Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 1,384	$ 1,128
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	194	218
Accretion of purchased loan credit discount	(38)	(43)
Amortization of purchased loan premium		26
Amortization of deferred loan origination costs (fees)	(88)	(1)
Amortization of premiums on investment securities	2	7
Net gain on sale of loans	(231)	(280)
Net loss on sale of real estate owned	8	18
Valuation adjustments of real estate owned		19
ESOP compensation expense	72	60
Earnings on bank-owned life insurance	(59)	(58)
Provision (credit) for loan losses	(106)	192
Origination of loans held for sale	(6,283)	(6,468)
Proceeds from loans held for sale	6,479	6,154
Increase (decrease) in cash, due to changes in:
Accrued interest receivable	63	103
Prepaid expenses and other assets	(118)	104
Accrued interest payable	(4)	(2)
Other liabilities	(63)	123
Income taxes	(68)	(41)
Net cash provided by operating activities	1,144	1,259
Cash flows from investing activities:
Maturities of time deposits in other financial institutions	247	1,982
Securities maturities, prepayments and calls:
Held to maturity	102	100
Available for sale	4	506
Loans originated for investment, net of principal collected	28,724	(13,767)
Proceeds from sale of real estate owned	26	753
Additions to real estate owned		(1)
Additions to premises and equipment, net	(127)	(68)
Net cash provided by (used in) investing activities	28,976	(10,495)
Cash flows from financing activities:
Net increase in deposits	11,799	13,270
Payments by borrowers for taxes and insurance, net	(309)	(240)
Proceeds from Federal Home Loan Bank advances	8,000	38,600
Repayments on Federal Home Loan Bank advances	(24,091)	(40,122)
Treasury stock purchased	(61)	(167)
Dividends paid on common stock	(1,045)	(1,040)
Net cash provided by (used in) financing activities	(5,707)	10,301
Net increase in cash and cash equivalents	24,413	1,065
Beginning cash and cash equivalents	21,648	13,702
Ending cash and cash equivalents	46,061	14,767
Cash paid during the period for:
Federal income taxes	500	191
Interest on deposits and borrowings	1,344	1,662
Transfers of loans to real estate owned, net	45	327
Loans made on sale of real estate owned	$ 32	$ 37

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