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Loans Receivable (Tables) | 6 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Schedule of loan portfolio |
|  | December 31, |  |  | June 30, |
(in thousands) |  | 2021 |  |  | 2021 |
Residential real estate |  |  |  |  |  |
One- to four-family |  | $ | 217,244 |  |  | $ | 224,125 |
Multi-family |  |  | 11,865 |  |  |  | 19,781 |
Construction |  |  | 2,877 |  |  |  | 5,433 |
Land |  |  | 315 |  |  |  | 1,308 |
Farm |  |  | 2,274 |  |  |  | 2,234 |
Nonresidential real estate |  |  | 33,483 |  |  |  | 35,492 |
Commercial nonmortgage |  |  | 1,148 |  |  |  | 2,259 |
Consumer and other: |  |  |  |  |  |  |  |
Loans on deposits |  |  | 997 |  |  |  | 1,129 |
Home equity |  |  | 7,431 |  |  |  | 7,135 |
Automobile |  |  | 94 |  |  |  | 75 |
Unsecured |  |  | 559 |  |  |  | 553 |
|  |  | 278,287 |  |  |  | 299,524 |
Allowance for loan losses |  |  | (1,603 | ) |  |  | (1,622 | )
|  | $ | 276,684 |  |  | $ | 297,902 |
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 |  | $ | 794 |  |  | $ | 54 |  |  | $ | (17 | ) |  | $ | – |  |  | $ | 831 |
Multi-family |  |  | 291 |  |  |  | (79 | ) |  |  | – |  |  |  | – |  |  |  | 212 |
Construction |  |  | 12 |  |  |  | (6 | ) |  |  | – |  |  |  | – |  |  |  | 6 |
Land |  |  | 3 |  |  |  | (3 | ) |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 5 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 6 |
Nonresidential real estate |  |  | 494 |  |  |  | 32 |  |  |  | – |  |  |  | – |  |  |  | 526 |
Commercial nonmortgage |  |  | 5 |  |  |  | (2 | ) |  |  | – |  |  |  | – |  |  |  | 3 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 1 |
Home equity |  |  | 15 |  |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | 17 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | 2 |  |  |  | (3 | ) |  |  | 1 |  |  |  | 1 |
Totals |  | $ | 1,622 |  |  | $ | -- |  |  | $ | (20 | ) |  | $ | 1 |  |  | $ | 1,603 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 754 |  |  | $ | 85 |  |  | $ | (8 | ) |  | $ | – |  |  | $ | 831 |
Multi-family |  |  | 290 |  |  |  | (78 | ) |  |  | – |  |  |  | – |  |  |  | 212 |
Construction |  |  | 13 |  |  |  | (7 | ) |  |  | – |  |  |  | – |  |  |  | 6 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | -- |
Farm |  |  | 6 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 6 |
Nonresidential real estate |  |  | 526 |  |  |  | -- |  |  |  | – |  |  |  | – |  |  |  | 526 |
Commercial nonmortgage |  |  | 3 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 1 |
Home equity |  |  | 16 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 17 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |  |  |  | 1 |
Totals |  | $ | 1,610 |  |  | $ | – |  |  | $ | (8 | ) |  | $ | 1 |  |  | $ | 1,603 |
(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 |
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 |
Loans individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,408 |  |  | $ | 476 |  |  | $ | 3,884 |  |  | $ | – |
Multi-family |  |  | 580 |  |  |  | – |  |  |  | 580 |  |  |  | – |
Farm |  |  | 274 |  |  |  | – |  |  |  | 274 |  |  |  | – |
Nonresidential real estate |  |  | 1,339 |  |  |  | – |  |  |  | 1,339 |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 16 |  |  |  | -- |  |  |  | 16 |  |  |  |  |
