Provident Financial (PROV) 10-Q 8 Feb 19 2019 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Dec. 31, 2018	Feb. 04, 2019
Document and Entity Information
Entity Registrant Name	PROVIDENT FINANCIAL HOLDINGS INC
Entity Central Index Key	1,010,470
Trading Symbol	prov
Current Fiscal Year End Date	--06-30
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		7,509,855
Document Type	10-Q
Document Period End Date	Dec. 31, 2018
Amendment Flag	false
Document Fiscal Year Focus	2,019
Document Fiscal Period Focus	Q2
Entity Small Business	true
Entity Emerging Growth Company	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Assets
Cash and cash equivalents	$ 67,359	$ 43,301
Investment securities - held to maturity, at cost	84,990	87,813
Investment securities - available for sale, at fair value	6,563	7,496
Loans held for investment, net of allowance for loan losses of $7,061 and $7,385, respectively; includes $4,995 and $5,234 at fair value, respectively	875,413	902,685
Loans held for sale, at fair value	57,562	96,298
Accrued interest receivable	3,156	3,212
Real estate owned, net		906
Federal Home Loan Bank ("FHLB") - San Francisco stock	8,199	8,199
Premises and equipment, net	8,601	8,696
Prepaid expenses and other assets	15,327	16,943
Total assets	1,127,170	1,175,549
Liabilities:
Non interest-bearing deposits	78,866	86,174
Interest-bearing deposits	794,018	821,424
Total deposits	872,884	907,598
Borrowings	111,135	126,163
Accounts payable, accrued interest and other liabilities	20,474	21,331
Total liabilities	1,004,493	1,055,092
Commitments and Contingencies (Notes 7 and 11)
Stockholders' equity:
Preferred stock, $.01 par value (2,000,000 shares authorized; none issued and outstanding)
Common stock, $.01 par value (40,000,000 shares authorized; 18,053,115 and 18,033,115 shares issued; 7,506,855 and 7,421,426 shares outstanding, respectively)	181	181
Additional paid-in capital	95,913	94,957
Retained earnings	192,306	190,616
Treasury stock at cost (10,546,260 and 10,611,689 shares, respectively)	(165,892)	(165,507)
Accumulated other comprehensive income, net of tax	169	210
Total stockholders' equity	122,677	120,457
Total liabilities and stockholders' equity	$ 1,127,170	$ 1,175,549

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Statement of Financial Position [Abstract]
Allowance for loan losses on Loans held for investment (in dollars)	$ 7,061	$ 7,385
Loans held for investment fair value (in dollars)	$ 4,995	$ 5,234
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock shares authorized	2,000,000	2,000,000
Preferred stock shares issued	0	0
Preferred stock shares outstanding	0	0
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock shares authorized	40,000,000	40,000,000
Common stock shares issued	18,053,115	18,033,115
Common stock shares outstanding	7,506,855	7,421,426
Treasury stock shares	10,546,260	10,611,689

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands		3 Months Ended				6 Months Ended
		Dec. 31, 2018		Dec. 31, 2017		Dec. 31, 2018		Dec. 31, 2017
Interest income:
Loans receivable, net		$ 10,331		$ 9,735		$ 20,505		$ 19,892
Investment securities		444		319		789		576
FHLB - San Francisco stock		278		143		421		284
Interest-earning deposits		387		168		725		358
Total interest income		11,440		10,365		22,440		21,110
Interest expense:
Checking and money market deposits		117		112		225		215
Savings deposits		147		149		298		298
Time deposits		630		625		1,251		1,264
Borrowings		715		728		1,478		1,464
Total interest expense		1,609		1,614		3,252		3,241
Net interest income		9,831		8,751		19,188		17,869
(Recovery) provision for loan losses		(217)		(11)		(454)		158
Net interest income, after (recovery) provision for loan losses		10,048		8,762		19,642		17,711
Non-interest income:
Gain on sale of loans, net	[2]	2,263	[1]	4,317	[3]	5,395	[4]	9,164	[5]
Loss on sale and operations of real estate owned acquired in the settlement of loans, net		(7)		(22)		(6)		(62)
Other		161		220		350		463
Total non-interest income		3,595		5,741		8,144		12,093
Non-interest expense:
Salaries and employee benefits		7,211		8,633		15,461		17,902
Premises and occupancy		1,274		1,260		2,619		2,574
Equipment		495		375		916		737
Professional expenses		411		521		858		1,041
Sales and marketing expenses		253		301		422		504
Deposit insurance premiums and regulatory assessments		172		218		337		402
Other	[6]	1,059		1,905		1,966		5,787
Total non-interest expense		10,875		13,213		22,579		28,947
Income before income taxes		2,768		1,290		5,207		857
Provision for income taxes	[7]	810		2,067		1,426		1,859
Net income (loss)		$ 1,958		$ (777)		$ 3,781		$ (1,002)
Basic earnings (loss) per share (in dollars per share)		$ 0.26		$ (0.10)		$ 0.51		$ (0.13)
Diluted earnings (loss) per share (in dollars per share)		0.26		(0.10)		0.50		(0.13)
Cash dividends per share (in dollars per share)		$ 0.14		$ 0.14		$ 0.28		$ 0.28
Loan servicing and other fees
Non-interest income:
Total non-interest income	[2]	$ 277	[8]	$ 317	[9]	$ 601	[10]	$ 680	[11]
Deposit account fees
Non-interest income:
Total non-interest income		509		536		1,014		1,094
Card and processing fees
Non-interest income:
Total non-interest income		$ 392		$ 373		$ 790		$ 754
[1]	Includes an inter-company charge of $14 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[2]	Not in scope of ASC 606.
[3]	Includes an inter-company charge of $79 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[4]	Includes an inter-company charge of $20 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[5]	Includes an inter-company charge of $138 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[6]	Includes $650,000 and $3.4 million of litigation settlement expense for the quarter and six months ended December 31, 2017, respectively.
[7]	Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for both the quarter and six months ended December 31, 2017.
[8]	Includes an inter-company charge of $258 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[9]	Includes an inter-company charge of $99 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[10]	Includes an inter-company charge of $426 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[11]	Includes an inter-company charge of $339 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Operations (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Dec. 31, 2017	Dec. 31, 2017
Income Statement [Abstract]
Litigation settlement expense	$ 650	$ 3,400
Revaluation of net deferred tax assets	$ 1,800	$ 1,800

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 1,958	$ (777)	$ 3,781	$ (1,002)
Change in unrealized holding loss on securities available for sale	(28)	(80)	(58)	(78)
Reclassification adjustment for net loss on securities available for sale included in net loss		45		45
Other comprehensive loss, before income taxes	(28)	(35)	(58)	(33)
Income tax benefit	(8)	(15)	(17)	(14)
Other comprehensive loss	(20)	(20)	(41)	(19)
Total comprehensive income (loss)	$ 1,938	$ (797)	$ 3,740	$ (1,021)

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands		Common Stock	Additional Paid-In Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income (Loss), Net of Tax	Total
Balance at Jun. 30, 2017		$ 180	$ 93,209	$ 192,754	$ (158,142)	$ 229	$ 128,230
Balance (in shares) at Jun. 30, 2017		7,714,052
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				(1,002)			(1,002)
Other comprehensive loss						(19)	(19)
Purchase of treasury stock					(5,152)		(5,152)
Purchase of treasury stock (in shares)		(266,526)
Exercise of stock options			261				261
Exercise of stock options (in shares)		27,250
Amortization of restricted stock			291				291
Forfeiture of restricted stock			17		(17)
Stock options expense			233				233
Cash dividends	[1]			(2,142)			(2,142)
Balance at Dec. 31, 2017		$ 180	94,011	189,610	(163,311)	210	120,700
Balance (in shares) at Dec. 31, 2017		7,474,776
Balance at Sep. 30, 2017		$ 180	93,669	191,451	(160,609)	230	124,921
Balance (in shares) at Sep. 30, 2017		7,609,552
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)					(777)		(777)
Other comprehensive loss						(20)	(20)
Purchase of treasury stock					(2,702)		(2,702)
Purchase of treasury stock (in shares)		(140,526)
Exercise of stock options			84				84
Exercise of stock options (in shares)		5,750
Amortization of restricted stock			142				142
Stock options expense			116				116
Cash dividends	[2]			(1,064)			(1,064)
Balance at Dec. 31, 2017		$ 180	94,011	189,610	(163,311)	210	120,700
Balance (in shares) at Dec. 31, 2017		7,474,776
Balance at Jun. 30, 2018		$ 181	94,957	190,616	(165,507)	210	$ 120,457
Balance (in shares) at Jun. 30, 2018		7,421,426					7,421,426
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				3,781			$ 3,781
Other comprehensive loss						(41)	(41)
Purchase of treasury stock	[3]				(385)		(385)
Purchase of treasury stock (in shares)	[3]	(21,071)
Exercise of stock options			226				226
Exercise of stock options (in shares)		20,000
Distribution of restricted stock (in shares)		86,500
Amortization of restricted stock			397				397
Stock options expense			333				333
Cash dividends	[4]			(2,091)			(2,091)
Balance at Dec. 31, 2018		$ 181	95,913	192,306	(165,892)	169	$ 122,677
Balance (in shares) at Dec. 31, 2018		7,506,855					7,506,855
Balance at Sep. 30, 2018		$ 181	95,795	191,399	(165,884)	189	$ 121,680
Balance (in shares) at Sep. 30, 2018		7,500,860
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				1,958			1,958
Other comprehensive loss						(20)	(20)
Purchase of treasury stock	[5]				(8)		(8)
Purchase of treasury stock (in shares)	[5]	(505)
Exercise of stock options			73				73
Exercise of stock options (in shares)		5,000
Distribution of restricted stock (in shares)		1,500
Amortization of restricted stock			33				33
Stock options expense			12				12
Cash dividends	[6]			(1,051)			(1,051)
Balance at Dec. 31, 2018		$ 181	$ 95,913	$ 192,306	$ (165,892)	$ 169	$ 122,677
Balance (in shares) at Dec. 31, 2018		7,506,855					7,506,855
[1]	Cash dividends of $0.28 per share were paid in the six months ended December 31, 2017.
[2]	Cash dividends of $0.14 per share were paid in the quarter ended December 31, 2017.
[3]	Includes the repurchase of 21,071 shares of distributed restricted stock in settlement of employee withholding tax obligations.
[4]	Cash dividends of $0.28 per share were paid in the six months ended December 31, 2018.
[5]	Includes the repurchase of 505 shares of distributed restricted stock in settlement of employee withholding tax obligations.
[6]	Cash dividends of $0.14 per share were paid in the quarter ended December 31, 2018.

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Number of shares repurchase of distributed restricted stock in settlement of employee withholding tax obligations	505		21,071
Cash dividends per share	$ 0.14	$ 0.14	$ 0.28	$ 0.28

Condensed Consolidated Statem_8

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		6 Months Ended
		Dec. 31, 2018		Dec. 31, 2017
Cash flows from operating activities:
Net income (loss)		$ 3,781		$ (1,002)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization		1,664		1,582
(Recovery) provision for loan losses		(454)		158
Recovery of losses on real estate owned				(552)
Gain on sale of loans, net	[2]	(5,395)	[1]	(9,164)	[3]
(Gain) loss on sale of real estate owned, net		(9)		580
Stock-based compensation		730		524
Provision (benefit) for deferred income taxes		733		(79)
(Decrease) increase in accounts payable, accrued interest and other liabilities		(482)		3,278
Decrease (increase) in prepaid expenses and other assets		546		(306)
Loans originated for sale		(342,738)		(724,156)
Proceeds from sale of loans		386,778		753,571
Net cash provided by operating activities		45,154		24,434
Cash flows from investing activities:
Decrease in loans held for investment, net		27,554		17,548
Maturity of investment securities held to maturity		200
Principal payments from investment securities held to maturity		15,782		10,837
Principal payments from investment securities available for sale		875		885
Purchase of investment securities held to maturity		(13,669)		(38,511)
Proceeds from sale of real estate owned		915		1,587
Purchase of premises and equipment		(348)		(1,589)
Net cash provided by (used for) investing activities		31,309		(9,243)
Cash flows from financing activities:
Decrease in deposits, net		(34,714)		(18,733)
Repayments of short-term borrowings, net		(15,000)		(15,000)
Repayments of long-term borrowings		(28)		(37)
Exercise of stock options		226		261
Withholding taxes on stock based compensation		(413)		(41)
Cash dividends		(2,091)		(2,142)
Treasury stock purchases		(385)		(5,152)
Net cash used for financing activities		(52,405)		(40,844)
Net increase (decrease) in cash and cash equivalents		24,058		(25,653)
Cash and cash equivalents at beginning of period		43,301		72,826
Cash and cash equivalents at end of period		67,359		47,173
Supplemental information:
Cash paid for interest		3,263		3,252
Cash paid for income taxes		1,525		2,350
Transfer of loans held for sale to held for investment		$ 724		521
Real estate acquired in the settlement of loans				$ 700
[1]	Includes an inter-company charge of $20 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[2]	Not in scope of ASC 606.
[3]	Includes an inter-company charge of $138 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.

Basis of Presentation

Basis of Presentation	6 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Basis of Presentation	Note 1: Basis of Presentation The unaudited interim condensed consolidated financial statements included herein reflect all adjustments which are, in the opinion of management, necessary to present a fair statement of the results of operations for the interim periods presented. All such adjustments are of a normal, recurring nature. The condensed consolidated statement of financial condition at June 30, 2018 is derived from the audited consolidated financial statements of Provident Financial Holdings, Inc. and its wholly-owned subsidiary, Provident Savings Bank, F.S.B. (the “Bank”) (collectively, the “Corporation”). Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been omitted pursuant to the rules and regulations of the United States Securities and Exchange Commission (“SEC”) with respect to interim financial reporting. It is recommended that these unaudited interim condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s Annual Report on Form 10-K for the year ended June 30, 2018. The results of operations for the quarter and six months ended December 31, 2018 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2019.

Accounting Standard Updates ("A

Accounting Standard Updates ("ASU")	6 Months Ended
	Dec. 31, 2018
Accounting Changes and Error Corrections [Abstract]
Accounting Standard Updates ("ASU")	Note 2: Accounting Standard Updates (“ASU”) There have been no accounting standard updates or changes in the status of their adoption that are significant to the Corporation as previously disclosed in Note 1 of the Corporation's Annual Report on Form 10-K for the year ended June 30, 2018, other than: ASU 2014-09: In May 2014, the Financial Accounting Standards Board ("FASB") issued ASU 2014-09, "Revenue from Contracts with Customers," which created FASB Accounting Standards Codification (ASC) Topic 606 ("ASC 606"). ASC 606 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASC 606 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (1) identify the contract(s) with a customer, (2) identify the performance obligations in the contract, (3) determine the transaction price, (4) allocate the transaction price to the performance obligations in the contract and (5) recognize revenue when (or as) the entity satisfies a performance obligation. ASC 606 was effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2017. The Corporation adopted ASC 606 on July 1, 2018 using the modified retrospective approach. Therefore, the comparative information has not been adjusted and continues to be reported under superseded ASC 605. There was no cumulative effect adjustment as of July 1, 2018, and there were no material changes to the timing or amount of revenue recognized for the six months ended December 31, 2018; however, additional disclosures were incorporated in the footnotes upon adoption. The majority of the Company's revenue is comprised of interest income from financial assets, which is explicitly excluded from the scope of ASC 606. The Corporation elected to apply the practical expedient pursuant to ASC 606 and therefore does not disclose information about remaining performance obligations that have an original expected term of one year or less and allows the Corporation to expense costs related to obtaining a contract as incurred when the original amortization period would have been one year or less. See Note 12 for additional discussion. ASU 2018-11 In February 2016, the FASB issued ASU 2016-02, "Leases (Topic 842)." This ASU introduces a lessee model that brings most leases on the balance sheet and aligns many of the underlying principles of the new lessor model with those in the new revenue recognition standard, ASC 606, Revenue From Contracts With Customers. The new leases standard represents a wholesale change to lease accounting and will most likely result in significant implementation challenges during the transition period and beyond. This ASU will be effective for annual periods beginning after December 15, 2018 (i.e., calendar periods beginning on January 1, 2019), and interim periods therein, early adoption is permitted. In July 2018, the FASB issued ASU 2018-11, Leases, Targeted Improvements, which allows entities the option of initially applying the new leases standard at the adoption date (such as January 1, 2019, for calendar year- end public business entities) and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. The Corporation plans to adopt ASU 2018-11 on July 1, 2019. Management is currently assessing the impact of ASU 2016-02 on the Corporation's financial position and results of operations but does not believe that adoption of ASU 2018-11 will have a material impact on its consolidated financial statements. ASU 2018-13 In August 2018, the FASB issued ASU 2018-13, Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement, which modifies disclosure requirements on fair value measurements to improve their effectiveness. The guidance permits entities to consider materiality when evaluating fair value measurement disclosures and, among other modifications, requires certain new disclosures related to Level 3 fair value measurements. The guidance will be effective beginning January 1, 2020, with early adoption permitted. The guidance only affects disclosures in the notes to the consolidated financial statements and will not affect the Corporation’s financial position or results of operations.

Earnings (Loss) Per Share

Earnings (Loss) Per Share	6 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Earnings (Loss) Per Share	Note 3: Earnings (Loss) Per Share Basic earnings (loss) per share ("EPS") excludes dilution and is computed by dividing income available to common shareholders by the weighted-average number of shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that would then share in the earnings of the entity. As of December 31, 2018 and 2017, there were outstanding options to purchase 509,000 shares and 585,500 shares of the Corporation's common stock, respectively. Of those shares, as of December 31, 2018 and 2017, there were 45,000 shares and 585,500 shares, respectively, which were excluded from the diluted EPS computation as their effect was anti-dilutive. As of December 31, 2018, there were outstanding restricted stock awards of 12,000 shares which have a dilutive effect; and as of December 31, 2017, there were outstanding restricted stock awards of 109,000 shares with no dilutive effect. The following table provides the basic and diluted EPS computations for the quarters and six months ended December 31, 2018 and 2017, respectively. (In Thousands, Except Earnings Per Share) For the Quarters Ended For the Six Months Ended 2018 2017 2018 2017 Numerator: Net income (loss) – numerator for basic earnings per share and diluted earnings per share - available to common stockholders $ 1,958 $ (777 ) $ 3,781 $ (1,002 ) Denominator: Denominator for basic earnings per share: Weighted-average shares 7,506 7,566 7,468 7,630 Effect of dilutive shares: Stock options 89 — 90 — Restricted stock 7 — 21 — Denominator for diluted earnings per share: Adjusted weighted-average shares and assumed conversions 7,602 7,566 7,579 7,630 Basic (loss) earnings per share $ 0.26 $ (0.10 ) $ 0.51 $ (0.13 ) Diluted (loss) earnings per share $ 0.26 $ (0.10 ) $ 0.50 $ (0.13 )

Operating Segment Reports

Operating Segment Reports	6 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Operating Segment Reports	Note 4: Operating Segment Reports The Corporation operates in two business segments: community banking through the Bank and mortgage banking through Provident Bank Mortgage ("PBM"), a division of the Bank. The following tables set forth condensed consolidated statements of operations and total assets for the Corporation's operating segments for the quarters and six months ended December 31, 2018 and 2017, respectively. For the Quarter Ended December 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 9,525 $ 306 $ 9,831 Recovery from the allowance for loan losses (217 ) — (217 ) Net interest income, after recovery from the allowance for loan losses 9,742 306 10,048 Non-interest income: Loan servicing and other fees (1) (149 ) 426 277 Gain on sale of loans, net (2) — 2,263 2,263 Deposit account fees 509 — 509 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (7 ) — (7 ) Card and processing fees 392 — 392 Other 161 — 161 Total non-interest income 906 2,689 3,595 Non-interest expense: Salaries and employee benefits 4,300 2,911 7,211 Premises and occupancy 897 377 1,274 Operating and administrative expenses 1,067 1,323 2,390 Total non-interest expense 6,264 4,611 10,875 Income (loss) before income taxes 4,384 (1,616 ) 2,768 Provision (benefit) for income taxes 1,287 (477 ) 810 Net income (loss) $ 3,097 $ (1,139 ) $ 1,958 Total assets, end of period $ 1,069,379 $ 57,791 $ 1,127,170 (1) Includes an inter-company charge of $258 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $14 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. For the Quarter Ended December 31, 2017 (In Thousands) Provident Provident Consolidated Net interest income $ 8,217 $ 534 $ 8,751 Recovery from the allowance for loan losses (11 ) — (11 ) Net interest income, after recovery from the allowance for loan losses 8,228 534 8,762 Non-interest income: Loan servicing and other fees (1) 108 209 317 Gain on sale of loans, net (2) 22 4,295 4,317 Deposit account fees 536 — 536 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (22 ) — (22 ) Card and processing fees 373 — 373 Other 220 — 220 Total non-interest income 1,237 4,504 5,741 Non-interest expense: Salaries and employee benefits 4,449 4,184 8,633 Premises and occupancy 822 438 1,260 Operating and administrative expenses (3) 1,189 2,131 3,320 Total non-interest expense 6,460 6,753 13,213 Income (loss) before income taxes 3,005 (1,715 ) 1,290 Provision (benefit) for income taxes (4) 2,532 (465 ) 2,067 Net income (loss) $ 473 $ (1,250 ) $ (777 ) Total assets, end of period $ 1,065,204 $ 96,927 $ 1,162,131 (1) Includes an inter-company charge of $99 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $79 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (3) Includes $650,000 of litigation settlement expense for the second quarter of fiscal 2018, all of which was allocated to PBM. (4) Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the quarter ended December 31, 2017. For the Six Months Ended December 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 18,525 $ 663 $ 19,188 (Recovery) provision for loan losses (549 ) 95 (454 ) Net interest income, after (recovery) provision for loan losses 19,074 568 19,642 Non-interest income: Loan servicing and other fees (1) (16 ) 617 601 Gain on sale of loans, net (2) 34 5,361 5,395 Deposit account fees 1,014 — 1,014 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (6 ) — (6 ) Card and processing fees 790 — 790 Other 350 — 350 Total non-interest income 2,166 5,978 8,144 Non-interest expense: Salaries and employee benefits 9,136 6,325 15,461 Premises and occupancy 1,805 814 2,619 Operating and administrative expenses 1,993 2,506 4,499 Total non-interest expense 12,934 9,645 22,579 Income (loss) before income taxes 8,306 (3,099 ) 5,207 Provision (benefit) for income taxes 2,342 (916 ) 1,426 Net income (loss) $ 5,964 $ (2,183 ) $ 3,781 Total assets, end of period $ 1,069,379 $ 57,791 $ 1,127,170 (1) Includes an inter-company charge of $426 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $20 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. For the Six Months Ended December 31, 2017 (In Thousands) Provident Provident Consolidated Net interest income $ 16,767 $ 1,102 $ 17,869 Provision for loan losses 158 — 158 Net interest income, after provision for loan losses 16,609 1,102 17,711 Non-interest income: Loan servicing and other fees (1) 155 525 680 Gain on sale of loans, net (2) 22 9,142 9,164 Deposit account fees 1,094 — 1,094 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (62 ) — (62 ) Card and processing fees 754 — 754 Other 463 — 463 Total non-interest income 2,426 9,667 12,093 Non-interest expense: Salaries and employee benefits 8,951 8,951 17,902 Premises and occupancy 1,649 925 2,574 Operating and administrative expenses (3) 3,440 5,031 8,471 Total non-interest expense 14,040 14,907 28,947 Income (loss) before income taxes 4,995 (4,138 ) 857 Provision (benefit) for income taxes (4) 3,343 (1,484 ) 1,859 Net income (loss) $ 1,652 $ (2,654 ) $ (1,002 ) Total assets, end of period $ 1,065,204 $ 96,927 $ 1,162,131 (1) Includes an inter-company charge of $339 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $138 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (3) Includes $3.4 million $2.1 million (4) Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the six months ended December 31, 2017.

