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Loans Receivable (Tables) | 6 Months Ended
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Dec. 31, 2020
Receivables [Abstract] |
Schedule of loan portfolio |
|  | December 31, |  |  | June 30, |
(in thousands) |  | 2020 |  |  | 2020 |
Residential real estate |  |  |  |  |  |  |  |
One- to four-family |  | $ | 222,443 |  |  | $ | 222,489 |
Multi-family |  |  | 18,991 |  |  |  | 12,373 |
Construction |  |  | 4,055 |  |  |  | 4,045 |
Land |  |  | 1,099 |  |  |  | 765 |
Farm |  |  | 2,561 |  |  |  | 2,354 |
Nonresidential real estate |  |  | 38,043 |  |  |  | 33,503 |
Commercial nonmortgage |  |  | 1,321 |  |  |  | 2,214 |
Consumer and other: |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1,235 |  |  |  | 1,245 |
Home equity |  |  | 7,454 |  |  |  | 7,645 |
Automobile |  |  | 90 |  |  |  | 67 |
Unsecured |  |  | 594 |  |  |  | 675 |
|  |  | 297,886 |  |  |  | 287,375 |
Allowance for loan losses |  |  | (1,622 | ) |  |  | (1,488 | )
|  | $ | 296,264 |  |  | $ | 285,887 |
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 |  | $ | 671 |  |  | $ | (1 | ) |  | $ | (23 | ) |  | $ | – |  |  | $ | 647 |
Multi-family |  |  | 184 |  |  |  | 93 |  |  |  | – |  |  |  | – |  |  |  | 277 |
Construction |  |  | 6 |  |  |  | -- |  |  |  | – |  |  |  | – |  |  |  | 6 |
Land |  |  | 1 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 2 |
Farm |  |  | 4 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 5 |
Nonresidential real estate |  |  | 405 |  |  |  | 64 |  |  |  | – |  |  |  | – |  |  |  | 469 |
Commercial nonmortgage |  |  | 3 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 2 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Home equity |  |  | 11 |  |  |  | 38 |  |  |  | (45 | ) |  |  | 7 |  |  |  | 11 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | (3 | ) |  |  | – |  |  |  | 3 |  |  |  | 1 |
Unallocated |  |  | 200 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 200 |
Totals |  | $ | 1,488 |  |  | $ | 192 |  |  | $ | (68 | ) |  | $ | 10 |  |  | $ | 1,622 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 670 |  |  | $ | -- |  |  | $ | (23 | ) |  | $ | – |  |  | $ | 647 |
Multi-family |  |  | 217 |  |  |  | 60 |  |  |  | – |  |  |  | – |  |  |  | 277 |
Construction |  |  | 7 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 6 |
Land |  |  | 1 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 2 |
Farm |  |  | 5 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 5 |
Nonresidential real estate |  |  | 418 |  |  |  | 51 |  |  |  | – |  |  |  | – |  |  |  | 469 |
Commercial nonmortgage |  |  | 4 |  |  |  | (2 | ) |  |  | – |  |  |  | – |  |  |  | 2 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | -- |  |  |  | – |  |  |  | – |  |  |  | 2 |
Home equity |  |  | 11 |  |  |  | -- |  |  |  | – |  |  |  | – |  |  |  | 11 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | (1 | ) |  |  | – |  |  |  | 1 |  |  |  | 1 |
Unallocated |  |  | 200 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 200 |
Totals |  | $ | 1,536 |  |  | $ | 108 |  |  | $ | (23 | ) |  | $ | 1 |  |  | $ | 1,622 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 685 |  |  | $ | 64 |  |  | $ | (65 | ) |  | $ | – |  |  | $ | 684 |
Multi-family |  |  | 200 |  |  |  | (28 | ) |  |  | – |  |  |  | – |  |  |  | 172 |
Construction |  |  | 6 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 6 |
Land |  |  | 1 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 2 |
Farm |  |  | 6 |  |  |  | (2 | ) |  |  | – |  |  |  | – |  |  |  | 4 |
Nonresidential real estate |  |  | 336 |  |  |  | 25 |  |  |  | – |  |  |  | – |  |  |  | 361 |
