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Consolidated Statements of Operations - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Interest income:        
Loans receivable, net $ 7,920 $ 8,344 $ 16,095 $ 17,261
Investment securities 433 448 851 926
FHLB - San Francisco stock 123 100 245 200
Interest-earning deposits 35 17 66 41
Total interest income 8,511 8,909 17,257 18,428
Interest expense:        
Checking and money market deposits 58 79 115 170
Savings deposits 45 54 86 132
Time deposits 199 335 414 717
Borrowings 546 803 1,091 1,605
Total interest expense 848 1,271 1,706 2,624
Net interest income 7,663 7,638 15,551 15,804
(Recovery) provision for loan losses (1,067) 39 (1,406) 259
Net interest income, after (recovery) provision for loan losses 8,730 7,599 16,957 15,545
Non-interest income:        
Loan servicing and other fees 444 120 630 525
Other 200 157 366 237
Total non-interest income 1,368 974 2,437 2,133
Non-interest expense:        
Salaries and employee benefits [1] 4,455 4,301 7,575 8,744
Premises and occupancy 758 865 1,663 1,768
Equipment expense 314 273 602 548
Professional expense 348 402 809 816
Sales and marketing expense 149 227 291 340
Deposit insurance premium and regulatory assessments 136 141 273 275
Other 739 707 1,354 1,410
Total non-interest expense 6,899 6,916 12,567 13,901
Income before income taxes 3,199 1,657 6,827 3,777
Provision for income taxes 935 481 1,896 1,116
Net income $ 2,264 $ 1,176 $ 4,931 $ 2,661
Basic earnings per share $ 0.30 $ 0.16 $ 0.66 $ 0.36
Diluted earnings per share 0.30 0.16 0.65 0.36
Cash dividends per share $ 0.14 $ 0.14 $ 0.28 $ 0.28
Deposit related fees        
Non-interest income:        
Total non-interest income $ 325 $ 329 $ 637 $ 639
Card and processing fees        
Non-interest income:        
Total non-interest income $ 399 $ 368 $ 804 $ 732
[1] Includes a $1.2 million credit from the Employee Retention Tax Credit for the six months ended December 31, 2021.