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Loans (Tables)

12 Months Ended

Jun. 30, 2020

Receivables [Abstract]

Schedule of loan portfolio

(in thousands)		2020				2019
Residential real estate
One- to four-family		$	222,489			$	216,066
Multi-family			12,373				15,928
Construction			4,045				3,757
Land			765				852
Farm			2,354				3,157
Nonresidential real estate			33,503				30,419
Commercial and industrial			2,214				2,075
Consumer and other
Loans on deposits			1,245				1,415
Home equity			7,645				8,214
Automobile			67				91
Unsecured			675				451
			287,375				282,425
Allowance for loan losses			(1,488	)			(1,456	)
		$	285,887			$	280,969

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

June 30, 2020:
(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		$	3,983			$	751			$	4,734			$	--			$	--			$	--
Multi-family			671				--				671				--				--				--
Construction			63				--				63				--				--				--
Farm			309				--				309				--				--				--
Nonresidential real estate			660				--				660				--				--				--
			5,686				751				6,437				--				--				--
Loans collectively evaluated for impairment:
Residential real estate:
One- to four-family										$	217,755			$	671			$	--			$	671
Multi-family											11,702				184				--				184
Construction											3,982				6				--				6
Land											765				1				--				1
Farm											2,045				4				--				4
Nonresidential real estate											32,843				405				--				405
Commercial and industrial											2,214				3				--				3
Consumer and other
Loans on deposits											1,245				2				--				2
Home equity											7,645				11				--				11
Automobile											67				--				--				--
Unsecured											675				1				--				1
Unallocated											--				--				200				200
											280,938				1,288				200				1,488
										$	287,375			$	1,288			$	200			$	1,488

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.

Schedule of impaired loans by class of loans

(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		$	4,734			$	--			$	4,713			$	172			$	172
Multi-family			671				--				679				32				32
Construction			63				--				13				--				--
Farm			309				--				309				11				11
Nonresidential real estate			660				--				701				47				47
Total		$	6,437			$	--			$	6,415			$	262			$	262

(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

Schedule of principal balance outstanding in past due loans

		June 30, 2020								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		$	4,458			$	1,135			$	4,545			$	1,747
Multi-family			671				--				685				--
Construction			63				--				--				--
Farm			309				--				309				--
Nonresidential real estate			660				--				683				49
Commercial and industrial			4				--				1				--
Consumer			95				--				9				--
		$	6,260			$	1,135			$	6,232			$	1,796

Schedule of principal balance outstanding in past due loans

(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		$	2,546			$	2,670			$	5,216			$	217,273			$	222,489
Multi-family			--				--				--				12,373				12,373
Construction			192				63				255				3,790				4,045
Land			--				--				--				765				765
Farm			107				309				416				1,938				2,354
Nonresidential real estate			57				253				310				33,193				33,503
Commercial and industrial			--				--				--				2,214				2,214
Consumer and other:
Loans on deposits			--				--				--				1,245				1,245
Home equity			255				90				345				7,300				7,645
Automobile			--				--				--				67				67
Unsecured			--				--				--				675				675
Total		$	3,157			$	3,385			$	6,542			$	280,833			$	287,375

(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

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

June 30, 2020:
(in thousands)		Pass				Special Mention				Substandard				Doubtful
Residential real estate:
One- to four-family		$	215,010			$	742			$	6,737			$	--
Multi-family			11,702				--				671				--
Construction			3,982				--				63				--
Land			765				--				--				--
Farm			2,045				--				309				--
Nonresidential real estate			31,529				939				1,035				--
Commercial and industrial			2,188				--				26				--
Consumer and other:
Loans on deposits			1,245				--				--				--
Home equity			7,505				39				101				--
Automobile			67				--				--				--
Unsecured			670				--				5				--
Total		$	276,708			$	1,720			$	8,947			$	--

June 30, 2019:
(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 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		$	269,768			$	1,777			$	10,880			$	--

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			$	49			$	(65	)		$	2			$	671
Multi-family			200				(16	)			--				--				184
Construction			6				--				--				--				6
Land			1				--				--				--				1
Farm			6				(2	)			--				--				4
Nonresidential real estate			336				69				--				--				405
Commercial and industrial			5				(2	)			--				--				3
Consumer and other:
Loans on deposits			3				(1	)			--				--				2
Home equity			14				(3	)			--				--				11
Auto			--				8				(8	)
Unsecured			--				1				--				--				1
Unallocated			200				--				--				--				200
Totals		$	1,456			$	103			$	(73	)		$	2			$	1,488

(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

Schedule of purchased credit impaired loans

(in thousands)		2020				2019
Residential real estate:
One- to four-family		$	751			$	949

Schedule of accretable yield, or income expected to be collected

(in thousands)		2020				2019
Balance at beginning of year		$	544			$	634
Accretion of income			(97	)			(90	)
Balance at end of year		$	447			$	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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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 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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