair value measurement disclosures. The amendment requires numerous removals, modifications and additions of fair value disclosure information. The amendments in this update are effective for all entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years; early adoption is permitted. The amendments on changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements, and the narrative description of measurement uncertainty should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. An entity is permitted to early adopt any removed or modified disclosures upon issuance of this Update and delay adoption of the additional disclosures until their effective date. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

ASU 2017-08, “Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities”. Issued in March 2017, ASU 2017-08 amends the amortization period for certain callable debt securities held at a premium.  Specifically, the amendments require the premium to be amortized to the earliest call date.  The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.  The guidance is effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  Early adoption is permitted, including adoption in an interim period.  If an entity early adopts in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period.  The amendments were applied on a modified retrospective basis, with a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.  The Company adopted this standard on June 30, 2019 as reflected by a $245 adjustment to retained earnings.

  

ASU 2017-04, “Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment”. Issued in January 2017, ASU 2017-04 amendments eliminate Step 2 from the goodwill impairment test.  The amendments also eliminate the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test.  An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary.  The guidance is effective for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019.  Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017.  ASU 2017-04 should be adopted on a prospective basis.  The Company does not believe that this new guidance will have a material effect on its consolidated financial statements.

 

ASU 2016-13, “Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. Issued in June 2016, ASU 2016-13 provides financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investment in leases and other commitments to extend credit held by a reporting entity at each reporting date. ASU 2016-13 requires that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis.  The amendments in ASU 2016-13 eliminate the probable incurred loss recognition in current GAAP and reflect an entity’s current estimate of all expected credit losses.  The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense.  Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  The Company has determined that it will continue to prepare its credit loss allowance internally. The Company is currently evaluating the impact of ASU 2016-13 on its consolidated financial statements. On October 16, 2019, the FASB announced a delay in the implementation schedule allowing certain entities, including smaller reporting companies (such as the Company)  to adopt ASU 2016-13 in fiscal years beginning after December 15, 2022, and interim periods within those years.

 

There have been no accounting standards that have been issued or proposed by the FASB or other standards-setting bodies during this quarter that are expected to have a material impact on the Company’s financial position, results of operations or cash flows. The Company continues to evaluate the impact of standards previously issued and not yet effective, and have no changes in our assessment to disclose since filing of the Form 10-K.

XML 37 R46.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
BORROWINGS (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
FHLB Advances $ 19,000
Stated percentage of Federal Home Loan Bank Advances   2.75%
Minimum [Member]    
Stated percentage of Federal Home Loan Bank Advances 2.62% 2.62%
Maximum [Member]    
Stated percentage of Federal Home Loan Bank Advances 2.78% 2.78%
XML 38 R42.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Details 4) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Financing Receivable, Past Due [Line Items]    
Total Past Due $ 7,324 $ 8,731
Current 352,919 351,357
Total loans 360,243 360,088
Nonaccrual loans 3,515 3,917
Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 4,626 6,945
Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 2,421 1,517
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 277 269
Real Estate Loans [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 7,324 8,723
Current 342,485 341,661
Total loans 349,809 350,384
Nonaccrual loans 3,515 3,917
Real Estate Loans [Member] | One to Four Family [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 6,431 7,594
Current 282,927 281,483
Total loans 289,358 289,077
Nonaccrual loans 2,349 2,674
Real Estate Loans [Member] | Multi Family [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 224 228
Current 1,311 1,377
Total loans 1,535 1,605
Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 117 104
Current 6,124 5,087
Total loans 6,241 5,191
Nonaccrual loans 777 40
Real Estate Loans [Member] | Nonresidential [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 512 458
Current 17,067 18,892
Total loans 17,579 19,350
Nonaccrual loans 29 816
Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable, Past Due [Line Items]    
Current 1,491 1,510
Total loans 1,491 1,510
Nonaccrual loans 40 356
Real Estate Loans [Member] | Construction and Land [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 40 339
Current 33,565 33,312
Total loans 33,605 33,651
Nonaccrual loans 320 31
Real Estate Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 4,626 6,937
Real Estate Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | One to Four Family [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 3,773 5,879
Real Estate Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Multi Family [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 224 228
Real Estate Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 77 64
Real Estate Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Nonresidential [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 512 458
Real Estate Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Construction and Land [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 40 308
Real Estate Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 2,421 1,517
Real Estate Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member] | One to Four Family [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 2,421 1,486
Real Estate Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member] | Construction and Land [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due   31
Real Estate Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 277 269
Real Estate Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | One to Four Family [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 237 229
Real Estate Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due 40 40
Commercial and Industrial [Member]    
Financing Receivable, Past Due [Line Items]    
Current 4,208 4,390
Total loans 4,208 4,390
Consumer And Other Loans [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due   8
Current 6,226 5,306
Total loans $ 6,226 5,314
Consumer And Other Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Past Due   $ 8
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BORROWINGS (Tables)
6 Months Ended
Dec. 31, 2019
Banking and Thrift [Abstract]  
Schedule of advances from the Federal Home Loan Bank

There were no Federal Home Loan Bank advances outstanding at December 31, 2019. At June 30, 2019, advances from the Federal Home Loan Bank were as follows:

  

    June 30, 2019  
    Balance     Stated Interest Rate  
FHLB advances due September 2019 through December 2019   $ 19,000        2.62% - 2.78 %
 Total   $ 19,000  
XML 41 R27.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOAN SERVICING RIGHTS (Tables)
6 Months Ended
Dec. 31, 2019
Transfers and Servicing [Abstract]  
Schedule of principal balances of mortgage loans serviced

The principal balances of those loans at December 31, 2019 and June 30, 2019 are as follows:

 

    December 31,
2019
    June 30,
2019
 
Mortgage loan portfolio serviced for:                
FHLMC   $ 72,606     $ 83,938  
Schedule of activity for loan servicing rights

Activity for loan servicing rights for the three and six months ended December 31, 2019 and 2018 is as follows:

 

    Three Months Ended     Six Months Ended  
    December 31,
2019
    December 31,
2018
    December 31,
2019
    December 31,
2018
 
Loan servicing rights:                                
Beginning of period:   $ 815     $ 1,050     $ 868     $ 1,093  
Additions                        
Change in fair value      (34 )      (33 )      (87 )      (76 )
End of period:   $ 781     $ 1,017     $ 781     $ 1,017  
XML 42 R13.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
BORROWINGS
6 Months Ended
Dec. 31, 2019
Banking and Thrift [Abstract]  
BORROWINGS

6)           BORROWINGS

 

There were no Federal Home Loan Bank advances outstanding at December 31, 2019. At June 30, 2019, advances from the Federal Home Loan Bank were as follows:

  

    June 30, 2019  
    Balance     Stated Interest Rate  
FHLB advances due September 2019 through December 2019   $ 19,000        2.62% - 2.78 %
 Total   $ 19,000          

  

The average interest rate of all outstanding FHLB advances was 2.75% on June 30, 2019.

 

Each advance was payable at its maturity date, with a prepayment penalty for fixed rate advances. The advances were collateralized by $22,632 of investment securities at June 30, 2019. The Association has also pledged as collateral FHLB stock and has entered into a blanket collateral agreement whereby qualifying mortgages, free of other encumbrances and at various discounted values as determined by the FHLB, will be maintained. Based on this collateral, the Association is eligible to borrow up to a total of $130,998 at December 31, 2019.

 

There were no overnight borrowings at December 31, 2019 or June 30, 2019.

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XML 44 R17.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOAN SERVICING RIGHTS
6 Months Ended
Dec. 31, 2019
Transfers and Servicing [Abstract]  
LOAN SERVICING RIGHTS

(10)         LOAN SERVICING RIGHTS

 

Mortgage loans serviced for others are not reported as assets; however, the underlying mortgage servicing rights associated with servicing these mortgage loans serviced for others is recorded as an asset in the consolidated balance sheet. 

 

The principal balances of those loans at December 31, 2019 and June 30, 2019 are as follows:

 

    December 31,
2019
    June 30,
2019
 
Mortgage loan portfolio serviced for:                
FHLMC   $ 72,606     $ 83,938  

 

Custodial escrow balances maintained in connection with serviced loans were $366 and $771 at December 31, 2019 and June 30, 2019.

 

Activity for loan servicing rights for the three and six months ended December 31, 2019 and 2018 is as follows:

 

    Three Months Ended     Six Months Ended  
    December 31,
2019
    December 31,
2018
    December 31,
2019
    December 31,
2018
 
Loan servicing rights:                                
Beginning of period:   $ 815     $ 1,050     $ 868     $ 1,093  
Additions                        
Change in fair value      (34 )      (33 )      (87 )      (76 )
End of period:   $ 781     $ 1,017     $ 781     $ 1,017  

  

Fair value at December 31, 2019 was determined using a discount rate of 9.25%, prepayment speed assumptions ranging from 5.9% to 14.2% Conditional Prepayment Rate (“CPR”) depending on the loans’ coupon, term and seasoning, and a weighted average default rate of 0.29%.  Fair value at December 31, 2018 was determined using a discount rate of 10.25%, prepayment speed assumptions ranging from 4.7% to 13.7% CPR depending on the loans’ coupon, term and seasoning, and a weighted average default rate of 0.40%.

