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3. Loans: Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized (Tables) | 12 Months Ended
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Jun. 30, 2013
Tables/Schedules |
Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized |
|  | June 30, 2013 |  | June 30, 2012
|  |  | Average |  |  | Unpaid |  |  | Interest |  |  | Average |  |  | Unpaid |  |  | Interest
|  |  | Recorded |  |  | Principal |  |  | Income |  |  | Recorded |  |  | Principal |  |  | Income
|  |  | Investment |  |  | Balance |  |  | Recognized |  |  | Investment |  |  | Balance |  |  | Recognized
Retail consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 44,060 |  | $ | 49,176 |  | $ | 1,867 |  | $ | 42,829 |  | $ | 41,006 |  | $ | 1,799
Home equity lines of credit |  |  | 5,869 |  |  | 9,405 |  |  | 194 |  |  | 5,531 |  |  | 8,329 |  |  | 208
Construction and land/lots |  |  | 2,906 |  |  | 4,617 |  |  | 169 |  |  | 4,926 |  |  | 8,244 |  |  | 253
Consumer |  |  | 67 |  |  | 184 |  |  | 3 |  |  | 48 |  |  | 98 |  |  | 1
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 25,501 |  |  | 28,136 |  |  | 1,014 |  |  | 21,249 |  |  | 25,679 |  |  | 1,184
Construction and development |  |  | 12,161 |  |  | 17,986 |  |  | 425 |  |  | 26,994 |  |  | 23,070 |  |  | 763
Commercial and industrial |  |  | 3,006 |  |  | 3,801 |  |  | 153 |  |  | 3,138 |  |  | 4,535 |  |  | 218
Municipal leases |  |  | - |  |  | - |  |  | - |  |  | 531 |  |  | - |  |  | -
Total loans |  | $ | 93,570 |  | $ | 113,305 |  | $ | 3,825 |  | $ | 105,246 |  | $ | 110,961 |  | $ | 4,426

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