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v3.23.3

Loans and Allowance for Credit Losses - Classes of loans information (Details) $ in Thousands |  |  | 3 Months Ended |
--- | --- | --- | --- | ---
Jan. 20, 2023 USD ($) | Feb. 25, 2022 USD ($) | Sep. 30, 2023 USD ($) | Sep. 30, 2022 USD ($) | Jun. 30, 2023 USD ($)
Provision for credit losses |  |  | $ 900 | $ 5,056 |
Allowance for credit losses, loans |  |  | 1,570 | 4,250 |
Provision (recovery) for off balance sheet credit exposure |  |  | $ (670) | 806 |
Net charge offs on average loans outstanding (as percentage) |  |  | 0.03% |  |
Citizens Bancshares Company |  |  |  |  |
Allowance for credit losses for purchased credit deteriorated (PCD) | $ 1,121 |  |  |  |
Fortune |  |  |  |  |
Allowance for credit losses for purchased credit deteriorated (PCD) |  | $ 120 |  |  |
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 |  |
Residential Real Estate |  |  |  |  |
Amortization period of loans |  |  | 30 years |  |
Allowance for credit losses, loans |  |  | $ (663) | 3,030 |
Provision (recovery) for off balance sheet credit exposure |  |  | $ 7 | 135 |
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, loans |  |  | $ 2,166 | 1,048 |
Provision (recovery) for off balance sheet credit exposure |  |  | $ (10) | 107 |
Construction Real Estate |  |  |  |  |
Average term of construction loans |  |  | 12 months |  |
Allowance for credit losses, loans |  |  | $ 303 | 283 |
Provision (recovery) for off balance sheet credit exposure |  |  | $ (616) | 719 |
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, loans |  |  | $ (12) | 12 |
Provision (recovery) for off balance sheet credit exposure |  |  | $ (2) |  |
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, loans |  |  | $ (224) | (123) |
Provision (recovery) for off balance sheet credit exposure |  |  | $ (49) | $ (155) |
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 |  |  | 51 |  | 53
Construction loans outstanding, for which a modification had been agreed to |  |  | $ 40,100 |  | $ 33,400

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