Investment Securities

Investment Securities	6 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Note 5: Investment Securities The amortized cost and estimated fair value of investment securities as of December 31, 2018 and June 30, 2018 were as follows: December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Estimated Fair Value Carrying Value (In Thousands) Held to maturity: U.S. government sponsored enterprise MBS (1) $ 81,451 $ 369 $ (285 ) $ 81,535 $ 81,451 U.S. SBA securities (2) 2,939 — (18 ) 2,921 2,939 Certificate of deposits 600 — — 600 600 Total investment securities - held to maturity $ 84,990 $ 369 $ (303 ) $ 85,056 $ 84,990 Available for sale: U.S. government agency MBS $ 3,824 $ 118 $ — $ 3,942 $ 3,942 U.S. government sponsored enterprise MBS 2,213 98 — 2,311 2,311 Private issue CMO (3) 307 3 — 310 310 Total investment securities - available for sale $ 6,344 $ 219 $ — $ 6,563 $ 6,563 Total investment securities $ 91,334 $ 588 $ (303 ) $ 91,619 $ 91,553 (1) Mortgage-Backed Securities ("MBS"). (2) Small Business Administration ("SBA"). (3) Collateralized Mortgage Obligations ("CMO"). June 30, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Estimated Fair Value Carrying Value (In Thousands) Held to maturity: U.S. government sponsored enterprise MBS $ 84,227 $ 203 $ (762 ) $ 83,668 $ 84,227 U.S. SBA securities 2,986 — (15 ) 2,971 2,986 Certificate of deposits 600 — — 600 600 Total investment securities - held to maturity $ 87,813 $ 203 $ (777 ) $ 87,239 $ 87,813 Available for sale: U.S. government agency MBS $ 4,234 $ 150 $ — $ 4,384 $ 4,384 U.S. government sponsored enterprise MBS 2,640 122 — 2,762 2,762 Private issue CMO 346 4 — 350 350 Total investment securities - available for sale $ 7,220 $ 276 $ — $ 7,496 $ 7,496 Total investment securities $ 95,033 $ 479 $ (777 ) $ 94,735 $ 95,309 In the second quarters of fiscal 2019 and 2018, the Corporation received MBS principal payments of $8.3 million and $5.8 million, respectively, and there were no sales of investment securities during these periods. The Corporation purchased U.S. government sponsored enterprise MBS totaling $13.5 million and $28.4 million, to be held to maturity, respectively. For the first six months of fiscal 2019 and 2018, the Corporation received MBS principal payments of $16.7 million and $11.7 million, respectively, and there were no sales of investment securities during these periods. In the first six months of fiscal 2019 and 2018, the Corporation purchased U.S. government sponsored enterprise MBS totaling $13.5 million and $38.5 million, to be held to maturity, respectively. The Corporation held investments with an unrealized loss position of $303,000 at December 31, 2018 and $777,000 at June 30, 2018. As of December 31, 2018 Unrealized Holding Losses Unrealized Holding Losses Unrealized Holding Losses (In Thousands) Less Than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity: U.S. government sponsored enterprise MBS $ — $ — $ 37,363 $ 285 $ 37,363 $ 285 U.S. SBA securities 2,914 18 — — 2,914 18 Total investment securities $ 2,914 $ 18 $ 37,363 $ 285 $ 40,277 $ 303 As of June 30, 2018 Unrealized Holding Losses Unrealized Holding Losses Unrealized Holding Losses (In Thousands) Less Than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity: U.S. government sponsored enterprise MBS $ 47,045 $ 762 $ — $ — $ 47,045 $ 762 U.S. SBA securities 2,964 15 — — 2,964 15 Total investment securities $ 50,009 $ 777 $ — $ — $ 50,009 $ 777 The Corporation evaluates individual investment securities quarterly for other-than-temporary declines in market value. At December 31, 2018, $285,000 of the total $303,000 unrealized holding losses were 12 months or more; while at June 30, 2018, all of the unrealized holding loss was less than 12 months. The Corporation does not believe that there were any other-than-temporary impairments on the investment securities at December 31, 2018 and 2017; therefore, no impairment losses were recorded for the quarters and six months ended December 31, 2018 and 2017. Contractual maturities of investment securities as of December 31, 2018 and June 30, 2018 were as follows: December 31, 2018 June 30, 2018 (In Thousands) Amortized Estimated Amortized Estimated Held to maturity: Due in one year or less $ 600 $ 600 $ 600 $ 600 Due after one through five years 35,169 34,918 24,961 24,569 Due after five through ten years 17,537 17,689 22,847 22,477 Due after ten years 31,684 31,849 39,405 39,593 Total investment securities - held to maturity $ 84,990 $ 85,056 $ 87,813 $ 87,239 Available for sale: Due in one year or less $ — $ — $ — $ — Due after one through five years — — — — Due after five through ten years — — — — Due after ten years 6,344 6,563 7,220 7,496 Total investment securities - available for sale $ 6,344 $ 6,563 $ 7,220 $ 7,496 Total investment securities $ 91,334 $ 91,619 $ 95,033 $ 94,735

Loans Held For Investment

Loans Held For Investment	6 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Loans Held For Investment	Note 6: Loans Held for Investment Loans held for investment, net of fair value adjustments, consisted of the following: (In Thousands) December 31, June 30, Mortgage loans: Single-family $ 312,499 $ 314,808 Multi-family 447,033 476,008 Commercial real estate 112,830 109,726 Construction (1) 3,986 3,174 Other 167 167 Commercial business loans (2) 455 500 Consumer loans (3) 103 109 Total loans held for investment, gross 877,073 904,492 Advance payments of escrows 95 18 Deferred loan costs, net 5,306 5,560 Allowance for loan losses (7,061 ) (7,385 ) Total loans held for investment, net $ 875,413 $ 902,685 (1) Net of $5.7 million and $4.3 million of undisbursed loan funds as of December 31, 2018 and June 30, 2018, respectively (2) Net of $1.5 million and $495 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively. (3) Net of $487 and $503 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively. The following table sets forth information at December 31, 2018 regarding the dollar amount of loans held for investment that are contractually repricing during the periods indicated, segregated between adjustable rate loans and fixed rate loans. Fixed-rate loans comprised 2% of loans held for investment at both December 31, 2018 and June 30, 2018. Adjustable rate loans having no stated repricing dates that reprice when the index they are tied to reprices (e.g. prime rate index) and checking account overdrafts are reported as repricing within one year. The table does not include any estimate of prepayments which may cause the Corporation's actual repricing experience to differ materially from that shown. Adjustable Rate (In Thousands) Within One Year After Years After Years After Years Fixed Rate Total Mortgage loans: Single-family $ 105,981 $ 31,216 $ 100,552 $ 63,034 $ 11,716 $ 312,499 Multi-family 129,858 162,154 142,177 12,642 202 447,033 Commercial real estate 41,376 35,953 35,008 — 493 112,830 Construction 2,600 — — — 1,386 3,986 Other — — — — 167 167 Commercial business loans 57 — — — 398 455 Consumer loans 103 — — — — 103 Total loans held for investment, gross $ 279,975 $ 229,323 $ 277,737 $ 75,676 $ 14,362 $ 877,073 The Corporation has developed an internal loan grading system to evaluate and quantify the Bank's loans held for investment portfolio with respect to quality and risk. Management continually evaluates the credit quality of the Corporation's loan portfolio and conducts a quarterly review of the adequacy of the allowance for loan losses using quantitative and qualitative methods. The Corporation has adopted an internal risk rating policy in which each loan is rated for credit quality with a rating of pass, special mention, substandard, doubtful or loss. The two primary components that are used during the loan review process to determine the proper allowance levels are individually evaluated allowances and collectively evaluated allowances. Quantitative loan loss factors are developed by determining the historical loss experience, expected future cash flows, discount rates and collateral fair values, among others. Qualitative loan loss factors are developed by assessing general economic indicators such as gross domestic product, retail sales, unemployment rates, employment growth, California home sales and median California home prices. The Corporation assigns individual factors for the quantitative and qualitative methods for each loan category and each internal risk rating. The Corporation categorizes all of the loans held for investment into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows: ▪ Pass - These loans range from minimal credit risk to average, but still acceptable, credit risk. The likelihood of loss is considered remote. ▪ Special Mention - A special mention loan has potential weaknesses that may be temporary or, if left uncorrected, may result in a loss. While concerns exist, the bank is currently protected and loss is considered unlikely and not imminent. ▪ Substandard - A substandard loan is inadequately protected by the current sound net worth and paying capacity of the borrower or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ▪ Doubtful - A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. ▪ Loss - A loss loan is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted. The following tables summarize gross loans held for investment, net of fair value adjustments, by loan types and risk category at the dates indicated: December 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Mortgage Commercial Business Consumer Total Pass $ 303,973 $ 443,127 $ 122,830 $ 3,241 $ 167 $ 399 $ 103 $ 863,80 Special Mention 1,400 3,906 — — — — 5,306 Substandard 7,126 — — 745 — 56 — 7,927 Total loans held for investment, gross $ 312,499 $ 447,033 $ 112,830 $ 3,986 $ 167 $ 455 $ 103 $ 877,073 June 30, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Mortgage Commercial Business Consumer Total Pass $ 304,619 $ 472,061 $ 108,786 $ 3,174 $ 167 $ 430 $ 109 $ 889,346 Special Mention 2,548 3,947 940 — — — — 7,435 Substandard 7,641 — — — — 70 — 7,711 Total loans held for investment, gross $ 314,808 $ 476 008 $ 109,726 $ 3,174 $ 167 $ 500 $ 109 $ 904,492 The allowance for loan losses is maintained at a level sufficient to provide for estimated losses based on evaluating known and inherent risks in the loans held for investment and upon management's continuing analysis of the factors underlying the quality of the loans held for investment. These factors include changes in the size and composition of the loans held for investment, actual loan loss experience, current economic conditions, detailed analysis of individual loans for which full collectability may not be assured, and determination of the realizable value of the collateral securing the loans. The provision (recovery) for (from) the allowance for loan losses is charged (credited) against operations on a quarterly basis, as necessary, to maintain the allowance at appropriate levels. Although management believes it uses the best information available to make such determinations, there can be no assurance that regulators, in reviewing the Corporation's loans held for investment, will not request a significant increase in its allowance for loan losses. Future adjustments to the allowance for loan losses may be necessary and results of operations could be significantly and adversely affected as a result of economic, operating, regulatory, and other conditions beyond the Corporation's control. Non-performing loans are charged-off to their fair market values in the period the loans, or portion thereof, are deemed uncollectible, generally after the loan becomes 150 days delinquent for real estate secured first trust deed loans and 120 days delinquent for commercial business or real estate secured second trust deed loans. For loans that were modified from their original terms, were re-underwritten and identified in the Corporation's asset quality reports as troubled debt restructurings ("restructured loans"), the charge-off occurs when the loan becomes 90 days delinquent; and where borrowers file bankruptcy, the charge-off occurs when the loan becomes 60 days delinquent. The amount of the charge-off is determined by comparing the loan balance to the estimated fair value of the underlying collateral, less disposition costs, with the loan balance in excess of the estimated fair value charged-off against the allowance for loan losses. The allowance for loan losses for non-performing loans is determined by applying Accounting Standards Codification ("ASC") 310, "Receivables." For restructured loans that are less than 90 days delinquent, the allowance for loan losses are segregated into (a) individually evaluated allowances for those loans with applicable discounted cash flow calculations still in their restructuring period, classified lower than pass, and containing an embedded loss component or (b) collectively evaluated allowances based on the aggregated pooling method. For non-performing loans less than 60 days delinquent where the borrower has filed bankruptcy, the collectively evaluated allowances are assigned based on the aggregated pooling method. For non-performing commercial real estate loans, an individually evaluated allowance is derived based on the loan's discounted cash flow fair value (for restructured loans) or collateral fair value less estimated selling costs and if the fair value is higher than the loan balance, no allowance is required. The following table summarizes the Corporation's allowance for loan losses at December 31, 2018 and June 30, 2018: (In Thousands) December 31, 2018 June 30, 2018 Collectively evaluated for impairment: Mortgage loans: Single-family $ 2,520 $ 2,632 Multi-family 3,280 3,492 Commercial real estate 1,019 1,030 Construction 48 47 Other 3 3 Commercial business loans 17 18 Consumer loans 6 6 Total collectively evaluated allowance 6,893 7,228 Individually evaluated for impairment: Mortgage loans: Single-family 159 151 Commercial business loans 9 6 Total individually evaluated allowance 168 157 Total loan loss allowance $ 7,061 $ 7,385 The following table is provided to disclose additional details on the Corporation's allowance for loan losses: For the Quarters Ended For the Six Months Ended (Dollars in Thousands) 2018 2017 2018 2017 Allowance at beginning of period $ 7,155 $ 8,063 $ 7,385 $ 8,039 (Recovery) provision for loan losses (217 ) (11 ) (454 ) 158 Recoveries: Mortgage loans: Single-family 123 48 155 132 Consumer loans — — 1 — Total recoveries 123 48 156 132 Charge-offs: Mortgage loans: Single-family — (25 ) (25 ) (254 ) Consumer loans — — (1 ) — Total charge-offs — (25 ) (26 ) (254 ) Net recoveries (charge-offs) 123 23 130 (122 ) Balance at end of period $ 7,061 $ 8,075 $ 7,061 $ 8,075 Allowance for loan losses as a percentage of gross loans held for investment at the end of the period 0.80 % 0.90 % 0.80 % 0.90 % Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) (0.05 )% (0.01 )% (0.03 )% 0.02 % The following tables denote the past due status of the Corporation's gross loans held for investment, net of fair value adjustments, at the dates indicated. December 31, 2018 (In Thousands) Current 30-89 Days Past Due Non-Accrual (1) Total Loans Held for Investment, Gross Mortgage loans: Single-family $ 306,873 $ — $ 5,626 $ 312,499 Multi-family 447,033 — — 447,033 Commercial real estate 112,830 — — 112,830 Construction 3,241 — 745 3,986 Other 167 — — 167 Commercial business loans 399 — 56 455 Consumer loans 101 2 — 103 Total loans held for investment, gross $ 870,644 $ 2 $ 6,427 $ 877,073 (1) June 30, 2018 (In Thousands) Current 30-89 Days Past Due Non-Accrual (1) Total Loans Held for Investment, Gross Mortgage loans: Single-family $ 307,863 $ 804 $ 6,141 $ 314,808 Multi-family 476,008 — — 476,008 Commercial real estate 109,726 — — 109,726 Construction 3,174 — — 3,174 Other 167 — — 167 Commercial business loans 430 — 70 500 Consumer loans 108 1 — 109 Total loans held for investment, gross $ 897,476 $ 805 $ 6,211 $ 904,492 (1) The following tables summarize the Corporation's allowance for loan losses and recorded investment in gross loans, by portfolio type, at the dates and for the periods indicated. Quarter Ended December 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,741 $ 3,336 $ 1,012 $ 38 $ 3 $ 19 $ 6 $ 7,155 (Recovery) provision for loan losses (185 ) (56 ) 7 10 — 7 — (217 ) Recoveries 123 — — — — — — 123 Charge-offs — — — — — — — — Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ 3 $ 26 $ 6 $ 7,061 Allowance for loan losses: Individually evaluated for impairment $ 159 $ — $ — $ — $ — $ 9 $ — $ 168 Collectively evaluated for impairment 2,520 3,280 1,019 48 3 17 6 6,893 Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ 3 $ 26 $ 6 $ 7,061 Loans held for investment: Individually evaluated for impairment $ 5,817 $ — $ — $ 745 $ — $ 56 $ — $ 6,618 Collectively evaluated for impairment 306,682 447,033 112,830 3,241 167 399 103 870,455 Total loans held for investment, gross $ 312,499 $ 447,033 $ 112,830 $ 3,986 $ 167 $ 455 $ 103 $ 877,073 Allowance for loan losses as a percentage of gross loans held for investment 0.86 % 0.73 % 0.90 % 1.20 % 1.80 % 5.71 % 5.83 % 0.80 % Quarter Ended December 31, 2017 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,579 $ 3,431 $ 875 $ 140 $ 31 $ 7 $ 8,063 (Recovery) provision for loan losses (299 ) (136 ) 58 364 1 1 (11 ) Recoveries 48 — — — — — 48 Charge-offs (25 ) — — — — — (25 ) Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ 15 $ — $ 15 Collectively evaluated for impairment 3,303 3,295 933 504 17 8 8,060 Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Loans held for investment: Individually evaluated for impairment $ 7,038 $ — $ — $ — $ 76 $ — $ 7,114 Collectively evaluated for impairment 306,799 463,786 103,366 7,072 402 144 881,569 Total loans held for investment, gross $ 313,837 $ 463,786 $ 103,366 $ 7,072 $ 478 $ 144 $ 888,683 Allowance for loan losses as a percentage of gross loans held for investment 1.05 % 0.71 % 0.90 % 7.13 % 6.69 % 5.56 % 0.90 % Six Months Ended December 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,783 $ 3,492 $ 1,030 $ 47 $ $ 3 $ 24 $ 6 $ 7,385 (Recovery) provision for loan losses (234 ) (212 ) (11 ) 1 — 2 — (454 ) Recoveries 155 — — — — — 1 156 Charge-offs (25 ) — — — — — (1 ) (26 ) Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ $ 3 $ 26 $ 6 $ 7,061 Allowance for loan losses: Individually evaluated for impairment $ 159 $ — $ — $ — $ $ — $ 9 $ — $ 168 Collectively evaluated for impairment 2,520 3,280 1,019 48 3 17 6 6,893 Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ $ 3 $ 26 $ 6 $ 7,061 Loans held for investment: Individually evaluated for impairment $ 5,817 $ — $ — $ 745 $ $ — $ 56 $ — $ 6,618 Collectively evaluated for impairment 306,682 447,033 112,830 3,241 167 399 103 870,455 Total loans held for investment, gross $ 312,499 $ 447,033 $ 112,830 $ 3,986 $ 167 $ 455 $ 103 $ 877,073 Allowance for loan losses as a percentage of gross loans held for investment 0.86 % 0.73 % 0.90 % 1.20 % 1.80 % 5.71 % 5.83 % 0.80 % Six Months Ended December 31, 2017 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,601 $ 3,420 $ 879 $ 96 $ 36 $ 7 $ 8,039 (Recovery) provision for loan losses (176 ) (125 ) 54 408 (4 ) 1 158 Recoveries 132 — — — — — 132 Charge-offs (254 ) — — — — — (254 ) Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ 15 $ — $ 15 Collectively evaluated for impairment 3,303 3,295 933 504 17 8 8,060 Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Loans held for investment: Individually evaluated for impairment $ 7,038 $ — $ — $ — $ 76 $ — $ 7,114 Collectively evaluated for impairment 306,799 463,786 103,366 7,072 402 144 881,569 Total loans held for investment, gross $ 313,837 $ 463,786 $ 103,366 $ 7,072 $ 478 $ 144 $ 888,683 Allowance for loan losses as a percentage of gross loans held for investment 1.05 % 0.71 % 0.90 % 7.13 % 6.69 % 5.56 % 0.90 % The following tables identify the Corporation's total recorded investment in non-performing loans by type at the dates and for the periods indicated. Generally, a loan is placed on non-accrual status when it becomes 90 days past due as to principal or interest or if the loan is deemed impaired, after considering economic and business conditions and collection efforts, where the borrower's financial condition is such that collection of the contractual principal or interest on the loan is doubtful. In addition, interest income is not recognized on any loan where management has determined that collection is not reasonably assured. A non-performing loan may be restored to accrual status when delinquent principal and interest payments are brought current, the borrower(s) has demonstrated sustained payment performance and future monthly principal and interest payments are expected to be collected on a timely basis. Loans with a related allowance reserve have been individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals less costs to sell, to establish realizable value. This analysis may identify a specific impairment amount needed or may conclude that no reserve is needed. Loans that are not individually evaluated for impairment are included in pools of homogeneous loans for evaluation of related allowance reserves. At December 31, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,856 $ — $ 2,856 $ (393 ) $ 2,463 Without a related allowance (2) 3,368 (561 ) 2,807 — 2,807 Total single-family 6,224 (561 ) 5,663 (393 ) 5,270 Construction: Without a related allowance (3) 745 — 745 — 745 Total construction 745 — 745 — 745 Commercial business loans: With a related allowance 56 — 56 (9 ) 47 Total commercial business loans 56 — 56 (9 ) 47 Total non-performing loans $ 7,025 $ (561 ) $ 6,464 $ (402 ) $ 6,062 (1) (2) (3) At June 30, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 1,333 $ — $ 1,333 $ (185 ) $ 1,148 Without a related allowance (2) 5,569 (724 ) 4,845 — 4,845 Total single-family 6,902 (724 ) 6,178 (185 ) 5,993 Commercial business loans: With a related allowance 70 — 70 (6 ) 64 Total commercial business loans 70 — 70 (6 ) 64 Total non-performing loans $ 6,972 $ (724 ) $ 6,248 $ (191 ) $ 6,057 (1) (2) At both December 31, 2018 and June 30, 2018, there were no commitments to lend additional funds to those borrowers whose loans were classified as non-performing, except for one construction loan with undisbursed loan funds at December 31, 2018. For the quarters ended December 31, 2018 and 2017, the Corporation's average recorded investment in non-performing loans was $6.6 million and $8.2 million, respectively. The Corporation records payments on non-performing loans utilizing the cash basis or cost recovery method of accounting during the periods when the loans are on non-performing status. For both quarters ended December 31, 2018 and 2017, interest income of $226,000 and $10,000, respectively, was recognized, based on cash receipts from loan payments on non-performing loans and $48,000 and $80,000, respectively, was collected and applied to reduce the loan balances under the cost recovery method. For the six months ended December 31, 2018 and 2017, the Corporation's average recorded investment in non-performing loans was $6.8 million and $8.4 million, respectively. For the six months ended December 31, 2018 and 2017, interest income of $291,000 and $170,000, respectively, was recognized, based on cash receipts from loan payments on non-performing loans and $104,000 and $174,000, respectively, was collected and applied to reduce the loan balances under the cost recovery method. The following table presents the average recorded investment in non-performing loans and the related interest income recognized for the quarters and six months ended December 31, 2018 and 2017: Quarter Ended December 31, 2018 2017 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 3,326 $ 189 $ 7,301 $ — Construction 745 — — — 4,071 189 7,301 — With related allowances: Mortgage loans: Single-family 2,487 36 786 8 Commercial business loans 60 1 76 2 2,547 37 862 10 Total $ 6,618 $ 226 $ 8,163 $ 10 Six Months Ended December 31, 2018 2017 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 3,963 $ 229 $ 7,659 $ 135 Commercial real estate — — 34 13 Construction 496 — — 496 4,459 229 7,693 148 With related allowances: Mortgage loans: Single-family 2,279 60 608 19 Commercial business loans 64 2 77 3 2,343 62 685 22 Total $ 6,802 $ 291 $ 8,378 $ 170 For the quarter ended December 31, 2018, no new loans were restructured from their original terms and classified as restructured loans, while one restructured loan was paid off. For the six months ended December 31, 2018, no new loans were restructured from their original terms and classified as restructured loans, while one restructured loan was upgraded to the "pass" category and one restructured loan was paid off. For the quarters and six months ended December 31, 2017, there were no loans that were newly modified from their original terms, re-underwritten or identified in the Corporation's asset quality reports as restructured loans. During the quarters and six months ended December 31, 2018 and 2017, no restructured loans were in default within a 12-month period subsequent to their original restructuring. Additionally, during the quarter and six months ended December 31, 2018, there was one loan whose modification was extended beyond the initial maturity of the modification; while during the quarter and six months ended December 31, 2017, there were no loans whose modification was extended beyond the initial maturity of the modification. At both December 31, 2018 and June 30, 2018, there were no commitments to lend additional funds to those borrowers whose loans were restructured. As of December 31, 2018, the Corporation held nine restructured loans with a net outstanding balance of $4.2 million: one loan was classified as substandard and remains on accrual status ($1.4 million); and eight loans were classified as substandard on non-accrual status ($2.8 million). As of June 30, 2018, the Corporation held 11 restructured loans with a net outstanding balance of $5.2 million: one loan was classified as special mention on accrual status ($389,000); one loan was classified as substandard on accrual status ($1.4 million); and nine loans were classified as substandard on non-accrual status ($3.4 million). Substandard assets have one or more defined weaknesses and are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Assets that do not currently expose the Corporation to sufficient risk to warrant adverse classification but possess weaknesses are designated as special mention and are closely monitored by the Corporation. As of December 31, 2018 and June 30, 2018, $2.9 million or 70%, and $2.9 million or 56%, respectively, of the restructured loans were current with respect to their modified payment terms. The Corporation upgrades restructured single-family loans to the pass category if the borrower has demonstrated satisfactory contractual payments for at least six consecutive months; 12 months for those loans that were restructured more than once; and if the borrower has demonstrated satisfactory contractual payments beyond 12 consecutive months, the loan is no longer categorized as a restructured loan. In addition to the payment history described above, multi-family, commercial real estate, construction and commercial business loans must also demonstrate a combination of the following characteristics to be upgraded: satisfactory cash flow, satisfactory guarantor support, and additional collateral support, among others. To qualify for restructuring, a borrower must provide evidence of their creditworthiness such as, current financial statements, their most recent income tax returns, current paystubs, current W-2s, and most recent bank statements, among other documents, which are then verified by the Corporation. The Corporation re-underwrites the loan with the borrower's updated financial information, new credit report, current loan balance, new interest rate, remaining loan term, updated property value and modified payment schedule, among other considerations, to determine if the borrower qualifies. The following table summarizes at the dates indicated the restructured loan balances, net of allowance for loan losses, by loan type and non-accrual versus accrual status: At At (In Thousands) December 31, 2018 June 30, 2018 Restructured loans on non-accrual status: Mortgage loans: Single-family $ 2,698 $ 3,328 Commercial business loans 47 64 Total 2,745 3,392 Restructured loans on accrual status: Mortgage loans: Single-family 1,425 1,788 Total 1,425 1,788 Total restructured loans $ 4,170 $ 5,180 The following tables identify the Corporation's total recorded investment in restructured loans by type at the dates and for the periods indicated. At December 31, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,214 $ — $ 2,214 $ (124 ) $ 2,090 Without a related allowance (2) 2,407 (374 ) 2,033 — 2,033 Total single-family 4,621 (374 ) 4,247 (124 ) 4,123 Commercial business loans: With a related allowance 56 — 56 (9 ) 47 Total commercial business loans 56 — 56 (9 ) 47 Total restructured loans $ 4,677 $ (374 ) $ 4,303 $ (133 ) $ 4,170 (1) (2) At June 30, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family With a related allowance $ 2,228 $ — $ 2,228 $ (151 ) $ 2,077 Without a related allowance (2) 3,450 (411 ) 3,039 — 3,039 Total single-family 5,678 (411 ) 5,267 (151 ) 5,116 Commercial business loans: With a related allowance 70 — 70 (6 ) 64 Total commercial business loans 70 — 70 (6 ) 64 Total restructured loans $ 5,748 $ (411 ) $ 5,337 $ (157 ) $ 5,180 (1) (2) During the quarter ended December 31, 2018, no properties were acquired in the settlement of loans, while one previously foreclosed upon property was sold. This compares to the quarter ended December 31, 2017 when one property was acquired in the settlement of loans, while no previously foreclosed upon properties were sold. For the six months ended December 31, 2018, no properties were acquired in the settlement of loans, while two previously foreclosed upon properties were sold. This compares to the six months ended December 31, 2017 when one property was acquired in the settlement of loans, while two previously foreclosed upon properties were sold. As of December 31, 2018, there was no outstanding real estate owned property. This compares to two real estate owned properties located in California with a total net fair value of $906,000 at June 30, 2018. A new appraisal was obtained on each of the properties at the time of foreclosure and fair value was derived by using the lower of the appraised value or the listing price of the property, net of selling costs. Any initial loss was recorded as a charge to the allowance for loan losses before being transferred to real estate owned. Subsequent to transfer to real estate owned, if there is further deterioration in real estate values, specific real estate owned loss reserves are established and charged to the statement of operations. In addition, the Corporation records costs to carry real estate owned as real estate operating expenses as incurred.

