Provident Financial (PROV) 10-Q 9 May 19 2019 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Mar. 31, 2019	May 03, 2019
Document and Entity Information
Entity Registrant Name	PROVIDENT FINANCIAL HOLDINGS INC
Entity Central Index Key	0001010470
Trading Symbol	prov
Current Fiscal Year End Date	--06-30
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		7,497,357
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Small Business	true
Entity Emerging Growth Company	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Assets
Cash and cash equivalents	$ 61,458	$ 43,301
Investment securities - held to maturity, at cost	102,510	87,813
Investment securities - available for sale, at fair value	6,294	7,496
Loans held for investment, net of allowance for loan losses of $7,080 and $7,385, respectively; includes $5,239 and $5,234 at fair value, respectively	883,554	902,685
Loans held for sale, at fair value	30,500	96,298
Accrued interest receivable	3,386	3,212
Real estate owned, net		906
Federal Home Loan Bank ("FHLB") - San Francisco stock	8,199	8,199
Premises and equipment, net	8,395	8,696
Prepaid expenses and other assets	15,099	16,943
Total assets	1,119,395	1,175,549
Liabilities:
Non interest-bearing deposits	90,875	86,174
Interest-bearing deposits	786,009	821,424
Total deposits	876,884	907,598
Borrowings	101,121	126,163
Accounts payable, accrued interest and other liabilities	20,181	21,331
Total liabilities	998,186	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; 18,064,365 and 18,033,115 shares issued; 7,497,357 and 7,421,426 shares outstanding, respectively)	181	181
Additional paid-in capital	96,114	94,957
Retained earnings	191,103	190,616
Treasury stock at cost (10,567,008 and 10,611,689 shares, respectively)	(166,352)	(165,507)
Accumulated other comprehensive income, net of tax	163	210
Total stockholders' equity	121,209	120,457
Total liabilities and stockholders' equity	$ 1,119,395	$ 1,175,549

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Statement of Financial Position [Abstract]
Allowance for loan losses on Loans held for investment (in dollars)	$ 7,080	$ 7,385
Loans held for investment fair value (in dollars)	$ 5,239	$ 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	18,064,365	18,033,115
Common stock shares outstanding	7,497,357	7,421,426
Treasury stock shares	10,567,008	10,611,689

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands		3 Months Ended				9 Months Ended
		Mar. 31, 2019		Mar. 31, 2018		Mar. 31, 2019		Mar. 31, 2018
Interest income:
Loans receivable, net		$ 10,011		$ 9,933		$ 30,516		$ 29,825
Investment securities		592		382		1,381		958
FHLB - San Francisco stock		144		144		565		428
Interest-earning deposits		386		233		1,111		591
Total interest income		11,133		10,692		33,573		31,802
Interest expense:
Checking and money market deposits		102		96		327		311
Savings deposits		139		147		437		445
Time deposits		600		613		1,851		1,877
Borrowings		680		712		2,158		2,176
Total interest expense		1,521		1,568		4,773		4,809
Net interest income		9,612		9,124		28,800		26,993
Provision (recovery) for loan losses		4		(505)		(450)		(347)
Net interest income, after provision (recovery) for loan losses		9,608		9,629		29,250		27,340
Non-interest income:
Gain on sale of loans, net	[2]	1,719	[1]	3,597	[3],[4]	7,114	[3]	12,761	[5]
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net		2		(19)		(4)		(81)
Other		225		238		575		701
Total non-interest income		3,052		5,210		11,196		17,303
Non-interest expense:
Salaries and employee benefits	[6]	9,292		8,808		24,753		26,710
Premises and occupancy		1,286		1,255		3,905		3,829
Equipment		417		442		1,333		1,179
Professional expenses		513		400		1,371		1,441
Sales and marketing expenses		246		213		668		717
Deposit insurance premiums and regulatory assessments		124		189		461		591
Other	[7]	1,122		1,132		3,088		6,919
Total non-interest expense		13,000		12,439		35,579		41,386
Income (loss) before income taxes		(340)		2,400		4,867		3,257
Provision (benefit) for income taxes	[8]	(189)		667		1,237		2,526	[9]
Net income (loss)		$ (151)		$ 1,733		$ 3,630		$ 731
Basic earnings (loss) per share (in dollars per share)		$ (0.02)		$ 0.23		$ 0.49		$ 0.10
Diluted earnings (loss) per share (in dollars per share)		(0.02)		0.23		0.48		0.09
Cash dividends per share (in dollars per share)		$ 0.14		$ 0.14		$ 0.42		$ 0.42
Loan servicing and other fees
Non-interest income:
Total non-interest income	[2]	$ 262	[10]	$ 493	[11]	$ 863	[12]	$ 1,173	[13]
Deposit account fees
Non-interest income:
Total non-interest income		471		529		1,485		1,623
Card and processing fees
Non-interest income:
Total non-interest income		$ 373		$ 372		$ 1,163		$ 1,126
[1]	Includes an inter-company charge of $17 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 $37 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 $44 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 $182 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 $1.5 million of costs associated with staff reductions in mortgage banking operations during the quarter and nine months ended March 31, 2019.
[7]	Includes $3.4 million of litigation settlement expense for the nine months ended March 31, 2018.
[8]	Includes a net tax charge of $1.9 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the nine months ended March 31, 2018.
[9]	Includes a net tax charge of $1.9 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the nine months ended December 31, 2017.
[10]	Includes an inter-company charge of $2 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 $222 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 $428 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[13]	Includes an inter-company charge of $561 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) $ in Millions	9 Months Ended
	Mar. 31, 2018USD ($)
Income Statement [Abstract]
Staff reductions in mortgage banking operations	$ 1.5
Litigation settlement expense	3.4
Revaluation of net deferred tax assets	$ 1.9

