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LOANS (Tables)
12 Months Ended
Jun. 30, 2015
LOANS  
Schedule of components of loans
June 30,
2015
June 30,
2014
Real estate loans:
One-to-four family
$ 256,321 $ 214,735
Multi-family
2,574 254
Home equity
8,198 227
Nonresidential
21,685 8,408
Agricultural
4,164
Construction and land
14,590 7,661
Total real estate loans
307,532 231,285
Commercial and industrial
184
Consumer and other loans
2,745 747
Total loans
310,461 232,032
Deferred net loan fees
(1,194) (1,246)
Total loans net of deferred loan fees
$ 309,267 $ 230,786
Schedule of activity in the allowance for loan losses
Year Ended June 30, 2015
Beginning
Balance
Provision
Charge-offs
Recoveries
Ending
Balance
Real estate loans:
One-to-four family
$ 736 $ 174 $ $ $ 910
Multi-family
4 4
Home equity
1 40 (40) 1
Nonresidential
52 3 55
Agricultural
4 4
Construction and land
59 (34) 25
Total real estate loans
852 187 (40) 999
Commercial and industrial
Consumer and other loans
3 8 (2) 9
Total loans
$ 855 $ 195 $ (42) $  — $ 1,008
Year Ended June 30, 2014
Beginning
Balance
Provision
Charge-offs
Recoveries
Ending
Balance
Real estate loans:
One-to-four family
$ 665 $ 75 $ (4) $ $ 736
Multi-family
4 4
Home equity
1 1
Nonresidential
52 52
Agricultural
Construction and land
27 32 59
Total real estate loans
749 107 (4) 852
Commercial and industrial
Consumer and other loans
2 1 3
Total loans
$ 751 $ 108 $  (4) $  — $   855
Schedule of recorded balances of loans and amount of allowance allocated based upon impairment method by portfolio segment
At June 30, 2015
Ending Allowance on Loans:
Loans:
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
Real estate loans:
One-to-four family
$ 203 $ 707 $ 5,444 $ 250,877
Multi-family
4 2,574
Home equity
1 8,198
Nonresidential
10 45 2,627 19,058
Agricultural
4 1,441 2,723
Construction and land
25 599 13,991
Total real estate loans
213 786 10,111 297,421
Commercial and industrial
184
Consumer and other loans
7 2 7 2,738
Total loans
$ 220 $ 788 $ 10,118 $ 300,343
At June 30, 2014
Ending Allowance on Loans:
Loans:
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
Individually
Evaluated for
Impairment
Collectively
Evaluated for
Impairment
Real estate loans:
One-to-four family
$ 52 $ 684 $ 1,647 $ 213,088
Multi-family
4 254
Home equity
1 227
Nonresidential
52 8,408
Agricultural
Construction and land
59 7,661
Total real estate loans
52 800 1,647 229,638
Commercial and industrial
Consumer and other loans
3 747
Total loans
$  52 $ 803 $  1,647 $ 230,385
Schedule of individually evaluated for impairment by portfolio segment
June 30, 2015
Unpaid
Principal
Balance
Recorded
Investment
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
With no recorded allowance:
Real estate loans:
One-to-four family
$ 4,651 $ 3,403 $ $ 1,889 $ 92
Multi-family
Home equity
207
Nonresidential
2,830 1,307 654 39
Agricultural
2,893 1,441 721 45
Construction and land
1,271 599 300 23
Total real estate loans
11,852 6,750 3,564 199
Commercial and industrial
Consumer and other loans
Total
$ 11,852 $ 6,750 $ $ 3,564 $ 199
With recorded allowance:
Real estate loans:
One-to-four family
$ 2,082 $ 2,042 $ 203 $ 1,658 $ 28
Multi-family
Home equity
Nonresidential
1,938 1,319 10 660 25
Agricultural
Construction and land
Total real estate loans
4,020 3,361 213 2,318 53
Commercial and industrial
Consumer and other loans
9 7 7
Total