Derivative and Other Financial

Derivative and Other Financial Instruments with Off-Balance Sheet Risks	6 Months Ended
	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative and Other Financial Instruments with Off-Balance Sheet Risks	Note 7: Derivative and Other Financial Instruments with Off-Balance Sheet Risks The Corporation is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit in the form of originating loans or providing funds under existing lines of credit, loan sale commitments to third parties and option contracts. These instruments involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the accompanying Condensed Consolidated Statements of Financial Condition. The Corporation's exposure to credit loss, in the event of non-performance by the counterparty to these financial instruments, is represented by the contractual amount of these instruments. The Corporation uses the same credit policies in entering into financial instruments with off-balance sheet risk as it does for on-balance sheet instruments. As of December 31, 2018 and June 30, 2018, the Corporation had commitments to extend credit (on loans to be held for investment and loans to be held for sale) of $34.6 million and $66.3 million, respectively. The following table provides information at the dates indicated regarding undisbursed funds on construction loans, undisbursed funds to borrowers on existing lines of credit with the Corporation as well as commitments to originate loans to be held for investment at the dates indicated below. Commitments December 31, 2018 June 30, 2018 (In Thousands) Undisbursed loan funds – Construction loans $ 5,747 $ 4,302 Undisbursed lines of credit – Commercial business loans 1,488 495 Undisbursed lines of credit – Consumer loans 487 503 Commitments to extend credit on loans to be held for investment 7,376 9,352 Total $ 15,098 $ 14,652 The following table provides information regarding the allowance for loan losses for the undisbursed funds and commitments to extend credit on loans to be held for investment for the quarters and six months ended December 31, 2018 and 2017. For the Quarters Ended For the Six Months Ended (In Thousands) 2018 2017 2018 2017 Balance, beginning of the period $ 149 $ 213 $ 157 $ 277 Provision (recovery) 1 (25 ) (7 ) (89 ) Balance, end of the period $ 150 $ 188 $ 150 $ 188 In accordance with ASC 815, "Derivatives and Hedging," and interpretations of the Derivatives Implementation Group of the FASB, the fair value of the commitments to extend credit on loans to be held for sale, loan sale commitments, to be announced ("TBA") MBS trades, put option contracts and call option contracts are recorded at fair value on the Condensed Consolidated Statements of Financial Condition. At December 31, 2018, $506,000 was included in other assets and $691,000 was included in other liabilities; at June 30, 2018, $849,000 was included in other assets and $464,000 was included in other liabilities. The Corporation does not apply hedge accounting to its derivative financial instruments; therefore, all changes in fair value are recorded in earnings. The net impact of derivative financial instruments recorded within the gain on sale of loans contained in the Condensed Consolidated Statements of Operations during the quarters and six months ended December 31, 2018 and 2017 was as follows: For the Quarters Ended For the Six Months Ended Derivative Financial Instruments 2018 2017 2018 2017 (In Thousands) Commitments to extend credit on loans to be held for sale $ 8 $ 29 $ (321 ) $ (93 ) Mandatory loan sale commitments and TBA (928 ) (582 ) (249 ) (791 ) Option contracts, net — — — (37 ) Total net loss $ (920 ) $ (553 ) $ (570 ) $ (921 ) The outstanding derivative financial instruments and other loan sale agreements at the dates indicated were as follows: December 31, 2018 June 30, 2018 Derivative Financial Instruments Amount Fair Amount Fair (In Thousands) Commitments to extend credit on loans to be held for sale (1) $ 27,260 $ 504 $ 56,906 $ 825 Best efforts loan sale commitments (12,795 ) — (29,502 ) — Mandatory loan sale commitments and TBA MBS trades (66,721 ) (689 ) (117,759 ) (440 ) Total $ (52,256 ) $ (185 ) $ (90,355 ) $ 385 (1) Net of 26.3% at December 31, 2018 and 24.7% at June 30, 2018 of commitments which management has estimated may not fund. Occasionally, the Corporation is required to repurchase loans sold to Freddie Mac, Fannie Mae or other institutional investors if it is determined that such loans do not meet the credit requirements of the investor, or if one of the parties involved in the loan misrepresented pertinent facts, committed fraud, or if such loans were 90-days past due within 120 days of the loan funding date. During the first six months of fiscal 2019, the Corporation repurchased three loans totaling $253,000, including two loans that were fully charged off ($25,000). In comparison, the Corporation did not repurchase any loans from investors during the first six months of fiscal 2018 pursuant to the recourse/repurchase covenants contained in the loan sale agreements. Additional repurchase requests may have been settled that did not result in the repurchase of the loan itself. The primary reasons for honoring the repurchase requests are borrower fraud, undisclosed liabilities on borrower applications, and documentation, verification and appraisal disputes. For the first six months of fiscal 2019 and 2018, the Corporation recorded a $33,000 recovery and a $22,000 recovery from the recourse liability, respectively, and did not settle any claims. As of December 31, 2018, the total recourse reserve for loans sold that are subject to repurchase decreased to $250,000, as compared to $283,000 at June 30, 2018 and $283,000 at December 31, 2017. Beginning in 2008, in connection with the downturn in the real estate market, the Corporation implemented tighter underwriting standards to reduce potential loan repurchase requests, including requiring higher credit scores, generally lower debt-to-income ratios, and verification of income and assets, among other criteria. Despite management's diligent estimate of the recourse reserve, the Corporation is still subject to risks and uncertainties associated with potentially higher loan repurchase claims from investors, and there are no assurances that the current recourse reserve will be sufficient to cover all future recourse claims. The following table shows the summary of the recourse liability for the quarters and six months ended December 31, 2018 and 2017: For the Quarters Ended December 31, For the Six Months Ended Recourse Liability 2018 2017 2018 2017 (In Thousands) Balance, beginning of the period $ 250 $ 305 $ 283 $ 305 Recovery from recourse liability — (22 ) (33 ) (22 ) Net settlements in lieu of loan repurchases — — — — Balance, end of the period $ 250 $ 283 $ 250 $ 283

Fair Value of Financial Instrum

Fair Value of Financial Instruments	6 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Note 8: Fair Value of Financial Instruments The Corporation adopted ASC 820, "Fair Value Measurements and Disclosures," and elected the fair value option pursuant to ASC 825, "Financial Instruments" on loans originated for sale by PBM. ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 825 permits entities to elect to measure many financial instruments and certain other assets and liabilities at fair value on an instrument-by-instrument basis (the "Fair Value Option") at specified election dates. At each subsequent reporting date, an entity is required to report unrealized gains and losses on items in earnings for which the fair value option has been elected. The objective of the Fair Value Option is to improve financial reporting by providing entities with the opportunity to mitigate volatility in reported earnings caused by measuring related assets and liabilities differently without having to apply complex hedge accounting provisions. The following table describes the difference at the dates indicated between the aggregate fair value and the aggregate unpaid principal balance of loans held for investment at fair value and loans held for sale at fair value: (In Thousands) Aggregate Fair Value Aggregate Unpaid Principal Balance Net Unrealized (Loss) Gain As of December 31, 2018: Loans held for investment, at fair value $ 4,995 $ 5,261 $ (266 ) Loans held for sale, at fair value $ 57,562 $ 55,648 $ 1,914 As of June 30, 2018: Loans held for investment, at fair value $ 5,234 $ 5,546 $ (312 ) Loans held for sale, at fair value $ 96,298 $ 93,791 $ 2,507 ASC 820-10-65-4, "Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly," provides additional guidance for estimating fair value in accordance with ASC 820, "Fair Value Measurements," when the volume and level of activity for the asset or liability have significantly decreased. ASC 820 establishes a three-level valuation hierarchy that prioritizes inputs to valuation techniques used in fair value calculations. The three levels of inputs are defined as follows: Level 1 - Unadjusted quoted prices in active markets for identical assets or liabilities that the Corporation has the ability to access at the measurement date. Level 2 - Observable inputs other than Level 1 such as: quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or other inputs that are observable or can be corroborated to observable market data for substantially the full term of the asset or liability. Level 3 - Unobservable inputs for the asset or liability that use significant assumptions, including assumptions of risks. These unobservable assumptions reflect the Corporation's estimate of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of pricing models, discounted cash flow models and similar techniques. ASC 820 requires the Corporation to maximize the use of observable inputs and minimize the use of unobservable inputs. If a financial instrument uses inputs that fall in different levels of the hierarchy, the instrument will be categorized based upon the lowest level of input that is significant to the fair value calculation. The Corporation's financial assets and liabilities measured at fair value on a recurring basis consist of investment securities available for sale, loans held for investment at fair value, loans held for sale at fair value, interest-only strips and derivative financial instruments; while non-performing loans, mortgage servicing assets ("MSA") and real estate owned are measured at fair value on a nonrecurring basis. Investment securities - available for sale are primarily comprised of U.S. government agency MBS, U.S. government sponsored enterprise MBS and privately issued CMO. The Corporation utilizes quoted prices in active markets for similar securities for its fair value measurement of MBS and debt securities (Level 2) and broker price indications for similar securities in non-active markets for its fair value measurement of the CMO (Level 3). Derivative financial instruments are comprised of commitments to extend credit on loans to be held for sale, mandatory loan sale commitments, TBA MBS trades and option contracts. The fair value of TBA MBS trades is determined using quoted secondary-market prices (Level 2). The fair values of other derivative financial instruments are determined by quoted prices for a similar commitment or commitments, adjusted for the specific attributes of each commitment (Level 3). Loans held for investment at fair value are primarily single-family loans which have been transferred from loans held for sale. The fair value is determined by the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan (Level 3). Loans held for sale at fair value are primarily single-family loans. The fair value is determined, when possible, using quoted secondary-market prices such as mandatory loan sale commitments. If no such quoted price exists, the fair value of a loan is determined by quoted prices for a similar loan or loans, adjusted for the specific attributes of each loan (Level 2). Non-performing loans are loans which are inadequately protected by the current net worth and paying capacity of the borrowers or of the collateral pledged. The non-performing loans are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. The fair value of a non-performing loan is determined based on an observable market price or current appraised value of the underlying collateral. Appraised and reported values may be discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the borrower. For non-performing loans which are restructured loans, the fair value is derived from discounted cash flow analysis (Level 3), except those which are in the process of foreclosure or 90 days delinquent for which the fair value is derived from the appraised value of its collateral (Level 2). For other non-performing loans which are not restructured loans, other than non-performing commercial real estate loans, the fair value is derived from relative value analysis: historical experience and management estimates by loan type for which collectively evaluated allowances are assigned (Level 3); or the appraised value of its collateral for loans which are in the process of foreclosure or where borrowers file bankruptcy (Level 2). For non-performing commercial real estate loans, the fair value is derived from the appraised value of its collateral (Level 2). Non-performing loans are reviewed and evaluated on at least a quarterly basis for additional allowance and adjusted accordingly, based on the same factors identified above. This loss is not recorded directly as an adjustment to current earnings or other comprehensive income (loss), but rather as a component in determining the overall adequacy of the allowance for loan losses. These adjustments to the estimated fair value of non-performing loans may result in increases or decreases to the provision for loan losses recorded in current earnings. The Corporation uses the amortization method for its MSA, which amortizes the MSA in proportion to and over the period of estimated net servicing income and assesses the MSA for impairment based on fair value at each reporting date. The fair value of the MSA is derived using the present value method; which includes a third party's prepayment projections of similar instruments, weighted-average coupon rates, estimated servicing costs and discount interest rates (Level 3). The rights to future income from serviced loans that exceed contractually specified servicing fees are recorded as interest-only strips. The fair value of interest-only strips is derived using the same assumptions that are used to value the related MSA (Level 3). The fair value of real estate owned is derived from the lower of the appraised value or the listing price, net of estimated selling costs (Level 2). The Corporation's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Corporation's valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. The following fair value hierarchy tables present information at the dates indicated about the Corporation's assets measured at fair value on a recurring basis: Fair Value Measurement at December 31, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 3,942 $ — $ 3,942 U.S. government sponsored enterprise MBS — 2,311 — 2,311 Private issue CMO — — 310 310 Investment securities - available for sale — 6,253 310 6,563 Loans held for investment, at fair value — — 4,995 4,995 Loans held for sale, at fair value — 57,562 — 57,562 Interest-only strips — — 21 21 Derivative assets: Commitments to extend credit on loans to be held for sale — — 505 505 Mandatory loan sale commitments — — 1 1 Derivative assets — — 506 506 Total assets $ — $ 63,815 $ 5,832 $ 69,647 Liabilities: Derivative liabilities: Commitments to extend credit on loans to be held for sale $ — $ — $ 1 $ 1 Mandatory loan sale commitments — — 10 10 TBA MBS trades — 680 — 680 Derivative liabilities — 680 11 691 Total liabilities $ — $ 680 $ 11 $ 691 Fair Value Measurement at June 30, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 4,384 $ — $ 4,384 U.S. government sponsored enterprise MBS — 2,762 — 2,762 Private issue CMO — — 350 350 Investment securities - available for sale — 7,146 350 7,496 Loans held for investment, at fair value — — 5,234 5,234 Loans held for sale, at fair value — 96,298 — 96,298 Interest-only strips — — 23 23 Derivative assets: Commitments to extend credit on loans to be held for sale — — 849 849 Derivative assets — — 849 849 Total assets $ — $ 103,444 $ 6,456 $ 109,900 Liabilities: Derivative liabilities: Commitments to extend credit on loans to be held for sale $ — $ — $ 24 $ 24 Mandatory loan sale commitments — — 32 32 TBA MBS trades — 408 — 408 Derivative liabilities — 408 56 464 Total liabilities $ — $ 408 $ 56 $ 464 The following tables summarize reconciliations of the beginning and ending balances during the periods shown of recurring fair value measurements recognized in the Condensed Consolidated Statements of Financial Condition using Level 3 inputs: For the Quarter Ended December 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commitments to Originate (2) Mandatory Commitments (3) Total Beginning balance at September 30, 2018 $ 316 $ 4,945 $ 24 $ 496 $ (9 ) $ 5,772 Total gains or losses (realized/unrealized): Included in earnings — 95 — 8 (1 ) 102 Included in other comprehensive loss (1 ) — (3 ) — — (4 ) Purchases — — — — — — Issuances — — — — — — Settlements (5 ) (45 ) — — 1 (49 ) Transfers in and/or out of Level 3 — — — — — — Ending balance at December 31, 2018 $ 310 $ 4,995 $ 21 $ 504 $ (9 ) $ 5,821 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. For the Quarter Ended December 31, 2017 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commit- ments to Originate (2) Manda- tory Commit- ments (3) Total Beginning balance at September 30, 2017 $ 448 $ 6,924 $ 28 $ 687 $ (4 ) $ 8,083 Total gains or losses (realized/unrealized): Included in earnings — 38 — 29 (20 ) 47 Included in other comprehensive loss — — (2 ) — — (2 ) Purchases — — — — — — Issuances — — — — — — Settlements (29 ) (1,805 ) — — — (1,834 ) Transfers in and/or out of Level 3 — — — — — — Ending balance at December 31, 2017 $ 419 $ 5,157 $ 26 $ 716 $ (24 ) $ 6,294 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. For the Six Months Ended December 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commitments to Originate (2) Mandatory Commitments (3) Total Beginning balance at June 30, 2018 $ 350 $ 5,234 $ 23 $ 825 $ (32 ) $ 6,400 Total gains or losses (realized/unrealized): Included in earnings — 46 — (321 ) 21 (254 ) Included in other comprehensive loss (1 ) — (2 ) — — (3 ) Purchases — — — — — — Issuances — — — — — — Settlements (39 ) (755 ) — — 2 (792 ) Transfers in and/or out of Level 3 — 470 — — — 470 Ending balance at December 31, 2018 $ 310 $ 4,995 $ 21 $ 504 $ (9 ) $ 5,821 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. For the Six Months Ended December 31, 2017 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commit- ments to Originate (2) Manda- tory Commit- ments (3) Option Contracts Total Beginning balance at June 30, 2017 $ 461 $ 6,445 $ 31 $ 809 $ 47 $ 37 $ 7,830 Total gains or losses (realized/unrealized): Included in earnings — 46 — (93 ) (73 ) (37 ) (157 ) Included in other comprehensive loss 1 — (5 ) — — — (4 ) Purchases — — — — — — — Issuances — — — — — — — Settlements (43 ) (1,856 ) — — 2 — (1,897 ) Transfers in and/or out of Level 3 — 522 — — — — 522 Ending balance at December 31, 2017 $ 419 $ 5,157 $ 26 $ 716 $ (24 ) $ — $ 6,294 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. The following fair value hierarchy tables present information about the Corporation's assets measured at fair value at the dates indicated on a nonrecurring basis: Fair Value Measurement at December 31, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans $ — $ 4,313 $ 1,749 $ 6,062 Mortgage servicing assets — — 513 513 Real estate owned, net — — — — Total $ — $ 4,313 $ 2,262 $ 6,575 Fair Value Measurement at June 30, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans $ — $ 4,845 $ 1,212 $ 6,057 Mortgage servicing assets — — 135 135 Real estate owned, net — 906 — 906 Total $ — $ 5,751 $ 1,347 $ 7,098 The following table presents additional information about valuation techniques and inputs used for assets and liabilities, including derivative financial instruments, which are measured at fair value and categorized within Level 3 as of December 31, 2018: (Dollars In Thousands) Fair Value Valuation Techniques Unobservable Inputs Range (1) (Weighted Average) Impact to Valuation from an Increase in Inputs (2) Assets: Securities available - for sale: Private issue CMO $ 310 Market comparable pricing Comparability adjustment 0.8% – 1.0% (0.9%) Increase Loans held for investment, at fair value $ 4,995 Relative value Broker quotes 96.7% – 103.5% Increase Non-performing loans $ 712 Discounted cash flow Default rates 5.0% Decrease Non-performing loans $ 1,037 Relative value analysis Loss severity 20.0% - 30.0% (23.0%) Decrease Mortgage servicing assets $ 513 Discounted cash flow Prepayment speed (CPR) Discount rate 8.3% - 60.0% (18.2%)9.0% - 10.5% (9.2%) Decrease Interest-only strips $ 21 Discounted cash flow Prepayment speed (CPR) Discount rate 11.4% - 30.5% (28.1%)9.0% Decrease Commitments to extend credit on loans to be held for sale $ 505 Relative value analysis TBA-MBS broker quotes Fall-out ratio (3) 98.3% – 104.6% Increase Mandatory loan sale commitments $ 1 Relative value analysis TBA MBS broker quotes Roll-forward costs (4) 104.0% of par Decrease Liabilities: Commitments to extend credit on loans to be held for sale $ 1 Relative value analysis TBA-MBS broker quotes Fall-out ratio (3) 102.6% – 102.6% Decrease Mandatory loan sale commitments $ 10 Relative value analysis TBA MBS broker quotes Roll-forward costs (4) 102.4% - 103.4% Increase (1) The range is based on the estimated fair values and management estimates. (2) Unless otherwise noted, this column represents the directional change in the fair value of the Level 3 investments that would result from an increase to the corresponding unobservable input. A decrease to the unobservable input would have the opposite effect. Significant changes in these inputs in isolation could result in significantly higher or lower fair value measurements. (3) The percentage of commitments to extend credit on loans to be held for sale which management has estimated may not fund. (4) An estimated cost to roll forward the mandatory loan sale commitments which management has estimated may not be delivered to the corresponding investors in a timely manner. The significant unobservable inputs used in the fair value measurement of the Corporation's assets and liabilities include the following: prepayment speeds, discount rates, MBS – TBA quotes, fallout ratios, broker quotes and roll-forward costs, among others. Significant increases or decreases in any of these inputs in isolation could result in significantly lower or higher fair value measurement. The various unobservable inputs used to determine valuations may have similar or diverging impacts on valuation. The carrying amount and fair value of the Corporation's other financial instruments as of December 31, 2018 and June 30, 2018 was as follows: December 31, 2018 (In Thousands) Carrying Fair Financial assets: Investment securities - held to maturity $ 84,990 $ 85,056 — $ 85,056 $ — Loans held for investment, not recorded at fair value $ 870,418 $ 842,908 — — $ 842,908 FHLB – San Francisco stock $ 8,199 $ 8,199 — $ 8,199 — Financial liabilities: Deposits $ 872,884 $ 843,671 — — $ 843,671 Borrowings $ 111,135 $ 109,680 — — $ 109,680 June 30, 2018 (In Thousands) Carrying Fair Financial assets: Investment securities - held to maturity $ 87,813 $ 87,239 — $ 87,239 — Loans held for investment, not recorded at fair value $ 897,451 $ 873,112 — — $ 873,112 FHLB – San Francisco stock $ 8,199 $ 8,199 — $ 8,199 — Financial liabilities: Deposits $ 907,598 $ 877,641 — — $ 877,641 Borrowings $ 126,163 $ 123,778 — — $ 123,778 Investment securities - held to maturity: The investment securities - held to maturity consist of time deposits at CRA qualified minority financial institutions, U.S. SBA securities and U.S. government sponsored enterprise MBS. Due to the short-term nature of the time deposits, the principal balance approximated fair value (Level 2). For the MBS and the U.S. SBA securities, the Corporation utilizes quoted prices in active markets for similar securities for its fair value measurement (Level 2). Loans held for investment, not recorded at fair value: For loans that reprice frequently at market rates, the carrying amount approximates the fair value. For fixed-rate loans, the fair value is determined by either (i) discounting the estimated future cash flows of such loans over their estimated remaining contractual maturities using a current interest rate at which such loans would be made to borrowers, or (ii) quoted market prices. FHLB – San Francisco stock: The carrying amount reported for FHLB – San Francisco stock approximates fair value. When redeemed, the Corporation will receive an amount equal to the par value of the stock. Deposits: The fair value of time deposits is estimated using a discounted cash flow calculation. The discount rate is based upon rates currently offered for deposits of similar remaining maturities. The fair value of transaction accounts (checking, money market and savings accounts) is estimated using a discounted cash flow calculation and management estimates of current market conditions. Borrowings: The fair value of borrowings has been estimated using a discounted cash flow calculation. The discount rate on such borrowings is based upon rates currently offered for borrowings of similar remaining maturities. The Corporation has various processes and controls in place to ensure that fair value is reasonably estimated. The Corporation generally determines fair value of their Level 3 assets and liabilities by using internally developed models which primarily utilize discounted cash flow techniques and prices obtained from independent management services or brokers. The Corporation performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. While the Corporation believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. During the quarter ended December 31, 2018, there were no significant changes to the Corporation's valuation techniques that had, or are expected to have, a material impact on its consolidated financial position or results of operations.

