CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2020	Jun. 30, 2019
Assets
Cash and due from banks	$ 2,293	$ 1,849
Interest-earning demand deposits	79	2,530
Total cash and cash equivalents	2,372	4,379
Certificates of deposit	1,592	1,843
Commercial paper (amortized cost of $16,902)	16,902
Investment securities available-for-sale (amortized cost of $147,872 and $132,673)	141,429	132,780
Investment securities held-to-maturity (fair value of $3,625 and $4,080)	3,495	3,995
Mortgage-backed securities held-to-maturity (fair value of $100,681 and $108,708)	102,310	108,331
Net loans receivable (allowance for loan losses of $523 and $548)	90,652	90,588
Accrued interest receivable	1,045	1,219
Federal Home Loan Bank (FHLB) stock, at cost	6,889	7,010
Premises and equipment, net	535	346
Bank owned life insurance	4,878	4,789
Deferred tax assets, net	1,733	368
Other assets	215	170
TOTAL ASSETS	374,047	355,818
Deposits
Non-interest-bearing accounts	19,013	19,770
Interest-earning checking accounts	22,725	23,541
Savings accounts	43,319	43,740
Money market accounts	19,769	19,958
Certificates of deposit	46,849	37,361
Advance payments by borrowers for taxes and insurance	1,780	2,065
Total deposits	153,455	146,435
Federal Home Loan Bank advances: short-term	60,802	70,828
Federal Home Loan Bank advances: long-term - fixed rate	15,000	15,000
Federal Home Loan Bank advances: long-term - variable rate	85,000	85,000
Other short-term borrowings	24,800
Accrued interest payable	661	823
Other liabilities	2,057	1,683
TOTAL LIABILITIES	341,775	319,769
Stockholders' equity:
Preferred stock: 5,000,000 shares, no par value per share, authorized; none issued
Common stock: 10,000,000 shares, $.01 par value per share, authorized; 3,805,636 shares issued	38	38
Additional paid-in capital	21,575	21,550
Treasury stock: 1,886,796 and 1,862,520 shares at cost, respectively	(28,616)	(28,269)
Retained earnings, substantially restricted	46,420	44,807
Accumulated other comprehensive (loss) income	(5,149)	15
Unallocated Employee Stock Ownership Plan ("ESOP") shares	(1,996)	(2,092)
TOTAL STOCKHOLDERS' EQUITY	32,272	36,049
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 374,047	$ 355,818