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v3.22.1

Loans Receivable (Tables) | 9 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Schedule of loan portfolio |
|  | March 31, |  |  | June 30, |
(in thousands) |  | 2022 |  |  | 2021 |
Residential real estate |  |  |  |  |  |  |  |
One- to four-family |  | $ | 209,344 |  |  | $ | 224,145 |
Multi-family |  |  | 13,298 |  |  |  | 19,781 |
Construction |  |  | 1,891 |  |  |  | 5,433 |
Land |  |  | 1,097 |  |  |  | 1,308 |
Farm |  |  | 1,839 |  |  |  | 2,234 |
Nonresidential real estate |  |  | 33,246 |  |  |  | 35,492 |
Commercial nonmortgage |  |  | 1,032 |  |  |  | 2,259 |
Consumer and other: |  |  |  |  |  |  |  |
Loans on deposits |  |  | 891 |  |  |  | 1,129 |
Home equity |  |  | 7,662 |  |  |  | 7,135 |
Automobile |  |  | 71 |  |  |  | 75 |
Unsecured |  |  | 509 |  |  |  | 533 |
|  |  | 270,880 |  |  |  | 299,524 |
Allowance for loan losses |  |  | (1,484 | ) |  |  | (1,622 | )
|  | $ | 269,396 |  |  | $ | 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 |  |  | $ | (4 | ) |  | $ | (31 | ) |  | $ | – |  |  | $ | 759 |
Multi-family |  |  | 291 |  |  |  | (68 | ) |  |  | – |  |  |  | – |  |  |  | 223 |
Construction |  |  | 12 |  |  |  | (7 | ) |  |  | – |  |  |  | – |  |  |  | 5 |
Land |  |  | 3 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 4 |
Farm |  |  | 5 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 6 |
Nonresidential real estate |  |  | 494 |  |  |  | (33 | ) |  |  | – |  |  |  | – |  |  |  | 461 |
Commercial nonmortgage |  |  | 5 |  |  |  | (3 | ) |  |  | – |  |  |  | – |  |  |  | 2 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 1 |
Home equity |  |  | 15 |  |  |  | 7 |  |  |  | – |  |  |  | – |  |  |  | 22 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | 1 |  |  |  | (3 | ) |  |  | 2 |  |  |  | 1 |
Totals |  | $ | 1,622 |  |  | $ | (106 | ) |  | $ | (34 | ) |  | $ | 2 |  |  | $ | 1,484 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 831 |  |  | $ | (58 | ) |  | $ | (14 | ) |  | $ | – |  |  | $ | 759 |
Multi-family |  |  | 212 |  |  |  | 11 |  |  |  | – |  |  |  | – |  |  |  | 223 |
Construction |  |  | 6 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 5 |
Land |  |  | – |  |  |  | 4 |  |  |  | – |  |  |  | – |  |  |  | 4 |
Farm |  |  | 6 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 6 |
Nonresidential real estate |  |  | 526 |  |  |  | (65 | ) |  |  | – |  |  |  | – |  |  |  | 461 |
Commercial nonmortgage |  |  | 3 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 2 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Home equity |  |  | 17 |  |  |  | 5 |  |  |  | – |  |  |  | – |  |  |  | 22 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | (1 | ) |  |  | – |  |  |  | 1 |  |  |  | 1 |
Totals |  | $ | 1,603 |  |  | $ | (106 | ) |  | $ | (14 | ) |  | $ | 1 |  |  | $ | 1,484 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 671 |  |  | $ | (3 | ) |  | $ | (23 | ) |  | $ | – |  |  | $ | 645 |
Multi-family |  |  | 184 |  |  |  | 96 |  |  |  | – |  |  |  | – |  |  |  | 280 |
Construction |  |  | 6 |  |  |  | 3 |  |  |  | – |  |  |  | – |  |  |  | 9 |
Land |  |  | 1 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 2 |
Farm |  |  | 4 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 4 |
Nonresidential real estate |  |  | 405 |  |  |  | 61 |  |  |  | – |  |  |  | – |  |  |  | 466 |
Commercial nonmortgage |  |  | 3 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Home equity |  |  | 11 |  |  |  | 37 |  |  |  | (45 | ) |  |  | 7 |  |  |  | 10 |
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 |  | $ | 647 |  |  | $ | (2 | ) |  | $ | – |  |  | $ | – |  |  | $ | 645 |
Multi-family |  |  | 277 |  |  |  | 3 |  |  |  | – |  |  |  | – |  |  |  | 280 |
Construction |  |  | 6 |  |  |  | 3 |  |  |  | – |  |  |  | – |  |  |  | 9 |