XML 45 R38.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Total loans $ 360,243 $ 360,088
Consumer And Other Loans [Member]    
Total loans 6,226 5,314
Real Estate Loans [Member]    
Total loans 349,809 350,384
Real Estate Loans [Member] | One to Four Family [Member]    
Total loans 289,358 289,077
Real Estate Loans [Member] | Multi Family [Member]    
Total loans 1,535 1,605
Real Estate Loans [Member] | Home Equity [Member]    
Total loans 6,241 5,191
Real Estate Loans [Member] | Nonresidential [Member]    
Total loans 17,579 19,350
Real Estate Loans [Member] | Agricultural [Member]    
Total loans 1,491 1,510
Real Estate Loans [Member] | Construction and Land [Member]    
Total loans 33,605 33,651
Commercial and Industrial [Member]    
Total loans $ 4,208 $ 4,390
XML 46 R34.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SECURITIES AVAILABLE-FOR-SALE (Details 1)
$ in Thousands
Dec. 31, 2019
USD ($)
Number
Jun. 30, 2019
USD ($)
Number
Investment Holdings [Line Items]    
Less than 12 Months, Fair Value $ 10,751 $ 11,588
Less than 12 Months, Unrealized Loss $ (89) $ (47)
Less than 12 Months, Number in Unrealized Loss | Number [1] 21 15
12 Months or More, Fair Value $ 2,828 $ 20,020
12 Months or More, Unrealized Loss $ (29) $ (109)
12 Months or More, Number in Unrealized Loss | Number [1] 5 34
Total, Fair Value $ 13,579 $ 31,608
Total, Unrealized Loss $ (118) $ (156)
Total, Number in Unrealized Loss | Number [1] 26 49
Municipal Securities [Member]    
Investment Holdings [Line Items]    
Less than 12 Months, Fair Value $ 2,518 $ 745
Less than 12 Months, Unrealized Loss $ (22) $ (10)
Less than 12 Months, Number in Unrealized Loss | Number [1] 7 2
12 Months or More, Fair Value $ 634 $ 3,750
12 Months or More, Unrealized Loss $ (5) $ (28)
12 Months or More, Number in Unrealized Loss | Number [1] 1 7
Total, Fair Value $ 3,152 $ 4,495
Total, Unrealized Loss $ (27) $ (38)
Total, Number in Unrealized Loss | Number [1] 8 9
Collateralized Mortgage Obligations [Member]    
Investment Holdings [Line Items]    
Less than 12 Months, Fair Value $ 3,499  
Less than 12 Months, Unrealized Loss $ (40)  
Less than 12 Months, Number in Unrealized Loss | Number [1] 7  
12 Months or More, Fair Value $ 1,202 $ 3,059
12 Months or More, Unrealized Loss $ (16) $ (30)
12 Months or More, Number in Unrealized Loss | Number [1] 3 7
Total, Fair Value $ 4,701 $ 3,059
Total, Unrealized Loss $ (56) $ (30)
Total, Number in Unrealized Loss | Number [1] 10 7
US Government Agency Mortgage-Backed Securities [Member]    
Investment Holdings [Line Items]    
Less than 12 Months, Fair Value $ 4,734 $ 5,377
Less than 12 Months, Unrealized Loss $ (27) $ (9)
Less than 12 Months, Number in Unrealized Loss | Number [1] 7 5
12 Months or More, Fair Value   $ 11,198
12 Months or More, Unrealized Loss   $ (43)
12 Months or More, Number in Unrealized Loss | Number [1]   18
Total, Fair Value $ 4,734 $ 16,575
Total, Unrealized Loss $ (27) $ (52)
Total, Number in Unrealized Loss | Number [1] 7 23
US Government Agencies Bonds [Member]    
Investment Holdings [Line Items]    
Less than 12 Months, Fair Value   $ 4,475
Less than 12 Months, Unrealized Loss   $ (23)
Less than 12 Months, Number in Unrealized Loss | Number [1]   4
12 Months or More, Fair Value $ 992 $ 2,013
12 Months or More, Unrealized Loss $ (8) $ (8)
12 Months or More, Number in Unrealized Loss | Number [1] 1 2
Total, Fair Value $ 992 $ 6,488
Total, Unrealized Loss $ (8) $ (31)
Total, Number in Unrealized Loss | Number [1] 1 6
Certificates of Deposit [Member]    
Investment Holdings [Line Items]    
Less than 12 Months, Fair Value   $ 991
Less than 12 Months, Unrealized Loss   $ (5)
Less than 12 Months, Number in Unrealized Loss | Number [1]   4
Total, Fair Value   $ 991
Total, Unrealized Loss   $ (5)
Total, Number in Unrealized Loss | Number [1]   4
[1] Actual amounts.
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NEW ACCOUNTING STANDARDS (Details Narrative)
$ in Thousands
Jun. 30, 2019
USD ($)
Accounting Standards Update 2017-08 [Member]  
Effect of adoption of new accounting standard $ 245
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FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3) - Level 3 [Member] - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Loan servicing rights $ 781 $ 868
Fair Value, Measurements, Nonrecurring [Member] | Discounted Cash Flows [Member]    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Loan servicing rights 781 868
Fair Value, Measurements, Nonrecurring [Member] | Market Approach Valuation Technique [Member] | One to Four Family [Member]    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Real estate owned 136 226
Fair Value, Measurements, Nonrecurring [Member] | Market Approach Valuation Technique [Member] | Nonresidential [Member]    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Real estate owned $ 481 $ 585
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EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Jun. 30, 2011
Share-based Payment Arrangement [Abstract]          
Employee stock ownership plan, employer loan for shares (in shares)         248,842
Common stock share price (in dollars per share) $ 26.01   $ 26.01   $ 10.00
ESOP compensation expense $ 91 $ 116 $ 185 $ 231  
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LOAN SERVICING RIGHTS (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Transfers and Servicing [Abstract]    
Mortgage loan portfolio serviced: FHLMC $ 72,606 $ 83,938
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FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Sep. 30, 2019
Jun. 30, 2019
Dec. 31, 2018
Sep. 30, 2018
Jun. 30, 2018
Financial assets:            
Securities available-for-sale $ 85,748   $ 95,429      
Loan servicing rights 781 $ 815 868 $ 1,017 $ 1,050 $ 1,093
FHLMC Common Stock [Member]            
Financial assets:            
Securities available-for-sale 244   212      
Certificates of Deposit [Member]            
Financial assets:            
Securities available-for-sale 2,528   2,499      
Municipal Securities [Member]            
Financial assets:            
Securities available-for-sale 21,454   25,225      
SBA Loan Pools [Member]            
Financial assets:            
Securities available-for-sale 18   22      
Collateralized Mortgage Obligations [Member]            
Financial assets:            
Securities available-for-sale 12,913   14,970      
US Government Agency Mortgage-Backed Securities [Member]            
Financial assets:            
Securities available-for-sale 42,580   40,542      
US Government Agencies Bonds [Member]            
Financial assets:            
Securities available-for-sale 6,011   11,959      
Level 3 [Member] | Fair Value, Measurements, Recurring [Member]            
Financial assets:            
Loan servicing rights 781   868      
Total financial assets 781   868      
Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]            
Financial assets:            
Total financial assets 617   811      
Level 2 [Member]            
Financial assets:            
Securities available-for-sale 85,748   95,429      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member]            
Financial assets:            
Securities available-for-sale 85,748   95,429      
Total financial assets 85,748   95,429      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | FHLMC Common Stock [Member]            
Financial assets:            
Securities available-for-sale 244   212      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Certificates of Deposit [Member]            
Financial assets:            
Securities available-for-sale 2,528   2,499      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Municipal Securities [Member]            
Financial assets:            
Securities available-for-sale 21,454   25,225      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | SBA Loan Pools [Member]            
Financial assets:            
Securities available-for-sale 18   22      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member]            
Financial assets:            
Securities available-for-sale 12,913   14,970      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agency Mortgage-Backed Securities [Member]            
Financial assets:            
Securities available-for-sale 42,580   40,542      
Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies Bonds [Member]            
Financial assets:            
Securities available-for-sale $ 6,011   $ 11,959      
XML 54 R44.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Details Narrative)
$ in Thousands
Dec. 31, 2019
USD ($)
Number
Jun. 30, 2019
USD ($)
Number
Financing Receivable, Past Due [Line Items]    
Recorded investment in troubled debt restructuring | $ $ 2,488 $ 2,675
Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable, Past Due [Line Items]    
Number of trouble debt restructuring loans 1 1
Real Estate Loans [Member] | One to Four Family [Member]    
Financing Receivable, Past Due [Line Items]    
Number of trouble debt restructuring loans 4 4
Real Estate Loans [Member] | Nonresidential [Member]    
Financing Receivable, Past Due [Line Items]    
Number of trouble debt restructuring loans 2 2
XML 55 R40.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Details 2) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Ending Allowance on Loans:    
Collectively Evaluated for Impairment $ 1,296 $ 1,297
Loans:    
Individually Evaluated for Impairment 3,130 3,260
Collectively Evaluated for Impairment 357,113 356,828
Real Estate Loans [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 1,205 1,207
Loans:    
Individually Evaluated for Impairment 3,130 3,260
Collectively Evaluated for Impairment 346,679 347,124
Real Estate Loans [Member] | One to Four Family [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 993 995
Loans:    
Individually Evaluated for Impairment 2,223 2,291
Collectively Evaluated for Impairment 287,135 286,786
Real Estate Loans [Member] | Multi Family [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 4 4
Loans:    
Collectively Evaluated for Impairment 1,535 1,605
Real Estate Loans [Member] | Home Equity [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 33 24
Loans:    
Collectively Evaluated for Impairment 6,241 5,191
Real Estate Loans [Member] | Nonresidential [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 77 87
Loans:    
Individually Evaluated for Impairment 587 613
Collectively Evaluated for Impairment 16,992 18,737
Real Estate Loans [Member] | Agricultural [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 4 3
Loans:    
Individually Evaluated for Impairment 320 356
Collectively Evaluated for Impairment 1,171 1,154
Real Estate Loans [Member] | Construction and Land [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 94 94
Loans:    
Collectively Evaluated for Impairment 33,605 33,651
Commercial and Industrial [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 66 67
Loans:    
Collectively Evaluated for Impairment 4,208 4,390
Consumer And Other Loans [Member]    
Ending Allowance on Loans:    
Collectively Evaluated for Impairment 25 23
Loans:    
Collectively Evaluated for Impairment $ 6,226 $ 5,314
XML 56 R3.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) - $ / shares
Dec. 31, 2019
Jun. 30, 2019
Statement of Financial Position [Abstract]    
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, authorized 100,000,000 100,000,000
Common stock, outstanding 6,530,074 6,530,074
Treasury stock 811,087 771,008
XML 57 R7.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Cash Flows From Operating Activities    
Net income $ 2,024 $ 1,788
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses   148
Provision for real estate owned 117 18
Depreciation and amortization, net 613 598
Net accretion of purchase accounting adjustments (39) (98)
Deferred income tax expense/(income) 162 (80)
Net gain on sale of real estate owned   (12)
Net gain on sale of premises and equipment   (29)
Change in loan servicing asset 87 76
Net gain on sales of securities (12) (1)
Mortgage loans originated for sale (6,214) (2,823)
Mortgage loans sold 6,296 2,718
Gain on sales of mortgage loans (82) (49)
Change in fair value of equity securities (32) 43
Increase in cash surrender value of bank owned life insurance (226) (229)
Gain on payoff of purchased credit impaired loans (32) (22)
ESOP compensation expense 185 231
Stock based compensation expense 39 72
Net change in operating assets and liabilities:    
Accrued interest receivable and other assets 269 (10)
Accrued interest payable and other liabilities 526 602
Net cash provided by operating activities 3,680 2,942
Cash Flows From Investing Activities    
Purchases of premises and equipment (1,680) (1,080)
Disposal of premises and equipment   29
Purchases of securities available-for-sale (7,644) (1,173)
Proceeds from maturities, paydowns and calls of securities available-for-sale 12,205 6,184
Proceeds from sales of securities available-for-sale 5,268 1,193
Purchases of restricted equity securities   (910)
Redemptions of restricted equity securities 808 151
Proceeds from sale of real estate owned 77 293
Loan originations and repayments, net (85) (29,032)
Net cash provided/(used) in investing activities 8,949 (24,345)
Cash Flows from Financing Activities    
Net change in deposits (6,704) 6,361
Proceeds from notes payable to FHLB   54,100
Repayment of notes payable to FHLB (19,000) (36,100)
Dividends paid (1,067) (1,069)
Purchase of treasury stock (927) (615)
Net cash provided/(used) by financing activities (27,698) 22,677
Change in cash and cash equivalents (15,069) 1,274
Cash and cash equivalents, beginning of period 36,690 9,910
Cash and cash equivalents, end of period $ 21,621 $ 11,184
XML 58 R63.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SUBSEQUENT EVENTS (Details Narrative) - $ / shares
3 Months Ended 6 Months Ended
Jan. 23, 2020
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Dividends declared per share (in dollars per share)   $ 0.1 $ 0.1 $ 0.2 $ 0.2
Subsequent Event [Member]          
Dividends declared per share (in dollars per share) $ 0.10        
Dividends payable, date declared Jan. 23, 2020        
Dividends payable, date of record Feb. 06, 2020        
Dividends payable, date paid Feb. 20, 2020        
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SECURITIES AVAILABLE-FOR-SALE (Tables)
6 Months Ended
Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]  
Schedule of investment securities

