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Loans Receivable (Tables) | 6 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Schedule of loan portfolio |
|  | December 31, |  |  | June 30, |
(in thousands) |  | 2022 |  |  | 2022 |
Residential real estate |  |  |  |  |  |
One- to four-family |  | $ | 231,669 |  |  | $ | 216,432 |
Multi-family |  |  | 20,123 |  |  |  | 14,252 |
Construction |  |  | 5,685 |  |  |  | 1,363 |
Land |  |  | 468 |  |  |  | 1,062 |
Farm |  |  | 1,305 |  |  |  | 1,338 |
Nonresidential real estate |  |  | 30,433 |  |  |  | 31,441 |
Commercial nonmortgage |  |  | 1,051 |  |  |  | 1,006 |
Consumer and other: |  |  |  |  |  |  |  |
Loans on deposits |  |  | 833 |  |  |  | 891 |
Home equity |  |  | 8,528 |  |  |  | 7,670 |
Automobile |  |  | 92 |  |  |  | 117 |
Unsecured |  |  | 432 |  |  |  | 540 |
|  |  | 300,619 |  |  |  | 276,112 |
Allowance for loan losses |  |  | (1,655 | ) |  |  | (1,529 | )
|  | $ | 298,964 |  |  | $ | 274,583 |
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 |  | $ | 800 |  |  | $ | (35 | ) |  | $ | – |  |  | $ | 13 |  |  | $ | 778 |
Multi-family |  |  | 231 |  |  |  | 132 |  |  |  | – |  |  |  | – |  |  |  | 363 |
Construction |  |  | 4 |  |  |  | 22 |  |  |  | – |  |  |  | – |  |  |  | 26 |
Land |  |  | 3 |  |  |  | (2 | ) |  |  | – |  |  |  | – |  |  |  | 1 |
Farm |  |  | 5 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 5 |
Nonresidential real estate |  |  | 461 |  |  |  | (4 | ) |  |  | – |  |  |  | – |  |  |  | 457 |
Commercial nonmortgage |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Home equity |  |  | 21 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 21 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Totals |  | $ | 1,529 |  |  | $ | 113 |  |  | $ | – |  |  | $ | 13 |  |  | $ | 1,655 |
(in thousands) |  | Beginning balance |  |  | Provision for loan losses |  |  | Loans charged off |  |  | Recoveries |  |  | Ending balance |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 808 |  |  | $ | (43 | ) |  | $ | – |  |  | $ | 13 |  |  | $ | 778 |
Multi-family |  |  | 381 |  |  |  | (18 | ) |  |  | – |  |  |  | – |  |  |  | 363 |
Construction |  |  | 14 |  |  |  | 12 |  |  |  | – |  |  |  | – |  |  |  | 26 |
Land |  |  | – |  |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | 1 |
Farm |  |  | 6 |  |  |  | (1 | ) |  |  | – |  |  |  | – |  |  |  | 5 |
Nonresidential real estate |  |  | 410 |  |  |  | 47 |  |  |  | – |  |  |  | – |  |  |  | 457 |
Commercial nonmortgage |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 2 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Home equity |  |  | 19 |  |  |  | 2 |  |  |  | – |  |  |  | – |  |  |  | 21 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 1 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Totals |  | $ | 1,642 |  |  | $ | – |  |  | $ | – |  |  | $ | 13 |  |  | $ | 1,655 |
(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 |
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 |  | $ | 3,247 |  |  | $ | 375 |  |  | $ | 3,622 |  |  | $ | – |
Multi-family |  |  | 558 |  |  |  | – |  |  |  | 558 |  |  |  | – |
Farm |  |  | 261 |  |  |  | – |  |  |  | 261 |  |  |  | – |
Nonresidential real estate |  |  | 1,057 |  |  |  | – |  |  |  | 1,057 |  |  |  | – |
|  |  | 5,123 |  |  |  | 375 |  |  |  | 5,498 |  |  |  | – |
Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 228,047 |  |  | $ | 778 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 19,565 |  |  |  | 363 |
Construction |  |  |  |  |  |  |  |  |  |  | 5,685 |  |  |  | 26 |
Land |  |  |  |  |  |  |  |  |  |  | 468 |  |  |  | 1 |
Farm |  |  |  |  |  |  |  |  |  |  | 1,044 |  |  |  | 5 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 29,376 |  |  |  | 457 |
Commercial nonmortgage |  |  |  |  |  |  |  |  |  |  | 1,051 |  |  |  | 2 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 833 |  |  |  | 1 |
Home equity |  |  |  |  |  |  |  |  |  |  | 8,528 |  |  |  | 21 |
Automobile |  |  |  |  |  |  |  |  |  |  | 92 |  |  |  | – |
Unsecured |  |  |  |  |  |  |  |  |  |  | 432 |  |  |  | 1 |
|  |  |  |  |  |  |  |  |  |  | 295,121 |  |  |  | 1,655 |
|  |  |  |  |  |  |  |  |  | $ | 300,619 |  |  | $ | 1,655 |
* | These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration since acquisition.