Incentive Plans

Incentive Plans	6 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Incentive Plans	Note 9: Incentive Plans As of December 31, 2018, the Corporation had two active share-based compensation plans, which are described below. These plans are the 2013 Equity Incentive Plan ("2013 Plan") and the 2010 Equity Incentive Plan ("2010 Plan"). Additionally, the Corporation had one inactive share-based compensation plan - the 2006 Equity Incentive Plan ("2006 Plan") where no new awards can be granted but outstanding grants remain eligible for exercise. For the quarters ended December 31, 2018 and 2017, the compensation cost for these plans was $45,000 and $258,000, respectively. The income tax (deficit) benefit recognized in the Condensed Consolidated Statements of Operations per adoption of ASU 2016-09 for share-based compensation plans for the quarters ended December 31, 2018 and 2017 was $(2,000) and $7,000, respectively. For the first six months ended December 31, 2018 and 2017, the compensation cost for these plans was $730,000 and $524,000, respectively. The income tax benefit recognized in the Condensed Consolidated Statements of Operations per adoption of ASU 2016-09 for share-based compensation plans for the six months ended December 31, 2018 and 2017 was $124,000 and $20,000, respectively. Equity Incentive Plans. Equity Incentive Plans - Stock Options. The fair value of each option grant is estimated on the date of the grant using the Black-Scholes option valuation model with the following assumptions. The expected volatility is based on implied volatility from historical common stock closing prices for the prior 84 months. The expected dividend yield is based on the most recent quarterly dividend on an annualized basis. The expected term is based on the historical experience of all fully vested stock option grants and is reviewed annually. The risk-free interest rate is based on the U.S. Treasury note rate with a term similar to the underlying stock option on the particular grant date. During the second quarter of fiscal 2019, no options were granted or forfeited, while 5,000 options were exercised. This compares to the second quarter of fiscal 2018 when no options were granted or forfeited, while 5,750 options were exercised. During the first six months of fiscal 2019, no options were granted or forfeited, while 20,000 options were exercised. This compares to the first six months of fiscal 2018 when no options were granted, while 27,250 options were exercised and 2,500 options were forfeited. As of December 31, 2018 and 2017, there were 147,500 stock options available for future grants under the Plans at both dates. The following table summarizes the stock option activity in the Plans for the quarter and six months ended December 31, 2018. For the Quarter Ended December 31, 2018 Options Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregate Intrinsic Value ($000) Outstanding at September 30, 2018 514,000 $ 12.84 Granted — $ — Exercised (5,000 ) $ 14.59 Forfeited — $ — Outstanding at December 31, 2018 509,000 $ 12.83 4.80 $ 1,485 Vested and expected to vest at December 31, 2018 506,400 $ 12.79 4.78 $ 1,485 Exercisable at December 31, 2018 496,000 $ 12.65 4.72 $ 1,485 For the Six Months Ended December 31, 2018 Options Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregate Intrinsic Value ($000) Outstanding at June 30, 2018 529,000 $ 12.77 Granted — $ — Exercised (20,000 ) $ 11.31 Forfeited — $ — Outstanding at December 31, 2018 509,000 $ 12.83 4.80 $ 1,485 Vested and expected to vest at December 31, 2018 506,400 $ 12.79 4.78 $ 1,485 Exercisable at December 31, 2018 496,000 $ 12.65 4.72 $ 1,485 As of December 31, 2018 and 2017, there was $76,000 and $652,000 of unrecognized compensation expense, respectively, related to unvested share-based compensation arrangements under the Plans. The expense is expected to be recognized over a weighted-average period of 1.8 years and 1.1 years, respectively. The forfeiture rate during the first six months of fiscal 2019 and 2018 was 20 percent for both periods, and was calculated by using the historical forfeiture experience of stock option grants and is reviewed annually. Equity Incentive Plans – Restricted Stock. There were no restricted stock awards and no forfeitures, while there were 1,500 shares of restricted stock vested in the second quarter of fiscal 2019. This compares to no restricted stock activity in the second quarter of fiscal 2018. For the first six months of fiscal 2019, there was no restricted stock activity, other than the vesting of 86,500 shares. This compares to no restricted stock activity, other than the forfeiture of 2,000 shares for the first six months of fiscal 2018. As of December 31, 2018 and 2017, there were 267,750 shares of restricted stock available for future awards under the Plans at both dates. The following table summarizes the unvested restricted stock activity for the quarter and six months ended December 31, 2018. For the Quarter Ended December 31, 2018 Unvested Shares Shares Weighted- Average Award Date Fair Value Unvested at September 30, 2018 13,500 $18.20 Granted — $— Vested (1,500 ) $17.35 Forfeited — $— Unvested at December 31, 2018 12,000 $18.31 Expected to vest at December 31, 2018 9,600 $18.31 For the Six Months Ended December 31, 2018 Unvested Shares Shares Weighted- Average Award Date Fair Value Unvested at June 30, 2018 98,500 $14.35 Granted — $— Vested (86,500 ) $13.80 Forfeited — $— Unvested at December 31, 2018 12,000 $18.31 Expected to vest at December 31, 2018 9,600 $18.31 As of December 31, 2018 and 2017, the unrecognized compensation expense was $159,000 and $867,000, respectively, related to unvested share-based compensation arrangements under the Plans, and reported as a reduction to stockholders' equity. This expense is expected to be recognized over a weighted-average period of 1.6 years and 1.3 years, respectively. Similar to stock options, a forfeiture rate of 20 percent has been applied for the restricted stock compensation expense calculations in the first six months of fiscal 2019 and 2018.

Reclassification Adjustment of

Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI")	6 Months Ended
	Dec. 31, 2018
Equity [Abstract]
Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI")	Note 10: Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI") The following tables provide the changes in AOCI by component for the quarters and six months ended December 31, 2018 and 2017. For the Quarter Ended December 31, 2018 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at September 30, 2018 $ 172 $ 17 $ 189 Other comprehensive loss before reclassifications (18 ) (2 ) (20 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (18 ) (2 ) (20 ) Ending balance at December 31, 2018 $ 154 $ 15 $ 169 For the Quarter Ended December 31, 2017 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at September 30, 2017 $ 214 $ 16 $ 230 Other comprehensive loss before reclassifications (61 ) (4 ) (65 ) Amount reclassified from accumulated other comprehensive income 42 3 45 Net other comprehensive loss (19 ) (1 ) (20 ) Ending balance at December 31, 2017 $ 195 $ 15 $ 210 For the Six Months Ended December 31, 2018 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at June 30, 2018 $ 194 $ 16 $ 210 Other comprehensive loss before reclassifications (40 ) (1 ) (41 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (40 ) (1 ) (41 ) Ending balance at December 31, 2018 $ 154 $ 15 $ 169 For the Six Months Ended December 31, 2017 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at June 30, 2017 $ 211 $ 18 $ 229 Other comprehensive loss before reclassifications (58 ) (6 ) (64 ) Amount reclassified from accumulated other comprehensive income 42 3 45 Net other comprehensive loss (16 ) (3 ) (19 ) Ending balance at December 31, 2017 $ 195 $ 15 $ 210

Offsetting Derivative and Other

Offsetting Derivative and Other Financial Instruments	6 Months Ended
	Dec. 31, 2018
Offsetting [Abstract]
Offsetting Derivative and Other Financial Instruments	Note 11: Offsetting Derivative and Other Financial Instruments The Corporation’s derivative transactions are generally governed by International Swaps and Derivatives Association Master Agreements and similar arrangements, which include provisions governing the setoff of assets and liabilities between the parties. When the Corporation has more than one outstanding derivative transaction with a single counterparty, the setoff provisions contained within these agreements generally allow the non-defaulting party the right to reduce its liability to the defaulting party by amounts eligible for setoff, including the collateral received as well as eligible offsetting transactions with that counterparty, irrespective of the currency, place of payment, or booking office. The Corporation’s policy is to present its derivative assets and derivative liabilities on the Condensed Consolidated Statements of Financial Condition on a net basis. The derivative assets and liabilities are comprised of mandatory loan sale commitments, TBA MBS trades and option contracts. The following tables present the gross and net amounts of derivative assets and liabilities and other financial instruments as reported in the Corporation’s Condensed Consolidated Statement of Financial Condition, and the gross amount not offset in the Corporation’s Condensed Consolidated Statement of Financial Condition as of the dates indicated. As of December 31, 2018: Gross Net Amount Amount Offset in the of Assets in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Assets Condition Condition Instruments Received Amount Assets Derivatives $ 1 $ — $ 1 $ — $ — $ 1 Total $ 1 $ — $ 1 $ — $ — $ 1 Gross Net Amount Amount Offset in the of Liabilities in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Liabilities Condition Condition Instruments Received Amount Liabilities Derivatives $ 690 $ — $ 690 $ — $ — $ 690 Total $ 690 $ — $ 690 $ — $ — $ 690 As of June 30, 2018: Gross Net Amount Amount Offset in the of Assets in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Assets Condition Condition Instruments Received Amount Assets Derivatives $ — $ — $ — $ — $ — $ — Total $ — $ — $ — $ — $ — $ — Gross Net Amount Amount Offset in the of Liabilities in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Liabilities Condition Condition Instruments Received Amount Liabilities Derivatives $ 440 $ — $ 440 $ — $ — $ 440 Total $ 440 $ — $ 440 $ — $ — $ 440

Revenue From Contracts With Cus

Revenue From Contracts With Customers	6 Months Ended
	Dec. 31, 2018
Revenue Recognition [Abstract]
Revenue From Contracts With Customers	Note 12: Revenue From Contracts With Customers In accordance with ASC 606, revenues are recognized when goods or services are transferred to the customer in exchange for the consideration the Company expects to be entitled to receive. The largest portion of the Company's revenue is from interest income, which is not in the scope of ASC 606. All of the Company's revenue from contracts with customers in the scope of ASC 606 is recognized in non-interest income. If a contract is determined to be within the scope of ASC 606, the Company recognizes revenue as it satisfies a performance obligation. Payments from customers are generally collected at the time services are rendered, monthly, or quarterly. For contracts with customers within the scope of ASC 606, revenue is either earned at a point in time or revenue is earned over time. Examples of revenue earned at a point in time are automated teller machine ("ATM") transaction fees, wire transfer fees, overdraft fees and interchange fees. Revenue is primarily based on the number and type of transactions that are generally derived from transactional information accumulated by our systems and is recognized immediately as the transactions occur or upon providing the service to complete the customer's transaction. The Company is generally the principal in these contracts, with the exception of interchanges fees, in which case the Company is acting as the agent and records revenue net of expenses paid to the principal. Examples of revenue earned over time, which generally occur on a monthly basis, are deposit account maintenance fees, investment advisory fees, merchant revenue, trust and investment management fees and safe deposit box fees. Revenue is generally derived from transactional information accumulated by our systems or those of third-parties and is recognized as the related transactions occur or services are rendered to the customer. Disaggregation of Revenue: The following table includes the Company's non-interest income disaggregated by type of services for the quarters and six months ended December 31, 2018 and 2017: For the Quarters Ended For the Six Months Ended Type of Services 2018 2017 2018 2017 (In Thousands) Asset management fees $ 56 $ 88 $ 138 $ 207 Debit card and ATM fees 413 394 832 796 Deposit related fees 519 543 1,038 1,110 Loan related fees 1 (11 ) 13 (36 ) BOLI (1) 47 67 93 134 Loan servicing fees (1) 277 317 601 680 Net gain on sale of loans (1) 2,263 4,317 5,395 9,164 Other 19 26 34 38 Total non-interest income $ 3,595 $ 5,741 $ 8,144 $ 12,093 (1) Not in scope of ASC 606 . For the quarters and six months ended December 31, 2018 and 2017, substantially all of the Company's revenues within the scope of ASC 606 are for performance obligations satisfied at a specified date. Revenues recognized in scope of ASC 606: Asset management fees . Debit card and ATM fees Deposit related fees Loan related fees Other

Income Taxes

Income Taxes	6 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income Taxes	Note 13: Income Taxes On December 22, 2017, the U.S. Government enacted comprehensive tax legislation commonly referred to as the Tax Cuts and Jobs Act (the "Tax Act"). The Tax Act amends the Internal Revenue Code to reduce tax rates and modify policies, credits, and deductions for individuals and businesses. For businesses, the Tax Act reduces the corporate federal tax income rate from a maximum of 35 percent to a flat 21 percent. The corporate tax rate reduction was effective January 1, 2018. Since the Corporation has a fiscal year end of June 30 th Under generally accepted accounting principles, the Corporation uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. At June 30, 2017, the Corporation's deferred tax assets and liabilities were determined based on the then-current enacted federal tax rate of 35 percent. As a result of the reduction in the corporate income tax rate under the Tax Act, the Corporation revalued its deferred tax assets and liabilities at December 31, 2017. Deferred tax assets and liabilities realized in fiscal year 2018 were re-measured using the aforementioned blended rate. All remaining deferred tax assets and liabilities were re-measured using the new statutory federal rate of 21 percent. These re-measurements collectively resulted in a discrete tax expense of $1.8 million that was recognized in the second quarter of fiscal 2018. The estimated combined federal and state statutory tax rates, before discrete items, for the second quarters of fiscal 2019 and 2018 and for fiscal years 2019 and 2018 are as follows: Statutory Tax Rates Q2FY2019 Q2FY2018 FY2019 FY2018 Federal Tax Rate 21.00% 28.06% 21.00% 28.06% State Tax Rate 10.84% 10.84% 10.84% 10.84% Combined Statutory Tax Rate (1) 29.56% 35.86% 29.56% 35.86% (1) The Corporation's effective tax rate may differ from the estimated statutory tax rates described above due to discrete items such as further adjustments to net deferred tax assets, excess tax benefits derived from stock option exercises and non-taxable earnings from bank owned life insurance, among other items.

Subsequent Events

Subsequent Events	6 Months Ended
	Dec. 31, 2018
Subsequent Events [Abstract]
Subsequent Events	Note 14: Subsequent Events 1) On January 29, 2019, the Corporation announced that the Corporation's Board of Directors declared a quarterly cash dividend of $0.14 per share. Shareholders of the Corporation's common stock at the close of business on February 19, 2019 will be entitled to receive the cash dividend. The cash dividend will be payable on March 12, 2019. 2) On January 30, 2019, the Corporation announced that Bank will close its La Quinta Branch effective at the close of business on May 10, 2019. The Bank anticipates an annual operational cost savings of approximately $473,000, primarily in salaries and employee benefits expenses and premises and occupancy expenses subsequent to the branch closure. Total one-time charges for the branch closure will be approximately $18,000. 3) On February 4, 2019, the Corporation announced that the Corporation's Board of Directors determined that it was in the long-term best interests of the Corporation to exit the operations of the Corporation's mortgage banking segment conducted through PBM. The Corporation estimates that it will incur one-time costs of approximately $3.6 million to $4.0 million during the remainder of fiscal 2019, which amounts include costs for severance, retention, personnel, premises, occupancy, depreciation, and costs related to termination of data processing and other contractual arrangements. For additional information, see the Form 8-K the Corporation filed with the SEC on February 4, 2019.

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The unaudited interim condensed consolidated financial statements included herein reflect all adjustments which are, in the opinion of management, necessary to present a fair statement of the results of operations for the interim periods presented. All such adjustments are of a normal, recurring nature. The condensed consolidated statement of financial condition at June 30, 2018 is derived from the audited consolidated financial statements of Provident Financial Holdings, Inc. and its wholly-owned subsidiary, Provident Savings Bank, F.S.B. (the “Bank”) (collectively, the “Corporation”). Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been omitted pursuant to the rules and regulations of the United States Securities and Exchange Commission (“SEC”) with respect to interim financial reporting. It is recommended that these unaudited interim condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s Annual Report on Form 10-K for the year ended June 30, 2018. The results of operations for the quarter and six months ended December 31, 2018 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2019.
Accounting Standard Updates ("ASU")	Accounting Standard Updates (“ASU”) There have been no accounting standard updates or changes in the status of their adoption that are significant to the Corporation as previously disclosed in Note 1 of the Corporation's Annual Report on Form 10-K for the year ended June 30, 2018, other than: ASU 2014-09: In May 2014, the Financial Accounting Standards Board ("FASB") issued ASU 2014-09, "Revenue from Contracts with Customers," which created FASB Accounting Standards Codification (ASC) Topic 606 ("ASC 606"). ASC 606 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASC 606 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (1) identify the contract(s) with a customer, (2) identify the performance obligations in the contract, (3) determine the transaction price, (4) allocate the transaction price to the performance obligations in the contract and (5) recognize revenue when (or as) the entity satisfies a performance obligation. ASC 606 was effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2017. The Corporation adopted ASC 606 on July 1, 2018 using the modified retrospective approach. Therefore, the comparative information has not been adjusted and continues to be reported under superseded ASC 605. There was no cumulative effect adjustment as of July 1, 2018, and there were no material changes to the timing or amount of revenue recognized for the six months ended December 31, 2018; however, additional disclosures were incorporated in the footnotes upon adoption. The majority of the Company's revenue is comprised of interest income from financial assets, which is explicitly excluded from the scope of ASC 606. The Corporation elected to apply the practical expedient pursuant to ASC 606 and therefore does not disclose information about remaining performance obligations that have an original expected term of one year or less and allows the Corporation to expense costs related to obtaining a contract as incurred when the original amortization period would have been one year or less. See Note 12 for additional discussion. ASU 2018-11 In February 2016, the FASB issued ASU 2016-02, "Leases (Topic 842)." This ASU introduces a lessee model that brings most leases on the balance sheet and aligns many of the underlying principles of the new lessor model with those in the new revenue recognition standard, ASC 606, Revenue From Contracts With Customers. The new leases standard represents a wholesale change to lease accounting and will most likely result in significant implementation challenges during the transition period and beyond. This ASU will be effective for annual periods beginning after December 15, 2018 (i.e., calendar periods beginning on January 1, 2019), and interim periods therein, early adoption is permitted. In July 2018, the FASB issued ASU 2018-11, Leases, Targeted Improvements, which allows entities the option of initially applying the new leases standard at the adoption date (such as January 1, 2019, for calendar year- end public business entities) and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. The Corporation plans to adopt ASU 2018-11 on July 1, 2019. Management is currently assessing the impact of ASU 2016-02 on the Corporation's financial position and results of operations but does not believe that adoption of ASU 2018-11 will have a material impact on its consolidated financial statements. ASU 2018-13 In August 2018, the FASB issued ASU 2018-13, Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement, which modifies disclosure requirements on fair value measurements to improve their effectiveness. The guidance permits entities to consider materiality when evaluating fair value measurement disclosures and, among other modifications, requires certain new disclosures related to Level 3 fair value measurements. The guidance will be effective beginning January 1, 2020, with early adoption permitted. The guidance only affects disclosures in the notes to the consolidated financial statements and will not affect the Corporation’s financial position or results of operations.

Earnings (Loss) Per Share (Tabl

Earnings (Loss) Per Share (Tables)	6 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Schedule of earnings per share, basic and diluted	(In Thousands, Except Earnings Per Share) For the Quarters Ended For the Six Months Ended 2018 2017 2018 2017 Numerator: Net income (loss) – numerator for basic earnings per share and diluted earnings per share - available to common stockholders $ 1,958 $ (777 ) $ 3,781 $ (1,002 ) Denominator: Denominator for basic earnings per share: Weighted-average shares 7,506 7,566 7,468 7,630 Effect of dilutive shares: Stock options 89 — 90 — Restricted stock 7 — 21 — Denominator for diluted earnings per share: Adjusted weighted-average shares and assumed conversions 7,602 7,566 7,579 7,630 Basic (loss) earnings per share $ 0.26 $ (0.10 ) $ 0.51 $ (0.13 ) Diluted (loss) earnings per share $ 0.26 $ (0.10 ) $ 0.50 $ (0.13 )

Operating Segment Reports (Tabl

Operating Segment Reports (Tables)	6 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Schedule of condensed consolidated statements of operations and total assets for operating segment	For the Quarter Ended December 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 9,525 $ 306 $ 9,831 Recovery from the allowance for loan losses (217 ) — (217 ) Net interest income, after recovery from the allowance for loan losses 9,742 306 10,048 Non-interest income: Loan servicing and other fees (1) (149 ) 426 277 Gain on sale of loans, net (2) — 2,263 2,263 Deposit account fees 509 — 509 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (7 ) — (7 ) Card and processing fees 392 — 392 Other 161 — 161 Total non-interest income 906 2,689 3,595 Non-interest expense: Salaries and employee benefits 4,300 2,911 7,211 Premises and occupancy 897 377 1,274 Operating and administrative expenses 1,067 1,323 2,390 Total non-interest expense 6,264 4,611 10,875 Income (loss) before income taxes 4,384 (1,616 ) 2,768 Provision (benefit) for income taxes 1,287 (477 ) 810 Net income (loss) $ 3,097 $ (1,139 ) $ 1,958 Total assets, end of period $ 1,069,379 $ 57,791 $ 1,127,170 (1) Includes an inter-company charge of $258 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $14 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. For the Quarter Ended December 31, 2017 (In Thousands) Provident Provident Consolidated Net interest income $ 8,217 $ 534 $ 8,751 Recovery from the allowance for loan losses (11 ) — (11 ) Net interest income, after recovery from the allowance for loan losses 8,228 534 8,762 Non-interest income: Loan servicing and other fees (1) 108 209 317 Gain on sale of loans, net (2) 22 4,295 4,317 Deposit account fees 536 — 536 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (22 ) — (22 ) Card and processing fees 373 — 373 Other 220 — 220 Total non-interest income 1,237 4,504 5,741 Non-interest expense: Salaries and employee benefits 4,449 4,184 8,633 Premises and occupancy 822 438 1,260 Operating and administrative expenses (3) 1,189 2,131 3,320 Total non-interest expense 6,460 6,753 13,213 Income (loss) before income taxes 3,005 (1,715 ) 1,290 Provision (benefit) for income taxes (4) 2,532 (465 ) 2,067 Net income (loss) $ 473 $ (1,250 ) $ (777 ) Total assets, end of period $ 1,065,204 $ 96,927 $ 1,162,131 (1) Includes an inter-company charge of $99 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $79 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (3) Includes $650,000 of litigation settlement expense for the second quarter of fiscal 2018, all of which was allocated to PBM. (4) Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the quarter ended December 31, 2017. For the Six Months Ended December 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 18,525 $ 663 $ 19,188 (Recovery) provision for loan losses (549 ) 95 (454 ) Net interest income, after (recovery) provision for loan losses 19,074 568 19,642 Non-interest income: Loan servicing and other fees (1) (16 ) 617 601 Gain on sale of loans, net (2) 34 5,361 5,395 Deposit account fees 1,014 — 1,014 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (6 ) — (6 ) Card and processing fees 790 — 790 Other 350 — 350 Total non-interest income 2,166 5,978 8,144 Non-interest expense: Salaries and employee benefits 9,136 6,325 15,461 Premises and occupancy 1,805 814 2,619 Operating and administrative expenses 1,993 2,506 4,499 Total non-interest expense 12,934 9,645 22,579 Income (loss) before income taxes 8,306 (3,099 ) 5,207 Provision (benefit) for income taxes 2,342 (916 ) 1,426 Net income (loss) $ 5,964 $ (2,183 ) $ 3,781 Total assets, end of period $ 1,069,379 $ 57,791 $ 1,127,170 (1) Includes an inter-company charge of $426 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $20 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. For the Six Months Ended December 31, 2017 (In Thousands) Provident Provident Consolidated Net interest income $ 16,767 $ 1,102 $ 17,869 Provision for loan losses 158 — 158 Net interest income, after provision for loan losses 16,609 1,102 17,711 Non-interest income: Loan servicing and other fees (1) 155 525 680 Gain on sale of loans, net (2) 22 9,142 9,164 Deposit account fees 1,094 — 1,094 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (62 ) — (62 ) Card and processing fees 754 — 754 Other 463 — 463 Total non-interest income 2,426 9,667 12,093 Non-interest expense: Salaries and employee benefits 8,951 8,951 17,902 Premises and occupancy 1,649 925 2,574 Operating and administrative expenses (3) 3,440 5,031 8,471 Total non-interest expense 14,040 14,907 28,947 Income (loss) before income taxes 4,995 (4,138 ) 857 Provision (benefit) for income taxes (4) 3,343 (1,484 ) 1,859 Net income (loss) $ 1,652 $ (2,654 ) $ (1,002 ) Total assets, end of period $ 1,065,204 $ 96,927 $ 1,162,131 (1) Includes an inter-company charge of $339 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $138 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (3) Includes $3.4 million $2.1 million (4) Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the six months ended December 31, 2017.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Schedule of available-for-sale securities reconciliation	December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Estimated Fair Value Carrying Value (In Thousands) Held to maturity: U.S. government sponsored enterprise MBS (1) $ 81,451 $ 369 $ (285 ) $ 81,535 $ 81,451 U.S. SBA securities (2) 2,939 — (18 ) 2,921 2,939 Certificate of deposits 600 — — 600 600 Total investment securities - held to maturity $ 84,990 $ 369 $ (303 ) $ 85,056 $ 84,990 Available for sale: U.S. government agency MBS $ 3,824 $ 118 $ — $ 3,942 $ 3,942 U.S. government sponsored enterprise MBS 2,213 98 — 2,311 2,311 Private issue CMO (3) 307 3 — 310 310 Total investment securities - available for sale $ 6,344 $ 219 $ — $ 6,563 $ 6,563 Total investment securities $ 91,334 $ 588 $ (303 ) $ 91,619 $ 91,553 (1) Mortgage-Backed Securities ("MBS"). (2) Small Business Administration ("SBA"). (3) Collateralized Mortgage Obligations ("CMO"). June 30, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Estimated Fair Value Carrying Value (In Thousands) Held to maturity: U.S. government sponsored enterprise MBS $ 84,227 $ 203 $ (762 ) $ 83,668 $ 84,227 U.S. SBA securities 2,986 — (15 ) 2,971 2,986 Certificate of deposits 600 — — 600 600 Total investment securities - held to maturity $ 87,813 $ 203 $ (777 ) $ 87,239 $ 87,813 Available for sale: U.S. government agency MBS $ 4,234 $ 150 $ — $ 4,384 $ 4,384 U.S. government sponsored enterprise MBS 2,640 122 — 2,762 2,762 Private issue CMO 346 4 — 350 350 Total investment securities - available for sale $ 7,220 $ 276 $ — $ 7,496 $ 7,496 Total investment securities $ 95,033 $ 479 $ (777 ) $ 94,735 $ 95,309
Schedule of investments with unrealized loss position	As of December 31, 2018 Unrealized Holding Losses Unrealized Holding Losses Unrealized Holding Losses (In Thousands) Less Than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity: U.S. government sponsored enterprise MBS $ — $ — $ 37,363 $ 285 $ 37,363 $ 285 U.S. SBA securities 2,914 18 — — 2,914 18 Total investment securities $ 2,914 $ 18 $ 37,363 $ 285 $ 40,277 $ 303 As of June 30, 2018 Unrealized Holding Losses Unrealized Holding Losses Unrealized Holding Losses (In Thousands) Less Than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Held to maturity: U.S. government sponsored enterprise MBS $ 47,045 $ 762 $ — $ — $ 47,045 $ 762 U.S. SBA securities 2,964 15 — — 2,964 15 Total investment securities $ 50,009 $ 777 $ — $ — $ 50,009 $ 777
Schedule of investments classified by contractual maturity	December 31, 2018 June 30, 2018 (In Thousands) Amortized Estimated Amortized Estimated Held to maturity: Due in one year or less $ 600 $ 600 $ 600 $ 600 Due after one through five years 35,169 34,918 24,961 24,569 Due after five through ten years 17,537 17,689 22,847 22,477 Due after ten years 31,684 31,849 39,405 39,593 Total investment securities - held to maturity $ 84,990 $ 85,056 $ 87,813 $ 87,239 Available for sale: Due in one year or less $ — $ — $ — $ — Due after one through five years — — — — Due after five through ten years — — — — Due after ten years 6,344 6,563 7,220 7,496 Total investment securities - available for sale $ 6,344 $ 6,563 $ 7,220 $ 7,496 Total investment securities $ 91,334 $ 91,619 $ 95,033 $ 94,735