Investment securities at December 31, 2019 and June 30, 2019 are as follows:

  

          Gross     Gross     Change in        
    Amortized     Unrealized     Unrealized     Fair Value     Fair  
December 31, 2019   Cost     Gains     Losses     Equity Securities     Value  
Available-for-sale:                                        
FHLMC common stock   $ 20     $     $     $ 224     $ 244  
Certificates of deposit     2,493       35                   2,528  
Municipal securities     21,092       389       (27 )           21,454  
SBA loan pools     18                         18  
CMOs     12,883       86       (56 )           12,913  
U.S. Government agency mortgage-backed securities     42,124       483       (27 )           42,580  
U.S. Government agency bonds     6,009       10       (8 )           6,011  
Total available-for-sale   $ 84,639     $ 1,003     $ (118 )   $ 224     $ 85,748  

  

          Gross     Gross     Change in        
    Amortized     Unrealized     Unrealized     Fair Value     Fair  
June 30, 2019   Cost     Gains     Losses     Equity Securities     Value  
Available-for-sale:                                        
FHLMC common stock   $ 20     $     $     $ 192     $ 212  
Certificates of deposit     2,493       11       (5 )           2,499  
Municipal securities     24,968       295       (38 )           25,225  
SBA loan pools     22                         22  
CMOs     14,889       111       (30 )           14,970  
U.S. Government agency mortgage-backed securities     40,366       228       (52 )           40,542  
U.S. Government agency bonds     11,980       10       (31 )           11,959  
Total available-for-sale   $ 94,738     $ 655     $ (156 )   $ 192     $ 95,429  
Schedule of fair value and unrealized loss of securities

The tables also show the number of securities in an unrealized loss position for each category of investment security as of the respective dates. 

 

   Less than 12 Months   12 Months or More   Total 
   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1) 
December 31, 2019                                    
Available-for-sale:                                    
Municipal securities   2,518    (22)   7    634    (5)   1    3,152    (27)   8 
CMOs   3,499    (40)   7    1,202    (16)   3    4,701    (56)   10 

U.S. Government agency

mortgage-backed securities

   4,734    (27)   7                4,734    (27)   7 
U.S. Government agency bonds               992    (8)   1    992    (8)   1 
   $10,751   $(89)   21   $2,828   $(29)   5   $13,579   $(118)   26 

 

 

   Less than 12 Months   12 Months or More   Total 
   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1)   Fair Value   Unrealized
Loss
   Number in Unrealized Loss (1) 
June 30, 2019                                    
Available-for-sale:                                    
Certificates of deposit  $991   $(5)   4   $   $       $991   $(5)   4 
Municipal securities   745    (10)   2    3,750    (28)   7    4,495    (38)   9 
CMOs               3,059    (30)   7    3,059    (30)   7 

U.S. Government agency

mortgage-backed securities

   5,377    (9)   5    11,198    (43)   18    16,575    (52)   23 
U.S. Government agency bonds   4,475    (23)   4    2,013    (8)   2    6,488    (31)   6 
   $11,588   $(47)   15   $20,020   $(109)   34   $31,608   $(156)   49 

   

 

(1)

Actual amounts.              

 

Schedule of classified amortized cost and fair value of debt securities

The following table presents the amortized cost and fair value of debt securities classified as available-for-sale at December 31, 2019 and June 30, 2019 by contractual maturity. 

 

    December 31, 2019     June 30, 2019  
    Amortized     Fair     Amortized     Fair  
    Cost     Value     Cost     Value  
Less than one year   $ 1,250     $ 1,250     $ 2,000     $ 1,994  
Due from one to five years     11,527       11,616       11,627       11,663  
Due after five years to ten years     10,471       10,685       18,817       18,955  
Due after ten years     6,364       6,460       7,019       7,093  
Mortgage-backed securities, CMOs and FHLMC stock (1)     55,027       55,737       55,275       55,724  
Total available for sale   $ 84,639     $ 85,748     $ 94,738     $ 95,429  

 

(1) Actual cash flows may differ from contractual maturities as borrowers may prepay obligations without prepayment penalty. FHLMC common stock is not scheduled because it has no contractual maturity date.     
Schedule of proceeds from sales of securities

The following table presents the gross proceeds from sales of securities available-for-sale and gains or losses recognized for the three and six months ended December 31, 2019 and 2018: 

 

    Three Months Ended     Six Months Ended  
Available-for-sale:   December 31,
2019
    December 31,
2018
    December 31,
2019
    December 31,
2018
 
Proceeds   $     $     $ 5,268     $ 1,193  
Gross gains                 15       3  
Gross losses                 (3 )     (2 )
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EMPLOYEE STOCK OWNERSHIP PLAN (Tables)
6 Months Ended
Dec. 31, 2019
Share-based Payment Arrangement [Abstract]  
Schedule of employee stock ownership plan

Shares held by the ESOP at December 31, 2019 and June 30, 2019 were as follows:

 