Commercial nonmortgage |  |  | 5 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 4 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 3 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 2 |
Home equity |  |  | 14 |  |  |  | (3 | ) |  |  | – |  |  |  | – |  |  |  | 11 |
Automobile |  |  | – |  |  |  | 8 |  |  |  | (8 | ) |  |  | – |  |  |  | – |
Unsecured |  |  | – |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 1 |
Unallocated |  |  | 200 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 200 |
Totals |  | $ | 1,456 |  |  | $ | 64 |  |  | $ | (73 | ) |  | $ | – |  |  | $ | 1,447 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 686 |  |  | $ | (2 | ) |  | $ | – |  |  | $ | – |  |  | $ | 684 |
Multi-family |  |  | 193 |  |  |  | (21 | ) |  |  | – |  |  |  | – |  |  |  | 172 |
Construction |  |  | 6 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 6 |
Land |  |  | 1 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 2 |
Farm |  |  | 6 |  |  |  | (2 | ) |  |  | – |  |  |  | – |  |  |  | 4 |
Nonresidential real estate |  |  | 339 |  |  |  | 22 |  |  |  | – |  |  |  | – |  |  |  | 361 |
Commercial nonmortgage |  |  | 5 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 4 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Home equity |  |  | 12 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 11 |
Automobile |  |  | – |  |  |  | 8 |  |  |  | (8 | ) |  |  | – |  |  |  | – |
Unsecured |  |  | – |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 1 |
Unallocated |  |  | 200 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 200 |
Totals |  | $ | 1,450 |  |  | $ | 5 |  |  | $ | (8 | ) |  | $ | – |  |  | $ | 1,447 |
Schedule of allowance for loan losses and the recorded investment in loans by portfolio |
(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 |  | $ | 4,040 |  |  | $ | 685 |  |  | $ | 4,725 |  |  | $ | – |  |  | $ | – |  |  | $ | – |
Multi-family |  |  | 658 |  |  |  | – |  |  |  | 658 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 291 |  |  |  | – |  |  |  | 291 |  |  |  | – |  |  |  | – |  |  |  | – |
Nonresidential real estate |  |  | 646 |  |  |  | – |  |  |  | 646 |  |  |  | – |  |  |  | – |  |  |  | – |
|  |  | 5,635 |  |  |  | 685 |  |  |  | 6,320 |  |  |  | – |  |  |  | – |  |  |  | – |
Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 217,718 |  |  | $ | 647 |  |  | $ | – |  |  | $ | 647 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 18,333 |  |  |  | 277 |  |  |  | – |  |  |  | 277 |
Construction |  |  |  |  |  |  |  |  |  |  | 4,055 |  |  |  | 6 |  |  |  | – |  |  |  | 6 |
Land |  |  |  |  |  |  |  |  |  |  | 1,099 |  |  |  | 2 |  |  |  | – |  |  |  | 2 |
Farm |  |  |  |  |  |  |  |  |  |  | 2,270 |  |  |  | 5 |  |  |  | – |  |  |  | 5 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 37,397 |  |  |  | 469 |  |  |  | – |  |  |  | 469 |
Commercial nonmortgage |  |  |  |  |  |  |  |  |  |  | 1,321 |  |  |  | 2 |  |  |  | – |  |  |  | 2 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 1,235 |  |  |  | 2 |  |  |  | – |  |  |  | 2 |
Home equity |  |  |  |  |  |  |  |  |  |  | 7,454 |  |  |  | 11 |  |  |  | – |  |  |  | 11 |
Automobile |  |  |  |  |  |  |  |  |  |  | 90 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  |  |  |  |  |  |  |  |  | 594 |  |  |  | 1 |  |  |  | – |  |  |  | 1 |
Unallocated |  |  |  |  |  |  |  |  |  |  | – |  |  |  | – |  |  |  | 200 |  |  |  | 200 |
|  |  |  |  |  |  |  |  |  |  | 291,566 |  |  |  | 1,422 |  |  |  | 200 |  |  |  | 1,622 |
|  |  |  |  |  |  |  |  |  | $ | 297,886 |  |  | $ | 1,422 |  |  | $ | 200 |  |  | $ | 1,622 |