Loans Held For Investment (Tabl

Loans Held For Investment (Tables)	6 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Schedule of loans held for investment	(In Thousands) December 31, June 30, Mortgage loans: Single-family $ 312,499 $ 314,808 Multi-family 447,033 476,008 Commercial real estate 112,830 109,726 Construction (1) 3,986 3,174 Other 167 167 Commercial business loans (2) 455 500 Consumer loans (3) 103 109 Total loans held for investment, gross 877,073 904,492 Advance payments of escrows 95 18 Deferred loan costs, net 5,306 5,560 Allowance for loan losses (7,061 ) (7,385 ) Total loans held for investment, net $ 875,413 $ 902,685 (1) Net of $5.7 million and $4.3 million of undisbursed loan funds as of December 31, 2018 and June 30, 2018, respectively (2) Net of $1.5 million and $495 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively. (3) Net of $487 and $503 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.
Schedule of loans held for investment, contractual repricing	Adjustable Rate (In Thousands) Within One Year After Years After Years After Years Fixed Rate Total Mortgage loans: Single-family $ 105,981 $ 31,216 $ 100,552 $ 63,034 $ 11,716 $ 312,499 Multi-family 129,858 162,154 142,177 12,642 202 447,033 Commercial real estate 41,376 35,953 35,008 — 493 112,830 Construction 2,600 — — — 1,386 3,986 Other — — — — 167 167 Commercial business loans 57 — — — 398 455 Consumer loans 103 — — — — 103 Total loans held for investment, gross $ 279,975 $ 229,323 $ 277,737 $ 75,676 $ 14,362 $ 877,073
Schedule of gross loans held for investment by loan types and risk category	December 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Mortgage Commercial Business Consumer Total Pass $ 303,973 $ 443,127 $ 122,830 $ 3,241 $ 167 $ 399 $ 103 $ 863,80 Special Mention 1,400 3,906 — — — — 5,306 Substandard 7,126 — — 745 — 56 — 7,927 Total loans held for investment, gross $ 312,499 $ 447,033 $ 112,830 $ 3,986 $ 167 $ 455 $ 103 $ 877,073 June 30, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Mortgage Commercial Business Consumer Total Pass $ 304,619 $ 472,061 $ 108,786 $ 3,174 $ 167 $ 430 $ 109 $ 889,346 Special Mention 2,548 3,947 940 — — — — 7,435 Substandard 7,641 — — — — 70 — 7,711 Total loans held for investment, gross $ 314,808 $ 476 008 $ 109,726 $ 3,174 $ 167 $ 500 $ 109 $ 904,492
Schedule of allowance for loan losses	(In Thousands) December 31, 2018 June 30, 2018 Collectively evaluated for impairment: Mortgage loans: Single-family $ 2,520 $ 2,632 Multi-family 3,280 3,492 Commercial real estate 1,019 1,030 Construction 48 47 Other 3 3 Commercial business loans 17 18 Consumer loans 6 6 Total collectively evaluated allowance 6,893 7,228 Individually evaluated for impairment: Mortgage loans: Single-family 159 151 Commercial business loans 9 6 Total individually evaluated allowance 168 157 Total loan loss allowance $ 7,061 $ 7,385 For the Quarters Ended For the Six Months Ended (Dollars in Thousands) 2018 2017 2018 2017 Allowance at beginning of period $ 7,155 $ 8,063 $ 7,385 $ 8,039 (Recovery) provision for loan losses (217 ) (11 ) (454 ) 158 Recoveries: Mortgage loans: Single-family 123 48 155 132 Consumer loans — — 1 — Total recoveries 123 48 156 132 Charge-offs: Mortgage loans: Single-family — (25 ) (25 ) (254 ) Consumer loans — — (1 ) — Total charge-offs — (25 ) (26 ) (254 ) Net recoveries (charge-offs) 123 23 130 (122 ) Balance at end of period $ 7,061 $ 8,075 $ 7,061 $ 8,075 Allowance for loan losses as a percentage of gross loans held for investment at the end of the period 0.80 % 0.90 % 0.80 % 0.90 % Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) (0.05 )% (0.01 )% (0.03 )% 0.02 %
Schedule of past due status of gross loans held for investment, net of fair value adjustments	December 31, 2018 (In Thousands) Current 30-89 Days Past Due Non-Accrual (1) Total Loans Held for Investment, Gross Mortgage loans: Single-family $ 306,873 $ — $ 5,626 $ 312,499 Multi-family 447,033 — — 447,033 Commercial real estate 112,830 — — 112,830 Construction 3,241 — 745 3,986 Other 167 — — 167 Commercial business loans 399 — 56 455 Consumer loans 101 2 — 103 Total loans held for investment, gross $ 870,644 $ 2 $ 6,427 $ 877,073 (1) June 30, 2018 (In Thousands) Current 30-89 Days Past Due Non-Accrual (1) Total Loans Held for Investment, Gross Mortgage loans: Single-family $ 307,863 $ 804 $ 6,141 $ 314,808 Multi-family 476,008 — — 476,008 Commercial real estate 109,726 — — 109,726 Construction 3,174 — — 3,174 Other 167 — — 167 Commercial business loans 430 — 70 500 Consumer loans 108 1 — 109 Total loans held for investment, gross $ 897,476 $ 805 $ 6,211 $ 904,492 (1)
Schedule of allowance for loan losses and recorded investment	Quarter Ended December 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,741 $ 3,336 $ 1,012 $ 38 $ 3 $ 19 $ 6 $ 7,155 (Recovery) provision for loan losses (185 ) (56 ) 7 10 — 7 — (217 ) Recoveries 123 — — — — — — 123 Charge-offs — — — — — — — — Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ 3 $ 26 $ 6 $ 7,061 Allowance for loan losses: Individually evaluated for impairment $ 159 $ — $ — $ — $ — $ 9 $ — $ 168 Collectively evaluated for impairment 2,520 3,280 1,019 48 3 17 6 6,893 Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ 3 $ 26 $ 6 $ 7,061 Loans held for investment: Individually evaluated for impairment $ 5,817 $ — $ — $ 745 $ — $ 56 $ — $ 6,618 Collectively evaluated for impairment 306,682 447,033 112,830 3,241 167 399 103 870,455 Total loans held for investment, gross $ 312,499 $ 447,033 $ 112,830 $ 3,986 $ 167 $ 455 $ 103 $ 877,073 Allowance for loan losses as a percentage of gross loans held for investment 0.86 % 0.73 % 0.90 % 1.20 % 1.80 % 5.71 % 5.83 % 0.80 % Quarter Ended December 31, 2017 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,579 $ 3,431 $ 875 $ 140 $ 31 $ 7 $ 8,063 (Recovery) provision for loan losses (299 ) (136 ) 58 364 1 1 (11 ) Recoveries 48 — — — — — 48 Charge-offs (25 ) — — — — — (25 ) Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ 15 $ — $ 15 Collectively evaluated for impairment 3,303 3,295 933 504 17 8 8,060 Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Loans held for investment: Individually evaluated for impairment $ 7,038 $ — $ — $ — $ 76 $ — $ 7,114 Collectively evaluated for impairment 306,799 463,786 103,366 7,072 402 144 881,569 Total loans held for investment, gross $ 313,837 $ 463,786 $ 103,366 $ 7,072 $ 478 $ 144 $ 888,683 Allowance for loan losses as a percentage of gross loans held for investment 1.05 % 0.71 % 0.90 % 7.13 % 6.69 % 5.56 % 0.90 % Six Months Ended December 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,783 $ 3,492 $ 1,030 $ 47 $ $ 3 $ 24 $ 6 $ 7,385 (Recovery) provision for loan losses (234 ) (212 ) (11 ) 1 — 2 — (454 ) Recoveries 155 — — — — — 1 156 Charge-offs (25 ) — — — — — (1 ) (26 ) Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ $ 3 $ 26 $ 6 $ 7,061 Allowance for loan losses: Individually evaluated for impairment $ 159 $ — $ — $ — $ $ — $ 9 $ — $ 168 Collectively evaluated for impairment 2,520 3,280 1,019 48 3 17 6 6,893 Allowance for loan losses, end of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ $ 3 $ 26 $ 6 $ 7,061 Loans held for investment: Individually evaluated for impairment $ 5,817 $ — $ — $ 745 $ $ — $ 56 $ — $ 6,618 Collectively evaluated for impairment 306,682 447,033 112,830 3,241 167 399 103 870,455 Total loans held for investment, gross $ 312,499 $ 447,033 $ 112,830 $ 3,986 $ 167 $ 455 $ 103 $ 877,073 Allowance for loan losses as a percentage of gross loans held for investment 0.86 % 0.73 % 0.90 % 1.20 % 1.80 % 5.71 % 5.83 % 0.80 % Six Months Ended December 31, 2017 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,601 $ 3,420 $ 879 $ 96 $ 36 $ 7 $ 8,039 (Recovery) provision for loan losses (176 ) (125 ) 54 408 (4 ) 1 158 Recoveries 132 — — — — — 132 Charge-offs (254 ) — — — — — (254 ) Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ 15 $ — $ 15 Collectively evaluated for impairment 3,303 3,295 933 504 17 8 8,060 Allowance for loan losses, end of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Loans held for investment: Individually evaluated for impairment $ 7,038 $ — $ — $ — $ 76 $ — $ 7,114 Collectively evaluated for impairment 306,799 463,786 103,366 7,072 402 144 881,569 Total loans held for investment, gross $ 313,837 $ 463,786 $ 103,366 $ 7,072 $ 478 $ 144 $ 888,683 Allowance for loan losses as a percentage of gross loans held for investment 1.05 % 0.71 % 0.90 % 7.13 % 6.69 % 5.56 % 0.90 %
Schedule of recorded investment in non-performing loans	At December 31, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,856 $ — $ 2,856 $ (393 ) $ 2,463 Without a related allowance (2) 3,368 (561 ) 2,807 — 2,807 Total single-family 6,224 (561 ) 5,663 (393 ) 5,270 Construction: Without a related allowance (3) 745 — 745 — 745 Total construction 745 — 745 — 745 Commercial business loans: With a related allowance 56 — 56 (9 ) 47 Total commercial business loans 56 — 56 (9 ) 47 Total non-performing loans $ 7,025 $ (561 ) $ 6,464 $ (402 ) $ 6,062 (1) (2) (3) At June 30, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 1,333 $ — $ 1,333 $ (185 ) $ 1,148 Without a related allowance (2) 5,569 (724 ) 4,845 — 4,845 Total single-family 6,902 (724 ) 6,178 (185 ) 5,993 Commercial business loans: With a related allowance 70 — 70 (6 ) 64 Total commercial business loans 70 — 70 (6 ) 64 Total non-performing loans $ 6,972 $ (724 ) $ 6,248 $ (191 ) $ 6,057 (1) (2) Quarter Ended December 31, 2018 2017 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 3,326 $ 189 $ 7,301 $ — Construction 745 — — — 4,071 189 7,301 — With related allowances: Mortgage loans: Single-family 2,487 36 786 8 Commercial business loans 60 1 76 2 2,547 37 862 10 Total $ 6,618 $ 226 $ 8,163 $ 10 Six Months Ended December 31, 2018 2017 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 3,963 $ 229 $ 7,659 $ 135 Commercial real estate — — 34 13 Construction 496 — — 496 4,459 229 7,693 148 With related allowances: Mortgage loans: Single-family 2,279 60 608 19 Commercial business loans 64 2 77 3 2,343 62 685 22 Total $ 6,802 $ 291 $ 8,378 $ 170
Schedule of troubled debt restructurings by nonaccrual versus accrual status	At At (In Thousands) December 31, 2018 June 30, 2018 Restructured loans on non-accrual status: Mortgage loans: Single-family $ 2,698 $ 3,328 Commercial business loans 47 64 Total 2,745 3,392 Restructured loans on accrual status: Mortgage loans: Single-family 1,425 1,788 Total 1,425 1,788 Total restructured loans $ 4,170 $ 5,180
Schedule of recorded investment in restructured loans	At December 31, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,214 $ — $ 2,214 $ (124 ) $ 2,090 Without a related allowance (2) 2,407 (374 ) 2,033 — 2,033 Total single-family 4,621 (374 ) 4,247 (124 ) 4,123 Commercial business loans: With a related allowance 56 — 56 (9 ) 47 Total commercial business loans 56 — 56 (9 ) 47 Total restructured loans $ 4,677 $ (374 ) $ 4,303 $ (133 ) $ 4,170 (1) (2) At June 30, 2018 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family With a related allowance $ 2,228 $ — $ 2,228 $ (151 ) $ 2,077 Without a related allowance (2) 3,450 (411 ) 3,039 — 3,039 Total single-family 5,678 (411 ) 5,267 (151 ) 5,116 Commercial business loans: With a related allowance 70 — 70 (6 ) 64 Total commercial business loans 70 — 70 (6 ) 64 Total restructured loans $ 5,748 $ (411 ) $ 5,337 $ (157 ) $ 5,180 (1) (2)

Derivative and Other Financia_2

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Tables)	6 Months Ended
	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of undisbursed funds commitments	Commitments December 31, 2018 June 30, 2018 (In Thousands) Undisbursed loan funds – Construction loans $ 5,747 $ 4,302 Undisbursed lines of credit – Commercial business loans 1,488 495 Undisbursed lines of credit – Consumer loans 487 503 Commitments to extend credit on loans to be held for investment 7,376 9,352 Total $ 15,098 $ 14,652
Schedule of allowance for loan losses of undisbursed funds and commitments on loans held for investment	For the Quarters Ended For the Six Months Ended (In Thousands) 2018 2017 2018 2017 Balance, beginning of the period $ 149 $ 213 $ 157 $ 277 Provision (recovery) 1 (25 ) (7 ) (89 ) Balance, end of the period $ 150 $ 188 $ 150 $ 188
Schedule of impact of derivative financial instruments on gain on sale of loans	For the Quarters Ended For the Six Months Ended Derivative Financial Instruments 2018 2017 2018 2017 (In Thousands) Commitments to extend credit on loans to be held for sale $ 8 $ 29 $ (321 ) $ (93 ) Mandatory loan sale commitments and TBA (928 ) (582 ) (249 ) (791 ) Option contracts, net — — — (37 ) Total net loss $ (920 ) $ (553 ) $ (570 ) $ (921 )
Schedule of outstanding derivative instruments	December 31, 2018 June 30, 2018 Derivative Financial Instruments Amount Fair Amount Fair (In Thousands) Commitments to extend credit on loans to be held for sale (1) $ 27,260 $ 504 $ 56,906 $ 825 Best efforts loan sale commitments (12,795 ) — (29,502 ) — Mandatory loan sale commitments and TBA MBS trades (66,721 ) (689 ) (117,759 ) (440 ) Total $ (52,256 ) $ (185 ) $ (90,355 ) $ 385 (1) Net of 26.3% at December 31, 2018 and 24.7% at June 30, 2018 of commitments which management has estimated may not fund.
Schedule of summary of recourse liability	For the Quarters Ended December 31, For the Six Months Ended Recourse Liability 2018 2017 2018 2017 (In Thousands) Balance, beginning of the period $ 250 $ 305 $ 283 $ 305 Recovery from recourse liability — (22 ) (33 ) (22 ) Net settlements in lieu of loan repurchases — — — — Balance, end of the period $ 250 $ 283 $ 250 $ 283

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Schedule of aggregate fair value and aggregate unpaid principal balance of loans held for sale	(In Thousands) Aggregate Fair Value Aggregate Unpaid Principal Balance Net Unrealized (Loss) Gain As of December 31, 2018: Loans held for investment, at fair value $ 4,995 $ 5,261 $ (266 ) Loans held for sale, at fair value $ 57,562 $ 55,648 $ 1,914 As of June 30, 2018: Loans held for investment, at fair value $ 5,234 $ 5,546 $ (312 ) Loans held for sale, at fair value $ 96,298 $ 93,791 $ 2,507
Schedule of fair value, assets and liabilities measured on recurring basis	Fair Value Measurement at December 31, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 3,942 $ — $ 3,942 U.S. government sponsored enterprise MBS — 2,311 — 2,311 Private issue CMO — — 310 310 Investment securities - available for sale — 6,253 310 6,563 Loans held for investment, at fair value — — 4,995 4,995 Loans held for sale, at fair value — 57,562 — 57,562 Interest-only strips — — 21 21 Derivative assets: Commitments to extend credit on loans to be held for sale — — 505 505 Mandatory loan sale commitments — — 1 1 Derivative assets — — 506 506 Total assets $ — $ 63,815 $ 5,832 $ 69,647 Liabilities: Derivative liabilities: Commitments to extend credit on loans to be held for sale $ — $ — $ 1 $ 1 Mandatory loan sale commitments — — 10 10 TBA MBS trades — 680 — 680 Derivative liabilities — 680 11 691 Total liabilities $ — $ 680 $ 11 $ 691 Fair Value Measurement at June 30, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 4,384 $ — $ 4,384 U.S. government sponsored enterprise MBS — 2,762 — 2,762 Private issue CMO — — 350 350 Investment securities - available for sale — 7,146 350 7,496 Loans held for investment, at fair value — — 5,234 5,234 Loans held for sale, at fair value — 96,298 — 96,298 Interest-only strips — — 23 23 Derivative assets: Commitments to extend credit on loans to be held for sale — — 849 849 Derivative assets — — 849 849 Total assets $ — $ 103,444 $ 6,456 $ 109,900 Liabilities: Derivative liabilities: Commitments to extend credit on loans to be held for sale $ — $ — $ 24 $ 24 Mandatory loan sale commitments — — 32 32 TBA MBS trades — 408 — 408 Derivative liabilities — 408 56 464 Total liabilities $ — $ 408 $ 56 $ 464
Schedule for reconciliation of recurring fair value measurements using level 3 inputs	For the Quarter Ended December 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commitments to Originate (2) Mandatory Commitments (3) Total Beginning balance at September 30, 2018 $ 316 $ 4,945 $ 24 $ 496 $ (9 ) $ 5,772 Total gains or losses (realized/unrealized): Included in earnings — 95 — 8 (1 ) 102 Included in other comprehensive loss (1 ) — (3 ) — — (4 ) Purchases — — — — — — Issuances — — — — — — Settlements (5 ) (45 ) — — 1 (49 ) Transfers in and/or out of Level 3 — — — — — — Ending balance at December 31, 2018 $ 310 $ 4,995 $ 21 $ 504 $ (9 ) $ 5,821 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. For the Quarter Ended December 31, 2017 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commit- ments to Originate (2) Manda- tory Commit- ments (3) Total Beginning balance at September 30, 2017 $ 448 $ 6,924 $ 28 $ 687 $ (4 ) $ 8,083 Total gains or losses (realized/unrealized): Included in earnings — 38 — 29 (20 ) 47 Included in other comprehensive loss — — (2 ) — — (2 ) Purchases — — — — — — Issuances — — — — — — Settlements (29 ) (1,805 ) — — — (1,834 ) Transfers in and/or out of Level 3 — — — — — — Ending balance at December 31, 2017 $ 419 $ 5,157 $ 26 $ 716 $ (24 ) $ 6,294 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. For the Six Months Ended December 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commitments to Originate (2) Mandatory Commitments (3) Total Beginning balance at June 30, 2018 $ 350 $ 5,234 $ 23 $ 825 $ (32 ) $ 6,400 Total gains or losses (realized/unrealized): Included in earnings — 46 — (321 ) 21 (254 ) Included in other comprehensive loss (1 ) — (2 ) — — (3 ) Purchases — — — — — — Issuances — — — — — — Settlements (39 ) (755 ) — — 2 (792 ) Transfers in and/or out of Level 3 — 470 — — — 470 Ending balance at December 31, 2018 $ 310 $ 4,995 $ 21 $ 504 $ (9 ) $ 5,821 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments. For the Six Months Ended December 31, 2017 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held For Investment, at fair value (1) Interest- Only Strips Loan Commit- ments to Originate (2) Manda- tory Commit- ments (3) Option Contracts Total Beginning balance at June 30, 2017 $ 461 $ 6,445 $ 31 $ 809 $ 47 $ 37 $ 7,830 Total gains or losses (realized/unrealized): Included in earnings — 46 — (93 ) (73 ) (37 ) (157 ) Included in other comprehensive loss 1 — (5 ) — — — (4 ) Purchases — — — — — — — Issuances — — — — — — — Settlements (43 ) (1,856 ) — — 2 — (1,897 ) Transfers in and/or out of Level 3 — 522 — — — — 522 Ending balance at December 31, 2017 $ 419 $ 5,157 $ 26 $ 716 $ (24 ) $ — $ 6,294 (1) The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan. (2) Consists of commitments to extend credit on loans to be held for sale. (3) Consists of mandatory loan sale commitments.
Schedule of fair value assets measured on nonrecurring basis	Fair Value Measurement at December 31, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans $ — $ 4,313 $ 1,749 $ 6,062 Mortgage servicing assets — — 513 513 Real estate owned, net — — — — Total $ — $ 4,313 $ 2,262 $ 6,575 Fair Value Measurement at June 30, 2018 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans $ — $ 4,845 $ 1,212 $ 6,057 Mortgage servicing assets — — 135 135 Real estate owned, net — 906 — 906 Total $ — $ 5,751 $ 1,347 $ 7,098
Schedule of additional information about valuation techniques and inputs used for assets and liabilities	(Dollars In Thousands) Fair Value Valuation Techniques Unobservable Inputs Range (1) (Weighted Average) Impact to Valuation from an Increase in Inputs (2) Assets: Securities available - for sale: Private issue CMO $ 310 Market comparable pricing Comparability adjustment 0.8% – 1.0% (0.9%) Increase Loans held for investment, at fair value $ 4,995 Relative value Broker quotes 96.7% – 103.5% Increase Non-performing loans $ 712 Discounted cash flow Default rates 5.0% Decrease Non-performing loans $ 1,037 Relative value analysis Loss severity 20.0% - 30.0% (23.0%) Decrease Mortgage servicing assets $ 513 Discounted cash flow Prepayment speed (CPR) Discount rate 8.3% - 60.0% (18.2%)9.0% - 10.5% (9.2%) Decrease Interest-only strips $ 21 Discounted cash flow Prepayment speed (CPR) Discount rate 11.4% - 30.5% (28.1%)9.0% Decrease Commitments to extend credit on loans to be held for sale $ 505 Relative value analysis TBA-MBS broker quotes Fall-out ratio (3) 98.3% – 104.6% Increase Mandatory loan sale commitments $ 1 Relative value analysis TBA MBS broker quotes Roll-forward costs (4) 104.0% of par Decrease Liabilities: Commitments to extend credit on loans to be held for sale $ 1 Relative value analysis TBA-MBS broker quotes Fall-out ratio (3) 102.6% – 102.6% Decrease Mandatory loan sale commitments $ 10 Relative value analysis TBA MBS broker quotes Roll-forward costs (4) 102.4% - 103.4% Increase (1) The range is based on the estimated fair values and management estimates. (2) Unless otherwise noted, this column represents the directional change in the fair value of the Level 3 investments that would result from an increase to the corresponding unobservable input. A decrease to the unobservable input would have the opposite effect. Significant changes in these inputs in isolation could result in significantly higher or lower fair value measurements. (3) The percentage of commitments to extend credit on loans to be held for sale which management has estimated may not fund. (4) An estimated cost to roll forward the mandatory loan sale commitments which management has estimated may not be delivered to the corresponding investors in a timely manner.
Schedule of carrying amount and fair value of financial instruments	December 31, 2018 (In Thousands) Carrying Fair Financial assets: Investment securities - held to maturity $ 84,990 $ 85,056 — $ 85,056 $ — Loans held for investment, not recorded at fair value $ 870,418 $ 842,908 — — $ 842,908 FHLB – San Francisco stock $ 8,199 $ 8,199 — $ 8,199 — Financial liabilities: Deposits $ 872,884 $ 843,671 — — $ 843,671 Borrowings $ 111,135 $ 109,680 — — $ 109,680 June 30, 2018 (In Thousands) Carrying Fair Financial assets: Investment securities - held to maturity $ 87,813 $ 87,239 — $ 87,239 — Loans held for investment, not recorded at fair value $ 897,451 $ 873,112 — — $ 873,112 FHLB – San Francisco stock $ 8,199 $ 8,199 — $ 8,199 — Financial liabilities: Deposits $ 907,598 $ 877,641 — — $ 877,641 Borrowings $ 126,163 $ 123,778 — — $ 123,778