    December 31,
 2019
  June 30,
2019
 
Committed to be released to participants     23,865       11,983  
Allocated to participants     127,257       127,257  
Unearned     41,579       59,245  
Total ESOP shares     192,701       198,485  
                 
Fair value of unearned shares   $ 1,081     $ 1,360  
XML 62 R29.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
BASIS OF PRESENTATION (Details Narrative)
Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Percentage of ownership in the entity 72.82%
XML 63 R45.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Details Narrative 1)
$ in Thousands
6 Months Ended
Dec. 31, 2019
USD ($)
Number
Financing Receivable, Credit Quality Indicator [Line Items]  
Period past due for non-accrual status 90 days
Period past due for loans still on accrual basis 90 days
One to Four Family [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Formal foreclosure proceedings | $ $ 109
One to Four Family [Member] | Owner Occupied Homes [Member] | Minimum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios if the borrower obtains mortgage insurance or provides readily marketable collateral (as a percent) 80.00%
One to Four Family [Member] | Owner Occupied Homes [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 80.00%
One to Four Family [Member] | Non Owner Occupied Homes [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 80.00%
One to Four Family [Member] | Manufactured or Modular Homes [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 75.00%
Construction Loans [Member] | Non Residential Properties [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Number of loans a borrower is permitted to have at a time 2
Loan-to-value ratios (as a percent) 85.00%
Term of loans 8 months
Agricultural [Member] | Minimum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Term of loans 5 years
Agricultural [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 75.00%
Term of loans 20 years
Amortization period 20 years
Home Equity [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 80.00%
Term of loans 10 years
Amortization period 20 years
Nonresidential [Member] | Minimum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Term of loans 5 years
Nonresidential [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 75.00%
Term of loans 20 years
Amortization period 20 years
Construction and Land [Member] | Owner Occupied Homes [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Loan-to-value ratios (as a percent) 80.00%
Term of loans 12 months
Multi Family [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Amortization period 30 years
Multi Family [Member] | Minimum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Number of units in properties used to secure loans 5
Multi Family [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Term of loans 5 years
Loans made as a percentage of lesser of appraised value or purchase price 75.00%
Consumer Loans Unsecured [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Term of loans 18 months
Consumer Loans Secured by Vehicles [Member] | Minimum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Term of loans 18 months
Consumer Loans Secured by Vehicles [Member] | Maximum [Member]  
Financing Receivable, Credit Quality Indicator [Line Items]  
Term of loans 60 months
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LOANS (Details 3) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Dec. 31, 2019
Jun. 30, 2019
With no recorded allowance:    
Unpaid Principal Balance $ 3,790 $ 3,928
Recorded Investment 3,130 3,260
Average Recorded Investment 3,195 3,395
Interest Income Recognized 31 53
Total:    
Unpaid Principal Balance 3,790 3,928
Recorded Investment 3,130 3,260
Average Recorded Investment 3,195 3,395
Interest Income Recognized 31 53
Real Estate Loans [Member]    
With no recorded allowance:    
Unpaid Principal Balance 3,790 3,928
Recorded Investment 3,130 3,260
Average Recorded Investment 3,195 3,395
Interest Income Recognized 31 53
Total:    
Unpaid Principal Balance 3,790 3,928
Recorded Investment 3,130 3,260
Average Recorded Investment 3,195 3,395
Interest Income Recognized 31 53
Real Estate Loans [Member] | One to Four Family [Member]    
With no recorded allowance:    
Unpaid Principal Balance 2,300 2,375
Recorded Investment 2,223 2,291
Average Recorded Investment 2,257 2,363
Interest Income Recognized 31 53
Real Estate Loans [Member] | Nonresidential [Member]    
With no recorded allowance:    
Unpaid Principal Balance 621 648
Recorded Investment 587 613
Average Recorded Investment 600 642
Real Estate Loans [Member] | Agricultural [Member]    
With no recorded allowance:    
Unpaid Principal Balance 869 905
Recorded Investment 320 356
Average Recorded Investment $ 338 $ 390
XML 65 R49.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 1) - Level 3 [Member] - Fair Value, Measurements, Nonrecurring [Member] - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total non-financial assets $ 617 $ 811
Total assets measured at fair value on a non-recurring basis 617 811
One to Four Family [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Real estate owned, net 136 226
Nonresidential [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Real estate owned, net $ 481 $ 585
XML 66 R62.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SUPPLEMENTAL CASH FLOW INFORMATION (Details) - USD ($)
$ in Thousands
6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Cash paid during the period for:    
Interest paid $ 2,269 $ 1,465
Income taxes paid 140 218
Supplemental noncash disclosures:    
Transfers from loans to real estate owned   48
Change in unrealized gain/loss on securities available-for-sale $ 386 $ 856
XML 67 R2.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
ASSETS    
Cash and due from banks $ 3,825 $ 5,678
Interest-earning deposits 17,724 30,946
Fed funds sold 72 66
Total cash and cash equivalents 21,621 36,690
Securities available-for-sale 85,748 95,429
Loans 360,243 360,088
Allowance for loan losses (1,296) (1,297)
Net loans 358,947 358,791
Premises and equipment, net 9,534 8,134
Real estate owned, net 617 811
Accrued interest receivable    
Loans 1,039 1,137
Investments 382 447
Restricted equity securities, at cost 1,046 1,854
Bank owned life insurance 19,249 19,022
Goodwill 2,593 2,593
Core deposit intangible 254 305
Loan servicing rights 781 868
Deferred tax assets 944 1,187
Other assets 452 558
Total assets 503,207 527,826
Deposits    
Noninterest - bearing 33,579 36,232
Interest - bearing 378,823 382,874
Total deposits 412,402 419,106
Federal Home Loan Bank advances 19,000
Accrued interest payable and other liabilities 1,949 1,423
Total liabilities 414,351 439,529
SHAREHOLDERS' EQUITY    
Common stock, $0.01 par value, 100,000,000 shares authorized; 6,530,074 and 6,530,074 shares outstanding, respectively 65 65
Treasury stock, at par, 811,087 and 771,008 shares, respectively (8) (8)
Additional paid-in capital 10,215 10,986
Retained earnings 78,392 77,464
Accumulated other comprehensive income 699 394
Unearned ESOP shares (507) (604)
Total shareholders' equity 88,856 88,297
Total liabilities and shareholders' equity $ 503,207 $ 527,826
XML 68 R6.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Statement of Stockholders' Equity [Abstract]        
Purchase of treasury stock (in shares) 5,699 [1] 3,657 [2] 40,079 [1] 19,439 [2]
Weighted average cost of treasury shares (per share) 23.02 25.89 23.14 27.15
Principal reduction of ESOP Debt shares $ 79 $ 85 $ 79 $ 85
Principal reduction of ESOP Debt shares (in shares) 7,200 7,100 7,200 7,100
Principal reduction of ESOP Debt allocated shares $ 50 $ 49 $ 50 $ 49
Principal reduction of ESOP Debt allocated shares (in shares) 4,300 4,500 4,300 4,500
Dividend paid unallocated shares - additional compensation $ 29 $ 36 $ 29 $ 36
Dividend paid unallocated shares - additional compensation (in shares) 2,900 2,600 2,900 2,600
[1] The weighted average cost of treasury shares purchased during the three months ended was $23.02 per share. Treasury stock repurchases were accounted for using the par value method.
[2] The weighted average cost of treasury shares purchased during the three months ended was $25.89 per share. Treasury stock repurchases were accounted for using the par value method.
XML 69 R28.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SUPPLEMENTAL CASH FLOW INFORMATION (Tables)
6 Months Ended
Dec. 31, 2019
Supplemental Cash Flow Elements [Abstract]  
Schedule of supplemental cash flow information

Supplemental cash flow information for the six months ended December 31, 2019 and 2018 is as follows:

 

    December 31,     December 31,  
    2019     2018  
Cash paid during the period for:                
Interest paid   $ 2,269     $ 1,465  
Income taxes paid   $ 140     $ 218  
Supplemental noncash disclosures:                
Transfers from loans to real estate owned   $     $ 48  
Change in unrealized gain/loss on securities available-for-sale   $ 386     $ 856  
XML 70 R20.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
EARNINGS PER SHARE (''EPS'') (Tables)
6 Months Ended
Dec. 31, 2019
Earnings Per Share [Abstract]  
Schedule of computation of in the earnings per common share

The factors used in the earnings per common share computation follow:  

 

    Three Months Ended     Six Months Ended  
    December 31,
2019
    December 31,
2018
    December 31,
2019
    December 31,
2018
 
Earnings per share                        
Net income   $ 1,090     $ 919     $ 2,024     $ 1,788  
Less:  distributed earnings allocated to participating securities     (1 )     (1 )     (2 )     (3 )
Less:  (undistributed income) dividends in excess of earnings allocated to participating securities     (1 )     (2 )     (1 )     (2 )
Net earnings available to common shareholders   $ 1,088     $ 916     $ 2,021     $ 1,783  
                                 
Weighted average common shares outstanding including participating securities     5,719,941       5,762,678       5,729,799       5,768,419  
Less:  participating securities     (8,800 )     (15,355 )     (8,800 )     (15,355 )
Less: average unearned ESOP shares     (50,412 )     (61,926 )     (43,880 )     (55,760 )
Weighted average common shares outstanding     5,660,729       5,685,397       5,677,119       5,697,304  
                                 
