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Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 3 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Operating Activities    
Net income $ 633 $ 466
Items not requiring (providing) cash    
Depreciation 154 177
Provision for credit losses on loans 377 222
Accretion of premiums and discounts on securities (30) (66)
Deferred income taxes (37) 116
Net realized gains on loan sales (97) (72)
Net realized losses on sales of available-for-sale securities 71 0
Nontaxable bank-owned life insurance income, net (113) (101)
Originations of loans held for sale (4,629) (3,539)
Proceeds from sales of loans held for sale 4,851 3,502
ESOP compensation expense 85 73
Stock equity plan expense 49 90
Changes in    
Accrued interest receivable (366) (442)
Other assets 1,149 1,908
Accrued interest payable (253) 1,071
Post-retirement benefit obligation 0 8
Other liabilities 322 (2,412)
Net cash provided by operating activities 2,166 1,001
Investing Activities    
Purchases of available-for-sale securities (4,353) 0
Proceeds from the sales of available-for-sale securities 4,665 0
Proceeds from maturities and pay downs of available-for-sale securities 4,120 3,091
Net change in loans (8,144) (27,402)
Purchase of premises and equipment (72) (93)
Proceeds from the sale of foreclosed assets 0 3
Purchase of Federal Home Loan Bank stock (427) (1,637)
Redemption of Federal Home Loan Bank stock 168 0
Net cash used in investing activities (4,043) (26,038)
Financing Activities    
Net decrease in demand deposits, money market, NOW and savings accounts (44,388) (61,444)
Net increase (decrease) in certificates of deposit, including brokered certificates (5,630) 13,278
Net decrease in advances from borrowers for taxes and insurance (458) (454)
Proceeds from Federal Home Loan Bank advances 216,000 203,500
Repayments of Federal Home Loan Bank advances (165,500) (132,500)
Proceeds from other borrowings 23,100 0
Repayments of other borrowings (23,175) 0
Net increase in repurchase agreements 141 5,251
Net cash provided by financing activities 90 27,631
Net Increase (Decrease) in Cash and Cash Equivalents (1,787) 2,594
Cash and Cash Equivalents, Beginning of Period 9,571 10,988
Cash and Cash Equivalents, End of Period 7,784 13,582
Supplemental Cash Flows Information    
Interest paid 6,345 3,637
Income taxes paid (net of refunds) 0 45
Dividends payable $ 670 $ 672