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Loans (Tables)

12 Months Ended

Jun. 30, 2019

Receivables [Abstract]

Schedule of loan portfolio

(in thousands)		2019				2018
Residential real estate
One- to four-family		$	216,066			$	206,908
Multi-family			15,928				15,113
Construction			3,757				2,919
Land			852				677
Farm			3,157				2,295
Nonresidential real estate			30,419				32,413
Commercial and industrial			2,075				1,917
Consumer and other
Loans on deposits			1,415				1,470
Home equity			8,214				7,603
Automobile			91				63
Unsecured			451				508
			282,425				271,886
Allowance for loan losses			(1,456	)			(1,576	)
		$	280,969			$	270,310

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

June 30, 2019:

(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		$	3,837			$	949			$	4,786			$	--			$	--			$	--
Multi-family			685				--				685				--				--				--
Farm			309				--				309				--				--				--
Nonresidential real estate			683				--				683				--				--				--
			5,514				949				6,463				--				--				--
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family										$	210,595			$	685			$	--			$	685
Multi-family											15,928				200				--				200
Construction											3,757				6				--				6
Land											852				1				--				1
Farm											2,848				6				--				6
Nonresidential real estate											29,736				336				--				336
Commercial and industrial											2,075				5				--				5
Consumer and other
Loans on deposits											1,415				3				--				3
Home equity											8,214				14				--				14
Automobile											91				--				--				--
Unsecured											451				--				--				--
Unallocated											--				--				200				200
											275,962				1,256				200				1,456
										$	282,425			$	1,256			$	200			$	1,456

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

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
Multi-family										$	202,793			$	795			$	--			$	795
Construction											15,113				225				--				225
Land											2,919				8				--				8
Farm											677				1				--				1
Nonresidential real estate											1,985				6				--				6
Commercial and industrial											32,291				321				--				321
Consumer and other											1,917				3				--				3
Loans on deposits
Home equity											1,470				3				--				3
Automobile											7,603				13				--				13
Unsecured											63				--				--				--
Unallocated											508				1				--				1
											--				--				200				200
											267,339				1,376				200				1,576
										$	271,886			$	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.

Schedule of impaired loans by class of loans

June 30, 2019:

(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		$	4,786			$	--			$	4,449			$	226			$	226
Multi-family			685				--				343				26				26
Farm			309				--				310				--				--
Nonresidential real estate			683				--				403				7				7
Total		$	6,463			$	--			$	5,505			$	259			$	259

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

Schedule of recorded investment in nonaccrual and loans

		June 30, 2019								June 30, 2018
(in thousands)		Nonaccrual				Loans Past Due Over 90 Days Still Accruing				Nonaccrual				Loans Past Due Over 90 Days Still Accruing
Residential real estate:
One- to four-family		$	4,545			$	1,747			$	4,210			$	2,419
Multi-family			685				--				--				--
Farm			309				--				310				--
Nonresidential real estate			683				49				708				--
Commercial and industrial			1				--				7				--
Consumer			9				--				11				--
		$	6,232			$	1,796			$	5,246			$	2,419

Schedule of loans acquired with deteriorated credit quality

June 30, 2019:

(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		$	4,021			$	3,479			$	7,500			$	208,566			$	216,066
Multi-family			--				248				248				15,680				15,928
Construction			753				--				753				3,004				3,757
Land			--				--				--				852				852
Farm			2				--				2				3,155				3,157
Nonresidential real estate			362				49				411				30,008				30,419
Commercial and industrial			--				--				--				2,075				2,075
Consumer and other:
Loans on deposits			--				--				--				1,415				1,415
Home equity			38				--				38				8,176				8,214
Automobile			8				--				8				83				91
Unsecured			--				--				--				451				451
Total		$	5,184			$	3,776			$	8,960			$	273,465			$	282,425

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			$	199,675			$	206,908
Multi-family			792				--				792				14,321				15,113
Construction			--				--				--				2,919				2,919
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			$	263,575			$	271,886

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

June 30, 2019:
(in thousands)		Pass				Special Mention				Substandard				Doubtful				Not rated
Residential real estate:
One- to four-family		$	--			$	894			$	8,683			$	--			$	206,489
Multi-family			15,243				--				685				--				--
Construction			3,757				--				--				--				--
Land			852				--				--				--				--
Farm			2,848				--				309				--				--
Nonresidential real estate			28,990				746				683				--				--
Commercial and industrial			1,584				--				491				--				--
Consumer and other:
Loans on deposits			1,415				--				--				--				--
Home equity			8,053				137				24				--				--
Automobile			91				--				--				--				--
Unsecured			446				--				5				--				--
Total		$	63,279			$	1,777			$	10,880			$	--			$	206,489

June 30, 2018:
(in thousands)		Pass				Special Mention				Substandard				Doubtful				Not rated
Residential real estate:
One- to four-family		$	--			$	1,093			$	10,215			$	--			$	195,600
Multi-family			14,445				--				668				--				--
Construction			2,919				--				--				--				--
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		$	63,278			$	1,093			$	11,915			$	--			$	195,600

Schedule of allowance for loan losses by portfolio segment

(in thousands)		Beginning balance				Provision for loan losses				Loans charged off				Recoveries				Ending balance
Residential real estate:
One- to four-family		$	795			$	41			$	(190	)		$	39			$	685
Multi-family			225				(25	)			--				--				200
Construction			8				(2	)			--				--				6
Land			1				--				--				--				1
Farm			6				--				--				--				6
Nonresidential real estate			321				15				--				--				336
Commercial and industrial			3				2				--				--				5
Consumer and other:
Loans on deposits			3				--				--				--				3
Home equity			13				1				--				--				14
Unsecured			1				(21	)			--				20				--
Unallocated			200				--				--				--				200
Totals		$	1,576			$	11			$	(190	)		$	59			$	1,456

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

Schedule of purchased loans

(in thousands)		2019				2018
Residential real estate:
One- to four-family		$	949			$	1,138

Schedule of accretable yield, or income expected to be collected

(in thousands)		2019				2018
Balance at beginning of year		$	634			$	720
Accretion of income			(90	)			(86	)
Balance at end of year		$	544			$	634

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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The entire tabular disclosure of the undiscounted sum of all amounts, including amounts deemed principal, interest, fees, penalties, and other under the loan, owed to the investor at the reporting date.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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