Unsecured |  |  | 5 |  |  |  | -- |  |  |  | 5 |  |  |  |  |
|  |  | 5,622 |  |  |  | 476 |  |  |  | 6,098 |  |  |  | – |
Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 213,360 |  |  | $ | 831 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 11,285 |  |  |  | 212 |
Construction |  |  |  |  |  |  |  |  |  |  | 2,877 |  |  |  | 6 |
Land |  |  |  |  |  |  |  |  |  |  | 315 |  |  |  | -- |
Farm |  |  |  |  |  |  |  |  |  |  | 2,000 |  |  |  | 6 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 32,144 |  |  |  | 526 |
Commercial nonmortgage |  |  |  |  |  |  |  |  |  |  | 1,148 |  |  |  | 3 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 997 |  |  |  | 1 |
Home equity |  |  |  |  |  |  |  |  |  |  | 7,415 |  |  |  | 17 |
Automobile |  |  |  |  |  |  |  |  |  |  | 94 |  |  |  | – |
Unsecured |  |  |  |  |  |  |  |  |  |  | 554 |  |  |  | 1 |
|  |  |  |  |  |  |  |  |  |  | 272,189 |  |  |  | 1,603 |
|  |  |  |  |  |  |  |  |  | $ | 278,287 |  |  | $ | 1,603 |
(in thousands) |  | Loans individually evaluated |  |  | Loans acquired with deteriorated credit quality |  |  | Unpaid principal balance and recorded investment |  |  | Ending allowance attributed to loans |
Loans individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,738 |  |  | $ | 595 |  |  | $ | 4,333 |  |  | $ | – |
Multi-family |  |  | 646 |  |  |  | – |  |  |  | 646 |  |  |  | – |
Farm |  |  | 274 |  |  |  | – |  |  |  | 274 |  |  |  | – |
Nonresidential real estate |  |  | 1,367 |  |  |  | – |  |  |  | 1,367 |  |  |  | – |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 16 |  |  |  | – |  |  |  | 16 |  |  |  | – |
|  |  | 6,041 |  |  |  | 595 |  |  |  | 6,636 |  |  |  | – |
Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 219,792 |  |  | $ | 794 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 19,135 |  |  |  | 291 |
Construction |  |  |  |  |  |  |  |  |  |  | 5,433 |  |  |  | 12 |
Land |  |  |  |  |  |  |  |  |  |  | 1,308 |  |  |  | 3 |
Farm |  |  |  |  |  |  |  |  |  |  | 1,960 |  |  |  | 5 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 34,125 |  |  |  | 494 |
Commercial nonmortgage |  |  |  |  |  |  |  |  |  |  | 2,259 |  |  |  | 5 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 1,129 |  |  |  | 2 |
Home equity |  |  |  |  |  |  |  |  |  |  | 7,135 |  |  |  | 15 |
Automobile |  |  |  |  |  |  |  |  |  |  | 75 |  |  |  | – |
Unsecured |  |  |  |  |  |  |  |  |  |  | 537 |  |  |  | 1 |
|  |  |  |  |  |  |  |  |  |  | 292,888 |  |  |  | 1,622 |
|  |  |  |  |  |  |  |  |  | $ | 299,524 |  |  | $ | 1,622 |
Schedule of impaired 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 |
|  | 2021 |  |  | 2020 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,572 |  |  | $ | 67 |  |  | $ | 67 |  |  | $ | 4,011 |  |  | $ | 84 |  |  | $ | 84 |
Multi-family |  |  | 613 |  |  |  | 11 |  |  |  | 11 |  |  |  | 665 |  |  |  | 12 |  |  |  | 12 |
Construction |  |  | -- |  |  |  | – |  |  |  | – |  |  |  | 32 |  |  |  | – |  |  |  | – |
Farm |  |  | 274 |  |  |  | -- |  |  |  | -- |  |  |  | 300 |  |  |  | 23 |  |  |  | 23 |
Nonresidential real estate |  |  | 1,353 |  |  |  | 30 |  |  |  | 30 |  |  |  | 653 |  |  |  | 7 |  |  |  | 7 |
Consumer |  |  | 19 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased credit-impaired loans |  |  | 536 |  |  |  | 15 |  |  |  | 15 |  |  |  | 718 |  |  |  | 24 |  |  |  | 24 |
