Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 747	$ 1,050
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	132	131
Accretion of purchased loan credit discount	(23)	(26)
Amortization of deferred loan origination costs (fees)	(3)	(139)
Amortization of premiums on investment securities	(11)	2
Net gain on sale of loans	(6)	(208)
Net (gain) loss on sale of real estate owned		8
Net (gain) loss on sale of property & equipment	(10)
ESOP compensation expense	5	70
Earnings on bank-owned life insurance	(41)	(40)
Provision for loan losses	113
Origination of loans held for sale	(157)	(4,146)
Proceeds from loans held for sale	315	5,076
Increase (decrease) in cash, due to changes in:
Accrued interest receivable	(191)	45
Prepaid expenses and other assets	(51)	(20)
Accrued interest payable	3	(4)
Other liabilities	(47)	(171)
Income taxes	28	(203)
Net cash provided by operating activities	803	1,425
Cash flows from investing activities:
Purchase of investments available for sale	(4,974)
Maturities of time deposits in other financial institutions		247
Securities maturities, prepayments and calls:
Held to maturity	33	49
Available for sale	1,468	3
Proceeds from sale of FHLB stock	1,549
Purchase of FHLB stock	(44)
Loans originated for investment, net of principal collected	(24,468)	21,347
Proceeds from sale of property and equipment held for sale	180
Proceeds from sale of real estate owned		58
Additions to premises and equipment, net	(116)	(80)
Net cash provided by (used in) investing activities	(26,372)	21,624
Cash flows from financing activities:
Net increase (decrease) in deposits	(30,474)	9,995
Payments by borrowers for taxes and insurance, net	(495)	(592)
Proceeds from Federal Home Loan Bank advances	94,800	8,000
Repayments on Federal Home Loan Bank advances	(55,638)	(16,051)
Treasury stock purchased	(108)	(61)
Dividends paid on common stock	(685)	(696)
Net cash provided by financing activities	7,400	595
Net increase (decrease) in cash and cash equivalents	(18,169)	23,644
Beginning cash and cash equivalents	25,823	21,648
Ending cash and cash equivalents	7,654	45,292
Cash paid during the period for:
Income taxes	200	500
Interest on deposits and borrowings	1,133	921
Transfers of loans to real estate owned, net		35
Loans made on sale of real estate owned		$ 32

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