(in thousands) |  | Loans individually evaluated |  |  | Loans acquired with deteriorated credit quality* |  |  | Ending loans balance |  |  | Ending allowance attributed to loans |
Loans individually evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 3,221 |  |  | $ | 400 |  |  | $ | 3,621 |  |  | $ | – |
Multi-family |  |  | 570 |  |  |  | – |  |  |  | 570 |  |  |  | – |
Farm |  |  | 270 |  |  |  | – |  |  |  | 270 |  |  |  | – |
Nonresidential real estate |  |  | 1,073 |  |  |  | – |  |  |  | 1,073 |  |  |  | – |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 87 |  |  |  | – |  |  |  | 87 |  |  |  | – |
Unsecured |  |  | 5 |  |  |  | – |  |  |  | 5 |  |  |  | – |
|  |  | 5,226 |  |  |  | 400 |  |  |  | 5,626 |  |  |  | – |
Loans collectively evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |  |  |  | $ | 212,811 |  |  | $ | 800 |
Multi-family |  |  |  |  |  |  |  |  |  |  | 13,682 |  |  |  | 231 |
Construction |  |  |  |  |  |  |  |  |  |  | 1,363 |  |  |  | 4 |
Land |  |  |  |  |  |  |  |  |  |  | 1,062 |  |  |  | 3 |
Farm |  |  |  |  |  |  |  |  |  |  | 1,068 |  |  |  | 5 |
Nonresidential real estate |  |  |  |  |  |  |  |  |  |  | 30,368 |  |  |  | 461 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  | 1,006 |  |  |  | 2 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  |  |  |  |  |  |  |  |  | 891 |  |  |  | 1 |
Home equity |  |  |  |  |  |  |  |  |  |  | 7,583 |  |  |  | 21 |
Automobile |  |  |  |  |  |  |  |  |  |  | 117 |  |  |  | – |
Unsecured |  |  |  |  |  |  |  |  |  |  | 535 |  |  |  | 1 |
|  |  |  |  |  |  |  |  |  |  | 270,486 |  |  |  | 1,529 |
|  |  |  |  |  |  |  |  |  | $ | 276,112 |  |  | $ | 1,529 |
Schedule of carrying amount of those loans, net of a purchase credit discount |
(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 |  | $ | 3,234 |  |  | $ | 82 |  |  | $ | 82 |  |  | $ | 3,572 |  |  | $ | 67 |  |  | $ | 67 |
Multi-family |  |  | 564 |  |  |  | 10 |  |  |  | 10 |  |  |  | 613 |  |  |  | 11 |  |  |  | 11 |
Farm |  |  | 266 |  |  |  | – |  |  |  | – |  |  |  | 274 |  |  |  | – |  |  |  | – |
Nonresidential real estate |  |  | 1,065 |  |  |  | 29 |  |  |  | 29 |  |  |  | 1,353 |  |  |  | 30 |  |  |  | 30 |
Consumer |  |  | 46 |  |  |  | 4 |  |  |  | 4 |  |  |  | 19 |  |  |  | 1 |  |  |  | 1 |
Purchased credit-impaired loans |  |  | 387 |  |  |  | 11 |  |  |  | 11 |  |  |  | 536 |  |  |  | 15 |  |  |  | 15 |
|  |  | 5,562 |  |  |  | 136 |  |  |  | 136 |  |  |  | 6,367 |  |  |  | 124 |  |  |  | 124 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 5,562 |  |  | $ | 136 |  |  | $ | 136 |  |  | $ | 6,367 |  |  | $ | 124 |  |  | $ | 124 |
(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 |  | $ | 3,182 |  |  | $ | 61 |  |  | $ | 61 |  |  | $ | 3,476 |  |  | $ | 33 |  |  | $ | 33 |
Multi-family |  |  | 561 |  |  |  | 5 |  |  |  | 5 |  |  |  | 584 |  |  |  | 5 |  |  |  | 5 |
Farm |  |  | 261 |  |  |  | – |  |  |  | – |  |  |  | 273 |  |  |  | – |  |  |  | – |