|  |  | 6,169 |  |  |  | 124 |  |  |  | 124 |  |  |  | 6,379 |  |  |  | 150 |  |  |  | 150 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 6,367 |  |  | $ | 124 |  |  | $ | 124 |  |  | $ | 6,379 |  |  | $ | 150 |  |  | $ | 150 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |
|  | 2021 |  |  | 2020 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,476 |  |  | $ | 33 |  |  | $ | 33 |  |  | $ | 3,965 |  |  | $ | 39 |  |  | $ | 39 |
Multi-family |  |  | 584 |  |  |  | 5 |  |  |  | 5 |  |  |  | 662 |  |  |  | 6 |  |  |  | 6 |
Construction |  |  | -- |  |  |  |  |  |  |  |  |  |  |  | 32 |  |  |  | -- |  |  |  | -- |
Farm |  |  | 273 |  |  |  | -- |  |  |  | -- |  |  |  | 292 |  |  |  | -- |  |  |  | -- |
Nonresidential real estate |  |  | 1,344 |  |  |  | 14 |  |  |  | 14 |  |  |  | 650 |  |  |  | 3 |  |  |  | 3 |
Consumer |  |  | 24 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased credit-impaired loans |  |  | 468 |  |  |  | 7 |  |  |  | 7 |  |  |  | 711 |  |  |  | 10 |  |  |  | 10 |
|  |  | 6,169 |  |  |  | 60 |  |  |  | 60 |  |  |  | 6,312 |  |  |  | 58 |  |  |  | 58 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 6,169 |  |  | $ | 60 |  |  | $ | 60 |  |  | $ | 6,312 |  |  | $ | 58 |  |  | $ | 58 |
Schedule of purchased credit impaired loans |
|  | December 31, 2021 |  |  | June 30, 2021 |
(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 |  | $ | 3,787 |  |  | $ | 371 |  |  | $ | 4,104 |  |  | $ | 243 |
Multifamily |  |  | 580 |  |  |  | – |  |  |  | 646 |  |  |  | – |
Construction |  |  | -- |  |  |  | – |  |  |  | -- |  |  |  | – |
Farm |  |  | 274 |  |  |  | – |  |  |  | 274 |  |  |  | – |
Nonresidential real estate and land |  |  | 1,339 |  |  |  | – |  |  |  | 1,367 |  |  |  | – |
Consumer |  |  | 20 |  |  |  | 71 |  |  |  | 21 |  |  |  | – |
|  | $ | 6,000 |  |  | $ | 442 |  |  | $ | 6,412 |  |  | $ | 243 |
Schedule of TDR 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 |
(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 |
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 |  | $ | 2,123 |  |  | $ | 1,292 |  |  | $ | 3,415 |  |  | $ | 213,829 |  |  | $ | 217,244 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 11,865 |  |  |  | 11,865 |
Construction |  |  | 12 |  |  |  | -- |  |  |  | 12 |  |  |  | 2,865 |  |  |  | 2,877 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 315 |  |  |  | 315 |
Farm |  |  | 98 |  |  |  | – |  |  |  | 98 |  |  |  | 2,176 |  |  |  | 2,274 |
Nonresidential real estate |  |  | 99 |  |  |  | 237 |  |  |  | 336 |  |  |  | 33,147 |  |  |  | 33,483 |
Commercial non-mortgage |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,148 |  |  |  | 1,148 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 997 |  |  |  | 997 |
Home equity |  |  | 76 |  |  |  | 71 |  |  |  | 147 |  |  |  | 7,284 |  |  |  | 7,431 |
Automobile |  |  | -- |  |  |  | – |  |  |  | -- |  |  |  | 94 |  |  |  | 94 |
Unsecured |  |  | 2 |  |  |  | – |  |  |  | 2 |  |  |  | 557 |  |  |  | 559 |
Total |  | $ | 2,410 |  |  | $ | 1,600 |  |  | $ | 4,010 |  |  | $ | 274,277 |  |  | $ | 278,287 |
(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 |  | $ | 2,392 |  |  | $ | 1,338 |  |  | $ | 3,730 |  |  | $ | 220,395 |  |  | $ | 224,125 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 19,781 |  |  |  | 19,781 |
