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Condensed Consolidated Balance Sheets - USD ($)
Mar. 31, 2024
Jun. 30, 2023
Assets    
Cash and due from banks $ 15,885,000 $ 10,717,000
Interest-bearing demand deposits 175,000 271,000
Cash and cash equivalents 16,060,000 10,988,000
Interest-bearing time deposits in banks 750,000 1,250,000
Available-for-sale securities 195,257,000 201,299,000
Loans, net of allowance for credit losses of $7,725 and $7,139 at March 31, 2024 and June 30, 2023, respectively 643,326,000 587,457,000
Premises and equipment, net of accumulated depreciation of $9,105 and $9,212 at March 31, 2024 and June 30, 2023, respectively 10,683,000 11,092,000
Federal Home Loan Bank stock, at cost 5,419,000 3,127,000
Foreclosed assets held for sale 7,000 31,000
Accrued interest receivable 3,749,000 2,781,000
Bank-owned life insurance 15,079,000 14,761,000
Mortgage servicing rights 1,454,000 1,482,000
Deferred income taxes 10,846,000 11,037,000
Other 2,359,000 3,671,000
Total assets 904,989,000 848,976,000
Deposits    
Demand 43,205,000 107,567,000
Savings, NOW and money market 315,980,000 344,151,000
Certificates of deposit 293,603,000 264,058,000
Brokered certificates of deposit 29,000,000 19,538,000
Total deposits 681,788,000 735,314,000
Repurchase agreements 18,182,000 10,787,000
Federal Home Loan Bank advances 95,999,000 19,500,000
Other borrowings 25,300,000 0
Advances from borrowers for taxes and insurance 1,331,000 1,233,000
Accrued post-retirement benefit obligation 2,448,000 2,431,000
Accrued interest payable 2,762,000 1,666,000
Allowance for credit losses on off-balance sheet credit exposures 44,000 216,000
Other 4,751,000 6,076,000
Total liabilities 832,605,000 777,223,000
Commitments and Contingencies
Stockholders' Equity    
Common stock, $.01 par value per share, 100,000,000 shares authorized, 3,353,026 and 3,354,626 shares issued and outstanding at March 31, 2024 and June 30, 2023, respectively 33,000 33,000
Additional paid-in capital 51,833,000 51,543,000
Unearned ESOP shares, at cost, 139,527 and 153,960 shares at March 31, 2024 and June 30, 2023, respectively (1,395,000) (1,540,000)
Retained earnings 43,414,000 43,365,000
Accumulated other comprehensive loss, net of tax (21,501,000) (21,648,000)
Total stockholders' equity 72,384,000 71,753,000
Total liabilities and stockholders' equity $ 904,989,000 $ 848,976,000