XML 53 R43.htm IDEA: XBRL DOCUMENT v3.23.1
Loans Held for Investment - Schedule of Allowance For Loan Losses and Recorded Investment in Gross Loans, by Portfolio Type (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Mar. 31, 2023
Mar. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 5,830 $ 6,608 $ 5,564 $ 7,587
Provision (recovery) for loan losses 169 (645) 430 (2,051)
Recoveries 2 6 7 433
Charge-offs 0 0 0 0
Net recoveries (charge-offs) 2 6 7 433
Allowance for loan losses, end of the year 6,001 5,969 6,001 5,969
Individually evaluated for allowances 38 51 38 51
Collectively evaluated for allowances 5,963 5,918 5,963 5,918
Individually evaluated for allowances 804 1,549 804 1,549
Collectively evaluated for allowances 1,073,356 890,902 1,073,356 890,902
Total Loans Held for Investment, Gross $ 1,074,160 $ 892,451 $ 1,074,160 $ 892,451
Allowance for loan losses as a percentage of gross loans held for investment 0.56% 0.66% 0.56% 0.66%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period 0.00% 0.00% 0.00% (0.07%)
Allowance for loan losses as a percentage of gross non-performing loans 584.32% 268.15% 584.32% 268.15%
Mortgage loans, Single-family        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 1,600 $ 1,396 $ 1,383 $ 2,000
Provision (recovery) for loan losses 127 (64) 339 (1,095)
Recoveries 2 6 7 433
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 1,729 1,338 1,729 1,338
Individually evaluated for allowances 38 51 38 51
Collectively evaluated for allowances 1,691 1,287 1,691 1,287
Individually evaluated for allowances 804 1,549 804 1,549
Collectively evaluated for allowances 511,828 326,112 511,828 326,112
Total Loans Held for Investment, Gross $ 512,632 $ 327,661 $ 512,632 $ 327,661
Allowance for loan losses as a percentage of gross loans held for investment 0.34% 0.41% 0.34% 0.41%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period   (0.01%)   (0.20%)
Mortgage Loans, Multi Family        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 3,300 $ 4,219 $ 3,282 $ 4,485
Provision (recovery) for loan losses 7 (544) 25 (810)
Recoveries 0 0 0  
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 3,307 3,675 3,307 3,675
Collectively evaluated for allowances 3,307 3,675 3,307 3,675
Collectively evaluated for allowances 466,332 468,656 466,332 468,656
Total Loans Held for Investment, Gross $ 466,332 $ 468,656 $ 466,332 $ 468,656
Allowance for loan losses as a percentage of gross loans held for investment 0.71% 0.78% 0.71% 0.78%
Mortgage loans, Commercial real estate        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 847 $ 915 $ 816 $ 1,006
Provision (recovery) for loan losses 21 (45) 52 (136)
Recoveries 0 0 0  
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 868 870 868 870
Collectively evaluated for allowances 868 870 868 870
Collectively evaluated for allowances 90,496 91,344 90,496 91,344
Total Loans Held for Investment, Gross $ 90,496 $ 91,344 $ 90,496 $ 91,344
Allowance for loan losses as a percentage of gross loans held for investment 0.96% 0.95% 0.96% 0.95%
Construction        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 17 $ 55 $ 23 $ 51
Provision (recovery) for loan losses 4 4 (2) 8
Recoveries 0 0 0  
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 21 59 21 59
Collectively evaluated for allowances 21 59 21 59
Collectively evaluated for allowances 2,891 4,127 2,891 4,127
Total Loans Held for Investment, Gross $ 2,891 $ 4,127 $ 2,891 $ 4,127
Allowance for loan losses as a percentage of gross loans held for investment 0.73% 1.43% 0.73% 1.43%
Mortgage Loans Other        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 3 $ 3 $ 3 $ 3
Provision (recovery) for loan losses (1)   (1)  
Recoveries 0 0 0  
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 2 3 2 3
Collectively evaluated for allowances 2 3 2 3
Collectively evaluated for allowances 108 131 108 131
Total Loans Held for Investment, Gross $ 108 $ 131 $ 108 $ 131
Allowance for loan losses as a percentage of gross loans held for investment 1.85% 2.29% 1.85% 2.29%
Commercial business loans        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 58 $ 15 $ 52 $ 36
Provision (recovery) for loan losses 12 5 18 (16)
Recoveries 0 0 0  
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 70 20 70 20
Collectively evaluated for allowances 70 20 70 20
Collectively evaluated for allowances 1,640 459 1,640 459
Total Loans Held for Investment, Gross $ 1,640 $ 459 $ 1,640 $ 459
Allowance for loan losses as a percentage of gross loans held for investment 4.27% 4.36% 4.27% 4.36%
Consumer loans        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Allowance for loan losses, beginning of the year $ 5 $ 5 $ 5 $ 6
Provision (recovery) for loan losses (1) (1) (1) (2)
Recoveries 0 0 0  
Charge-offs 0 0 0  
Allowance for loan losses, end of the year 4 4 4 4
Collectively evaluated for allowances 4 4 4 4
Collectively evaluated for allowances 61 73 61 73
Total Loans Held for Investment, Gross $ 61 $ 73 $ 61 $ 73
Allowance for loan losses as a percentage of gross loans held for investment 6.56% 5.48% 6.56% 5.48%