Nonresidential real estate |  |  | 1,203 |  |  |  | 28 |  |  |  | 28 |  |  |  | 1,344 |  |  |  | 14 |  |  |  | 14 |
Consumer |  |  | – |  |  |  | 3 |  |  |  | 3 |  |  |  | 24 |  |  |  | 1 |  |  |  | 1 |
Purchased credit-impaired loans |  |  | 383 |  |  |  | 4 |  |  |  | 4 |  |  |  | 468 |  |  |  | 7 |  |  |  | 7 |
|  |  | 5,590 |  |  |  | 101 |  |  |  | 101 |  |  |  | 6,169 |  |  |  | 60 |  |  |  | 60 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |
|  | $ | 5,590 |  |  | $ | 101 |  |  | $ | 101 |  |  | $ | 6,169 |  |  | $ | 60 |  |  | $ | 60 |
Schedule of recorded investment in nonaccrual and loans |
|  | December 31, 2022 |  |  | June 30, 2022 |
(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 |  | $ | 3,512 |  |  | $ | 392 |  |  | $ | 3,528 |  |  | $ | 287 |
Multifamily |  |  | 558 |  |  |  | – |  |  |  | 570 |  |  |  | – |
Farm |  |  | 261 |  |  |  | – |  |  |  | 270 |  |  |  | – |
Nonresidential real estate and land |  |  | 1,058 |  |  |  | – |  |  |  | 1,073 |  |  |  | – |
Commercial and industrial |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |
Consumer |  |  | 3 |  |  |  | 295 |  |  |  | 90 |  |  |  | – |
|  | $ | 5,392 |  |  | $ | 687 |  |  | $ | 5,531 |  |  | $ | 288 |
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 |  | $ | 3,114 |  |  | $ | 1,940 |  |  | $ | 5,054 |  |  | $ | 226,615 |  |  | $ | 231,669 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 20,123 |  |  |  | 20,123 |
Construction |  |  | 221 |  |  |  | – |  |  |  | 221 |  |  |  | 5,464 |  |  |  | 5,685 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 468 |  |  |  | 468 |
Farm |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,305 |  |  |  | 1,305 |
Nonresidential real estate |  |  | 99 |  |  |  | – |  |  |  | 99 |  |  |  | 30,334 |  |  |  | 30,433 |
Commercial non-mortgage |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,051 |  |  |  | 1,051 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 833 |  |  |  | 833 |
Home equity |  |  | 49 |  |  |  | 267 |  |  |  | 316 |  |  |  | 8,212 |  |  |  | 8,528 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 92 |  |  |  | 92 |
Unsecured |  |  | 2 |  |  |  | 28 |  |  |  | 30 |  |  |  | 402 |  |  |  | 432 |
Total |  | $ | 3,485 |  |  | $ | 2,235 |  |  | $ | 5,720 |  |  | $ | 294,899 |  |  | $ | 300,619 |
(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 |  | $ | 2,662 |  |  | $ | 1,326 |  |  | $ | 3,988 |  |  | $ | 212,444 |  |  | $ | 216,432 |
Multi-family |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 14,252 |  |  |  | 14,252 |
Construction |  |  | 5 |  |  |  | – |  |  |  | 5 |  |  |  | 1,358 |  |  |  | 1,363 |
Land |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,062 |  |  |  | 1,062 |
Farm |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1,338 |  |  |  | 1,338 |
Nonresidential real estate |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 31,441 |  |  |  | 31,441 |
