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v3.24.1.1.u2

Loans and Allowance for Credit Losses - Classes of loans information (Details) |  | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | --- | ---
Jan. 20, 2023 USD ($) | Mar. 31, 2024 USD ($) loan | Mar. 31, 2023 USD ($) | Mar. 31, 2024 USD ($) loan | Mar. 31, 2023 USD ($) | Jun. 30, 2023 USD ($) loan
Provision for credit losses |  | $ 900,000 | $ 10,072,000 | $ 2,700,000 | $ 16,266,000 |
Allowance for credit losses, loans |  | 1,358,000 | 7,185,000 | 4,850,000 | 11,800,000 |
Provision (recovery) for off balance sheet credit exposure |  | (458,000) | 2,887,000 | $ (2,150,000) | 4,466,000 |
Impact of acquisition on provision on credit losses (PCL) |  |  | 3,100,000 |  | 9,300,000 |
Impact of acquisition on allowance for credit losses (ACL) |  |  | 2,000,000.0 |  | 6,600,000 |
Impact of acquisition on off-balance sheet credit exposure |  |  | 1,100,000 |  | 2,700,000 |
Net charge offs on average loans outstanding (as percentage) |  |  |  | 0.05% |  |
Citizens Bancshares Company |  |  |  |  |  |
Allowance for credit losses, loans |  |  |  |  |  | $ 5,200,000
Provision (recovery) for off balance sheet credit exposure |  |  |  |  |  | 1,800,000
Allowance for credit losses for purchased credit deteriorated (PCD) | $ 1,121,000 |  |  |  |  | $ 1,100,000
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 |  |  |  |  |  |
Allowance for credit losses, loans |  | 262,000 | 870,000 | $ (151,000) | 4,462,000 |
Provision (recovery) for off balance sheet credit exposure |  | 26,000 | 35,000 | $ 32,000 | 47,000 |
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 |  |
Residential Real Estate | Residential Real Estate. |  |  |  |  |  |
Fixed-rate and adjustable-rate mortgage (ARM) loans amortization period (in years) |  |  |  | 30 years |  |
Residential Real Estate | Residential Real Estate. | Single Family |  |  |  |  |  |
Maximum percentage of appraised value or purchase price that loans cannot exceed |  |  |  | 90.00% |  |
Residential Real Estate | 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 Real Estate |  |  |  |  |  |
Allowance for credit losses, loans |  | 1,433,000 | 1,111,000 | $ 4,250,000 | 1,324,000 |
Provision (recovery) for off balance sheet credit exposure |  | (53,000) | (139,000) | $ (59,000) | (80,000) |
Commercial Real Estate | Maximum |  |  |  |  |  |
Amortization period of loans |  |  |  | 25 years |  |
Construction Real Estate |  |  |  |  |  |
Allowance for credit losses, loans |  | (517,000) | 872,000 | $ (28,000) | 1,406,000 |
Provision (recovery) for off balance sheet credit exposure |  | (453,000) | 1,949,000 | $ (2,179,000) | 3,400,000 |
Construction Real Estate | Minimum |  |  |  |  |  |
Maturities of multifamily or commercial construction loans |  |  |  | 12 months |  |
Construction Real Estate | Average |  |  |  |  |  |
Average term of construction loans |  |  |  | 12 months |  |
Construction Real Estate | Maximum |  |  |  |  |  |
Amortization period of loans |  |  |  | 30 years |  |
Maturities of multifamily or commercial construction loans |  |  |  | 36 months |  |
Consumer loans |  |  |  |  |  |
Amortization period of loans |  |  |  | 66 months |  |
Allowance for credit losses, loans |  | 53,000 | 165,000 | $ 185,000 | 283,000 |
Provision (recovery) for off balance sheet credit exposure |  | 5,000 | 46,000 |  | 41,000 |
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, loans |  | 127,000 | 4,167,000 | $ 594,000 | 4,325,000 |
Provision (recovery) for off balance sheet credit exposure |  | $ 17,000 | $ 996,000 | $ 56,000 | $ 1,058,000 |
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 |  | 41 |  | 41 |  | 53
Construction loans outstanding, for which a modification had been agreed to |  | $ 18,000,000.0 |  | $ 18,000,000.0 |  | $ 33,400,000

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