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Loans (Tables)

12 Months Ended

Jun. 30, 2018

Loans [Abstract]

Schedule of loan portfolio

	(in thousands)		2018				2017
	Residential real estate
	One- to four-family		$	207,075			$	197,936
	Multi-family			15,113				15,678
	Construction			5,055				2,398
	Land			677				1,304
	Farm			2,295				2,062
	Nonresidential real estate			32,413				29,211
	Commercial and industrial			1,917				2,540
	Consumer and other
	Loans on deposits			1,470				1,607
	Home equity			7,603				6,853
	Automobile			63				42
	Unsecured			508				400
				274,189				260,031
	Undisbursed portion of loans in process			(2,136	)			(296	)
	Deferred loan origination costs, net			(167	)			42
	Allowance for loan losses			(1,576	)			(1,533	)
			$	270,310			$	258,244

Schedule of allowance for loan losses and the recorded investment in loans by portfolio

June 30, 2018:
(in thousands)		Loans individually evaluated				Loans acquired with deteriorated credit quality*				Ending loans balance				Ending allowance attributed to loans				Unallocated allowance				Total allowance
Loans individually evaluated for impairment:
Residential real estate:
One- to four-family		$	2,977			$	1,138			$	4,115			$	--			$	--			$	--
Farm			310				--				310
Nonresidential real estate			122				--				122				--				--				--
			3,409				1,138				4,547				--				--				--
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family										$	202,960			$	795			$	--			$	795
Multi-family											15,113				225				--				225
Construction											5,055				8				--				8
Land											677				1				--				1
Farm											1,985				6				--				6
Nonresidential real estate											32,291				321				--				321
Commercial and industrial											1,917				3				--				3
Consumer and other
Loans on deposits											1,470				3				--				3
Home equity											7,603				13				--				13
Automobile											63				--				--				--
Unsecured											508				1				--				1
Unallocated											--				--				200				200
											269,642				1,376				200				1,576
										$	274,189			$	1,376			$	200			$	1,576

* These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration since acquisition.

June 30, 2017:
(in thousands)		Loans individually evaluated				Loans acquired with deteriorated credit quality*				Ending loans balance				Ending allowance attributed to loans				Unallocated allowance				Total allowance
Loans individually evaluated for impairment:
Residential real estate:
One- to four-family		$	3,706			$	1,676			$	5,382			$	--			$	--			$	--
Nonresidential real estate			131				--				131				--				--				--
			3,837				1,676				5,513				--				--				--
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family										$	192,554			$	773			$	--			$	773
Multi-family											15,678				243				--				243
Construction											2,398				6				--				6
Land											1,304				4				--				4
Farm											2,062				9				--				9
Nonresidential real estate											29,080				270				--				270
Commercial and industrial											2,540				6				--				6
Consumer and other
Loans on deposits											1,607				4				--				4
Home equity											6,853				17				--				17
Automobile											42				--				--				--
Unsecured											400				1				--				1
Unallocated											--				--				200				200
											254,518				1,333				200				1,533
										$	260,031			$	1,333			$	200			$	1,533

* These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration since acquisition.

Schedule of impaired loans by class of loans

June 30, 2018:

(in thousands)		Unpaid Principal Balance and Recorded Investment				Allowance for Loan Losses Allocated				Average Recorded Investment				Interest Income Recognized				Cash Basis Income Recognized
With no related allowance recorded:
Residential real estate:
One- to four-family		$	4,115			$	--			$	4,507			$	97			$	71
Farm			310				--				310
Nonresidential real estate			122				--				122				--				--
Total		$	4,547			$	--			$	4,939			$	97			$	71

June 30, 2017:

(in thousands)		Unpaid Principal Balance and Recorded Investment				Allowance for Loan Losses Allocated				Average Recorded Investment				Interest Income Recognized				Cash Basis Income Recognized
With no related allowance recorded:
Residential real estate:
One- to four-family		$	5,382			$	--			$	5,653			$	71			$	71
Nonresidential real estate			131				--				131				--				--
Consumer and other
Unsecured			--				--				7				--				--
Total		$	5,513			$	--			$	5,784			$	71			$	71

Schedule of recorded investment in nonaccrual and loans

			June 30, 2018								June 30, 2017
	(in thousands)		Nonaccrual				Loans Past Due Over 90 Days Still Accruing				Nonaccrual				Loans Past Due Over 90 Days Still Accruing
	One- to four-family residential real estate		$	4,210			$	2,419			$	4,870			$	1,770
	Farm			310				--
	Nonresidential real estate			708				--				151				--
	Commercial and industrial			7				--
	Consumer			11				--				8				11
			$	5,246			$	2,419			$	5,029			$	1,781

Schedule of loans acquired with deteriorated credit quality

June 30, 2018:

(in thousands)		30-89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate:
One-to four-family		$	3,182			$	4,051			$	7,233			$	199,842			$	207,075
Multi-family			792				--				792				14,321				15,113
Construction			--				--				--				5,055				5,055
Land			--				--				--				677				677
Farm			--				--				--				2,295				2,295
Nonresidential real estate			--				269				269				32,144				32,413
Commercial and industrial			--				--				--				1,917				1,917
Consumer and other:
Loans on deposits			--				--				--				1,470				1,470
Home equity			9				5				14				7,589				7,603
Automobile			--				--				--				63				63
Unsecured			3				--				3				505				508
Total		$	3,986			$	4,325			$	8,311			$	265,878			$	274,189

June 30, 2017:

(in thousands)		30-89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate:
One-to four-family		$	5,193			$	4,496			$	9,689			$	188,247			$	197,936
Multi-family			--				--				--				15,678				15,678
Construction			--				--				--				2,398				2,398
Land			--				--				--				1,304				1,304
Farm			539				--				539				1,523				2,062
Nonresidential real estate			635				133				768				28,443				29,211
Commercial and industrial			--				--				--				2,540				2,540
Consumer and other:
Loans on deposits			--				--				--				1,607				1,607
Home equity			17				11				28				6,825				6,853
Automobile			--				--				--				42				42
Unsecured			13				--				13				387				400
Total		$	6,397			$	4,640			$	11,037			$	248,994			$	260,031

Schedule of analysis performed, the risk category of loans by class of loans

June 30, 2018:
(in thousands)		Pass				Special Mention				Substandard				Doubtful				Not rated
Residential real estate:
One- to four-family		$	--			$	1,093			$	10,215			$	--			$	195,767
Multi-family			14,445				--				668				--				--
Construction			5,055				--				--				--				--
Land			677				--				--				--				--
Farm			1,985				--				310				--				--
Nonresidential real estate			31,700				--				713				--				--
Commercial and industrial			1,910				--				7				--				--
Consumer and other:
Loans on deposits			1,470				--				--				--				--
Home equity			7,603				--				--				--				--
Automobile			63				--				--				--				--
Unsecured			506				--				2				--				--
Total		$	65,414			$	1,093			$	11,915			$	--			$	195,767

June 30, 2017:
(in thousands)		Pass				Special Mention				Substandard				Doubtful				Not rated
Residential real estate:
One- to four-family		$	--			$	6,110			$	9,883			$	--			$	181,943
Multi-family			14,541				--				1,137				--				--
Construction			2,398				--				--				--				--
Land			1,304				--				--				--				--
Farm			1,523				--				539				--				--
Nonresidential real estate			29,061				--				150				--				--
Commercial and industrial			2,513				27				--				--				--
Consumer and other:
Loans on deposits			1,607				--				--				--				--
Home equity			6,744				93				16				--				--
Automobile			42				--				--				--				--
Unsecured			396				--				4				--				--
Total		$	60,129			$	6,230			$	11,729			$	--			$	181,943

Schedule of allowance for loan losses by portfolio segment

June 30, 2018:

(in thousands)		Beginning balance				Provision for loan losses				Loans charged off				Recoveries				Ending balance
Residential real estate:
One- to four-family		$	773			$	164			$	(240	)		$	98			$	795
Multi-family			243				(18	)			--				--				225
Construction			6				2				--				--				8
Land			4				(3	)			--				--				1
Farm			9				(3	)			--				--				6
Nonresidential real estate			270				51				--				--				321
Commercial and industrial			6				(3	)			--				--				3
Consumer and other:
Loans on deposits			4				(1	)			--				--				3
Home equity			17				(4	)			--				--				13
Unsecured			1				--				--				--				1
Unallocated			200				--				--				--				200
Totals		$	1,533			$	185			$	(240	)		$	98			$	1,576

June 30, 2017:

(in thousands)		Beginning balance				Provision for loan losses				Loans charged off				Recoveries				Ending balance
Residential real estate:
One- to four-family		$	862			$	132			$	(226	)		$	5			$	773
Multi-family			192				51				--				--				243
Construction			5				1				--				--				6
Land			2				2				--				--				4
Farm			3				6				--				--				9
Nonresidential real estate			217				53				--				--				270
Commercial and industrial			18				(12	)			--				--				6
Consumer and other:
Loans on deposits			4				--				--				--				4
Home equity			11				6				--				--				17
Unsecured			1				3				(5	)			2				1
Unallocated			200				--				--				--				200
Totals		$	1,515			$	242			$	(231	)		$	7			$	1,533

Schedule of purchased loans

	(in thousands)		2018				2017
	Residential real estate:
	One- to four-family		$	1,138			$	1,676

Schedule of accretable yield, or income expected to be collected

	(in thousands)		2018				2017
	Balance at beginning of year		$	720			$	981
	Accretion of income			(86	)			(159	)
	Reclassifications from nonaccretable difference			--				60
	Disposals			--				(162	)
	Balance at end of year		$	634			$	720

X

- Definition

The tabular disclosure of the aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan for loans accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.

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