Basic earnings per share   $ 0.19     $ 0.16     $ 0.36     $ 0.31  
                                 
Weighted average common shares outstanding     5,660,729       5,685,397       5,677,119       5,697,304  
Add:  dilutive effects of assumed exercises of stock options     66,874       119,788       65,850       123,711  
Average shares and dilutive potential common shares     5,727,603       5,805,185       5,742,969       5,821,015  
                                 
Diluted earnings per share   $ 0.19     $ 0.16     $ 0.35     $ 0.31
XML 71 R24.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)
6 Months Ended
Dec. 31, 2019
Fair Value Disclosures [Abstract]  
Schedule of assets and liabilities measured at fair value on a recurring basis

Assets and liabilities measured at fair value on a recurring basis at December 31, 2019 and June 30, 2019 are summarized below:

 

    Fair Value Measurements  
    December 31, 2019     June 30, 2019  
    (Level 2)     (Level 3)     (Level 2)     (Level 3)  
Financial assets:                                
Securities available-for-sale:                                
FHLMC common stock   $ 244     $     $ 212     $  
Certificates of deposit      2,528              2,499        
Municipal securities      21,454              25,225        
SBA loan pools      18              22        
CMOs      12,913              14,970        
U.S. Government agency mortgage-backed securities      42,580              40,542        
U.S. Government agency bonds      6,011        —        11,959        —  
Total securities available-for-sale      85,748              95,429        
Loan servicing rights      —        781        —        868  
Total financial assets   $ 85,748     $ 781     $ 95,429     $ 868
Schedule of assets measured at fair value on a non-recurring basis

Presented in the table below are assets measured at fair value on a nonrecurring basis using level 3 inputs at December 31, 2019 and June 30, 2019:

 

    Fair Value Measurements  
    December 31,
2019
    June 30,
2019
 
    (Level 3)     (Level 3)  
Non-financial assets:                
Real estate owned, net:                
One-to-four family   $ 136     $ 226  
Nonresidential      481        585  
Total non-financial assets      617        811  
Total assets measured at fair value on a non-recurring basis   $ 617     $ 811
Schedule of assets measured at fair value on a recurring basis

The table below presents a reconciliation of all Level 3 assets measured at fair value on a recurring basis using significant unobservable inputs for the three and six months ended December 31, 2019 and 2018:

 

    Fair Value Measurements  
    (Level 3)  
    Three Months Ended     Six Months Ended  
    December 31,
 2019
    December 31,
 2018
    December 31,
 2019
    December 31,
 2018
 
    Loan
Servicing
Rights
    Loan
Servicing
Rights
    Loan
Servicing
Rights
    Loan
Servicing
Rights
 
Balance at beginning of period:   $ 815     $ 1,050     $ 868     $ 1,093  
Purchases                        
Unrealized net losses included in net income      (34 )      (33 )      (87 )   $ (76 )
Balance at end of period:   $ 781     $ 1,017     $ 781     $ 1,017  
Schedule of valuation methodology and unobservable inputs

The table below presents the valuation methodology and unobservable inputs for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2019 and June 30, 2019.

 

      Level 3 Quantitative Information  
    December 31, 
2019
    June 30, 
2019
    Valuation
Technique
  Unobservable Inputs    Range  
    Fair Value     Fair Value                
Loan servicing rights   $ 781     $ 868     Discounted cash flows   Discount rate, estimated timing of cash flows    9.25% to 9.75%  
                               
Real estate owned net:                   Sales comparison approach   Adjustment for differences between the comparable sales   0% to 20%  
One-to-four family   $ 136     $ 226                
Nonresidential   $ 481     $ 585     Sales comparison approach Adjustment for differences between the comparable sales    0% to 20%  

 

Schedule of carrying amounts and estimated fair values

The estimated fair values of the Company’s remaining on-balance sheet financial instruments at December 31, 2019 and June 30, 2019 are summarized below:

 

    December 31, 2019  
    Carrying     Fair Value  
    Amount     (Level 1)     (Level 2)     (Level 3)     Total  
Financial assets                                        
Securities available-for-sale   $ 85,748     $     $ 85,748     $     $ 85,748  
Loans, net (1)      358,947                    361,305        361,305  
Loan servicing rights      781                    781        781  
Restricted equity securities      1,046        N/A        N/A        N/A        N/A  
                                         
Financial liabilities                                        
Deposits   $ 412,402     $ 195,767     $ 213,493     $     $ 409,260  

  

    June 30, 2019  
    Carrying     Fair Value  
    Amount     (Level 1)     (Level 2)     (Level 3)     Total  
Financial assets                                        
Securities available-for-sale   $ 95,429     $     $ 95,429     $     $ 95,429  
 Loans, net (1)      358,791                    358,473        358,473  
Loan servicing rights      868                    868        868  
Restricted equity securities      1,854        N/A        N/A        N/A        N/A  
                                         
Financial liabilities                                        
Deposits   $ 419,106     $ 196,466     $ 218,985     $     $ 415,451  
FHLB Advances      19,000              19,000              19,000  

  

  (1) Carrying amount of loans is net of unearned income and the allowance. In accordance with the adoption of ASU No. 2016-01, the fair value of loans as of December 31, 2019 and June 30, 2019 was measured using an exit price notion.
XML 72 R12.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS
6 Months Ended
Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]  
LOANS
(5)LOANS

 

The components of loans at December 31, 2019 and June 30, 2019 were as follows:

  

   December 31,
2019
   June 30,
2019
 
Real estate loans:          
One-to-four family  $289,358   $289,077 
Multi-family   1,535    1,605 
Home equity   6,241    5,191 
Nonresidential   17,579    19,350 
Agricultural   1,491    1,510 
Construction and land   33,605    33,651 
 Total real estate loans   349,809    350,384 
Commercial and industrial   4,208    4,390 
Consumer and other loans   6,226    5,314 
     Total loans  $360,243   $360,088 

 

The following tables present the activity in the allowance for loan losses for the three and six months ended December 31, 2019 by portfolio segment:

 

Three months ended December 31, 2019

 

Beginning
Balance

 

 

Provision

 

 

Charge-offs

 

 

Recoveries

 

 

Ending
Balance

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One-to-four family

 

$

993

 

 

$

 

 

$

 

 

$

 

 

$

993

 

Multi-family

 

 

4

 

 

 

 

 

 

 

 

 

 

 

 

4

 

Home equity

 

 

29

 

 

 

4

 

 

 

 

 

 

 

 

 

33

 

Nonresidential

 

 

85

 

 

 

(8

)

 

 

 

 

 

 

 

 

77

 

Agricultural

 

 

4

 

 

 

 

 

 

 

 

 

 

 

 

4

 

Construction and land

 

 

87

 

 

 

7

 

 

 

 

 

 

 

 

 

94

 

Total real estate loans

 

 

1,202

 

 

 

3

 

 

 

 

 

 

 

 

 

1,205

 

Commercial and industrial

 

 

70

 

 

 

(4

)

 

 

 

 

 

 

 

 

66

 

Consumer and other loans

 

 

25

 

 

 

1

 

 

 

(1

)

 

 

 

 

 

25

 

Total loans

 

$

1,297

 

 

$

 

 

$

(1

)

 

$

 

 

$

1,296

 

 

Six months ended December 31, 2019  Beginning
Balance
   Provision   Charge-offs   Recoveries   Ending
Balance
 
Real estate loans:                         
One-to-four family  $995   $(2)  $   $   $993 
Multi-family   4                4 
Home equity   24    9            33 
Nonresidential   87    (10)           77 
Agricultural   3    1            4 
Construction and land   94                94 
Total real estate loans   1,207    (2)           1,205 
Commercial and industrial   67    (1)           66 
Consumer and other loans   23    3    (1)       25 
Total loans  $1,297   $   $(1)  $   $1,296 

 

The following table presents the recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment at December 31, 2019:

 

   Ending Allowance on Loans:   Loans: 
At December 31, 2019  Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
   Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
 
Real estate loans:                    
One-to-four family  $   $993   $2,223   $287,135 
Multi-family       4        1,535 
Home equity       33        6,241 
Nonresidential       77    587    16,992 
Agricultural       4    320    1,171 
Construction and land       94        33,605 
Total real estate loans       1,205    3,130    346,679 
Commercial and industrial       66        4,208 
Consumer and other loans       25        6,226 
Total loans  $   $1,296   $3,130   $357,113 

 

The following tables present the activity in the allowance for loan losses for the three and six months ended December 31, 2018 by portfolio segment:

 

Three months ended December 31, 2018  Beginning
Balance
   Provision   Charge-offs   Recoveries   Ending
Balance
 
Real estate loans:                         
One-to-four family  $956   $29   $   $   $985 
Multi-family   4                4 
Home equity   13    2            15 
Nonresidential   69    35            104 
Agricultural   1                1 
Construction and land   98    (1)           97 
Total real estate loans   1,141    65            1,206 
Commercial and industrial   3    15            18 
Consumer and other loans   7    (4)           3 
Total loans  $1,151   $76   $   $   $1,227 

 

Six months ended December 31, 2018  Beginning
Balance
   Provision   Charge-offs   Recoveries   Ending
Balance
 