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ (151)	$ 1,733	$ 3,630	$ 731
Change in unrealized holding loss on securities available for sale	(9)	(35)	(67)	(113)
Reclassification adjustment for net income (loss) on securities available for sale included in net income (loss)		(2)		43
Other comprehensive loss, before income taxes	(9)	(37)	(67)	(70)
Income tax benefit	(3)	(13)	(20)	(27)
Other comprehensive loss	(6)	(24)	(47)	(43)
Total comprehensive income (loss)	$ (157)	$ 1,709	$ 3,583	$ 688

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)				731			731
Other comprehensive loss						(43)	(43)
Purchase of treasury stock	[1]				(6,627)		(6,627)
Purchase of treasury stock (in shares)	[1]	(347,498)
Exercise of stock options			677				677
Exercise of stock options (in shares)		83,750
Distribution of restricted stock (in shares)		10,500
Amortization of restricted stock			458				458
Forfeiture of restricted stock			17		(17)
Stock options expense			358				358
Cash dividends	[2]			(3,184)			(3,184)
Balance at Mar. 31, 2018		$ 180	94,719	190,301	(164,786)	186	120,600
Balance (in shares) at Mar. 31, 2018		7,460,804
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				1,733			1,733
Other comprehensive loss						(24)	(24)
Purchase of treasury stock	[1]				(1,475)		(1,475)
Purchase of treasury stock (in shares)	[1]	(80,972)
Exercise of stock options			416				416
Exercise of stock options (in shares)		56,500
Distribution of restricted stock (in shares)		10,500
Amortization of restricted stock			167				167
Stock options expense			125				125
Cash dividends	[3]			(1,042)			(1,042)
Balance at Mar. 31, 2018		$ 180	94,719	190,301	(164,786)	186	120,600
Balance (in shares) at Mar. 31, 2018		7,460,804
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)				3,630			$ 3,630
Other comprehensive loss						(47)	(47)
Purchase of treasury stock	[4]				(845)		(845)
Purchase of treasury stock (in shares)	[4]	(44,819)
Exercise of stock options			390				390
Exercise of stock options (in shares)		31,250
Distribution of restricted stock (in shares)		89,500
Amortization of restricted stock			426				426
Stock options expense			341				341
Cash dividends	[5]			(3,143)			(3,143)
Balance at Mar. 31, 2019		$ 181	96,114	191,103	(166,352)	163	$ 121,209
Balance (in shares) at Mar. 31, 2019		7,497,357					7,497,357
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				(151)			(151)
Other comprehensive loss						(6)	(6)
Purchase of treasury stock					(460)		(460)
Purchase of treasury stock (in shares)		(23,748)
Exercise of stock options			164				164
Exercise of stock options (in shares)		11,250
Distribution of restricted stock (in shares)		3,000
Amortization of restricted stock			29				29
Stock options expense			8				8
Cash dividends	[6]			(1,052)			(1,052)
Balance at Mar. 31, 2019		$ 181	$ 96,114	$ 191,103	$ (166,352)	$ 163	$ 121,209
Balance (in shares) at Mar. 31, 2019		7,497,357					7,497,357
[1]	Includes the repurchase of 3,291 shares of distributed restricted stock in settlement of employee withholding tax obligations.
[2]	Cash dividends of $0.42 per share were paid in the nine months ended March 31, 2018.
[3]	Cash dividends of $0.14 per share were paid in the quarter ended March 31, 2018.
[4]	Includes the repurchase of 21,071 shares of distributed restricted stock in settlement of employee withholding tax obligations.
[5]	Cash dividends of $0.42 per share were paid in the nine months ended March 31, 2019.
[6]	Cash dividends of $0.14 per share were paid in the quarter ended March 31, 2019.