(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 |  | $ | 3,983 |  |  | $ | 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 nonmortgage |  |  |  |  |  |  |  |  |  |  | 2,214 |  |  |  | 3 |  |  |  | – |  |  |  | 3 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
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 |
|  | 2020 |  |  | 2019 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 4,011 |  |  | $ | 84 |  |  | $ | 84 |  |  | $ | 3,922 |  |  | $ | 62 |  |  | $ | 62 |
Multi-family |  |  | 665 |  |  |  | 12 |  |  |  | 12 |  |  |  | 684 |  |  |  | 17 |  |  |  | 17 |
Construction |  |  | 32 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 300 |  |  |  | 23 |  |  |  | 23 |  |  |  | 309 |  |  |  | 5 |  |  |  | 5 |
Nonresidential real estate |  |  | 653 |  |  |  | 7 |  |  |  | 7 |  |  |  | 702 |  |  |  | 14 |  |  |  | 14 |
Purchased credit-impaired loans |  |  | 718 |  |  |  | 24 |  |  |  | 24 |  |  |  | 936 |  |  |  | 35 |  |  |  | 35 |
|  |  | 6,379 |  |  |  | 150 |  |  |  | 150 |  |  |  | 6,553 |  |  |  | 133 |  |  |  | 133 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 6,379 |  |  | $ | 150 |  |  | $ | 150 |  |  | $ | 6,553 |  |  | $ | 133 |  |  | $ | 133 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |
|  | 2020 |  |  | 2019 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,965 |  |  | $ | 39 |  |  | $ | 39 |  |  | $ | 3,780 |  |  | $ | 28 |  |  | $ | 28 |
Multi-family |  |  | 662 |  |  |  | 6 |  |  |  | 6 |  |  |  | 682 |  |  |  | 6 |  |  |  | 6 |
Construction |  |  | 32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farm |  |  | 292 |  |  |  | -- |  |  |  | -- |  |  |  | 309 |  |  |  | 5 |  |  |  | 5 |
Nonresidential real estate |  |  | 650 |  |  |  | 3 |  |  |  | 3 |  |  |  | 724 |  |  |  | 7 |  |  |  | 7 |
Purchased credit-impaired loans |  |  | 711 |  |  |  | 10 |  |  |  | 10 |  |  |  | 913 |  |  |  | 17 |  |  |  | 17 |
|  |  | 6,312 |  |  |  | 58 |  |  |  | 58 |  |  |  | 6,408 |  |  |  | 63 |  |  |  | 63 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 6,312 |  |  | $ | 58 |  |  | $ | 58 |  |  | $ | 6,408 |  |  | $ | 63 |  |  | $ | 63 |
Schedule of recorded investment in nonaccrual and loans |
|  | December 31, 2020 |  |  | June 30, 2020 |
(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 |  | $ | 4,430 |  |  | $ | 461 |  |  | $ | 4,458 |  |  | $ | 1,135 |
Multifamily |  |  | 658 |  |  |  | – |  |  |  | 671 |  |  |  | – |
Construction |  |  | -- |  |  |  | – |  |  |  | 63 |  |  |  | – |
Farm |  |  | 291 |  |  |  | – |  |  |  | 309 |  |  |  | – |
Nonresidential real estate and land |  |  | 646 |  |  |  | – |  |  |  | 660 |  |  |  | – |
Commercial and industrial |  |  | – |  |  |  | – |  |  |  | 4 |  |  |  | – |
Consumer |  |  | 67 |  |  |  | -- |  |  |  | 95 |  |  |  | – |
|  | $ | 6,092 |  |  | $ | 461 |  |  | $ | 6,260 |  |  | $ | 1,135 |
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 |
Six months ended December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
Chapter 7 bankruptcy |  | $ | 144 |  |  | $ | – |  |  | $ | 144 |
Six months ended December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
Terms extended |  | $ | 682 |  |  | $ | – |  |  | $ | 682 |
Terms extended and additional funds advanced |  | $ | 119 |  |  | $ | – |  |  | $ | 119 |
Chapter 7 bankruptcy |  | $ | 21 |  |  | $ | – |  |  | $ | 21 |
(in thousands) |  | Troubled Debt Restructurings Performing to Modified Terms |  |  | Troubled Debt Restructurings Not Performing to Modified Terms |  |  | Total Troubled Debt Restructurings |
Three months ended December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