Real estate loans:                         
One-to-four family  $939   $64   $(18)  $   $985 
Multi-family   4                4 
Home equity   8    7            15 
Nonresidential   66    38            104 
Agricultural   1                1 
Construction and land   74    23            97 
Total real estate loans   1,092    132    (18)       1,206 
Commercial and industrial   4    14            18 
Consumer and other loans   1    2            3 
Total loans  $1,097   $148   $(18)  $   $1,227 

 

The following table presents the recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment at June 30, 2019:

 

   Ending Allowance on Loans:   Loans: 
At June 30, 2019  Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
   Individually Evaluated for Impairment   Collectively
Evaluated for
Impairment
 
Real estate loans:                    
One-to-four family  $   $995   $2,291   $286,786 
Multi-family       4        1,605 
Home equity       24        5,191 
Nonresidential       87    613    18,737 
Agricultural       3    356    1,154 
Construction and land       94        33,651 
Total real estate loans       1,207    3,260    347,124 
Commercial and industrial       67        4,390 
Consumer and other loans       23        5,314 
Total loans  $   $1,297   $3,260   $356,828 

 

The tables below present loans that were individually evaluated for impairment by portfolio segment at December 31, 2019 and June 30, 2019, including the average recorded investment balance and interest earned for the six months ended December 31, 2019 and the year ended June 30, 2019:

 

   December 31, 2019 
   Unpaid Principal Balance   Recorded Investment   Related Allowance   Average Recorded Investment   Interest Income Recognized 
With no recorded allowance:                         
Real estate loans:                         
One-to-four family  $2,300   $2,223   $   $2,257   $31 
Multi-family                    
Home equity                    
Nonresidential   621    587        600     
Agricultural   869    320        338     
Construction and land                    
Total real estate loans   3,790    3,130        3,195    31 
Commercial and industrial                    
Consumer and other loans                    
Total  $3,790   $3,130   $   $3,195   $31 
                          
With recorded allowance:                         
Real estate loans:                         
One-to-four family  $   $   $   $   $ 
Multi-family                    
Home equity                    
Nonresidential                    
Agricultural                    
Construction and land                    
Total real estate loans                    
Commercial and industrial                    
Consumer and other loans                    
Total  $   $   $   $   $ 
                          
Totals:                         
Real estate loans  $3,790   $3,130   $   $3,195   $31 
Consumer and other loans                    
Total  $3,790   $3,130   $   $3,195   $31 

 

   June 30, 2019 
   Unpaid
Principal
Balance
   Recorded
Investment
   Related
Allowance
   Average
Recorded
Investment
   Interest
Income
Recognized
 
With no recorded allowance:                         
Real estate loans:                         
One-to-four family  $2,375   $2,291   $   $2,363   $53 
Multi-family                    
Home equity                    
Nonresidential   648    613        642     
Agricultural   905    356        390     
Construction and land                    
Total real estate loans   3,928    3,260        3,395    53 
Commercial and industrial                    
Consumer and other loans                    
Total  $3,928   $3,260   $   $3,395   $53 

 

                         
With recorded allowance:                         
Real estate loans:                         
One-to-four family  $   $   $   $   $ 
Multi-family                    
Home equity                    
Nonresidential                    
Agricultural                    
Construction and land                    
Total real estate loans                    
Commercial and industrial                    
Consumer and other loans                    
Total  $   $   $   $   $ 
                          
Totals:                         
Real estate loans  $3,928   $3,260   $   $3,395   $53 
Consumer and other loans                    
Total  $3,928   $3,260   $   $3,395   $53 

 

The following tables present the aging of past due loans as well as nonaccrual loans.  Nonaccrual loans and accruing loans past due 90 days or more include both smaller balance homogenous loans and larger balance loans that are evaluated either collectively or individually for impairment. 

 

Total past due loans and nonaccrual loans at December 31, 2019:

 

  

30-59
Days
Past Due

  

60-89
Days
Past Due

  

90 Days
or More
Past Due

  

Total
Past Due

   Current  

Total
Loans

  

Nonaccrual
Loans

  

Accruing
Loans
Past Due 90
 Days or More

 
Real estate loans:                                        
One-to-four family  $3,773   $2,421   $237   $6,431   $282,927   $289,358   $2,349   $ 
Multi-family   224            224    1,311    1,535         
Home equity   77        40    117    6,124    6,241    777     
Nonresidential   512            512    17,067    17,579    29     
Agricultural                   1,491    1,491    40     
Construction and land   40            40    33,565    33,605    320     
Total real estate loans   4,626    2,421    277    7,324    342,485    349,809    3,515     
Commercial and industrial                   4,208    4,208         
Consumer and other loans                   6,226    6,226         
Total  $4,626   $2,421   $277   $7,324   $352,919   $360,243   $3,515   $ 

 

Total past due and nonaccrual loans by portfolio segment at June 30, 2019:

 

  

30-59
Days
Past Due

  

60-89
Days
Past Due

  

90 Days
or More
Past Due

  

Total
Past Due

   Current  

Total
Loans

  

Nonaccrual
Loans

  

Accruing
Loans
Past Due 90
Days or More

 
Real estate loans:                                        
One-to-four family  $5,879   $1,486   $229   $7,594   $281,483   $289,077   $2,674   $ 
Multi-family   228            228    1,377    1,605         
Home equity   64        40    104    5,087    5,191    40     
Nonresidential   458            458    18,892    19,350    816     
Agricultural                   1,510    1,510    356     
Construction and land   308    31        339    33,312    33,651    31     
Total real estate loans   6,937    1,517    269    8,723    341,661    350,384    3,917     
Commercial and industrial                   4,390    4,390         
Consumer and other loans   8            8    5,306    5,314         
Total  $6,945   $1,517   $269   $8,731   $351,357   $360,088   $3,917   $ 

 

Troubled Debt Restructurings:

 

At December 31, 2019 and June 30, 2019, total loans that have been modified as troubled debt restructurings were $2,488 and $2,675, respectively, which consisted of one agricultural loan, two non-residential real estate loans and four one-to-four family first lien loans at December 31, 2019 and June 30, 2019. There was no specific allowance for loss established for these loans at December 31, 2019 or June 30, 2019.  Additionally, there were no commitments to lend any additional amounts on any loan after the modification.  No loans have been modified as troubled debt restructurings during the six months ended December 31, 2019. No loans modified as troubled debt restructurings during the twelve months ended December 31, 2019 have defaulted since restructuring.  All of these loans are on nonaccrual at December 31, 2019 and June 30, 2019. At December 31, 2019 and June 30, 2019, $2,171 and $2,291, respectively, were individually evaluated for impairment.

 

Loan Grades:

 

The Company utilizes a grading system whereby all loans are assigned a grade based on the risk profile of each loan. Loan grades are determined based on an evaluation of relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. All loans, regardless of size, are analyzed and are given a grade based upon the management’s assessment of the ability of borrowers to service their debts.

 

Pass:  Loan assets of this grade conform to a preponderance of our underwriting criteria and are acceptable as a credit risk, based upon the current net worth and paying capacity of the obligor. Loans in this category also include loans secured by liquid assets and secured loans to borrowers with unblemished credit histories.

 

Pass-Watch:  Loan assets of this grade represent our minimum level of acceptable credit risk.  This grade may also represent obligations previously rated “Pass”, but with significantly deteriorating trends or previously rated.

 

Special Mention:  Loan assets of this grade have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects for the loan or of the institution’s credit position at some future date.

 

Substandard:  Loan assets of this grade are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

 

Portfolio Segments:

 

One-to-four family:  One-to-four family residential loans consist primarily of loans secured by first or second deeds of trust on primary residences, and are originated as adjustable-rate or fixed-rate loans for the construction, purchase or refinancing of a mortgage.  These loans are collateralized by owner-occupied properties located in the Company’s market area.  The Company currently originates residential mortgage loans for our portfolio with loan-to-value ratios of up to 80% for traditional owner-occupied homes. 

 

For traditional homes, the Company may originate loans with loan-to-value ratios in excess of 80% if the borrower obtains mortgage insurance or provides readily marketable collateral.  The Company may make exceptions for special loan programs that we offer.  The Company also originates residential mortgage loans for non-owner-occupied homes with loan-to-value ratios of up to 80%. 

 

The Company historically originated residential mortgage loans with loan-to-value ratios of up to 75% for manufactured or modular homes.  The Company no longer offers residential mortgage loans for manufactured or modular homes as of December 1, 2014.  However, renewals of existing performing credits that meet the Company’s underwriting requirements will be considered.  The Company requires lower loan-to-value ratios for manufactured and modular homes because such homes tend to depreciate over time.  Manufactured or modular homes must be permanently affixed to a lot to make them more difficult to move without the Company’s permission.  Such homes must be “de-titled” by the State of South Carolina or Georgia so that they are taxed and must be transferred as residential homes rather than vehicles.  The Company also obtains a mortgage on the real estate to which such homes are affixed. 

 

Multi-family:  Multi-family real estate loans generally have a maximum term of five years with a 30 year amortization period and a final balloon payment and are secured by properties containing five or more units in the Company’s market area.  These loans are generally made in amounts of up to 75% of the lesser of the appraised value or the purchase price of the property with an appropriate projected debt service coverage ratio.  The Company’s underwriting analysis includes considering the borrower’s expertise and requires verification of the borrower’s credit history, income and financial statements, banking relationships, independent appraisals, references and income projections for the property.  The Company generally obtains personal guarantees on these loans. 