Land |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Farm |  |  | 5 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 4 |
Nonresidential real estate |  |  | 469 |  |  |  | (3 | ) |  |  | – |  |  |  | – |  |  |  | 466 |
Commercial nonmortgage |  |  | 2 |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 3 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Home equity |  |  | 11 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 10 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Unallocated |  |  | 200 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 200 |
Totals |  | $ | 1,622 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 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 |  | $ | 3,250 |  |  | $ | 497 |  |  | $ | 3,747 |  |  | $ | – |
Multi-family |  |  | 574 |  |  |  |  |  |  |  | 574 |  |  |  | – |
Farm |  |  | 273 |  |  |  |  |  |  |  | 273 |  |  |  | – |
Nonresidential real estate |  |  | 1,091 |  |  |  |  |  |  |  | 1,091 |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 87 |  |  |  |  |  |  |  | 87 |  |  |  | – |
Unsecure |  |  | 5 |  |  |  |  |  |  |  | 5 |  |  |  | – |
|  |  | 5,280 |  |  |  | 497 |  |  |  | 5,777 |  |  |  | – |
Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 205,597 |  |  | $ | 759 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 12,724 |  |  |  | 223 |
Construction |  |  |  |  |  |  |  |  |  |  | 1,891 |  |  |  | 5 |
Land |  |  |  |  |  |  |  |  |  |  | 1,097 |  |  |  | 4 |
Farm |  |  |  |  |  |  |  |  |  |  | 1,566 |  |  |  | 6 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 32,155 |  |  |  | 461 |
Commercial nonmortgage |  |  |  |  |  |  |  |  |  |  | 1,032 |  |  |  | 2 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 891 |  |  |  | 1 |
Home equity |  |  |  |  |  |  |  |  |  |  | 7,575 |  |  |  | 22 |
Automobile |  |  |  |  |  |  |  |  |  |  | 71 |  |  |  | – |
Unsecured |  |  |  |  |  |  |  |  |  |  | 504 |  |  |  | 1 |
|  |  |  |  |  |  |  |  |  |  | 265,103 |  |  |  | 1,484 |
|  |  |  |  |  |  |  |  |  | $ | 270,880 |  |  | $ | 1,484 |
(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 impairment 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 |
|  | 2022 |  |  | 2021 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,494 |  |  | $ | 94 |  |  | $ | 94 |  |  | $ | 3,941 |  |  | $ | 120 |  |  | $ | 120 |
Multi-family |  |  | 610 |  |  |  | 16 |  |  |  | 16 |  |  |  | 662 |  |  |  | 18 |  |  |  | 18 |
Construction |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 32 |  |  |  | – |  |  |  | – |
Farm |  |  | 274 |  |  |  | – |  |  |  | – |  |  |  | 300 |  |  |  | 23 |  |  |  | 23 |
Nonresidential real estate |  |  | 1,229 |  |  |  | 40 |  |  |  | 40 |  |  |  | 648 |  |  |  | 24 |  |  |  | 24 |
Consumer and other |  |  | 54 |  |  |  | 1 |  |  |  | 1 |  |  |  | 9 |  |  |  | – |  |  |  | – |
Purchased credit-impaired loans |  |  | 546 |  |  |  | 19 |  |  |  | 19 |  |  |  | 709 |  |  |  | 40 |  |  |  | 40 |
|  |  | 6,207 |  |  |  | 170 |  |  |  | 170 |  |  |  | 6,301 |  |  |  | 225 |  |  |  | 225 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 6,207 |  |  | $ | 170 |  |  | $ | 170 |  |  | $ | 6,301 |  |  | $ | 225 |  |  | $ | 225 |
(in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Cash Basis Income Recognized |
|  | 2022 |  |  | 2021 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,329 |  |  | $ | 83 |  |  | $ | 83 |  |  | $ | 3,971 |  |  | $ | 36 |  |  | $ | 36 |
Multi-family |  |  | 577 |  |  |  | 5 |  |  |  | 5 |  |  |  | 655 |  |  |  | 6 |  |  |  | 6 |
Farm |  |  | 274 |  |  |  | – |  |  |  | – |  |  |  | 291 |  |  |  | – |  |  |  | – |
Nonresidential real estate |  |  | 1,215 |  |  |  | 12 |  |  |  | 12 |  |  |  | 641 |  |  |  | 17 |  |  |  | 17 |
Consumer and other |  |  | 57 |  |  |  | 1 |  |  |  | 1 |  |  |  | 9 |  |  |  | – |  |  |  | – |