Incentive Plans (Tables)

Incentive Plans (Tables)	6 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of stock option activity	For the Quarter Ended December 31, 2018 Options Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregate Intrinsic Value ($000) Outstanding at September 30, 2018 514,000 $ 12.84 Granted — $ — Exercised (5,000 ) $ 14.59 Forfeited — $ — Outstanding at December 31, 2018 509,000 $ 12.83 4.80 $ 1,485 Vested and expected to vest at December 31, 2018 506,400 $ 12.79 4.78 $ 1,485 Exercisable at December 31, 2018 496,000 $ 12.65 4.72 $ 1,485 For the Six Months Ended December 31, 2018 Options Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregate Intrinsic Value ($000) Outstanding at June 30, 2018 529,000 $ 12.77 Granted — $ — Exercised (20,000 ) $ 11.31 Forfeited — $ — Outstanding at December 31, 2018 509,000 $ 12.83 4.80 $ 1,485 Vested and expected to vest at December 31, 2018 506,400 $ 12.79 4.78 $ 1,485 Exercisable at December 31, 2018 496,000 $ 12.65 4.72 $ 1,485
Schedule of unvested restricted stock activity	For the Quarter Ended December 31, 2018 Unvested Shares Shares Weighted- Average Award Date Fair Value Unvested at September 30, 2018 13,500 $18.20 Granted — $— Vested (1,500 ) $17.35 Forfeited — $— Unvested at December 31, 2018 12,000 $18.31 Expected to vest at December 31, 2018 9,600 $18.31 For the Six Months Ended December 31, 2018 Unvested Shares Shares Weighted- Average Award Date Fair Value Unvested at June 30, 2018 98,500 $14.35 Granted — $— Vested (86,500 ) $13.80 Forfeited — $— Unvested at December 31, 2018 12,000 $18.31 Expected to vest at December 31, 2018 9,600 $18.31

Reclassification Adjustment o_2

Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI") (Tables)	6 Months Ended
	Dec. 31, 2018
Equity [Abstract]
Schedule of accumulated other comprehensive income	For the Quarter Ended December 31, 2018 Unrealized gains and losses on (In Thousands) Investment securities available for sale Interest- only strips Total Beginning balance at September 30, 2018 $ 172 $ 17 $ 189 Other comprehensive loss before reclassifications (18 ) (2 ) (20 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (18 ) (2 ) (20 ) Ending balance at December 31, 2018 $ 154 $ 15 $ 169 For the Quarter Ended December 31, 2017 Unrealized gains and losses on (In Thousands) Investment securities available for sale Interest- only strips Total Beginning balance at September 30, 2017 $ 214 $ 16 $ 230 Other comprehensive loss before reclassifications (61 ) (4 ) (65 ) Amount reclassified from accumulated other comprehensive income 42 3 45 Net other comprehensive loss (19 ) (1 ) (20 ) Ending balance at December 31, 2017 $ 195 $ 15 $ 210 For the Six Months Ended December 31, 2018 Unrealized gains and losses on (In Thousands) Investment securities available for sale Interest- only strips Total Beginning balance at June 30, 2018 $ 194 $ 16 $ 210 Other comprehensive loss before reclassifications (40 ) (1 ) (41 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (40 ) (1 ) (41 ) Ending balance at December 31, 2018 $ 154 $ 15 $ 169 For the Six Months Ended December 31, 2017 Unrealized gains and losses on (In Thousands) Investment securities available for sale Interest- only strips Total Beginning balance at June 30, 2017 $ 211 $ 18 $ 229 Other comprehensive loss before reclassifications (58 ) (6 ) (64 ) Amount reclassified from accumulated other comprehensive income 42 3 45 Net other comprehensive loss (16 ) (3 ) (19 ) Ending balance at December 31, 2017 $ 195 $ 15 $ 210

Offsetting Derivative and Oth_2

Offsetting Derivative and Other Financial Instruments (Tables)	6 Months Ended
	Dec. 31, 2018
Offsetting [Abstract]
Schedule of gross and net amounts of derivative assets	As of December 31, 2018: Gross Net Amount Amount Offset in the of Assets in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Assets Condition Condition Instruments Received Amount Assets Derivatives $ 1 $ — $ 1 $ — $ — $ 1 Total $ 1 $ — $ 1 $ — $ — $ 1 As of June 30, 2018: Gross Net Amount Amount Offset in the of Assets in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Assets Condition Condition Instruments Received Amount Assets Derivatives $ — $ — $ — $ — $ — $ — Total $ — $ — $ — $ — $ — $ —
Schedule of gross and net amounts of derivative liabilities	As of December 31, 2018: Gross Net Amount Amount Offset in the of Liabilities in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Liabilities Condition Condition Instruments Received Amount Liabilities Derivatives $ 690 $ — $ 690 $ — $ — $ 690 Total $ 690 $ — $ 690 $ — $ — $ 690 As of June 30, 2018: Gross Net Amount Amount Offset in the of Liabilities in Gross Amount Not Offset in Condensed the Condensed the Condensed Consolidated Gross Consolidated Consolidated Statements of Financial Condition Amount of Statements Statements Cash Recognized of Financial of Financial Financial Collateral Net (In Thousands) Liabilities Condition Condition Instruments Received Amount Liabilities Derivatives $ 440 $ — $ 440 $ — $ — $ 440 Total $ 440 $ — $ 440 $ — $ — $ 440

Revenue From Contracts With C_2

Revenue From Contracts With Customers (Tables)	6 Months Ended
	Dec. 31, 2018
Revenue Recognition [Abstract]
Schedule of non-interest income disaggregated by type of service	For the Quarters Ended For the Six Months Ended Type of Services 2018 2017 2018 2017 (In Thousands) Asset management fees $ 56 $ 88 $ 138 $ 207 Debit card and ATM fees 413 394 832 796 Deposit related fees 519 543 1,038 1,110 Loan related fees 1 (11 ) 13 (36 ) BOLI (1) 47 67 93 134 Loan servicing fees (1) 277 317 601 680 Net gain on sale of loans (1) 2,263 4,317 5,395 9,164 Other 19 26 34 38 Total non-interest income $ 3,595 $ 5,741 $ 8,144 $ 12,093 (1) Not in scope of ASC 606 .

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Schedule of estimated combined federal and state statutory tax rates	Statutory Tax Rates Q2FY2019 Q2FY2018 FY2019 FY2018 Federal Tax Rate 21.00% 28.06% 21.00% 28.06% State Tax Rate 10.84% 10.84% 10.84% 10.84% Combined Statutory Tax Rate (1) 29.56% 35.86% 29.56% 35.86% (1)

Earnings (Loss) Per Share - Sum

Earnings (Loss) Per Share - Summary of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Numerator:
Net income (loss) - numerator for basic earnings per share and diluted earnings per share - available to common stockholders	$ 1,958	$ (777)	$ 3,781	$ (1,002)
Denominator for basic earnings per share:
Weighted-average shares	7,506	7,566	7,468	7,630
Denominator for diluted earnings per share:
Adjusted weighted-average shares and assumed conversions	7,602	7,566	7,579	7,630
Basic (loss) earnings per share (in dollars per share)	$ 0.26	$ (0.10)	$ 0.51	$ (0.13)
Diluted (loss) earnings per share (in dollars per share)	$ 0.26	$ (0.10)	$ 0.50	$ (0.13)
Stock options
Denominator for basic earnings per share:
Effect of dilutive shares	89	0	90	0
Restricted stock
Denominator for basic earnings per share:
Effect of dilutive shares	7	0	21	0

Earnings (Loss) Per Share (Deta

Earnings (Loss) Per Share (Detail Textuals) - shares	6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options, outstanding	509,000	585,500
Antidilutive securities excluded from computation of earnings per share	45,000	585,500
Restricted stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Restricted stock awards outstanding, dilutive effect	12,000
Antidilutive securities excluded from computation of earnings per share		109,000

Operating Segment Reports (Deta

Operating Segment Reports (Details) - USD ($) $ in Thousands		3 Months Ended				6 Months Ended
		Dec. 31, 2018		Dec. 31, 2017		Dec. 31, 2018		Dec. 31, 2017		Jun. 30, 2018
Net interest income		$ 9,831		$ 8,751		$ 19,188		$ 17,869
(Recovery) provision for loan losses		(217)		(11)		(454)		158
Net interest income, after recovery from the allowance for loan losses		10,048		8,762		19,642		17,711
Non-interest income:
Gain on sale of loans, net	[2]	2,263	[1]	4,317	[3]	5,395	[4]	9,164	[5]
Loss on sale and operations of real estate owned acquired in the settlement of loans, net		(7)		(22)		(6)		(62)
Other		161		220		350		463
Total non-interest income		3,595		5,741		8,144		12,093
Non-interest expense:
Salaries and employee benefits		7,211		8,633		15,461		17,902
Premises and occupancy		1,274		1,260		2,619		2,574
Operating and administrative expenses		2,390		3,320	[6]	4,499		8,471	[7]
Total non-interest expense		10,875		13,213		22,579		28,947
Income (loss) before income taxes		2,768		1,290		5,207		857
Provision (benefit) for income taxes	[8]	810		2,067		1,426		1,859
Net income (loss)		1,958		(777)		3,781		(1,002)
Total assets, end of period		1,127,170		1,162,131		1,127,170		1,162,131		$ 1,175,549
Loan servicing and other fees
Non-interest income:
Total non-interest income	[2]	277	[9]	317	[10]	601	[11]	680	[12]
Deposit account fees
Non-interest income:
Total non-interest income		509		536		1,014		1,094
Card and processing fees
Non-interest income:
Total non-interest income		392		373		790		754
Provident Bank
Net interest income		9,525		8,217		18,525		16,767
(Recovery) provision for loan losses		(217)		(11)		(549)		158
Net interest income, after recovery from the allowance for loan losses		9,742		8,228		19,074		16,609
Non-interest income:
Gain on sale of loans, net		0	[1]	22	[3]	34	[4]	22	[5]
Loss on sale and operations of real estate owned acquired in the settlement of loans, net		(7)		(22)		(6)		(62)
Other		161		220		350		463
Total non-interest income		906		1,237		2,166		2,426
Total non-interest income		906		1,237		2,166		2,426
Non-interest expense:
Salaries and employee benefits		4,300		4,449		9,136		8,951
Premises and occupancy		897		822		1,805		1,649
Operating and administrative expenses		1,067		1,189	[6]	1,993		3,440	[7]
Total non-interest expense		6,264		6,460		12,934		14,040
Income (loss) before income taxes		4,384		3,005		8,306		4,995
Provision (benefit) for income taxes		1,287		2,532	[13]	2,342		3,343
Net income (loss)		3,097		473		5,964		1,652
Total assets, end of period		1,069,379		1,065,204		1,069,379		1,065,204
Provident Bank | Loan servicing and other fees
Non-interest income:
Total non-interest income		(149)	[9]	108	[10]	(16)	[11]	155	[12]
Provident Bank | Deposit account fees
Non-interest income:
Total non-interest income		509		536		1,014		1,094
Provident Bank | Card and processing fees
Non-interest income:
Total non-interest income		392		373		790		754
Provident Bank Mortgage
Net interest income		306		534		663		1,102
(Recovery) provision for loan losses		0		0		95		0
Net interest income, after recovery from the allowance for loan losses		306		534		568		1,102
Non-interest income:
Gain on sale of loans, net		2,263	[1]	4,295	[3]	5,361	[4]	9,142	[5]
Loss on sale and operations of real estate owned acquired in the settlement of loans, net		0		0		0		0
Other		0		0		0		0
Total non-interest income		2,689		4,504		5,978		9,667
Total non-interest income		2,689		4,504		5,978		9,667
Non-interest expense:
Salaries and employee benefits		2,911		4,184		6,325		8,951
Premises and occupancy		377		438		814		925
Operating and administrative expenses		1,323		2,131	[6]	2,506		5,031	[7]
Total non-interest expense		4,611		6,753		9,645		14,907
Income (loss) before income taxes		(1,616)		(1,715)		(3,099)		(4,138)
Provision (benefit) for income taxes		(477)		(465)	[13]	(916)		(1,484)
Net income (loss)		(1,139)		(1,250)		(2,183)		(2,654)
Total assets, end of period		57,791		96,927		57,791		96,927
Provident Bank Mortgage | Loan servicing and other fees
Non-interest income:
Total non-interest income		426	[9]	209	[10]	617	[11]	525	[12]
Provident Bank Mortgage | Deposit account fees
Non-interest income:
Total non-interest income		0		0		0		0
Provident Bank Mortgage | Card and processing fees
Non-interest income:
Total non-interest income		$ 0		$ 0		$ 0		$ 0
[1]	Includes an inter-company charge of $14 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[2]	Not in scope of ASC 606.
[3]	Includes an inter-company charge of $79 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[4]	Includes an inter-company charge of $20 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[5]	Includes an inter-company charge of $138 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[6]	Includes $650,000 of litigation settlement expense for the second quarter of fiscal 2018, all of which was allocated to PBM.
[7]	Includes $3.4 million of litigation settlement expense for the first six months of fiscal 2018, of which $2.1 million was allocated to PBM.
[8]	Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for both the quarter and six months ended December 31, 2017.
[9]	Includes an inter-company charge of $258 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[10]	Includes an inter-company charge of $99 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[11]	Includes an inter-company charge of $426 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[12]	Includes an inter-company charge of $339 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[13]	Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the quarter ended December 31, 2017.

Operating Segment Reports (De_2

Operating Segment Reports (Detail Textuals) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018USD ($)Segment	Dec. 31, 2017USD ($)Segment	Dec. 31, 2018USD ($)Segment	Dec. 31, 2017USD ($)Segment
Segment Reporting Information [Line Items]
Number of operating segments | Segment	2	2	2	2
Litigation settlement expense				$ 3,400
Revaluation of net deferred tax assets		$ 1,800		1,800
Provident Bank Mortgage
Segment Reporting Information [Line Items]
Payments for origination of mortgage loans held-for-sale	$ 258	99	$ 426	339
Servicing fees on loans sold	$ 14	$ 79	20	138
Litigation settlement expense			$ 650	$ 2,100

Investment Securities (Details)

Investment Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2018		Jun. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 84,990		$ 87,813
Gross Unrealized Gains	369		203
Gross Unrealized (Losses)	(303)		(777)
Estimated Fair Value	85,056		87,239
Carrying Value	84,990		87,813
U.S. government sponsored enterprise MBS
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	81,451	[1]	84,227
Gross Unrealized Gains	369	[1]	203
Gross Unrealized (Losses)	(285)	[1]	(762)
Estimated Fair Value	81,535	[1]	83,668
Carrying Value	81,451	[1]	84,227
U.S. SBA securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	2,939	[2]	2,986
Gross Unrealized Gains	0	[2]	0
Gross Unrealized (Losses)	(18)	[2]	(15)
Estimated Fair Value	2,921	[2]	2,971
Carrying Value	2,939	[2]	2,986
Certificate of deposits
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	600		600
Gross Unrealized Gains	0		0
Gross Unrealized (Losses)	0		0
Estimated Fair Value	600		600
Carrying Value	$ 600		$ 600
[1]	Includes a net tax charge of $1.8 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for both the quarter and six months ended December 31, 2017.
[2]	Small Business Administration ("SBA").

Investment Securities (Details

Investment Securities (Details 1) - USD ($) $ in Thousands	Dec. 31, 2018		Jun. 30, 2018
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 6,344		$ 7,220
Gross Unrealized Gains	219		276
Gross Unrealized (Losses)	0		0
Estimated Fair Value	6,563		7,496
Carrying value	6,563		7,496
U.S. government agency MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,824		4,234
Gross Unrealized Gains	118		150
Gross Unrealized (Losses)	0		0
Estimated Fair Value	3,942		4,384
Carrying value	3,942		4,384
U.S. government sponsored enterprise MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,213		2,640
Gross Unrealized Gains	98		122
Gross Unrealized (Losses)	0		0
Estimated Fair Value	2,311		2,762
Carrying value	2,311		2,762
Private issue CMO
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	307	[1]	346
Gross Unrealized Gains	3	[1]	4
Gross Unrealized (Losses)	0	[1]	0
Estimated Fair Value	310	[1]	350
Carrying value	$ 310	[1]	$ 350
[1]	Collateralized Mortgage Obligations ("CMO").

Investment Securities (Detail_2

Investment Securities (Details 2) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Investments, Debt and Equity Securities [Abstract]
Amortized Cost	$ 91,334	$ 95,033
Gross Unrealized Gains	588	479
Gross Unrealized (Losses)	(303)	(777)
Estimated Fair Value	91,619	94,735
Carrying Value	$ 91,553	$ 95,309

Investment Securities (Detail_3

Investment Securities (Details 3) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	$ 2,914	$ 50,009
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	18	777
Unrealized Holding Losses 12 Months or More, Fair Value	37,363	0
Unrealized Holding Losses 12 Months or More, Unrealized Losses	285	0
Unrealized Holding Losses Total, Fair Value	40,277	50,009
Unrealized Holding Losses Total, Unrealized Losses	303	777
U.S. government sponsored enterprise MBS
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	0	47,045
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	0	762
Unrealized Holding Losses 12 Months or More, Fair Value	37,363	0
Unrealized Holding Losses 12 Months or More, Unrealized Losses	285	0
Unrealized Holding Losses Total, Fair Value	37,363	47,045
Unrealized Holding Losses Total, Unrealized Losses	285	762
U.S. SBA securities
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	2,914	2,964
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	18	15
Unrealized Holding Losses 12 Months or More, Fair Value	0	0
Unrealized Holding Losses 12 Months or More, Unrealized Losses	0	0
Unrealized Holding Losses Total, Fair Value	2,914	2,964
Unrealized Holding Losses Total, Unrealized Losses	$ 18	$ 15

Investment Securities (Detail_4

Investment Securities (Details 4) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Held to maturity, Amortized Cost
Due in one year or less	$ 600	$ 600
Due after one through five years	35,169	24,961
Due after five through ten years	17,537	22,847
Due after ten years	31,684	39,405
Total investment securities - held to maturity, Amortized Cost	84,990	87,813
Held to maturity, Estimated Fair Value
Due in one year or less	600	600
Due after one through five years	34,918	24,569
Due after five through ten years	17,689	22,477
Due after ten years	31,849	39,593
Total investment securities - held to maturity, Estimated Fair Value	$ 85,056	$ 87,239

Investment Securities (Detail_5

Investment Securities (Details 5) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Available for sale, Amortized Cost
Due in one year or less	$ 0	$ 0
Due after one through five years	0	0
Due after five through ten years	0	0
Due after ten years	6,344	7,220
Total investment securities - available for sale, Amortized Cost	6,344	7,220
Available for sale, Estimated Fair Value
Due in one year or less	0	0
Due after one through five years	0	0
Due after five through ten years	0	0
Due after ten years	6,563	7,496
Total investment securities - available for sale, Estimated Fair Value	$ 6,563	$ 7,496

Investment Securities (Detail T

Investment Securities (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Jun. 30, 2018
Debt Securities, Available-for-sale [Line Items]
Principal payments from investment securities available for sale	$ 8,300	$ 5,800	$ 16,700	$ 11,700
Unrealized Holding Losses Total, Unrealized Losses	303		303		$ 777
Unrealized Holding Losses 12 Months or More, Unrealized Losses	285		285		0
U.S. government sponsored enterprise MBS
Debt Securities, Available-for-sale [Line Items]
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	13,500	$ 28,400	13,500	$ 38,500
Unrealized Holding Losses Total, Unrealized Losses	285		285		762
Unrealized Holding Losses 12 Months or More, Unrealized Losses	$ 285		$ 285		$ 0

Loans Held For Investment (Deta

Loans Held For Investment (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		$ 877,073		$ 904,492	$ 888,683
Advance payments of escrows		95		18
Deferred loan costs, net		5,306		5,560
Allowance for loan losses		(7,061)	$ (7,155)	(7,385)	$ (8,075)	$ (8,063)	$ (8,039)
Total loans held for investment, net		875,413		902,685
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		312,499		314,808
Mortgage loans, Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		447,033		476,008
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		112,830		109,726
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	[1]	3,986		3,174
Mortgage loans other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		167		167
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	[2]	455		500
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	[3]	$ 103		$ 109
[1]	Net of $5.7 million and $4.3 million of undisbursed loan funds as of December 31, 2018 and June 30, 2018, respectively
[2]	Net of $1.5 million and $495 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.
[3]	Net of $487 and $503 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.

Loans Held For Investment (Pare

Loans Held For Investment (Parentheticals) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Undisbursed loan funds	$ 5,700	$ 4,300
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Undisbursed loan funds	1,500	495
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Undisbursed loan funds	$ 487	$ 503

Loans Held For Investment (De_2

Loans Held For Investment (Details 1) - USD ($) $ in Thousands		Dec. 31, 2018	Jun. 30, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		$ 14,362
Total loans held for investment, gross		877,073	$ 904,492	$ 888,683
Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		279,975
After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		229,323
After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		277,737
After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		75,676
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		11,716
Total loans held for investment, gross		312,499	314,808
Mortgage loans, Single-family | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		105,981
Mortgage loans, Single-family | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		31,216
Mortgage loans, Single-family | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		100,552
Mortgage loans, Single-family | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		63,034
Mortgage loans, Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		202
Total loans held for investment, gross		447,033	476,008
Mortgage loans, Multi-family | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		129,858
Mortgage loans, Multi-family | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		162,154
Mortgage loans, Multi-family | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		142,177
Mortgage loans, Multi-family | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		12,642
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		493
Total loans held for investment, gross		112,830	109,726
Mortgage loans, Commercial real estate | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		41,376
Mortgage loans, Commercial real estate | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		35,953
Mortgage loans, Commercial real estate | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		35,008
Mortgage loans, Commercial real estate | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		1,386
Total loans held for investment, gross	[1]	3,986	3,174
Mortgage loans, Construction | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		2,600
Mortgage loans, Construction | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans, Construction | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans, Construction | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		167
Total loans held for investment, gross		167	167
Mortgage loans other | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans other | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans other | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Mortgage loans other | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		398
Total loans held for investment, gross	[2]	455	500
Commercial business loans | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		57
Commercial business loans | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Commercial business loans | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Commercial business loans | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		0
Total loans held for investment, gross	[3]	103	$ 109
Consumer loans | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		103
Consumer loans | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Consumer loans | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		0
Consumer loans | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		$ 0
[1]	Net of $5.7 million and $4.3 million of undisbursed loan funds as of December 31, 2018 and June 30, 2018, respectively
[2]	Net of $1.5 million and $495 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.
[3]	Net of $487 and $503 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.

