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Consolidated Balance Sheets - USD ($)
$ in Thousands
Jun. 30, 2020
Jun. 30, 2019
Assets    
Cash and due from banks $ 31,529 $ 57,994
Interest-bearing demand deposits 1,938 1,606
Cash and cash equivalents 33,467 59,600
Interest-bearing time deposits in banks 3,000 3,000
Available-for-sale securities 162,394 146,291
Loans, net of allowance for loan losses of $6,234 and $6,328 at June 30, 2020 and 2019, respectively 509,817 487,774
Premises and equipment, net of accumulated depreciation of $8,016 and $7,345 at June 30, 2020 and 2019, respectively 10,193 10,706
Federal Home Loan Bank stock, at cost 3,028 1,174
Foreclosed assets held for sale 386 778
Accrued interest receivable 1,908 2,142
Bank-owned life insurance 9,345 9,072
Mortgage servicing rights 715 853
Deferred income taxes 630 2,066
Other 634 414
Total assets 735,517 723,870
Deposits    
Demand 87,486 80,442
Savings, NOW and money market 232,723 196,296
Certificates of deposit 269,152 290,761
Brokered certificates of deposit 12,339 39,524
Total deposits 601,700 607,023
Repurchase agreements 3,738 2,015
Federal Home Loan Bank advances 34,500 24,000
Line of credit and other borrowings 3,000  
Advances from borrowers for taxes and insurance 519 747
Accrued post-retirement benefit obligation 3,306 2,919
Accrued interest payable 537 801
Other 5,653 3,904
Total liabilities 652,953 641,409
Commitments and Contingencies
Stockholders' Equity    
Common stock, $.01 par value, 100,000,000 shares authorized, 3,240,376 and 3,578,252 shares issued and outstanding at June 30, 2020 and 2019, respectively 32 36
Additional paid-in capital 49,239 48,813
Unearned ESOP shares, at cost, 211,695 and 230,940 shares at June 30, 2020 and 2019, respectively (2,117) (2,309)
Retained earnings 31,207 35,356
Accumulated other comprehensive income, net of tax 4,203 565
Total stockholders' equity 82,564 82,461
Total liabilities and stockholders' equity $ 735,517 $ 723,870