Commercial and industrial |  |  | 72 |  |  |  | 1 |  |  |  | 73 |  |  |  | 933 |  |  |  | 1,006 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 891 |  |  |  | 891 |
Home equity |  |  | 188 |  |  |  | 71 |  |  |  | 259 |  |  |  | 7,411 |  |  |  | 7,670 |
Automobile |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 117 |  |  |  | 117 |
Unsecured |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 540 |  |  |  | 540 |
|  | $ | 2,927 |  |  | $ | 1,398 |  |  | $ | 4,325 |  |  | $ | 271,787 |  |  | $ | 276,112 |
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 |  | $ | 225,899 |  |  | $ | 184 |  |  | $ | 5,586 |  |  | $ | – |
Multi-family |  |  | 19,565 |  |  |  | – |  |  |  | 558 |  |  |  | – |
Construction |  |  | 5,685 |  |  |  | – |  |  |  | – |  |  |  | – |
Land |  |  | 468 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 1,044 |  |  |  | – |  |  |  | 261 |  |  |  | – |
Nonresidential real estate |  |  | 28,683 |  |  |  | 693 |  |  |  | 1,057 |  |  |  | – |
Commercial nonmortgage |  |  | 1,051 |  |  |  | – |  |  |  | – |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 833 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 8,485 |  |  |  | – |  |  |  | 43 |  |  |  | – |
Automobile |  |  | 92 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 426 |  |  |  | – |  |  |  | 6 |  |  |  | – |
|  | $ | 292,231 |  |  | $ | 877 |  |  | $ | 7,511 |  |  | $ | – |
(in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
One- to four-family |  | $ | 210,830 |  |  | $ | 194 |  |  | $ | 5,408 |  |  | $ | – |
Multi-family |  |  | 13,682 |  |  |  | – |  |  |  | 570 |  |  |  | – |
Construction |  |  | 1,363 |  |  |  | – |  |  |  | – |  |  |  | – |
Land |  |  | 1,062 |  |  |  | – |  |  |  | – |  |  |  | – |
Farm |  |  | 1,068 |  |  |  | – |  |  |  | 270 |  |  |  | – |
Nonresidential real estate |  |  | 29,666 |  |  |  | 702 |  |  |  | 1,073 |  |  |  | – |
Commercial nonmortgage |  |  | 1,006 |  |  |  | – |  |  |  | – |  |  |  | – |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans on deposits |  |  | 891 |  |  |  | – |  |  |  | – |  |  |  | – |
Home equity |  |  | 7,548 |  |  |  | – |  |  |  | 122 |  |  |  | – |
Automobile |  |  | 117 |  |  |  | – |  |  |  | – |  |  |  | – |
Unsecured |  |  | 535 |  |  |  | – |  |  |  | 5 |  |  |  | – |
|  | $ | 267,768 |  |  | $ | 896 |  |  | $ | 7,448 |  |  | $ | – |
Schedule of carrying amount of those loans, net of a purchase credit discount |
(in thousands) |  | December 31, 2022 |  |  | June 30, 2022 |
One- to four-family residential real estate |  | $ | 375 |  |  | $ | 400 |
Schedule of accretable yield, or income expected to be collected |
(in thousands) |  | Six months ended December 31, 2022 |  |  | Twelve months ended June 30, 2022 |
Balance at beginning of period |  | $ | 339 |  |  | $ | 390 |
Accretion of income |  |  | (23 | ) |  |  | (51 | )
Balance at end of period |  | $ | 316 |  |  | $ | 339 |

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