Loans Held For Investment (De_3

Loans Held For Investment (Details 2) - USD ($) $ in Thousands		Dec. 31, 2018	Jun. 30, 2018	Dec. 31, 2017
Total loans held for investment, gross		$ 877,073	$ 904,492	$ 888,683
Pass
Total loans held for investment, gross		86,380	889,346
Special Mention
Total loans held for investment, gross		5,306	7,435
Substandard
Total loans held for investment, gross		7,927	7,711
Single-family
Total loans held for investment, gross		312,499	314,808
Single-family | Pass
Total loans held for investment, gross		303,973	304,619
Single-family | Special Mention
Total loans held for investment, gross		1,400	2,548
Single-family | Substandard
Total loans held for investment, gross		7,126	7,641
Multi-family
Total loans held for investment, gross		447,033	476,008
Multi-family | Pass
Total loans held for investment, gross		443,127	472,061
Multi-family | Special Mention
Total loans held for investment, gross		3,906	3,947
Multi-family | Substandard
Total loans held for investment, gross		0	0
Commercial Real Estate
Total loans held for investment, gross		112,830	109,726
Commercial Real Estate | Pass
Total loans held for investment, gross		122,830	108,786
Commercial Real Estate | Special Mention
Total loans held for investment, gross		0	940
Commercial Real Estate | Substandard
Total loans held for investment, gross		0	0
Mortgage loans, Construction
Total loans held for investment, gross	[1]	3,986	3,174
Mortgage loans, Construction | Pass
Total loans held for investment, gross		3,241	3,174
Mortgage loans, Construction | Special Mention
Total loans held for investment, gross		0	0
Mortgage loans, Construction | Substandard
Total loans held for investment, gross		745	0
Other Mortgage
Total loans held for investment, gross		167	167
Other Mortgage | Pass
Total loans held for investment, gross		167	167
Other Mortgage | Special Mention
Total loans held for investment, gross			0
Other Mortgage | Substandard
Total loans held for investment, gross		0	0
Commercial Business
Total loans held for investment, gross	[2]	455	500
Commercial Business | Pass
Total loans held for investment, gross		399	430
Commercial Business | Special Mention
Total loans held for investment, gross		0	0
Commercial Business | Substandard
Total loans held for investment, gross		56	70
Consumer
Total loans held for investment, gross	[3]	103	109
Consumer | Pass
Total loans held for investment, gross		103	109
Consumer | Special Mention
Total loans held for investment, gross		0	0
Consumer | Substandard
Total loans held for investment, gross		$ 0	$ 0
[1]	Net of $5.7 million and $4.3 million of undisbursed loan funds as of December 31, 2018 and June 30, 2018, respectively
[2]	Net of $1.5 million and $495 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.
[3]	Net of $487 and $503 of undisbursed lines of credit as of December 31, 2018 and June 30, 2018, respectively.

Loans Held For Investment (De_4

Loans Held For Investment (Details 3) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	$ 168		$ 157	$ 15
Total collectively evaluated allowance	6,893		7,228	8,060
Total loan loss allowance	7,061	$ 7,155	7,385	8,075	$ 8,063	$ 8,039
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	159		151	0
Total collectively evaluated allowance	2,520		2,632	3,303
Total loan loss allowance	2,679	2,741	2,783	3,303	3,579	3,601
Mortgage loans, Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	0			0
Total collectively evaluated allowance	3,280		3,492	3,295
Total loan loss allowance	3,280	3,336	3,492	3,295	3,431	3,420
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	0			0
Total collectively evaluated allowance	1,019		1,030	933
Total loan loss allowance	1,019	1,012	1,030	933	875	879
Construction Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	0			0
Total collectively evaluated allowance	48		47	504
Total loan loss allowance	48	38	47	504	140	96
Mortgage loans other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	0
Total collectively evaluated allowance	3		3
Total loan loss allowance	3	3	3
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	9		6	15
Total collectively evaluated allowance	17		18	17
Total loan loss allowance	26	19	24	32	31	36
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total individually evaluated allowance	0			0
Total collectively evaluated allowance	6		6	8
Total loan loss allowance	$ 6	$ 6	$ 6	$ 8	$ 7	$ 7

Loans Held For Investment (De_5

Loans Held For Investment (Details 4) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 7,155	$ 8,063	$ 7,385	$ 8,039
(Recovery) provision for loan losses	(217)	(11)	(454)	158
Total recoveries	123	48	156	132
Total charge-offs	0	(25)	(26)	(254)
Net recoveries (charge-offs)	123	23	130	(122)
Balance, end of the period	$ 7,061	$ 8,075	$ 7,061	$ 8,075
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.80%	0.90%	0.80%	0.90%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized)	(0.05%)	(0.01%)	(0.03%)	0.02%
Mortgage loans, Single-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 2,741	$ 3,579	$ 2,783	$ 3,601
(Recovery) provision for loan losses	(185)	(299)	(234)	(176)
Total recoveries	123	48	155	132
Total charge-offs	0	(25)	(25)	(254)
Balance, end of the period	$ 2,679	$ 3,303	$ 2,679	$ 3,303
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.86%	1.05%	0.86%	1.05%
Mortgage loans, Multi-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 3,336	$ 3,431	$ 3,492	$ 3,420
(Recovery) provision for loan losses	(56)	(136)	(212)	(125)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 3,280	$ 3,295	$ 3,280	$ 3,295
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.73%	0.71%	0.73%	0.71%
Commercial Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 1,012	$ 875	$ 1,030	$ 879
(Recovery) provision for loan losses	7	58	(11)	54
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 1,019	$ 933	$ 1,019	$ 933
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.90%	0.90%	0.90%	0.90%
Construction Loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 38	$ 140	$ 47	$ 96
(Recovery) provision for loan losses	10	364	1	408
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 48	$ 504	$ 48	$ 504
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	1.20%	7.13%	1.20%	7.13%
Mortgage loans other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 3		$ 3
(Recovery) provision for loan losses	0		0
Total recoveries	0		0
Total charge-offs	0		0
Balance, end of the period	$ 3		$ 3
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	1.80%		1.80%
Commercial business loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 19	$ 31	$ 24	$ 36
(Recovery) provision for loan losses	7	1	2	(4)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 26	$ 32	$ 26	$ 32
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	5.71%	6.69%	5.71%	6.69%
Consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 6	$ 7	$ 6	$ 7
(Recovery) provision for loan losses	0	1	0	1
Total recoveries	0	0	1	0
Total charge-offs	0	0	(1)	0
Balance, end of the period	$ 6	$ 8	$ 6	$ 8
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	5.83%	5.56%	5.83%	5.56%

Loans Held For Investment (De_6

Loans Held For Investment (Details 5) - USD ($) $ in Thousands	Dec. 31, 2018		Jun. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 870,644		$ 897,476
30-89 Days Past Due	2		805
Non-Accrual	6,427	[1]	6,211
Total Loans Held for Investment, Gross	877,073		904,492
Mortgage loans, Single-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	306,873		307,863
30-89 Days Past Due	0		804
Non-Accrual	5,626	[1]	6,141
Total Loans Held for Investment, Gross	312,499		314,808
Mortgage loans, Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	447,033		476,008
30-89 Days Past Due	0		0
Non-Accrual	0	[1]	0
Total Loans Held for Investment, Gross	447,033		476,008
Mortgage loans, Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	112,830		109,726
30-89 Days Past Due	0		0
Non-Accrual	0	[1]	0
Total Loans Held for Investment, Gross	112,830		109,726
Mortgage loans, Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	3,241		3,174
30-89 Days Past Due	0		0
Non-Accrual	745	[1]	0
Total Loans Held for Investment, Gross	3,986		3,174
Mortgage loans other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	167		167
30-89 Days Past Due	0		0
Non-Accrual	0	[1]	0
Total Loans Held for Investment, Gross	167		167
Commercial business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	399		430
30-89 Days Past Due	0		0
Non-Accrual	56	[1]	70
Total Loans Held for Investment, Gross	455		500
Consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	101		108
30-89 Days Past Due	2		1
Non-Accrual	0	[1]	0
Total Loans Held for Investment, Gross	$ 103		$ 109
[1]	All loans 90 days or greater past due are placed on non-accrual status.

Loans Held For Investment (De_7

Loans Held For Investment (Details 6) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Jun. 30, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 7,155	$ 8,063	$ 7,385	$ 8,039
(Recovery) provision for loan losses	(217)	(11)	(454)	158
Total recoveries	123	48	156	132
Total charge-offs	0	(25)	(26)	(254)
Net recoveries (charge-offs)	123	23	130	(122)
Balance, end of the period	$ 7,061	$ 8,075	$ 7,061	$ 8,075
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.80%	0.90%	0.80%	0.90%
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized)	(0.05%)	(0.01%)	(0.03%)	0.02%
Total individually evaluated allowance	$ 168	$ 15	$ 168	$ 15	$ 157
Total collectively evaluated allowance	6,893	8,060	6,893	8,060	7,228
Individually Evaluated for Impairment	6,618	7,114	6,618	7,114
Collectively Evaluated for Impairment	870,455	881,569	870,455	881,569
Total loans held for investment, gross	877,073	888,683	877,073	888,683	904,492
Mortgage loans, Single-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	2,741	3,579	2,783	3,601
(Recovery) provision for loan losses	(185)	(299)	(234)	(176)
Total recoveries	123	48	155	132
Total charge-offs	0	(25)	(25)	(254)
Balance, end of the period	$ 2,679	$ 3,303	$ 2,679	$ 3,303
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.86%	1.05%	0.86%	1.05%
Total individually evaluated allowance	$ 159	$ 0	$ 159	$ 0	151
Total collectively evaluated allowance	2,520	3,303	2,520	3,303	2,632
Individually Evaluated for Impairment	5,817	7,038	5,817	7,038
Collectively Evaluated for Impairment	306,682	306,799	306,682	306,799
Total loans held for investment, gross	312,499	313,837	312,499	313,837
Mortgage loans, Multi-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	3,336	3,431	3,492	3,420
(Recovery) provision for loan losses	(56)	(136)	(212)	(125)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 3,280	$ 3,295	$ 3,280	$ 3,295
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.73%	0.71%	0.73%	0.71%
Total individually evaluated allowance	$ 0	$ 0	$ 0	$ 0
Total collectively evaluated allowance	3,280	3,295	3,280	3,295	3,492
Individually Evaluated for Impairment	0	0	0	0
Collectively Evaluated for Impairment	447,033	463,786	447,033	463,786
Total loans held for investment, gross	447,033	463,786	447,033	463,786
Mortgage loans, Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	1,012	875	1,030	879
(Recovery) provision for loan losses	7	58	(11)	54
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 1,019	$ 933	$ 1,019	$ 933
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.90%	0.90%	0.90%	0.90%
Total individually evaluated allowance	$ 0	$ 0	$ 0	$ 0
Total collectively evaluated allowance	1,019	933	1,019	933	1,030
Individually Evaluated for Impairment	0	0	0	0
Collectively Evaluated for Impairment	112,830	103,366	112,830	103,366
Total loans held for investment, gross	112,830	103,366	112,830	103,366
Mortgage loans, Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	38	140	47	96
(Recovery) provision for loan losses	10	364	1	408
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 48	$ 504	$ 48	$ 504
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	1.20%	7.13%	1.20%	7.13%
Total individually evaluated allowance	$ 0	$ 0	$ 0	$ 0
Total collectively evaluated allowance	48	504	48	504	47
Individually Evaluated for Impairment	745	0	745	0
Collectively Evaluated for Impairment	3,241	7,072	3,241	7,072
Total loans held for investment, gross	3,986	7,072	3,986	7,072
Mortgage loans other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	3		3
(Recovery) provision for loan losses	0		0
Total recoveries	0		0
Total charge-offs	0		0
Balance, end of the period	$ 3		$ 3
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	1.80%		1.80%
Total individually evaluated allowance	$ 0		$ 0
Total collectively evaluated allowance	3		3		3
Individually Evaluated for Impairment	0		0
Collectively Evaluated for Impairment	167		167
Total loans held for investment, gross	167		167
Commercial business loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	19	31	24	36
(Recovery) provision for loan losses	7	1	2	(4)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 26	$ 32	$ 26	$ 32
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	5.71%	6.69%	5.71%	6.69%
Total individually evaluated allowance	$ 9	$ 15	$ 9	$ 15	6
Total collectively evaluated allowance	17	17	17	17	18
Individually Evaluated for Impairment	56	76	56	76
Collectively Evaluated for Impairment	399	402	399	402
Total loans held for investment, gross	455	478	455	478
Consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	6	7	6	7
(Recovery) provision for loan losses	0	1	0	1
Total recoveries	0	0	1	0
Total charge-offs	0	0	(1)	0
Balance, end of the period	$ 6	$ 8	$ 6	$ 8
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	5.83%	5.56%	5.83%	5.56%
Total individually evaluated allowance	$ 0	$ 0	$ 0	$ 0
Total collectively evaluated allowance	6	8	6	8	$ 6
Individually Evaluated for Impairment	0	0	0	0
Collectively Evaluated for Impairment	103	144	103	144
Total loans held for investment, gross	$ 103	$ 144	$ 103	$ 144

Loans Held For Investment (De_8

Loans Held For Investment (Details 7) - USD ($) $ in Thousands		Dec. 31, 2018		Jun. 30, 2018
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance		$ 7,025
Related Charge-Offs		(561)
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment		6,464
Related Allowance	[1]	(402)
Recorded Investment, Net of Allowance		6,062
Mortgage loans, Single-family
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With a related allowance Unpaid Principal Balance		2,856		$ 1,333
Without a related allowance, Unpaid Principal Balance		3,368	[2]	5,569
Unpaid Principal Balance		6,224		6,902
With Related Allowance, Related Charge-Offs		0		0
With No Related Allowance, Related Charge-Offs		(561)	[2]	(724)
Related Charge-Offs		(561)		(724)
Impaired Financing Receivable, Recorded Investment [Abstract]
With Related Allowance, Recorded Investment		2,856		1,333
With No Related Allowance, Recorded Investment		2,807	[2]	4,845
Recorded Investment		5,663		6,178
Related Allowance		(393)	[1]	(185)
Recorded Investment, with Related Allowance, Net		2,463		1,148
Recorded Investment, with No Related Allowance, Net		2,807	[2]	4,845
Recorded Investment, Net of Allowance		5,270		5,993
Construction Loans
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Without a related allowance, Unpaid Principal Balance	[3]	745
Unpaid Principal Balance		745		6,972
With No Related Allowance, Related Charge-Offs	[3]	0
Related Charge-Offs		0		(724)
Impaired Financing Receivable, Recorded Investment [Abstract]
With No Related Allowance, Recorded Investment	[3]	745
Recorded Investment		745		6,248
Related Allowance				(191)
Recorded Investment, with No Related Allowance, Net	[3]	745
Recorded Investment, Net of Allowance		745		6,057
Commercial business loans
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With a related allowance Unpaid Principal Balance		56		70
Unpaid Principal Balance		56		70
With Related Allowance, Related Charge-Offs		0		0
Related Charge-Offs		0		0
Impaired Financing Receivable, Recorded Investment [Abstract]
With Related Allowance, Recorded Investment		56		70
Recorded Investment		56		70
Related Allowance		(9)	[1]	(6)
Recorded Investment, with Related Allowance, Net		47		64
Recorded Investment, Net of Allowance		$ 47		$ 64
[1]	Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments.
[2]	There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
[3]	There was no related allowance for loan losses because the loans, net of undisbursed loan funds, have been charged-off to their fair value or the fair value of the collateral is higher than the net loan balance.

Loans Held For Investment (De_9

Loans Held For Investment (Details 8) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment	$ 4,071	$ 7,301	$ 4,459	$ 7,693
With related allowances, Average Recorded Investment	2,547	862	2,343	685
Average Recorded Investment	6,618	8,163	6,802	8,378
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized	189	0	229	148
With related allowances, Interest Income Recognized	37	10	62	22
Interest Income Recognized	226	10	291	170
Commercial business loans
Impaired Financing Receivable, Average Recorded Investment [Abstract]
With related allowances, Average Recorded Investment	60	76	64	77
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
With related allowances, Interest Income Recognized	1	2	2	3
Commercial Real Estate
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment			0	34
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized			0	13
Mortgage loans, Single-family
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment	3,326	7,301	3,963	7,659
With related allowances, Average Recorded Investment	2,487	786	2,279	608
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized	189	0	229	135
With related allowances, Interest Income Recognized	36	8	60	19
Mortgage loans, Construction
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment	4,847	0	496	0
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized	$ 0	$ 0	$ 0	$ 496

Loans Held For Investment (D_10

Loans Held For Investment (Details 9) - USD ($)	Dec. 31, 2018	Jun. 30, 2018
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	$ 2,745,000	$ 3,392,000
Restructured loans on accrual status	1,425,000	1,788,000
Restructured loans	4,170,000	5,180,000
Mortgage loans, Single-family
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	2,698,000	3,328,000
Restructured loans on accrual status	1,425,000	1,788,000
Commercial business loans
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	47,000	64,000
Substandard
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	2,800,000	3,400,000
Substandard | Restructured loans on accrual status
Financing Receivable, Modifications [Line Items]
Restructured loans on accrual status	$ 1,400,000	1,400,000
Special Mention | Restructured loans on accrual status
Financing Receivable, Modifications [Line Items]
Restructured loans on accrual status		$ 389,000

Loans Held For Investment (D_11

Loans Held For Investment (Details 10) - USD ($) $ in Thousands		Dec. 31, 2018	Jun. 30, 2018
Financing Receivable, Impaired [Line Items]
Restructured Loans, Unpaid Principal Balance		$ 4,677	$ 5,748
Restructured Loans, Related Charge-offs		(374)	(411)
Restructured Loans, Recorded Investment		4,303	5,337
Restructured Loans, Allowance for Loan Losses	[1]	(133)	(157)
Restructured loans, Net Investment		4,170	5,180
Mortgage loans, Single-family
Financing Receivable, Impaired [Line Items]
Restructured Loans, With Related Allowance, Unpaid Principal Balance		2,214	2,228
Restructured Loans, Without a Related Allowance, Unpaid Principal Balance		2,407	3,450	[2]
Restructured Loans, Unpaid Principal Balance		4,621	5,678
Restructured Loans, With Related Allowance, Related Charge-offs		0	0
Restructured Loans, Without a Related Allowance, Related Charge-offs	[2]	(374)	(411)
Restructured Loans, Related Charge-offs		(374)	(411)
Restructured Loans, With a Related Allowance, Recorded Investment		2,214	2,228
Restructured Loans, Without a Related Allowance, Recorded Investment	[2]	2,033	3,039
Restructured Loans, Recorded Investment		4,247	5,267
Restructured Loans, Allowance for Loan Losses	[1]	(124)	(151)
Restructured loans, With a related allowance, Net Investment		2,090	2,077
Restructured Loans, Without a Related Allowance, Net Investment	[2]	2,033	3,039
Restructured loans, Net Investment		4,123	5,116
Commercial business loans
Financing Receivable, Impaired [Line Items]
Restructured Loans, With Related Allowance, Unpaid Principal Balance		56	70
Restructured Loans, Unpaid Principal Balance		56	70
Restructured Loans, With Related Allowance, Related Charge-offs		0	0
Restructured Loans, Related Charge-offs		0	0
Restructured Loans, With a Related Allowance, Recorded Investment		56	70
Restructured Loans, Recorded Investment		56	70
Restructured Loans, Allowance for Loan Losses	[1]	(9)	(6)
Restructured loans, With a related allowance, Net Investment		47	64
Restructured loans, Net Investment		$ 47	$ 64
[1]	Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan.
[2]	There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.

Loans Held For Investment (D_12

Loans Held For Investment (Detail Textuals)	6 Months Ended
	Dec. 31, 2018	Jun. 30, 2018
Fixed-rate loans as a percentage of total loans held for investment	2.00%	2.00%
First Trust Deed Loans
Loans deemed uncollectible, period of delinquency	150 days
Commercial Business or Second Trust Deed Loans
Loans deemed uncollectible, period of delinquency	120 days
Troubled Debt Restructurings
Loans deemed uncollectible, period of delinquency	90 days
Bankruptcy
Loans deemed uncollectible, period of delinquency	60 days
Maximum
Segregated restructured loans, period of delinquency	90 days
Maximum | Bankruptcy
Allowance for loan losses, pooling method, period of delinquency	60 days

Loans Held For Investment (D_13

Loans Held For Investment (Detail Textuals 1)	3 Months Ended		6 Months Ended		12 Months Ended
	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2018USD ($)Loan	Dec. 31, 2017USD ($)	Jun. 30, 2018USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average investment in non-performing loans	$ 6,618,000	$ 8,163,000	$ 6,802,000	$ 8,378,000
Interest income, non-performing loans, cash basis	226,000	10,000	291,000	170,000
Interest lost on non-performing Loans	48,000	$ 80,000	$ 104,000	$ 174,000
Number of modified loans | Loan			9		11
Number of loans modified, extended beyond initial maturity | Loan			1
Restructured loans	4,170,000		$ 4,170,000		$ 5,180,000
Restructured loans on accrual status	1,425,000		1,425,000		1,788,000
Restructured loans on non-accrual status	2,745,000		2,745,000		3,392,000
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Restructured loans on accrual status	1,425,000		1,425,000		1,788,000
Restructured loans on non-accrual status	2,698,000		$ 2,698,000		$ 3,328,000
In Default and Required and Additional Provision
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans modified and require additional provision | Loan			0
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan			1
Special Mention | Restructured loans on accrual status
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan					1
Restructured loans on accrual status					$ 389,000
Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan			8		9
Restructured loans on non-accrual status	2,800,000		$ 2,800,000		$ 3,400,000
Substandard | Restructured loans on accrual status
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan			1		1
Restructured loans on accrual status	1,400,000		$ 1,400,000		$ 1,400,000
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Restructured loans	$ 2,900,000		$ 2,900,000		$ 2,900,000
Percent of total restructured loans on current status	70.00%		70.00%		56.00%

Loans Held For Investment (D_14

Loans Held For Investment (Detail Textuals 2)	3 Months Ended		6 Months Ended
	Dec. 31, 2018Property	Dec. 31, 2017Property	Dec. 31, 2018Property	Dec. 31, 2017Property	Jun. 30, 2018USD ($)Property
Number of properties acquired in settlement of loans	0	1		1
Number of previously foreclosed properties sold	1	0	2	2
Southern California
Number of real estate owned properties					2
Real estate owned fair value | $					$ 906,000

Derivative and Other Financia_3

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Derivative [Line Items]
Total	$ 15,098	$ 14,652
Undisbursed loan funds - Construction loans
Derivative [Line Items]
Total	5,747	4,302
Undisbursed lines of credit - Commercial business loans
Derivative [Line Items]
Total	1,488	495
Undisbursed lines of credit - Consumer loans
Derivative [Line Items]
Total	487	503
Commitments to extend credit on loans to be held for investment
Derivative [Line Items]
Total	$ 7,376	$ 9,352

Derivative and Other Financia_4

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details 1) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 7,155	$ 8,063	$ 7,385	$ 8,039
Provision (recovery)	217	11	454	(158)
Balance, end of the period	7,061	8,075	7,061	8,075
Commitments to extend credit and undisbursed funds
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	149	213	157	277
Provision (recovery)	1	(25)	(7)	(89)
Balance, end of the period	$ 150	$ 188	$ 150	$ 188

Derivative and Other Financia_5

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details 2) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Derivative [Line Items]
Total net loss	$ (920)	$ (553)	$ (570)	$ (921)
Commitments to extend credit on loans to be held for sale
Derivative [Line Items]
Total net loss	8	29	(321)	(93)
Mandatory loan sale commitments and TBA MBS trades
Derivative [Line Items]
Total net loss	(928)	(582)	(249)	(791)
Option contracts, net
Derivative [Line Items]
Total net loss	$ 0	$ 0	$ 0	$ (37)

Derivative and Other Financia_6

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details 3) - USD ($) $ in Thousands		Dec. 31, 2018	Jun. 30, 2018
Amount
Derivative [Line Items]
Derivative financial instruments		$ (52,256)	$ (90,355)
Fair Value
Derivative [Line Items]
Derivative financial instruments		(185)	385
Commitments to extend credit on loans to be held for sale | Amount
Derivative [Line Items]
Derivative financial instruments	[1]	27,260	56,906
Commitments to extend credit on loans to be held for sale | Fair Value
Derivative [Line Items]
Derivative financial instruments	[1]	504	825
Best efforts loan sale commitments | Amount
Derivative [Line Items]
Derivative financial instruments		(12,795)	(29,502)
Best efforts loan sale commitments | Fair Value
Derivative [Line Items]
Derivative financial instruments		0	0
Mandatory loan sale commitments and TBA MBS trades | Amount
Derivative [Line Items]
Derivative financial instruments		(66,721)	(117,759)
Mandatory loan sale commitments and TBA MBS trades | Fair Value
Derivative [Line Items]
Derivative financial instruments		$ (689)	$ (440)
[1]	Net of 26.3% at December 31, 2018 and 24.7% at June 30, 2018 of commitments which management has estimated may not fund.

