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v3.23.2

Loans and Allowance for Credit Losses - Classes of loans information (Details) |  |  | 12 Months Ended |
--- | --- | --- | --- | ---
Jan. 20, 2023 USD ($) | Feb. 25, 2022 USD ($) | Jun. 30, 2023 USD ($) loan | Jun. 30, 2022 USD ($) loan | Jun. 30, 2021 USD ($) | Jun. 30, 2020 USD ($)
Allowance for credit losses |  |  | $ 14,131,000 | $ (66,000) | $ (602,000) |
Allowance for credit losses for purchased credit deteriorated (PCD) |  |  | 17,100,000 | 1,500,000 | 1,000,000.0 |
Off-balance sheet credit exposures |  |  | 6,288,000 | $ 3,358,000 | 1,805,000 | $ 1,959,000
Impact of acquisition on provision on credit losses (PCL) |  |  | 10,100,000 |  |  |
Impact of acquisition on allowance for credit losses (ACL) |  |  | 8,900,000 |  |  |
Impact of acquisition on off-balance sheet credit exposure |  |  | $ 1,200,000 |  |  |
Net charge offs on average loans outstanding (as percentage) |  |  | 0.02% | 0.01% |  |
Citizens Bancshares Company |  |  |  |  |  |
Allowance for credit losses |  |  | $ 5,200,000 |  |  |
Allowance for credit losses for purchased credit deteriorated (PCD) | $ 1,121,000 |  | 1,100,000 |  |  |
Off-balance sheet credit exposures |  |  | 1,800,000 |  |  |
Fortune |  |  |  |  |  |
Allowance for credit losses for purchased credit deteriorated (PCD) |  | $ 120,000 |  | $ 120,000 |  |
ACL required for non-PCD loans acquired |  |  | 1,900,000 |  |  |
Credit exposure |  |  | 120,000 |  |  |
Negative PCL |  |  |  | 533,000 |  |
Secured by properties located outside lending area |  |  |  |  |  |
Loans Receivable |  |  | $ 618,600,000 |  |  |
Residential Real Estate. |  |  |  |  |  |
Fixed-rate and adjustable-rate mortgage (ARM) loans amortization period (in years) |  |  | 30 years |  |  |
Residential Real Estate. | Single Family |  |  |  |  |  |
Maximum percentage of appraised value or purchase price that loans cannot exceed |  |  | 90.00% |  |  |
Residential Real Estate. | Multifamily |  |  |  |  |  |
Maximum percentage of appraised value or purchase price that loans cannot exceed |  |  | 85.00% |  |  |
Amortization period of loans |  |  | 25 years |  |  |
Amortization period of multi-family residential loans if balloon maturities |  |  | 10 years |  |  |
Commercial |  |  |  |  |  |
Amortization period of loans |  |  | 25 years |  |  |
Term of fixed interest applicability on loans |  |  | 10 years |  |  |
Term of variable interest applicability on loans |  |  | 7 years |  |  |
Agricultural real estate terms if 80% loan-to-value ratio |  |  | 25 years |  |  |
Agricultural real estate terms if 75% loan-to-value ratio |  |  | 30 years |  |  |
Loans Receivable |  |  | $ 1,600,000,000 |  |  |
Residential Real Estate |  |  |  |  |  |
Amortization period of loans |  |  | 30 years |  |  |
Allowance for credit losses |  |  | $ 6,655,000 | (2,238,000) | 2,973,000 |
Off-balance sheet credit exposures |  |  | $ 71,000 | 58,000 | 37,000 | 19,000
Residential Real Estate | Minimum |  |  |  |  |  |
Maturities of single-family residential construction loans |  |  | 6 months |  |  |
Residential Real Estate | Maximum |  |  |  |  |  |
Maturities of single-family residential construction loans |  |  | 12 months |  |  |
Commercial Real Estate |  |  |  |  |  |
Amortization period of loans |  |  | 25 years |  |  |
Allowance for credit losses |  |  | $ 5,605,000 | 2,251,000 | (1,364,000) |
Off-balance sheet credit exposures |  |  | $ 475,000 | 421,000 | 188,000 | 172,000
Construction Real Estate |  |  |  |  |  |
Average term of construction loans |  |  | 12 months |  |  |
Allowance for credit losses |  |  | $ 432,000 | 46,000 | 281,000 |
Off-balance sheet credit exposures |  |  | $ 4,809,000 | 2,178,000 | 502,000 | 769,000
Construction Real Estate | Minimum |  |  |  |  |  |
Maturities of multifamily or commercial construction loans |  |  | 12 months |  |  |
Construction Real Estate | Maximum |  |  |  |  |  |
Maturities of multifamily or commercial construction loans |  |  | 36 months |  |  |
Consumer loans |  |  |  |  |  |
Amortization period of loans |  |  | 66 months |  |  |
Allowance for credit losses |  |  | $ 334,000 | (205,000) | (1,232,000) |
Off-balance sheet credit exposures |  |  | $ 73,000 | 61,000 | 218,000 | 153,000
Consumer loans | Home Equity Loan |  |  |  |  |  |
Maximum percentage of appraised value or purchase price that loans cannot exceed |  |  | 90.00% |  |  |
Amortization period of loans |  |  | 10 years |  |  |
Consumer loans | Automobile loans |  |  |  |  |  |
Maximum percentage of appraised value or purchase price that loans cannot exceed |  |  | 100.00% |  |  |
Amortization period of loans |  |  | 66 months |  |  |
Commercial loans |  |  |  |  |  |
Amortization period of loans |  |  | 5 years |  |  |
Amortization period of multi-family residential loans if balloon maturities |  |  | 1 year |  |  |
Allowance for credit losses |  |  | $ 1,105,000 | 80,000 | (1,260,000) |
Off-balance sheet credit exposures |  |  | $ 860,000 | $ 640,000 | $ 860,000 | $ 846,000
Modifications for the purpose of extending the maturity date | Construction Real Estate |  |  |  |  |  |
Incremental period that the loan maturity can be extended to |  |  | 3 months |  |  |
Number of construction loans outstanding, for which a modification had been agreed to | loan |  |  | 53 | 57 |  |
Construction loans outstanding, for which a modification had been agreed to |  |  | $ 33,400,000 | $ 13,800,000 |  |

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