Chapter 7 bankruptcy |  | $ | 144 |  |  | $ | – |  |  | $ | 144 |
Three months ended December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
Terms extended |  | $ | 682 |  |  | $ | – |  |  | $ | 682 |
Chapter 7 bankruptcy |  | $ | 21 |  |  | $ | – |  |  | $ | 21 |
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 |  | $ | 3,424 |  |  | $ | 2,086 |  |  | $ | 5,510 |  |  | $ | 216,933 |  |  | $ | 222,443 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 18,991 |  |  |  | 18,991 |
Construction |  |  | 378 |  |  |  | -- |  |  |  | 378 |  |  |  | 3,677 |  |  |  | 4,055 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,099 |  |  |  | 1,099 |
Farm |  |  | 104 |  |  |  | – |  |  |  | 104 |  |  |  | 2,457 |  |  |  | 2,561 |
Nonresidential real estate |  |  | -- |  |  |  | 249 |  |  |  | 249 |  |  |  | 37,794 |  |  |  | 38,043 |
Commercial non-mortgage |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,321 |  |  |  | 1,321 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,235 |  |  |  | 1,235 |
Home equity |  |  | -- |  |  |  | -- |  |  |  | -- |  |  |  | 7,454 |  |  |  | 7,454 |
Automobile |  |  | 1 |  |  |  | – |  |  |  | 1 |  |  |  | 89 |  |  |  | 90 |
Unsecured |  |  | 9 |  |  |  | – |  |  |  | 9 |  |  |  | 585 |  |  |  | 594 |
Total |  | $ | 3,916 |  |  | $ | 2,335 |  |  | $ | 6,251 |  |  | $ | 291,635 |  |  | $ | 297,886 |
(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 |  | $ | 2,546 |  |  | $ | 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 nonmortgage |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2,214 |  |  |  | 2,214 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
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 |  | $ | 215,356 |  |  | $ | 690 |  |  | $ | 6,397 |  |  | $ | – |
Multi-family |  |  | 18,333 |  |  |  | – |  |  |  | 658 |  |  |  | – |
Construction |  |  | 4,055 |  |  |  | – |  |  |  | -- |  |  |  | – |
Land |  |  | 1,099 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 2,270 |  |  |  | – |  |  |  | 291 |  |  |  | – |
Nonresidential real estate |  |  | 36,001 |  |  |  | 937 |  |  |  | 1,105 |  |  |  | – |
Commercial nonmortgage |  |  | 1,321 |  |  |  | – |  |  |  | – |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1,235 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 7,333 |  |  |  | 40 |  |  |  | 81 |  |  |  | – |
Automobile |  |  | 90 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 594 |  |  |  | – |  |  |  | -- |  |  |  | – |
|  | $ | 287,687 |  |  | $ | 1,667 |  |  | $ | 8,532 |  |  | $ | – |
(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 nonmortgage |  |  | 2,188 |  |  |  | – |  |  |  | 26 |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1,245 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 7,505 |  |  |  | 39 |  |  |  | 101 |  |  |  | – |
Automobile |  |  | 67 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 670 |  |  |  | – |  |  |  | 5 |  |  |  | – |
|  | $ | 276,708 |  |  | $ | 1,720 |  |  | $ | 8,947 |  |  | $ | – |
Schedule of purchased credit impaired loans |
(in thousands) |  | December 31, 2020 |  |  | June 30, 2020 |
One- to four-family residential real estate |  | $ | 646 |  |  | $ | 751 |
Schedule of accretable yield, or income expected to be collected |
(in thousands) |  | Six months ended December 31, 2020 |  |  | Twelve months ended June 30, 2020 |
Balance at beginning of period |  | $ | 447 |  |  | $ | 544 |
Accretion of income |  |  | (29 | ) |  |  | (97 | )
Disposals, net of recoveries |  |  | – |  |  |  | – |
Balance at end of period |  | $ | 418 |  |  | $ | 447 |

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