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Income Taxes Income Taxes (Tables) | 12 Months Ended
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Jun. 30, 2017
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,
2017 |  | 2016 |  | 2015 |
Current: |  |  |  |  |  |
| Federal | $ | 1,718 |  |  | $ | 3,801 |  |  | $ | 5,365 |  |
| State | 697 |  |  | 1,354 |  |  | 1,877 |  |
| 2,415 |  |  | 5,155 |  |  | 7,242 |  |
Deferred: |  |  |  |  |  |
| Federal | 937 |  |  | 183 |  |  | 17 |  |
| State | 257 |  |  | 34 |  |  | 18 |  |
| 1,194 |  |  | 217 |  |  | 35 |  |
Provision for income taxes | $ | 3,609 |  |  | $ | 5,372 |  |  | $ | 7,277 |  |
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,
2017 | 2016 | 2015
(In Thousands) | Amount |  | Tax Rate | Amount | Tax Rate | Amount | Tax Rate
Federal income tax at statutory rate | $ | 2,988 |  |  | 33.9 | % | $ | 4,496 |  |  | 35.0 | % | $ | 5,892 |  |  | 34.5 | %
State income tax | 629 |  |  | 7.1 | % | 902 |  |  | 7.0 | % | 1,239 |  |  | 7.3 | %
Changes in taxes resulting from: |  |  |  |  |  |  |  |  |
| Bank-owned life insurance | (57 | ) |  | (0.7 | )% | (65 | ) |  | (0.5 | )% | (65 | ) |  | (0.4 | )%
| Non-deductible expenses | 43 |  |  | 0.5 | % | 45 |  |  | 0.4 | % | 43 |  |  | 0.3 | %
| Non-deductible stock-based compensation | 6 |  |  | 0.1 | % | (6 | ) |  | (0.1 | )% | 139 |  |  | 0.8 | %
| Other | — |  |  | — | % | — |  |  | — | % | 29 |  |  | 0.1 | %
Effective income tax | $ | 3,609 |  |  | 40.9 | % | $ | 5,372 |  |  | 41.8 | % | $ | 7,277 |  |  | 42.6 | %
Schedule of Deferred Tax Assets and Liabilities | Deferred tax assets at June 30, 2017 and 2016 by jurisdiction were as follows:
(In Thousands) | June 30,
2017 |  | 2016 |
Deferred taxes - federal | $ | 3,150 |  |  | $ | 4,032 |  |
Deferred taxes - state | 1,106 |  |  | 1,357 |  |
Total net deferred tax assets | $ | 4,256 |  |  | $ | 5,389 |  |
Net deferred tax assets at June 30, 2017 and 2016 were comprised of the following:
(In Thousands) | June 30,
2017 |  | 2016 |
Loss reserves | $ | 4,829 |  |  | $ | 5,185 |  |
Non-accrued interest | 668 |  |  | 635 |  |
Deferred compensation | 3,325 |  |  | 3,535 |  |
Accrued vacation | 293 |  |  | 385 |  |
Depreciation | 181 |  |  | 41 |  |
Other | 961 |  |  | 644 |  |
| Total deferred tax assets | 10,257 |  |  | 10,425 |  |
FHLB - San Francisco stock dividends | (956 | ) |  | (956 | ) |
Unrealized gain on derivative financial instruments, at fair value | (657 | ) |  | (270 | ) |
Unrealized gain on investment securities | (153 | ) |  | (207 | ) |
Unrealized gain on interest-only strips | (13 | ) |  | (20 | ) |
Deferred loan costs | (4,078 | ) |  | (3,555 | ) |
State tax | (144 | ) |  | (28 | ) |
| Total deferred tax liabilities | (6,001 | ) |  | (5,036 | ) |
| Net deferred tax assets | $ | 4,256 |  |  | $ | 5,389 |  |
Schedule of Unrecognized Tax Benefits | A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended June 30, 2017, 2016 and 2015 is as follows:
(In Thousands) | 2017 | 2016 | 2015
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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