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Income Taxes Income Taxes (Tables) | 12 Months Ended
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Jun. 30, 2015
Income Tax Disclosure [Abstract] |
Schedule of Provision for Income Taxes | The provision for income taxes for the periods indicated consisted of the following:
(In Thousands) | Year Ended June 30,
2015 |  | 2014 |  | 2013 |
Current: |  |  |  |  |  |
| Federal | $ | 5,365 |  |  | $ | 4,272 |  |  | $ | 9,585 |  |
| State | 1,877 |  |  | 1,773 |  |  | 3,056 |  |
| 7,242 |  |  | 6,045 |  |  | 12,641 |  |
Deferred: |  |  |  |  |  |
| Federal | 17 |  |  | (611 | ) |  | 2,454 |  |
| State | 18 |  |  | (430 | ) |  | 1,821 |  |
| 35 |  |  | (1,041 | ) |  | 4,275 |  |
Provision for income taxes | $ | 7,277 |  |  | $ | 5,004 |  |  | $ | 16,916 |  |
Schedule of Effective Income Tax Rate Reconciliation | The provision for income taxes differs from the amount of income tax determined by applying the applicable U.S. statutory federal income tax rate to net income before income taxes as a result of the following differences for the periods indicated:
| Year Ended June 30,
2015 | 2014 | 2013
(In Thousands) | Amount |  | Tax Rate | Amount | Tax Rate | Amount | Tax Rate
Federal income tax at statutory rate | $ | 5,892 |  |  | 34.5 | % | $ | 3,982 |  |  | 34.3 | % | $ | 14,950 |  |  | 35.0 | %
State income tax | 1,239 |  |  | 7.3 | % | 813 |  |  | 7.0 | % | 3,002 |  |  | 7.0 | %
Changes in taxes resulting from: |  |  |  |  |  |  |  |  |
| Bank-owned life insurance | (65 | ) |  | (0.4 | )% | (65 | ) |  | (0.6 | )% | (64 | ) |  | (0.1 | )%
| Non-deductible expenses | 43 |  |  | 0.3 | % | 30 |  |  | 0.3 | % | 63 |  |  | 0.1 | %
| Non-deductible stock-based compensation | 139 |  |  | 0.8 | % | (22 | ) |  | (0.2 | )% | 82 |  |  | 0.2 | %
| Release of FIN 48 tax liabilities | — |  |  | — | % | — |  |  | — | % | (825 | ) |  | (1.9 | )%
| Other | 29 |  |  | 0.1 | % | 266 |  |  | 2.3 | % | (292 | ) |  | (0.7 | )%
Effective income tax | $ | 7,277 |  |  | 42.6 | % | $ | 5,004 |  |  | 43.1 | % | $ | 16,916 |  |  | 39.6 | %
Schedule of Deferred Tax Assets and Liabilities | Deferred tax assets at June 30, 2015 and 2014 by jurisdiction were as follows:
(In Thousands) | June 30,
2015 |  | 2014 |
Deferred taxes - federal | $ | 4,204 |  |  | $ | 4,185 |  |
Deferred taxes - state | 1,389 |  |  | 1,403 |  |
Total net deferred tax assets | $ | 5,593 |  |  | $ | 5,588 |  |
Net deferred tax assets at June 30, 2015 and 2014 were comprised of the following:
(In Thousands) | June 30,
2015 |  | 2014 |
Loss reserves | $ | 6,170 |  |  | $ | 6,852 |  |
Non-accrued interest | 701 |  |  | 647 |  |
Deferred compensation | 3,229 |  |  | 2,982 |  |
Accrued vacation | 318 |  |  | 315 |  |
State taxes | 138 |  |  | 131 |  |
Unrealized loss on equity investment | 42 |  |  | — |  |
Other | 663 |  |  | 507 |  |
| Total deferred tax assets | 11,261 |  |  | 11,434 |  |
FHLB - San Francisco stock cash dividends | (956 | ) |  | (956 | ) |
Unrealized gain on derivative financial instruments, at fair value | (1,115 | ) |  | (522 | ) |
Unrealized gain on loans held for sale, at fair value | — |  |  | (711 | ) |
Unrealized gain on investment securities | (255 | ) |  | (254 | ) |
Unrealized gain on interest-only strips | (26 | ) |  | (25 | ) |
Deferred loan costs | (3,076 | ) |  | (2,862 | ) |
Depreciation | (240 | ) |  | (516 | ) |
| Total deferred tax liabilities | (5,668 | ) |  | (5,846 | ) |
| Net deferred tax assets | $ | 5,593 |  |  | $ | 5,588 |  |
Schedule of Unrecognized Tax Benefits | A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended June 30, 2015, 2014, and 2013 is as follows:
(In Thousands) | 2015 | 2014 | 2013
Balance of prior fiscal year end | $ | 1,961 |  |  | $ | 1,961 |  |  | $ | 1,961 |  |
Additions based on tax positions related to the current year | — |  |  | — |  |  | — |  |
Addition for tax positions of prior years | — |  |  | — |  |  | — |  |
Reduction for tax positions of prior years | — |  |  | — |  |  | — |  |
Settlements | — |  |  | — |  |  | — |  |
Balance at June 30 | $ | 1,961 |  |  | $ | 1,961 |  |  | $ | 1,961 |  |

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