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v3.23.1

Loans and Allowance for Credit Losses - Classes of loans information (Details) $ in Thousands |  | 3 Months Ended | 9 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | --- | ---
Jan. 20, 2023 USD ($) | Mar. 31, 2023 USD ($) | Mar. 31, 2022 USD ($) | Mar. 31, 2023 USD ($) | Mar. 31, 2022 USD ($) | Dec. 31, 2022 USD ($) | Jun. 30, 2022 USD ($) | Dec. 31, 2021 USD ($) | Jun. 30, 2021 USD ($)
Allowance for credit losses |  | $ 10,100 | $ 1,600 | $ 16,300 | $ 1,200 |  |  |  |
Off-balance sheet credit exposures |  | 7,824 | 2,679 | 7,824 | $ 2,679 | $ 4,937 | $ 3,358 | $ 2,179 | $ 1,805
Impact of acquisition on provision on credit losses (PCL) |  | 3,100 |  | 9,300 |  |  |  |  |
Impact of acquisition on allowance for credit losses (ACL) |  | 2,000 |  | 6,600 |  |  |  |  |
Impact of acquisition on off-balance sheet credit exposure |  | 1,100 |  | $ 2,700 |  |  |  |  |
Net charge offs on average loans outstanding (as percentage) |  |  |  | 0.02% | 0.01% |  |  |  |
Citizens Bancshares Company, purchased on January 20, 2023 |  |  |  |  |  |  |  |  |
Allowance for credit losses | $ 5,200 |  |  |  |  |  |  |  |
Allowance for credit losses for purchased credit deteriorated (PCD) | 1,100 |  |  |  |  |  |  |  |
Off-balance sheet credit exposures | $ 1,800 |  |  |  |  |  |  |  |
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 |  |  |  |  |  |  |  |  |
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 |  |  |  |  |
Residential Real Estate |  |  |  |  |  |  |  |  |
Amortization period of loans |  |  |  | 30 years |  |  |  |  |
Off-balance sheet credit exposures |  | 105 | 83 | $ 105 | $ 83 | 70 | 58 | 34 | 37
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 |  |  |  |  |
Off-balance sheet credit exposures |  | 341 | 335 | $ 341 | 335 | 480 | 421 | 170 | 188
Construction Real Estate |  |  |  |  |  |  |  |  |
Average term of construction loans |  |  |  | 12 months |  |  |  |  |
Off-balance sheet credit exposures |  | 5,578 | 1,723 | $ 5,578 | 1,723 | 3,629 | 2,178 | 1,673 | 502
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 |  |  |  |  |
Off-balance sheet credit exposures |  | 102 | 74 | $ 102 | 74 | 56 | 61 | 58 | 218
Consumer loans | Home Equity Loan |  |  |  |  |  |  |  |  |
Maximum percentage of appraised value or purchase price that loans cannot exceed |  |  |  | 100.00% |  |  |  |  |
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 |  |  |  |  |
Off-balance sheet credit exposures |  | $ 1,698 | $ 464 | $ 1,698 | $ 464 | $ 702 | $ 640 | $ 244 | $ 860
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 |  | 79 |  | 79 |  |  | 57 |  |
Construction loans outstanding, for which a modification had been agreed to |  | $ 68,500 |  | $ 68,500 |  |  | $ 13,800 |  |

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