$ 4,029 $ 3,368 $ 220 $ 2,318 $ 53
Totals:
Real estate loans
$ 15,872 $ 10,111 $ 213 $ 5,882 $ 252
Consumer and other loans
9 7 7
Total
$ 15,881 $ 10,118 $ 220 $ 5,882 $ 252
June 30, 2014
Unpaid
Principal
Balance
Recorded
Investment
Related
Allowance
Average
Recorded
Investment
Interest
Income
Recognized
With no recorded allowance:
Real estate loans:
One-to-four family
$ 374 $ 374 $ $ 1,054 $ 8
Multi-family
Home equity
Nonresidential
Agricultural
Construction and land
Total real estate loans
374 374 1,054 8
Commercial and industrial
Consumer and other loans
Total
$ 374 $ 374 $  — $ 1,054 $  8
With recorded allowance:
Real estate loans:
One-to-four family
$ 1,273 $ 1,273 $ 52 $ 763 $ 9
Multi-family
Home equity
Nonresidential
Agricultural
Construction and land
Total real estate loans
1,273 1,273 52 763 9
Commercial and industrial
Consumer and other loans
Total
$ 1,273 $ 1,273 $ 52 $ 763 $ 9
Totals:
Real estate loans
$ 1,647 $ 1,647 $ 52 $ 1,817 $ 17
Consumer and other loans
Total
$ 1,647 $ 1,647 $ 52 $ 1,817 $ 17
Schedule of loans modified as troubled debt restructurings
June 30, 2015
Number of
Loans
Pre-modification
Outstanding
Investment
Post-modification
Outstanding
Investment
Real estate loans:
Home equity
1 $ $
Agricultural
1 487 487
Total
   2 $ 487 $ 487
Schedule of loans acquired for as purchased credit impaired loans
June 30,
2015
Real estate loans:
One-to-four family
$ 2,772
Multi-family
Home equity
Nonresidential
2,617
Agricultural
1,441
Construction and land
599
Total real estate loans
7,429
Commercial and industrial
Consumer and other loans
Total loans
$ 7,429
Schedule of changes in the carrying value and accretable yield on purchased credit impaired loans
Year Ended
Accretable
Yield
Carrying
Value
Balance at December 1, 2014
$ (642) $ 9,671
Subsequent adjustments
26 1,276
Liquidations
4 (2,429)
Reductions from payments
(999)
Income
206 (75)
Reclassification from nonaccretable to accretable
(288)
Change in the allowance
(15)
Balance at end of year
$  (694) $ 7,429
Schedule of carrying amount of purchased credit impaired loans
June 30,
2015
Balance at December 1, 2014
$ 3,853
Additions
1,407
Reductions from payments and liquidations
(2,462)
Balance at end of year
$  2,798
Schedule of loans to principal officers, directors and their affiliates
June 30,
2015
June 30,
2014
Beginning balance
$ 766 $ 788
New loans
574
Repayments
(27) (22)
Ending balance
$  1,313 $    766
Financing Receivable, Recorded Investment [Line Items]  
Schedule of the aging of the recorded investment in past due loans
June 30, 2015
30 – 59
Days
Past Due
60 – 89
Days
Past Due
90 Days
or More
Past Due
Total
Past Due
Current
Total
Loans
Accruing
Loans
Past Due 90
Days or More
Real estate loans:
One-to-four family
$ 5,871 $ 1,243 $ 2,311 $ 9,425 $ 246,896 $ 256,321 $
Multi-family
2,574 2,574
Home equity
49 49 8,149 8,198
Nonresidential
229 313 1,108 1,650 20,035 21,685
Agricultural
4,164 4,164
Construction and land
78 78 14,512 14,590
Total real estate loans
6,227 1,556 3,419 11,202 296,330 307,532
Commercial and industrial
184 184
Consumer and other loans
1 1 2 2,743 2,745
Total
$ 6,228 $ 1,557 $ 3,419 $ 11,204 $ 299,257 $ 310,461 $    —
June 30, 2014
30 – 59
Days
Past Due
60 – 89
Days
Past Due
90 Days
or More
Past Due
Total
Past Due
Current
Total
Loans
Loans
Past Due 90
Days or More
Real estate loans:
One-to-four family
$ 4,856 $ 893 $ 1,053 $ 6,802 $ 207,933 $ 214,735 $