Construction |  |  | 80 |  |  |  | -- |  |  |  | 80 |  |  |  | 5,353 |  |  |  | 5,433 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,308 |  |  |  | 1,308 |
Farm |  |  | 101 |  |  |  | -- |  |  |  | 101 |  |  |  | 2,133 |  |  |  | 2,234 |
Nonresidential real estate |  |  | -- |  |  |  | 241 |  |  |  | 241 |  |  |  | 35,251 |  |  |  | 35,492 |
Commercial and industrial |  |  | 6 |  |  |  | – |  |  |  | 6 |  |  |  | 2,253 |  |  |  | 2,259 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,129 |  |  |  | 1,129 |
Home equity |  |  | 116 |  |  |  | -- |  |  |  | 116 |  |  |  | 7,019 |  |  |  | 7,135 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 75 |  |  |  | 75 |
Unsecured |  |  | 4 |  |  |  | – |  |  |  | 4 |  |  |  | 549 |  |  |  | 553 |
Total |  | $ | 2,699 |  |  | $ | 1,579 |  |  | $ | 4,278 |  |  | $ | 295,246 |  |  | $ | 299,524 |
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 |  | $ | 210,945 |  |  | $ | 573 |  |  | $ | 5,726 |  |  | $ | – |
Multi-family |  |  | 11,285 |  |  |  | – |  |  |  | 580 |  |  |  | – |
Construction |  |  | 2,877 |  |  |  | – |  |  |  | – |  |  |  | – |
Land |  |  | 315 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 2,000 |  |  |  | – |  |  |  | 274 |  |  |  | – |
Nonresidential real estate |  |  | 31,232 |  |  |  | 912 |  |  |  | 1,339 |  |  |  | – |
Commercial nonmortgage |  |  | 1,148 |  |  |  | – |  |  |  | – |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 997 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 7,269 |  |  |  | 40 |  |  |  | 122 |  |  |  | – |
Automobile |  |  | 94 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 553 |  |  |  | – |  |  |  | 6 |  |  |  | – |
|  | $ | 268,715 |  |  | $ | 1,525 |  |  | $ | 8,047 |  |  | $ | – |
(in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 217,485 |  |  | $ | 596 |  |  | $ | 6,044 |  |  | $ | – |
Multi-family |  |  | 19,135 |  |  |  | – |  |  |  | 646 |  |  |  | – |
Construction |  |  | 5,433 |  |  |  | – |  |  |  | – |  |  |  | – |
Land |  |  | 1,308 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 1,960 |  |  |  | – |  |  |  | 274 |  |  |  | – |
Nonresidential real estate |  |  | 32,748 |  |  |  | 924 |  |  |  | 1,820 |  |  |  | – |
Commercial nonmortgage |  |  | 2,259 |  |  |  | – |  |  |  | – |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1,129 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 7,044 |  |  |  | 39 |  |  |  | 52 |  |  |  | – |
Automobile |  |  | 75 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 546 |  |  |  | – |  |  |  | 7 |  |  |  | – |
|  | $ | 289,122 |  |  | $ | 1,559 |  |  | $ | 8,843 |  |  | $ | – |
Schedule of purchased credit impaired loans |
(in thousands) |  | December 31, 2021 |  |  | June 30, 2021 |
One- to four-family residential real estate |  | $ | 434 |  |  | $ | 595 |
Schedule of accretable yield, or income expected to be collected |
(in thousands) |  | Six months ended December 31, 2021 |  |  | Twelve months ended June 30, 2021 |
Balance at beginning of period |  | $ | 390 |  |  | $ | 447 |
Accretion of income |  |  | (26 | ) |  |  | (57 | )
Disposals, net of recoveries |  |  | – |  |  |  | – |
Balance at end of period |  | $ | 364 |  |  | $ | 390 |

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