REGULATORY CAPITAL (Tables)

12 Months Ended

Jun. 30, 2015

Banking and Thrift [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

The following tables summarize the Bank’s capital amounts and the ratios required:

											To be well
											capitalized under
						For capital					prompt
	Actual					adequacy purposes					corrective action
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in thousands)
June 30, 2015
Common equity tier 1 risk-based capital	$	60,088		22.53	%	$	11,999		4.50	%	$	17,332		6.50	%
Tier 1 risk based capital		60,088		22.53	%		15,999		6.00	%		21,331		8.00	%
Total risk-based capital		63,448		23.80	%		21,331		8.00	%		26,664		10.00	%
Tier 1 leverage		60,088		11.47	%		20,963		4.00	%		26,204		5.00	%
June 30, 2014
Tier 1 capital to risk-weighted assets	$	62,516		25.63	%	$	9,757		4.00	%	$	14,636		6.00	%
Total capital to risk-weighted assets		65,595		26.89	%		19,515		8.00	%		24,394		10.00	%
Tier 1 capital to adjusted total assets		62,516		11.88	%		21,049		4.00	%		26,311		5.00	%

Schedule Of Reconciliation Of Gaap Equity To Regulatory Capital [Text Block]

Reconciliation of GAAP equity to regulatory capital is as follows for the Bank:

	June 30,
	2015		2014
	(In thousands)
GAAP equity	$	62,526	$	65,368
Intangible assets, net		(2,366)		(3,069)
Unrealized (gain) loss on securities available for sale		520		1,060
Disallowed servicing rights (10%)		-		(72)
Disallowed deferred tax assets		(592)		(771)
Tier 1 capital		60,088		62,516
General allowance for loan losses		3,360		3,079
Risk-based capital	$	63,448	$	65,595