Multi-family
254 254
Home equity
227 227
Nonresidential
87 87 8,321 8,408
Construction and land
7,661 7,661
Total real estate loans
4,943 893 1,053 6,889 224,396 231,285
Consumer and other loans
747 747
Total
$ 4,943 $ 893 $ 1,053 $ 6,889 $ 225,143 $ 232,032 $  —
Schedule of portfolio segment by risk grade for originated and for acquired loans
June 30, 2015
Pass
Pass-Watch
Special
Mention
Substandard
Doubtful
Total
Real estate loans:
One-to-four family
$ 242,399 $ 6,909 $ 1,568 $ 5,445 $ $ 256,321
Multi-family
2,574 2,574
Home equity
7,840 184 174 8,198
Nonresidential
13,226 4,275 1,558 2,355 271 21,685
Agricultural
1,295 423 1,005 1,441 4,164
Construction and land
12,586 920 485 599 14,590
Total real estate loans
279,920 12,711 4,790 9,840 271 307,532
Commercial and industrial
169 15 184
Consumer and other loans
2,725 6 7 7 2,745
Total
$ 282,814 $ 12,732 $ 4,797 $ 9,847 $ 271 $ 310,461
 
June 30, 2015
Pass
Pass-Watch
Special
Mention
Substandard
Doubtful
Total
Real estate loans:
One-to-four family
$ 36,616 $ 4,755 $ 1,348 $ 3,318 $ $ 46,037
Multi-family
2,326 2,326
Home equity
7,685 174 174 8,033
Nonresidential
5,655 4,275 1,558 2,355 271 14,114
Agricultural
321 423 1,005 1,441 3,190
Construction and land
5,397 905 485 599 7,386
Total real estate loans
58,000 10,532 4,570 7,713 271 81,086
Commercial and industrial
38 15 53
Consumer and other loans
1,061 6 7 7 1,081
Total
$ 59,099 $ 10,553 $ 4,577 $ 7,720 $ 271 $ 82,220
 
June 30, 2014
Pass
Pass-Watch
Special
Mention
Substandard
Doubtful
Total
Real estate loans:
One-to-four family
$ 213,088 $ $ $ $ 1,647 $ 214,735
Multi-family
254 254
Home equity
227 227
Nonresidential
8,408 8,408
Agricultural
Construction and land
7,661 7,661
Total real estate loans
229,638 1,647 231,285
Commercial and industrial
Consumer and other loans
747 747
Total
$ 230,385 $ $ $ $ 1,647 $ 232,032
 
Acquired Loans  
Financing Receivable, Recorded Investment [Line Items]  
Schedule of the aging of the recorded investment in past due loans
June 30, 2015
30 – 59
Days
Past Due
60 – 89
Days
Past Due
90 Days
or More
Past Due
Total
Past Due
Current
Total
Loans
Accruing
Loans
Past Due 90
Days or More
Real estate loans:
One-to-four family
$ 1,794 $ 94 $ 1,288 $ 3,176 $ 42,861 $ 46,037 $
Multi-family
2,326 2,326
Home equity
38 38 7,995 8,033
Nonresidential
229 313 1,108 1,650 12,464 14,114
Agricultural
3,190 3,190
Construction and land
33 33 7,353 7,386
Total real estate loans
2,094 407 2,396 4,897 76,189 81,086
Commercial and industrial
53 53
Consumer and other loans
1 1 2 1,079 1,081
Total
$ 2,095 $   408 $ 2,396 $  4,899 $  77,321 $  82,220 $    —
Schedule of loans accounted for as purchased credit impaired loans
December 1,
2014
Contractually required payments receivable
$ 21,772
Contractual cash flows not expected to be collected (nonaccretable)
(10,211)
Expected cash flows
11,561
Accretable yield
(616)
Fair value of acquired loans
$ 10,945
Schedule of portfolio segment by risk grade for originated and for acquired loans
June 30, 2014
Pass
Pass-Watch
Special
Mention
Substandard
Doubtful
Total
Real estate loans:
One-to-four family
$ 213,088 $ $ $ $ 1,647 $ 214,735
Multi-family
254 254
Home equity
227 227
Nonresidential
8,408 8,408
Agricultural
Construction and land
7,661 7,661
Total real estate loans
229,638 1,647 231,285
Commercial and industrial
Consumer and other loans
747 747
Total
$ 230,385 $ $ $ $ 1,647 $ 232,032