Purchased credit-impaired loans |  |  | 487 |  |  |  | 5 |  |  |  | 5 |  |  |  | 676 |  |  |  | 16 |  |  |  | 16 |
|  |  | 5,939 |  |  |  | 106 |  |  |  | 106 |  |  |  | 6,243 |  |  |  | 75 |  |  |  | 75 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  |  |  |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 5,939 |  |  | $ | 106 |  |  | $ | 106 |  |  | $ | 6,243 |  |  | $ | 75 |  |  | $ | 75 |
Schedule of purchased credit impaired loans |
|  | March 31, 2022 |  |  | 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 |  | $ | 3,589 |  |  | $ | 121 |  |  | $ | 4,104 |  |  | $ | 243 |
Multifamily |  |  | 574 |  |  |  |  |  |  |  | 646 |  |  |  | – |
Construction |  |  | – |  |  |  |  |  |  |  | – |  |  |  | – |
Farm |  |  | 273 |  |  |  |  |  |  |  | 274 |  |  |  | – |
Nonresidential real estate and land |  |  | 1,090 |  |  |  |  |  |  |  | 1,367 |  |  |  | – |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  | – |  |  |  | – |
Consumer |  |  | 91 |  |  |  |  |  |  |  | 21 |  |  | $ | – |
|  | $ | 5,617 |  |  | $ | 121 |  |  | $ | 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 |
Nine months ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
Chapter 7 bankruptcy |  | $ | 143 |  |  | $ | – |  |  | $ | 143 |
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 |  | $ | 2,651 |  |  | $ | 981 |  |  | $ | 3,632 |  |  | $ | 205,712 |  |  | $ | 209,344 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 13,298 |  |  |  | 13,298 |
Construction |  |  | 72 |  |  |  | – |  |  |  | 72 |  |  |  | 1,819 |  |  |  | 1,891 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,097 |  |  |  | 1,097 |
Farm |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,839 |  |  |  | 1,839 |
Nonresidential real estate |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 33,246 |  |  |  | 33,246 |
Commercial non-mortgage |  |  | 20 |  |  |  | – |  |  |  | 20 |  |  |  | 1,012 |  |  |  | 1,032 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 891 |  |  |  | 891 |
Home equity |  |  | 14 |  |  |  | 71 |  |  |  | 85 |  |  |  | 7,577 |  |  |  | 7,662 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 71 |  |  |  | 71 |
Unsecured |  |  | 8 |  |  |  | – |  |  |  | 8 |  |  |  | 501 |  |  |  | 509 |
Total |  | $ | 2,765 |  |  | $ | 1,052 |  |  | $ | 3,817 |  |  | $ | 267,063 |  |  | $ | 270,880 |
(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 nonmortgage |  |  | 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 |  | $ | 203,430 |  |  | $ | 199 |  |  | $ | 5,715 |  |  | $ | – |
Multi-family |  |  | 13,024 |  |  |  | – |  |  |  | 274 |  |  |  | – |
Construction |  |  | 1,891 |  |  |  | – |  |  |  | – |  |  |  | – |
Land |  |  | 1,097 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 1,566 |  |  |  | – |  |  |  | 273 |  |  |  | – |
Nonresidential real estate |  |  | 31,449 |  |  |  | 707 |  |  |  | 1,090 |  |  |  | – |
Commercial nonmortgage |  |  | 1,032 |  |  |  | – |  |  |  | – |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 891 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 7,540 |  |  |  | – |  |  |  | 122 |  |  |  | – |
Automobile |  |  | 71 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 504 |  |  |  | – |  |  |  | 5 |  |  |  | – |
|  | $ | 262,495 |  |  | $ | 906 |  |  | $ | 7,479 |  |  | $ | – |
(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) |  | March 31, 2022 |  |  | June 30, 2021 |
One- to four-family residential real estate |  | $ | 497 |  |  | $ | 595 |
Schedule of accretable yield, or income expected to be collected |
(in thousands) |  | Nine months ended March 31, 2022 |  |  | Twelve months ended June 30, 2021 |
Balance at beginning of period |  | $ | 390 |  |  | $ | 447 |
Accretion of income |  |  | (38) |  |  |  | (57 | )
Disposals, net of recoveries |  |  | -- |  |  |  | – |
Balance at end of period |  | $ | 352 |  |  | $ | 390 |

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