 

Multi-family real estate loans generally present a higher level of risk than loans secured by one-to-four family residences.  This greater risk is due to several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income-producing properties and the increased difficulty of evaluating and monitoring these types of loans.  Furthermore, the repayment of loans secured by multi-family residential real estate is typically dependent upon the successful operation of the related real estate project. 

 

Home Equity:  The Company offers home equity loans and lines of credit secured by first or second deeds of trust on primary residences in our market area.  The Company’s home equity loans and lines of credit are limited to an 80% loan-to-value ratio (including all prior liens).  Standard residential mortgage underwriting requirements are used to evaluate these loans.  The Company offers adjustable-rate and fixed-rate options for these loans with a maximum term of 10 years.  The repayment terms on lines of credit are interest only monthly with principle due at maturity.  Home equity loans have a more traditional repayment structure with principal and interest due monthly.  The maximum term on home equity loans is 10 years with an amortization schedule not exceed 20 years.

 

Nonresidential Real Estate:  Nonresidential loans include those secured by real estate mortgages on churches, owner-occupied and non-owner-occupied commercial buildings of various types, retail and office buildings, hotels, and other business and industrial properties.  The nonresidential real estate loans that the Company originates generally have terms of five to 20 years with amortization periods up to 20 years.  The maximum loan-to-value ratio of our nonresidential real estate loans is generally 75%.

 

Loans secured by nonresidential real estate generally are larger than one-to-four family residential loans and involve greater credit risk.  Nonresidential real estate loans often involve large loan balances to single borrowers or groups of related borrowers.  Repayment of these loans depends to a large degree on the results of operations and management of the properties securing the loans or the businesses conducted on such property, and may be affected to a greater extent by adverse conditions in the real estate market or the economy in general, including the current adverse conditions.  Our nonresidential real estate lending includes a significant amount of loans to churches.  Because a church’s financial stability often depends on donations from congregation members rather than income from business operations, repayment may be affected by economic conditions that affect individuals located both in our market area and in other market areas with which we are not as familiar.  In addition, due to the unique nature of church buildings and properties, the real estate securing church loans may be less marketable than other nonresidential real estate.

 

The Company considers a number of factors in originating nonresidential real estate loans.  The Company evaluates the qualifications and financial condition of the borrower, including credit history, cash flows, the applicable business plan, the financial resources of the borrower, the borrower’s experience in owning or managing similar property and the borrower’s payment history with the Company and other financial institutions.  In evaluating the property securing the loan, the factors the Company considers include the net operating income of the mortgaged property before debt service and depreciation, the ratio of the loan amount to the appraised value of the mortgaged property and the debt service coverage ratio (the ratio of net operating income to debt service).  For church loans, the Company also considers the length of time the church has been in existence, the size and financial strength of the denomination with which it is affiliated, attendance figures and growth projections and current operating budgets.  The collateral underlying all nonresidential real estate loans is appraised by outside independent appraisers approved by our board of directors.  Personal guarantees may be obtained from the principals of nonresidential real estate borrowers, and in the case of church loans, guarantees from the applicable denomination may be obtained.              

 

Agricultural:  These loans are secured by farmland and related improvements in the Company’s market area.  These loans generally have terms of five to 20 years with amortization periods up to 20 years.  The maximum loan-to-value ratio of these loans is generally 75%.  The Company is managing a small number of these loans in our portfolio.  We continue to closely monitor our existing relationships.

 

Loans secured by agricultural real estate generally are larger than one-to-four family residential loans and involve greater credit risk.  Agricultural real estate loans often involve large loan balances to single borrowers or groups of related borrowers.  Repayment of these loans depends to a large degree on the results of operations and management of the properties securing the loans or the businesses conducted on such property, and may be affected to a greater extent by adverse conditions in the real estate market or the economy in general, including the current adverse conditions.

 

Construction and Land:  The Company makes construction loans to individuals for the construction of their primary residences and to commercial businesses for their real estate needs.  These loans generally have maximum terms of twelve months, and upon completion of construction convert to conventional amortizing mortgage loans.  Residential construction loans have rates and terms comparable to one-to-four family residential mortgage loans that the Company originates.  Commercial construction loans have rate and terms comparable to commercial loans that we originate.  During the construction phase, the borrower generally pays interest only.  Generally, the maximum loan-to-value ratio of our owner-occupied construction loans is 80%.  Residential construction loans are generally underwritten pursuant to the same guidelines used for originating permanent residential mortgage loans.  Commercial construction loans are generally underwritten pursuant to the same guidelines used for originating commercial loans.

 

The Company also makes interim construction loans for nonresidential properties.  In addition, the Company occasionally makes loans for the construction of homes “on speculation,” but the Company generally permits a borrower to have only two such loans at a time.  These loans generally have a maximum term of eight months, and upon completion of construction convert to conventional amortizing nonresidential real estate loans.  These construction loans have rates and terms comparable to permanent loans secured by property of the type being constructed that we originate.  Generally, the maximum loan-to-value ratio of these construction loans is 85%. 

 

Commercial and Industrial Loans:  Commercial and industrial loans are offered to businesses and professionals in the Company’s market area.  These loans generally have short and medium terms on both a collateralized and uncollateralized basis.  The structure of these loans are largely determined by the loan purpose and collateral.  Sources of collateral can include a lien on furniture, fixtures, equipment, inventory, receivables and other assets of the company.  A UCC-1 is typically filed to perfect our lien on these assets.

 

Commercial and industrial loans and leases typically are underwritten on the basis of the borrower’s or lessee’s ability to make repayment from the cash flow of its business and generally are collateralized by business assets. As a result, such loans and leases involve additional complexities, variables and risks and require more thorough underwriting and servicing than other types of loans and leases.

 

Consumer and Other Loans:  The Company offers installment loans for various consumer purposes, including the purchase of automobiles, boats, and for other legitimate personal purposes.  The maximum terms of consumer loans is 18 months for unsecured loans and 18 to 60 months for loans secured by a vehicle, depending on the age of the vehicle.  The Company generally only extends consumer loans to existing customers or their immediate family members, and these loans generally have relatively low balances. 

 

Consumer loans may entail greater credit risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured or are secured by rapidly depreciable assets, such as automobiles.  In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances.  Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. Based on the most recent analysis performed, the risk grade of loans by portfolio segment are presented in the following tables. 

 

Total loans by risk grade and portfolio segment at December 31, 2019:

 

 

 

Pass

 

 

Pass-Watch

 

 

Special
Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One-to-four family

 

$

277,492

 

 

$

4,655

 

 

$

2,945

 

 

$

4,266

 

 

$

 

 

$

289,358

 

Multi-family

 

 

 1,535

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 1,535

 

Home equity

 

 

 5,715

 

 

 

 420

 

 

 

 57

 

 

 

 49

 

 

 

 

 

 

 6,241

 

Nonresidential

 

 

 16,375

 

 

 

 341

 

 

 

 

 

 

 863

 

 

 

 

 

 

 17,579

 

Agricultural

 

 

 1,171

 

 

 

 

 

 

 

 

 

 320

 

 

 

 

 

 

 1,491

 

Construction and land

 

 

 33,101

 

 

 

 431

 

 

 

 

 

 

 73

 

 

 

 

 

 

 33,605

 

Total real estate loans

 

 

 335,389

 

 

 

 5,847

 

 

 

 3,002

 

 

 

 5,571

 

 

 

 

 

 

 349,809

 

Commercial and industrial

 

 

 4,208

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 4,208

 

Consumer and other loans

 

 

 6,226

 

 

 

 —

 

 

 

 —

 

 

 

 —

 

 

 

 —

 

 

 

 6,226

 

Total

 

$

345,823

 

 

$

5,847

 

 

$

3,002

 

 

$

5,571

 

 

$

 

 

$

360,243

 

  

Total loans by risk grade and portfolio segment at June 30, 2019:

 

 

 

Pass

 

 

Pass-Watch

 

 

Special
Mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

One-to-four family

 

$

276,141

 

 

$

5,316

 

 

$

3,217

 

 

$

4,403

 

 

$

 

 

$

289,077

 

Multi-family

 

 

 1,605

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 1,605

 

Home equity

 

 

 4,733

 

 

 

 313

 

 

 

 69

 

 

 

 76

 

 

 

 

 

 

 5,191

 

Nonresidential

 

 

 17,951

 

 

 

 491

 

 

 

 

 

 

 908

 

 

 

 

 

 

 19,350

 

Agricultural

 

 

 1,154

 

 

 

 

 

 

 

 

 

 356

 

 

 

 

 

 

 1,510

 

Construction and land

 

 

33,130

 

 

 

446

 

 

 

 

 

 

75

 

 

 

 

 

 

33,651

 

Total real estate loans

 

 

 334,714

 

 

 

 6,566

 

 

 

 3,286

 

 

 

 5,818

 

 

 

 

 

 

 350,384

 

Commercial and industrial

 

 

 4,390

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 4,390

 

Consumer and other loans

 

 

5,314

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5,314

 

Total

 

$

344,418

 

 

$

6,566

 

 

$

3,286

 

 

$

5,818

 

 

$

 

 

$

360,088

 

 

At December 31, 2019, loans totaling $109 were in formal foreclosure proceedings and are included in the one-to-four family loan category.

