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Loans Receivable (Tables)

3 Months Ended

Sep. 30, 2019

Receivables [Abstract]

Schedule of loan portfolio

		September 30,				June 30,
(in thousands)		2019				2019
Residential real estate
One- to four-family		$	215,384			$	216,066
Multi-family			15,545				15,928
Construction			3,927				3,757
Land			1,099				852
Farm			3,135				3,157
Nonresidential real estate			30,513				30,419
Commercial nonmortgage			1,942				2,075
Consumer and other:
Loans on deposits			1,259				1,415
Home equity			7,644				8,214
Automobile			95				91
Unsecured			539				451
			281,083				282,425
Allowance for loan losses			(1,450	)			(1,456	)
		$	279,633			$	280,969

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		$	685			$	66			$	65			$	--			$	686
Multi-family			200				(7	)			--				--				193
Construction			6				--				--				--				6
Land			1				--				--				--				1
Farm			6				--				--				--				6
Nonresidential real estate			336				3				--				--				339
Commercial nonmortgage			5				--				--				--				5
Consumer and other:
Loans on deposits			3				(1	)			--				--				2
Home equity			14				(2	)			--				--				12
Automobile			--				--				--				--				--
Unsecured			--				--				--				--				--
Unallocated			200				--				--				--				200
Totals		$	1,456			$	59			$	65			$	--			$	1,450

(in thousands)		Beginning balance				Provision for loan losses				Loans charged off				Recoveries				Ending balance
Residential real estate:
One- to four-family		$	795			$	22			$	(59	)		$	23			$	781
Multi-family			225				7				--				--				232
Construction			8				(4	)			--				--				4
Land			1				--				--				--				1
Farm			6				--				--				--				6
Nonresidential real estate			321				2				--				--				323
Commercial nonmortgage			3				1				--				--				4
Consumer and other:
Loans on deposits			3				--				--				--				3
Home equity			13				3				--				--				16
Automobile			--				--				--				--				--
Unsecured			1				(20	)			--				20				1
Unallocated			200				--				--				--				200
Totals		$	1,576			$	11			$	(59	)		$	43			$	1,571

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

September 30, 2019:

(in thousands)		Loans individually evaluated				Loans acquired with deteriorated credit quality				Unpaid principal balance and recorded investment				Ending allowance attributed to loans				Unallocated allowance				Total allowance
Loans individually evaluated for impairment:
Residential real estate:
One- to four-family		$	3,553			$	902			$	4,455			$	--			$	--			$	--
Multi-family			681				--				681				--				--				--
Farm			310				--				310				--				--				--
Nonresidential real estate			727				--				727				--				--				--
			5,271				902				6,173				--				--				--
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family										$	210,929			$	686			$	--			$	686
Multi-family											14,864				193				--				193
Construction											3,927				6				--				6
Land											1,099				1				--				1
Farm											2,825				6				--				6
Nonresidential real estate											29,786				339				--				339
Commercial nonmortgage											1,942				5				--				5
Consumer:
Loans on deposits											1,259				2				--				2
Home equity											7,644				12				--				12
Automobile											95				--				--				--
Unsecured											539				--				--				--
Unallocated											--				--				200				200
											274,910				1,250				200				1,450
										$	281,083			$	1,250			$	200			$	1,450

June 30, 2019:
(in thousands)		Loans individually evaluated				Loans acquired with deteriorated credit quality				Unpaid principal balance and recorded investment				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 nonmortgage											2,075				5				--				5
Consumer:
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

Schedule of impaired loans by class of loans

(in thousands)		Average Recorded Investment				Interest Income Recognized				Cash Basis Income Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Income Recognized
		2019												2018
With no related allowance recorded:
One- to four-family		$	3,694			$	34			$	34			$	3,605			$	16			$	16
Multi-family			683				11				11				--				--				--
Farm			310				--				--				310				--				--
Nonresidential real estate			705				7				7				411				--				--
Purchased credit-impaired loans			926				18				18				1,055				8				8
			6,318				70				70				5,380				24				24
With an allowance recorded:
One- to four-family			--				--				--				--				--				--
		$	6,318			$	70			$	70			$	5,380			$	24			$	24

Schedule of recorded investment in nonaccrual and loans

		September 30, 2019								June 30, 2019
(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 residential real estate		$	4,145			$	1,607			$	4,545			$	1,747
Multifamily			681				--				685				--
Farm			310				--				309				--
Nonresidential real estate and land			727				--				683				49
Commercial and industrial			1				--				1				--
Consumer			5				8				9				--
		$	5,869			$	1,615			$	6,232			$	1,796

Schedule of types troubled debt restructuring loan modifications

(in thousands)		Troubled Debt Restructurings Performing to Modified Terms				Troubled Debt Restructurings Not Performing to Modified Terms				Total Troubled Debt Restructurings
Three months ended September 30, 2019
Residential real estate:
Terms extended and additional funds advanced		$	120			$	--			$	120
Three months ended September 30, 2018
Residential real estate:
Terms extended		$	249			$	--			$	249

Schedule of principal balance outstanding in past due loans

(in thousands)		30-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate:
One-to four-family		$	2,648			$	2,720			$	5,368			$	210,016			$	215,384
Multi-family			--				248				248				15,297				15,545
Construction			--				--				--				3,927				3,927
Land			740				--				740				359				1,099
Farm			189				310				499				2,637				3,135
Nonresidential real estate			434				306				740				29,772				30,513
Commercial non-mortgage			--				--				--				1,942				1,942
Consumer and other:
Loans on deposits			--				--				--				1,259				1,259
Home equity			44				--				44				7,600				7,644
Automobile			--				8				8				87				95
Unsecured			2				--				2				537				539
Total		$	4,057			$	3,592			$	7,649			$	273,434			$	281,083

(in thousands)		30-89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate:
One-to four-family		$	4,201			$	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 nonmortgage			--				--				--				2,075				2,075
Consumer:
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

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

(in thousands)		Pass				Special Mention				Substandard				Doubtful
Residential real estate:
One- to four-family		$	206,428			$	833			$	8,123			$	--
Multi-family			14,864				--				681				--
Construction			3,927				--				--				--
Land			1,099				--				--				--
Farm			2,826				--				310				--
Nonresidential real estate			29,043				742				727				--
Commercial nonmortgage			1,574				--				369				--
Consumer:
Loans on deposits			1,259				--				--				--
Home equity			7,417				207				20				--
Automobile			87				--				8				--
Unsecured			534				--				5				--
		$	269,058			$	1,782			$	10,243			$	--

(in thousands)		Pass				Special Mention				Substandard				Doubtful
Residential real estate:
One- to four-family		$	206,489			$	894			$	8,683			$	--
Multi-family			15,243				--				685				--
Construction			3,757				--				--				--
Land			852				--				--				--
Farm			2,848				--				309				--
Nonresidential real estate			28,990				746				683				--
Commercial nonmortgage			1,584				--				491				--
Consumer:
Loans on deposits			1,415				--				--				--
Home equity			8,053				137				24				--
Automobile			91				--				--				--
Unsecured			446				--				5				--
		$	269,768			$	1,777			$	10,880			$	--

Schedule of purchased loans

(in thousands)		September 30, 2019				June 30, 2019
One- to four-family residential real estate		$	902			$	949

Schedule of accretable yield, or income expected to be collected

(in thousands)		Three months ended September 30, 2019				Twelve months ended June 30, 2019
Balance at beginning of period		$	544			$	634
Accretion of income			(28	)			(90	)
Disposals, net of recoveries			--				--
Balance at end of period		$	516			$	544

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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Tabular disclosure of allowance for credit loss on financing receivable.

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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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