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Condensed Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2020
Dec. 31, 2019
Interest and Dividend Income        
Interest and fees on loans $ 5,366 $ 5,794 $ 10,719 $ 11,691
Securities:        
Taxable 803 911 1,643 1,830
Tax-exempt 9 23 20 53
Federal Home Loan Bank dividends 38 13 72 36
Deposits with other financial institutions 22 48 49 187
Total interest and dividend income 6,238 6,789 12,503 13,797
Interest Expense        
Deposits 1,073 2,219 2,308 4,502
Borrowings and repurchase agreements 115 229 257 368
Total interest expense 1,188 2,448 2,565 4,870
Net Interest Income 5,050 4,341 9,938 8,927
Provision (Credit) for Loan Losses (49) (30) 266 (84)
Net Interest Income After Provision for Loan Losses 5,099 4,371 9,672 9,011
Noninterest Income        
Insurance commissions 169 192 329 354
Brokerage commissions 231 234 456 469
Gain (loss) on sales of available-for-sale securities   (8) 204 (7)
Mortgage banking income, net 103 116 193 161
Gain on sale of loans 484 144 1,047 284
Bank-owned life insurance income, net 69 69 139 139
Other 230 294 487 542
Total noninterest income 1,463 1,223 3,214 2,291
Noninterest Expense        
Compensation and benefits 2,978 2,706 5,855 5,371
Office occupancy 217 242 446 497
Equipment 422 387 845 773
Federal deposit insurance 46   90 28
Stationary, printing and office 20 26 53 56
Advertising 136 97 220 218
Professional services 152 155 252 271
Supervisory examinations 38 41 73 85
Audit and accounting services 18 18 91 87
Organizational dues and subscriptions 20 19 42 38
Insurance bond premiums 38 37 87 78
Telephone and postage 44 48 94 98
Loss (gain) on foreclosed assets, net (19)   (10) 2
Other 418 482 871 849
Total noninterest expense 4,528 4,258 9,009 8,451
Income Before Income Tax 2,034 1,336 3,877 2,851
Provision for Income Tax 571 372 1,083 787
Net Income $ 1,463 $ 964 $ 2,794 $ 2,064
Earnings Per Share:        
Basic $ 0.48 $ 0.32 $ 0.92 $ 0.65
Diluted $ 0.48 $ 0.31 0.91 0.64
Dividends declared per common share     $ 0.15 $ 0.15
Customer Service Fees [Member]        
Noninterest Income        
Noninterest income $ 74 $ 95 $ 141 $ 197
Other Service Charges and Fees [Member]        
Noninterest Income        
Noninterest income $ 103 $ 87 $ 218 $ 152