 

XML 73 R16.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
STOCK BASED COMPENSATION
6 Months Ended
Dec. 31, 2019
Share-based Payment Arrangement, Noncash Expense [Abstract]  
STOCK BASED COMPENSATION

(9)           STOCK BASED COMPENSATION

 

On April 5, 2012, the shareholders of Oconee Federal Financial Corp. approved the Oconee Federal Financial Corp. 2012 Equity Incentive Plan (the “Plan”) for employees and directors of the Company.  The Plan authorizes the issuance of up to 435,472 shares of the Company’s common stock, with no more than 124,420 of shares as restricted stock awards and 311,052 as stock options, either incentive stock options or non-qualified stock options.  The exercise price of options granted under the Plan may not be less than the fair market value on the date the stock option is granted.  The compensation committee of the board of directors has sole discretion to determine the amount and to whom equity incentive awards are granted.

 

There have been no stock options or restricted stock issued in fiscal 2020 or fiscal 2019.

 

The following table summarizes stock option activity for the six months ended December 31, 2019:

 

 

 

Options

 

 

Weighted-
Average
Exercise
Price/Share

 

 

Aggregate
Intrinsic
Value (1)

 

Outstanding - June 30, 2019

 

 

 169,519

 

 

$

14.65

 

 

 

 

 

Granted

 

 

 

 

 

 

 

 

 

 

Exercised

 

 

 

 

 

 

 

 

 

 

Forfeited

 

 

 (5,200

)

 

 

29.33

 

 

 

 

 

Outstanding - December 31, 2019

 

 

 164,319

 

 

$

14.18

 

 

$

1,943

 

Fully vested and exercisable at December 31, 2019

 

 

 143,419

 

 

$

12.86

 

 

$

1,886

 

Expected to vest in future periods

 

 

 20,900

 

 

 

 

 

 

 

 

 

Fully vested and expected to vest - December 31, 2019

 

 

 164,319

 

 

$

14.18

 

 

$

1,943

 

 

 

(1)

The intrinsic value for stock options is defined as the difference between the current market value and the exercise price.  The current market price was based on the closing price of common stock of $26.01 per share on December 31, 2019. 

 

Stock options are assumed to be earned ratably over their respective vesting periods and charged to compensation expense based upon their grant date fair value and the number of options assumed to be earned. There were 2,470 and 8,070 options that were earned during the six months ended December 31, 2019 and 2018, respectively. Stock-based compensation expense for stock options for the three and six months ended December 31, 2019 was $6 and $10, respectively, and for the three and six months ended December 31, 2018 was $11 and $21, respectively. Total unrecognized compensation cost related to stock options was $67 at December 31, 2019 and is expected to be recognized over a weighted-average period of 3.1 years.

 

The following table summarizes non-vested restricted stock activity for the six months ended December 31, 2019:

 

    December 31,
 2019
 
Balance - beginning of year      8,800  
Granted      
Forfeited      
Vested      —  
Balance - end of period      8,800  
Weighted average grant date fair value   $ 19.77  

  

The fair value of the restricted stock awards is amortized to compensation expense over their respective vesting periods and is based on the market price of the Company’s common stock at the date of grant multiplied by the number of shares granted that are expected to vest. Stock-based compensation expense for restricted stock included in noninterest expense for the three and six months ended December 31, 2019 was $15 and $30, respectively, and for the three and six months ended December 31, 2018 was $25 and $51, respectively. Unrecognized compensation expense for non-vested restricted stock awards was $119 at December 31, 2019 and is expected to be recognized over a weighted-average period of 2.2 years. 

XML 74 R35.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
SECURITIES AVAILABLE-FOR-SALE (Details 2) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Amortized Cost    
Less than one year $ 1,250 $ 2,000
Due from one to five years 11,527 11,627
Due after five years to ten years 10,471 18,817
Due after ten years 6,364 7,019
Mortgage-backed securities, CMOs and FHLMC stock [1] 55,027 55,275
Total 84,639 94,738
Fair Value    
Less than one year 1,250 1,994
Due from one to five years 11,616 11,663
Due after five years to ten years 10,685 18,955
Due after ten years 6,460 7,093
Mortgage-backed securities, CMOs and FHLMC stock [1] 55,737 55,724
Total $ 85,748 $ 95,429
[1] Actual cash flows may differ from contractual maturities as borrowers may prepay obligations without prepayment penalty. FHLMC common stock is not scheduled because it has no contractual maturity date.
XML 75 R31.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
EARNINGS PER SHARE (''EPS'') (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Earnings per share        
Net income $ 1,090 $ 919 $ 2,024 $ 1,788
Less: distributed earnings allocated to participating securities (1) (1) (2) (3)
Less: (undistributed income) dividends in excess of earnings allocated to participating securities (1) (2) (1) (2)
Net earnings available to common shareholders $ 1,088 $ 916 $ 2,021 $ 1,783
Weighted average common shares outstanding including participating securities 5,719,941 5,762,678 5,729,799 5,768,419
Less: participating securities (8,800) (15,355) (8,800) (15,355)
Less: average unearned ESOP shares (50,412) (61,926) (43,880) (55,760)
Weighted average common shares outstanding 5,660,729 5,685,397 5,677,119 5,697,304
Basic earnings per share (in dollars per share) $ 0.19 $ 0.16 $ 0.36 $ 0.31
Weighted average common shares outstanding 5,660,729 5,685,397 5,677,119 5,697,304
Add: dilutive effects of assumed exercises of stock options 66,874 119,788 65,850 123,711
Average shares and dilutive potential common shares 5,727,603 5,805,185 5,742,969 5,821,015
Diluted earnings per share (in dollars per share) $ 0.19 $ 0.16 $ 0.35 $ 0.31
XML 76 R39.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
LOANS (Details 1) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Change in allowance for loan losses during the period        
Beginning Balance $ 1,297 $ 1,151 $ 1,297 $ 1,097
Provision   76   148
Charge-offs (1)   (1) (18)
Ending Balance 1,296 1,227 1,296 1,227
Real Estate Loans [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 1,202 1,141 1,207 1,092
Provision 3 65 (2) 132
Charge-offs       (18)
Ending Balance 1,205 1,206 1,205 1,206
Real Estate Loans [Member] | One to Four Family [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 993 956 995 939
Provision   29 (2) 64
Charge-offs       (18)
Ending Balance 993 985 993 985
Real Estate Loans [Member] | Multi Family [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 4 4 4 4
Ending Balance 4 4 4 4
Real Estate Loans [Member] | Home Equity [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 29 13 24 8
Provision 4 2 9 7
Ending Balance 33 15 33 15
Real Estate Loans [Member] | Nonresidential [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 85 69 87 66
Provision (8) 35 (10) 38
Ending Balance 77 104 77 104
Real Estate Loans [Member] | Agricultural [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 4 1 3 1
Provision     1  
Ending Balance 4 1 4 1
Real Estate Loans [Member] | Construction and Land [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 87 98 94 74
Provision 7 (1)   23
Ending Balance 94 97 94 97
Commercial and Industrial [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 70 3 67 4
Provision (4) 15 (1) 14
Ending Balance 66 18 66 18
Consumer And Other Loans [Member]        
Change in allowance for loan losses during the period        
Beginning Balance 25 7 23 1
Provision 1 (4) 3 2
Charge-offs (1)   (1)  
Ending Balance $ 25 $ 3 $ 25 $ 3
XML 77 R58.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
STOCK BASED COMPENSATION (Details Narrative) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Apr. 05, 2012
Jun. 30, 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Closing price of common stock (in dollars per share) $ 26.01   $ 26.01     $ 10.00
Common Stock [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Shares authorized (in shares)         435,472  
Restricted Stock [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Shares authorized (in shares)         124,420  
Stock-based compensation expense $ 15 $ 25 $ 30 $ 51    
Unrecognized compensation expense for nonvested restricted stock awards 119   $ 119      
Expected period for recognition     2 years 2 months 12 days      
Employee and Directors Stock Options [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Shares authorized (in shares)         311,052  
Options earned (in shares)     2,470 8,070    
Stock-based compensation expense 6 $ 11 $ 10 $ 21    
Total unrecognized compensation cost related to stock options $ 67   $ 67      
Expected period for recognition     3 years 1 month 6 days      
XML 78 R50.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2) - Level 3 [Member] - Fair Value, Measurements, Recurring [Member] - Loan Servicing Rights [Member] - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation        
Balance at beginning of period: $ 815 $ 1,050 $ 868 $ 1,093
Unrealized net losses included in net income (34) (33) (87) (76)
Balance at end of period: $ 781 $ 1,017 $ 781 $ 1,017
XML 79 R54.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
EMPLOYEE STOCK OWNERSHIP PLAN (Details) - USD ($)
$ in Thousands
Dec. 31, 2019
Jun. 30, 2019
Shares held by the ESOP    
Committed to be released to participants 23,865 11,983
Allocated to participants 127,257 127,257
Unearned 41,579 59,245
Total ESOP shares 192,701 198,485
Fair value of unearned shares $ 1,081 $ 1,360