Derivative and Other Financia_7

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details 4) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Summary Of Recourse Liability [Roll Forward]
Balance, beginning of the period	$ 250	$ 305	$ 283	$ 305
Recovery from recourse liability	0	(22)	(33)	(22)
Net settlements in lieu of loan repurchases	0	0	0	0
Balance, end of the period	$ 250	$ 283	$ 250	$ 283

Derivative and Other Financia_8

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Detail Textuals)	3 Months Ended		6 Months Ended
	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2018USD ($)Loan	Dec. 31, 2017USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Sep. 30, 2017USD ($)	Jun. 30, 2017USD ($)
Derivative [Line Items]
Derivative assets net amount	$ 1,000		$ 1,000			$ 0
Derivative liabilities net amount	$ 690,000		$ 690,000			$ 440,000
Commitments estimated may not fund (percent)	26.30%		26.30%			24.70%
Number of loans repurchased | Loan			3
Amount of loans repurchased	$ 253,000		$ 253,000
Number of fully charged off loans repurchased | Loan			2
Amount of fully charged off loans repurchased			$ (25,000)
Recovery from recourse liability	0	$ 22,000	33,000	$ 22,000
Total recourse reserve for loans sold	250,000	$ 283,000	250,000	$ 283,000	$ 250,000	$ 283,000	$ 305,000	$ 305,000
Other Assets
Derivative [Line Items]
Derivative assets net amount	506,000		506,000			849,000
Other Liabilities
Derivative [Line Items]
Derivative liabilities net amount	691,000		691,000			464,000
Loans held for investment and loans held for sale
Derivative [Line Items]
Commitments to extend credit	$ 34,600,000		$ 34,600,000			$ 66,300,000

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Fair Value Disclosures [Abstract]
Loans held for investment, Aggregate Fair Value	$ 4,995	$ 5,234
Loans held for investment, Aggregate Unpaid Principal Balance	5,261	5,546
Loans held for investment, Net Unrealized (Loss) Gain	(266)	(312)
Loans held for sale, Aggregate Fair Value	57,562	96,298
Loans held for sale, Aggregate Unpaid Principal Balance	55,648	93,791
Loans held for sale, Net Unrealized (loss) gain	$ 1,914	$ 2,507

Fair Value of Financial Instr_4

Fair Value of Financial Instruments (Details 1) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment, Aggregate Fair Value	$ 4,995	$ 5,234
Loans held for sale, at fair value	57,562	96,298
Derivative assets	1	0
Derivative liabilities	690	440
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	6,563	7,496
Loans held for investment, Aggregate Fair Value	4,995	5,234
Loans held for sale, at fair value	57,562	96,298
Interest-only strips	21	23
Derivative assets	506	849
Total assets	69,647	109,900
Derivative liabilities	691	464
Total liabilities	691	464
Recurring | Commitments to extend credit on loans to be held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	505	849
Derivative liabilities	1	24
Recurring | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	1
Derivative liabilities	10	32
Recurring | TBA MBS trades
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	680	408
Recurring | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	3,942	4,384
Recurring | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	2,311	2,762
Recurring | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	310	350
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Loans held for investment, Aggregate Fair Value	0	0
Loans held for sale, at fair value	0	0
Interest-only strips	0	0
Derivative assets	0	0
Total assets	0	0
Derivative liabilities	0	0
Total liabilities	0	0
Recurring | Level 1 | Commitments to extend credit on loans to be held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Level 1 | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0
Derivative liabilities	0	0
Recurring | Level 1 | TBA MBS trades
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Level 1 | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Level 1 | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Level 1 | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	6,253	7,146
Loans held for investment, Aggregate Fair Value	0	0
Loans held for sale, at fair value	57,562	96,298
Interest-only strips	0	0
Derivative assets	0	0
Total assets	63,815	103,444
Derivative liabilities	680	408
Total liabilities	680	408
Recurring | Level 2 | Commitments to extend credit on loans to be held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Level 2 | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0
Derivative liabilities	0	0
Recurring | Level 2 | TBA MBS trades
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	680	0
Recurring | Level 2 | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	3,942	4,384
Recurring | Level 2 | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	2,311	2,762
Recurring | Level 2 | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	310	350
Loans held for investment, Aggregate Fair Value	4,995	5,234
Loans held for sale, at fair value	0	0
Interest-only strips	21	23
Derivative assets	506	849
Total assets	5,832	6,456
Derivative liabilities	11	56
Total liabilities	11	56
Recurring | Level 3 | Commitments to extend credit on loans to be held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	505	849
Derivative liabilities	1	24
Recurring | Level 3 | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	1
Derivative liabilities	10	32
Recurring | Level 3 | TBA MBS trades
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	408
Recurring | Level 3 | U.S. government agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Level 3 | U.S. government sponsored enterprise MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	0	0
Recurring | Level 3 | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	$ 310	$ 350

Fair Value of Financial Instr_5

Fair Value of Financial Instruments (Details 2) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		$ 5,772	$ 8,083	$ 6,400	$ 7,830
Total gains or losses included in earnings		102	47	(254)	(157)
Total gains or losses included in other comprehensive (income) loss		(4)	(2)	(3)	(4)
Purchases		0	0	0	0
Issuances		0	0	0	0
Settlements		(49)	(1,834)	(792)	(1,897)
Transfers in and/or out of Level 3		0	0	470	522
Ending balance		5,821	6,294	5,821	6,294
Private issue CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		316	448	350	461
Total gains or losses included in earnings		0	0	0	0
Total gains or losses included in other comprehensive (income) loss		(1)	0	(1)	1
Purchases		0	0	0	0
Issuances		0	0	0	0
Settlements		(5)	(29)	(39)	(43)
Transfers in and/or out of Level 3		0	0	0	0
Ending balance		310	419	310	419
Loans held-for investment, at-fair value
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	[1]	4,945	6,924	5,234	6,445
Total gains or losses included in earnings	[1]	95	38	46	46
Total gains or losses included in other comprehensive (income) loss	[1]	0	0	0	0
Purchases	[1]	0	0	0	0
Issuances	[1]	0	0	0	0
Settlements	[1]	(45)	(1,805)	(755)	(1,856)
Transfers in and/or out of Level 3	[1]	0	0	470	522
Ending balance	[1]	4,995	5,157	4,995	5,157
Interest-Only Strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		24	28	23	31
Total gains or losses included in earnings		0	0	0	0
Total gains or losses included in other comprehensive (income) loss		(3)	(2)	(2)	(5)
Purchases		0	0	0	0
Issuances		0	0	0	0
Settlements		0	0	0	0
Transfers in and/or out of Level 3		0	0	0	0
Ending balance		21	26	21	26
Loan Commitments to Originate
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	[2]	496	687	825	809
Total gains or losses included in earnings	[2]	8	29	(321)	(93)
Total gains or losses included in other comprehensive (income) loss	[2]	0	0	0	0
Purchases	[2]	0	0	0	0
Issuances	[2]	0	0	0	0
Settlements	[2]	0	0	0	0
Transfers in and/or out of Level 3	[2]	0	0	0	0
Ending balance	[2]	504	716	504	716
Mandatory Commitments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	[3]	(9)	(4)	(32)	47
Total gains or losses included in earnings	[3]	(1)	(20)	21	(73)
Total gains or losses included in other comprehensive (income) loss	[3]	0	0	0	0
Purchases	[3]	0	0	0	0
Issuances	[3]	0	0	0	0
Settlements	[3]	1	0	2	2
Transfers in and/or out of Level 3	[3]	0	0	0	0
Ending balance	[3]	$ (9)	(24)	$ (9)	(24)
Option contracts
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance					37
Total gains or losses included in earnings					(37)
Total gains or losses included in other comprehensive (income) loss					0
Purchases					0
Issuances					0
Settlements					0
Transfers in and/or out of Level 3					0
Ending balance			$ 0		$ 0
[1]	The valuation of loans held for investment at fair value includes the management estimates of the specific credit risk attributes of each loan, in addition to the quoted secondary-market prices which account for the interest rate characteristics of each loan.
[2]	Consists of commitments to extend credit on loans to be held for sale.
[3]	Consists of mandatory loan sale commitments.

Fair Value of Financial Instr_6

Fair Value of Financial Instruments (Details 3) - Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	$ 6,062	$ 6,057
Mortgage servicing assets	513	135
Real estate owned, net	0	906
Total	6,575	7,098
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	0	0
Mortgage servicing assets	0	0
Real estate owned, net	0	0
Total	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	4,313	4,845
Mortgage servicing assets	0	0
Real estate owned, net	0	906
Total	4,313	5,751
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	1,749	1,212
Mortgage servicing assets	513	135
Real estate owned, net	0	0
Total	$ 2,262	$ 1,347

Fair Value of Financial Instr_7

Fair Value of Financial Instruments (Details 4) - Level 3 $ in Thousands	6 Months Ended
	Dec. 31, 2018USD ($)
Mandatory loan sale commitments | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on Liability	Increase	[1]
Mandatory loan sale commitments | Relative value analysis | Roll-forward costs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liability Fair Value Measurement Input	0.023%	[2],[3]
Impact to valuation from an increase in inputs on Liability	Increase	[1]
Mandatory loan sale commitments | Minimum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liability Fair Value Measurement Input	102.40%	[3]
Mandatory loan sale commitments | Maximum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liability Fair Value Measurement Input	103.40%	[3]
Mandatory loan sale commitments | Weighted Average | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liability Fair Value Measurement Input	102.90%	[3]
Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 310
Private issue CMO | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Increase	[1]
Private issue CMO | Minimum | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	0.80%	[3]
Private issue CMO | Maximum | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	1.00%	[3]
Private issue CMO | Weighted Average | Market comparable pricing | Comparability adjustment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	0.90%	[3]
Loans held-for investment, at-fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 4,995
Loans held-for investment, at-fair value | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Increase	[1]
Loans held-for investment, at-fair value | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Loans held-for investment, at-fair value | Minimum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	96.70%	[3]
Loans held-for investment, at-fair value | Minimum | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	1.20%	[3]
Loans held-for investment, at-fair value | Maximum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	103.50%	[3]
Loans held-for investment, at-fair value | Maximum | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	100.00%	[3]
Loans held-for investment, at-fair value | Weighted Average | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	99.60%	[3]
Loans held-for investment, at-fair value | Weighted Average | Relative value analysis | Credit risk factors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	4.70%	[3]
Non-performing loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 712
Non-performing loans | Discounted cash flow | Default rates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Assets Fair Value Measurement Input	5.00%	[3]
Mortgage servicing assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 513
Mortgage servicing assets | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Mortgage servicing assets | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Mortgage servicing assets | Minimum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	8.30%	[3]
Mortgage servicing assets | Minimum | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	9.00%	[3]
Mortgage servicing assets | Maximum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	60.00%	[3]
Mortgage servicing assets | Maximum | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	10.50%	[3]
Mortgage servicing assets | Weighted Average | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	18.20%	[3]
Mortgage servicing assets | Weighted Average | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	9.20%	[3]
Interest-only strips
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 21
Interest-only strips | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Interest-only strips | Discounted cash flow | Discount rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Assets Fair Value Measurement Input	9.00%	[3]
Interest-only strips | Minimum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	11.40%	[3]
Interest-only strips | Maximum | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	30.50%	[3]
Interest-only strips | Weighted Average | Discounted cash flow | Prepayment speed (CPR)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	28.10%	[3]
Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1
Liabilities, fair value	$ 10
Mandatory loan sale commitments | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Assets Fair Value Measurement Input	104.00%	[3]
Impact to valuation from an increase in inputs on Liability	Increase	[1]
Mandatory loan sale commitments | Relative value analysis | Roll-forward costs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Assets Fair Value Measurement Input	0.023%	[2],[3]
Impact to valuation from an increase in inputs on Liability	Increase	[1]
Non-performing loans one
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1,037
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Non-performing loans one | Minimum | Relative value analysis | Loss severity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	20.00%	[3]
Non-performing loans one | Maximum | Relative value analysis | Loss severity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	30.00%	[3]
Non-performing loans one | Weighted Average | Relative value analysis | Loss severity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	23.00%	[3]
Commitments to extend credit and undisbursed funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 505
Liabilities, fair value	$ 1
Commitments to extend credit and undisbursed funds | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Increase	[1]
Impact to valuation from an increase in inputs on Liability	Decrease	[1]
Commitments to extend credit and undisbursed funds | Relative value analysis | Fall-out ratio
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impact to valuation from an increase in inputs on assets	Decrease	[1]
Impact to valuation from an increase in inputs on Liability	Decrease	[1]
Commitments to extend credit and undisbursed funds | Minimum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	98.30%	[3]
Liability Fair Value Measurement Input	102.60%	[3]
Commitments to extend credit and undisbursed funds | Minimum | Relative value analysis | Fall-out ratio
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	16.90%	[3],[4]
Liability Fair Value Measurement Input	16.90%	[3],[4]
Commitments to extend credit and undisbursed funds | Maximum | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	104.60%	[3]
Liability Fair Value Measurement Input	102.60%	[3]
Commitments to extend credit and undisbursed funds | Maximum | Relative value analysis | Fall-out ratio
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	28.20%	[3],[4]
Liability Fair Value Measurement Input	28.20%	[3],[4]
Commitments to extend credit and undisbursed funds | Weighted Average | Relative value analysis | Broker quotes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	101.60%	[3]
Liability Fair Value Measurement Input	102.60%	[3]
Commitments to extend credit and undisbursed funds | Weighted Average | Relative value analysis | Fall-out ratio
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Fair Value Measurement Input	26.30%	[3],[4]
Liability Fair Value Measurement Input	26.30%	[3],[4]
[1]	Unless otherwise noted, this column represents the directional change in the fair value of the Level 3 investments that would result from an increase to the corresponding unobservable input. A decrease to the unobservable input would have the opposite effect. Significant changes in these inputs in isolation could result in significantly higher or lower fair value measurements.
[2]	An estimated cost to roll forward the mandatory loan sale commitments which management has estimated may not be delivered to the corresponding investors in a timely manner.
[3]	The range is based on the estimated fair values and management estimates.
[4]	The percentage of commitments to extend credit on loans to be held for sale which management has estimated may not fund.

Fair Value of Financial Instr_8

Fair Value of Financial Instruments (Details 5) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	$ 84,990	$ 87,813
Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	0	0
Loans held for investment, not recorded at fair value	0	0
FHLB - San Francisco stock	0	0
Deposits	0	0
Borrowings	0	0
Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	85,056	87,239
Loans held for investment, not recorded at fair value	0	0
FHLB - San Francisco stock	8,199	8,199
Deposits	0	0
Borrowings	0	0
Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	0	0
Loans held for investment, not recorded at fair value	842,908	873,112
FHLB - San Francisco stock	0	0
Deposits	843,671	877,641
Borrowings	109,680	123,778
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	84,990	87,813
Loans held for investment, not recorded at fair value	870,418	897,451
FHLB - San Francisco stock	8,199	8,199
Deposits	872,884	907,598
Borrowings	111,135	126,163
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	85,056	87,239
Loans held for investment, not recorded at fair value	842,908	873,112
FHLB - San Francisco stock	8,199	8,199
Deposits	843,671	877,641
Borrowings	$ 109,680	$ 123,778

Incentive Plan - Summary of sto

Incentive Plan - Summary of stock option activity (Details) - Equity Incentive Plans $ / shares in Units, $ in Thousands	3 Months Ended	6 Months Ended
	Dec. 31, 2018USD ($)$ / sharesshares	Dec. 31, 2018USD ($)$ / sharesshares
Shares:
Outstanding, Beginning of Period | shares	514,000	529,000
Granted | shares	0	0
Exercised | shares	(5,000)	(20,000)
Forfeited | shares	0	0
Outstanding, End of Period | shares	509,000	509,000
Vested and expected to vest at December 31, 2018 | shares	506,400	506,400
Exercisable at December 31, 2018 | shares	496,000	496,000
Weighted-Average Exercise Price (in dollars per share):
Outstanding, Beginning of Period | $ / shares	$ 12.84	$ 12.77
Granted | $ / shares	0	0
Exercised | $ / shares	14.59	11.31
Forfeited | $ / shares	0	0
Outstanding, End of Period | $ / shares	12.83	12.83
Vested and expected to vest at December 31, 2018 | $ / shares	12.79	12.79
Exercisable at December 31, 2018 | $ / shares	$ 12.65	$ 12.65
Weighted- Average Remaining Contractual Term (Years):
Outstanding at year end	4 years 9 months 18 days	4 years 9 months 18 days
Vested and expected to vest at December 31, 2018	4 years 9 months 11 days	4 years 9 months 11 days
Exercisable at December 31, 2018	4 years 8 months 19 days	4 years 8 months 19 days
Aggregate Intrinsic Value ($000):
Outstanding at year end | $	$ 1,485	$ 1,485
Vested and expected to vest at December 31, 2018 | $	1,485	1,485
Exercisable at December 31, 2018 | $	$ 1,485	$ 1,485

Incentive Plan - Summary of Unv

Incentive Plan - Summary of Unvested restricted stock activity (Details 1) - Restricted Stock - Equity Incentive Plans - $ / shares	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018
Shares
Unvested, Beginning of Period	13,500		98,500
Granted	0		0
Vested	(1,500)		(86,500)
Forfeited	0	(2,000)	0
Unvested, End of Period	12,000		12,000
Expected to vest at December 31, 2018	9,600		9,600
Weighted-Average Award Date Fair Value
Unvested, Beginning of Period	$ 18.20		$ 14.35
Granted	0		0
Vested	17.35		13.80
Forfeited	0		0
Unvested, End of Period	18.31		18.31
Expected to vest at December 31, 2018	$ 18.31		$ 18.31

Incentive Plans (Detail Textual

Incentive Plans (Detail Textuals) - USD ($)	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Jun. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 45,000	$ 258,000	$ 730,000	$ 524,000
Income tax (deficit) benefit recognized from non-qualified equity compensation	$ (2,000)	$ 7,000	$ 124,000	$ 20,000
Treasury stock, Shares used to fund Equity Incentive Plans for restricted stock	10,546,260		10,546,260		10,611,689
Equity Incentive Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options, Exercised	5,000		20,000
Stock options, Granted	0		0
Stock options, Forfeitured	0		0
Stock Option | Equity Incentive Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			5 years
Maximum term for stock awards			10 years
Term used to calculate expected volatility			84 months
Stock options, Exercised	5,000	5,750	20,000	27,250
Stock options, Granted	0	0	0	0
Stock options, Forfeitured	0	0	0	2,500
Number of shares available for grant	147,500	147,500	147,500	147,500
Unrecognized share-based compensation expense, stock options	$ 652,000	$ 76,000	$ 652,000	$ 76,000
Share-based compensation cost not yet recognized, weighted average period for recognition (less than)			1 year 9 months 18 days	1 year 1 month 6 days
Forfeiture rate for equity incentive plans			20.00%	20.00%
Stock Option | 2013 Equity Incentive Plan ("2013 Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for Equity Incentive Plan	300,000		300,000
Annual limitation on awards granted to an individual under Equity Incentive Plan			60,000
Stock Option | 2010 Equity Incentive Plan ("2010 Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for Equity Incentive Plan	586,250		586,250
Annual limitation on awards granted to an individual under Equity Incentive Plan			117,250
Stock Option | 2006 Equity Incentive Plan ("2006 Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for Equity Incentive Plan	365,000		365,000
Annual limitation on awards granted to an individual under Equity Incentive Plan			73,000
Restricted Stock | Equity Incentive Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			5 years
Number of shares available for grant	267,750	267,750	267,750	267,750
Share-based compensation cost not yet recognized, weighted average period for recognition (less than)			1 year 7 months 6 days	1 year 3 months 18 days
Forfeiture rate for equity incentive plans			20.00%	20.00%
Restricted stock, grants in period	0		0
Restricted stock, Forfeited	0	2,000	0
Restricted stock, Vesting and distribution	1,500		86,500
Unrecognized share-based compensation expense, restricted stock	$ 159,000,000	$ 867,000,000	$ 159,000,000	$ 867,000,000
Restricted Stock | 2013 Equity Incentive Plan ("2013 Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for Equity Incentive Plan	300,000		300,000
Annual limitation on awards granted to an individual under Equity Incentive Plan			45,000
Treasury stock, Shares used to fund Equity Incentive Plans for restricted stock	300,000		300,000
Restricted Stock | 2010 Equity Incentive Plan ("2010 Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for Equity Incentive Plan	288,750		288,750
Annual limitation on awards granted to an individual under Equity Incentive Plan			43,312
Treasury stock, Shares used to fund Equity Incentive Plans for restricted stock	288,750		288,750
Restricted Stock | 2006 Equity Incentive Plan ("2006 Plan")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for Equity Incentive Plan	185,000		185,000
Annual limitation on awards granted to an individual under Equity Incentive Plan			27,750
Treasury stock, Shares used to fund Equity Incentive Plans for restricted stock	185,000		185,000

Reclassification Adjustment o_3

Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI") (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income [Roll Forward]
Beginning balance	$ 189	$ 230	$ 210	$ 229
Other comprehensive loss before reclassifications	(20)	(65)	(41)	(64)
Amount reclassified from accumulated other comprehensive income	0	45	0	45
Net other comprehensive loss	(20)	(20)	(41)	(19)
Ending balance	169	210	169	210
Investment securities available for sale
Accumulated Other Comprehensive Income [Roll Forward]
Beginning balance	172	214	194	211
Other comprehensive loss before reclassifications	(18)	(61)	(40)	(58)
Amount reclassified from accumulated other comprehensive income	0	42	0	42
Net other comprehensive loss	(18)	(19)	(40)	(16)
Ending balance	154	195	154	195
Interest-only strips
Accumulated Other Comprehensive Income [Roll Forward]
Beginning balance	17	16	16	18
Other comprehensive loss before reclassifications	(2)	(4)	(1)	(6)
Amount reclassified from accumulated other comprehensive income	0	3	0	3
Net other comprehensive loss	(2)	(1)	(1)	(3)
Ending balance	$ 15	$ 15	$ 15	$ 15

Offsetting Derivative and Oth_3

Offsetting Derivative and Other Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Jun. 30, 2018
Offsetting [Abstract]
Derivative Asset, Gross Amount of Recognized Assets	$ 1	$ 0
Derivative Asset, Gross Amount Offset in the Condensed Consolidated Statements of Financial Condition	0	0
Derivative Asset, Net Amount of Assets in the Condensed Consolidated Statements of Financial Condition	1	0
Derivative Asset, Gross Amount Not Offset in the Condensed Consolidated, Financial Instruments	0	0
Derivative Asset, Gross Amount Not Offset in the Condensed Consolidated, Cash Collateral Received	0	0
Derivative assets, Net Amount	1	0
Derivative Liabilities, Gross Amount of Recognized Liabilities	690	440
Derivative Liabilities, Gross Amount Offset in the Condensed Consolidated Statements of Financial Condition	0	0
Derivative Liabilities, Net Amount of Liabilities in the Condensed Consolidated Statements of Financial Condition	690	440
Derivative Liabilities, Gross Amount Not Offset in the Condensed Consolidated Statements of Financial Condition, Financial Instruments	0	0
Derivative Liabilities, Gross Amount Not Offset in the Condensed Consolidated Statements of Financial Condition, Cash Collateral Received	0	0
Derivative liabilities, Net Amount	$ 690	$ 440

Revenue From Contracts With C_3

Revenue From Contracts With Customers (Details) - USD ($) $ in Thousands		3 Months Ended				6 Months Ended
		Dec. 31, 2018		Dec. 31, 2017		Dec. 31, 2018		Dec. 31, 2017
Net gain on sale of loans	[2]	$ 2,263	[1]	$ 4,317	[3]	$ 5,395	[4]	$ 9,164	[5]
Total non-interest income		3,595		5,741		8,144		12,093
Asset management fees
Total non-interest income		56		88		138		207
Debit card and ATM fees
Total non-interest income		413		394		832		796
Deposit related fees
Total non-interest income		519		543		1,038		1,110
Loan related fees
Total non-interest income		1		(11)		13		(36)
BOLI
Total non-interest income	[2]	47		67		93		134
Loan servicing fees
Total non-interest income	[2]	277	[6]	317	[7]	601	[8]	680	[9]
Other
Total non-interest income		$ 19		$ 26		$ 34		$ 38
[1]	Includes an inter-company charge of $14 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[2]	Not in scope of ASC 606.
[3]	Includes an inter-company charge of $79 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[4]	Includes an inter-company charge of $20 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[5]	Includes an inter-company charge of $138 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.
[6]	Includes an inter-company charge of $258 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[7]	Includes an inter-company charge of $99 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[8]	Includes an inter-company charge of $426 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[9]	Includes an inter-company charge of $339 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.

Income Taxes (Details)

Income Taxes (Details)		3 Months Ended		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017	Jun. 30, 2019	Jun. 30, 2018
Schedule Of Income Tax [Line Items]
Federal Tax Rate		21.00%	28.06%		28.06%
State Tax Rate		10.84%	10.84%		10.84%
Combined Statutory Tax Rate	[1]	29.56%	35.86%		35.86%
Forecast
Schedule Of Income Tax [Line Items]
Federal Tax Rate				21.00%
State Tax Rate				10.84%
Combined Statutory Tax Rate	[1]			29.56%
[1]	The combined statutory tax rate is net of the federal tax benefit for the state tax deduction.

Income Taxes (Detail Textuals)

Income Taxes (Detail Textuals) - USD ($) $ in Millions	3 Months Ended		6 Months Ended	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Jun. 30, 2018
Income Tax Examination [Line Items]
Percentage of corporate federal tax income rate	21.00%	28.06%		28.06%
Discrete tax expense				$ 1.8
Latest tax year
Income Tax Examination [Line Items]
Percentage of corporate federal tax income rate			21.00%
Earliest tax year
Income Tax Examination [Line Items]
Percentage of corporate federal tax income rate			35.00%

Subsequent Events (Detail Textu

Subsequent Events (Detail Textuals) - Subsequent event - USD ($)	Feb. 04, 2019	Jan. 30, 2019	Jan. 29, 2019
Subsequent Event [Line Items]
Dividends declared			Jan. 29, 2019
Quarterly cash dividend declared, common stock			$ 0.14
Dividends payable			Mar. 12, 2019
Dividend Date of Record			Feb. 19, 2019
Annual operational cost savings		$ 473,000
One time charges for branch closure		$ 18,000
Minimum estimatesd one time cost of corporation	$ 3,600,000
Maximum estimated one time costs of corporation	$ 4,000,000