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Statement of Stockholders' Equity [Abstract]
Number of shares repurchase of distributed restricted stock in settlement of employee withholding tax obligations		3,291	21,071	3,291
Cash dividends per share	$ 0.14	$ 0.14	$ 0.42	$ 0.42

Condensed Consolidated Statem_8

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		9 Months Ended
		Mar. 31, 2019		Mar. 31, 2018
Cash flows from operating activities:
Net income		$ 3,630		$ 731
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization		2,045		2,229
Recovery from the allowance for loan losses		(450)		(347)
Recovery of losses on real estate owned				(552)
Gain on sale of loans, net	[2]	(7,114)	[1]	(12,761)	[3]
(Gain) loss on sale of real estate owned, net		(9)		564
Stock-based compensation		767		816
Provision (benefit) for deferred income taxes		553		(28)
(Decrease) increase in accounts payable, accrued interest and other liabilities		(320)		3,294
Decrease (increase) in prepaid expenses and other assets		446		(482)
Loans originated for sale		(453,444)		(944,349)
Proceeds from sale of loans		526,090		983,504
Net cash provided by operating activities		72,194		32,619
Cash flows from investing activities:
Decrease in loans held for investment, net		19,230		8,956
Maturity of investment securities held to maturity		800		200
Principal payments from investment securities held to maturity		24,093		17,882
Principal payments from investment securities available for sale		1,140		1,252
Purchase of investment securities held to maturity		(40,282)		(54,147)
Proceeds from sale of real estate owned		915		2,223
Purchase of premises and equipment		(151)		(2,713)
Net cash provided by (used for) investing activities		5,745		(26,347)
Cash flows from financing activities:
Decrease in deposits, net		(30,714)		(4,022)
Repayments of short-term borrowings, net		(15,000)		(15,000)
Repayments of long-term borrowings		(10,042)		(10,050)
Proceeds from long-term borrowings				10,000
Exercise of stock options		390		677
Withholding taxes on stock based compensation		(428)		(318)
Cash dividends		(3,143)		(3,184)
Treasury stock purchases		(845)		(6,627)
Net cash used for financing activities		(59,782)		(28,524)
Net increase (decrease) in cash and cash equivalents		18,157		(22,252)
Cash and cash equivalents at beginning of period		43,301		72,826
Cash and cash equivalents at end of period		61,458		50,574
Supplemental information:
Cash paid for interest		4,796		4,816
Cash paid for income taxes		1,555		2,400
Transfer of loans held for sale to held for investment		$ 1,360		1,122
Real estate acquired in the settlement of loans				$ 1,659
[1]	Includes an inter-company charge of $37 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 $182 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	9 Months Ended
	Mar. 31, 2019
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 nine months ended March 31, 2019 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")	9 Months Ended
	Mar. 31, 2019
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 nine months ended March 31, 2019; 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. In January 2019, the FASB issued ASU 2019-01, Codification Improvements. The amendments in this update include the following items: (i) determining the fair value of the underlying asset by lessors that are not manufacturers or dealers; (ii) requiring cash received from lessors from sales-type and direct financing leases to be presented in the cash flow statement within investing activities; and (iii) clarifying interim disclosure requirements. The effective date and transition requirements for the first and second items of this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2019 and early adoption is permitted. The effective date and transition requirements for the third item of this ASU are the same as ASU 2016-02. The Corporation plans to adopt these ASUs on July 1, 2019. Management is currently assessing the impact of these ASUs on the Corporation's financial position and results of operations but does not believe that adoption of these ASUs 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	9 Months Ended
	Mar. 31, 2019
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 March 31, 2019 and 2018, there were outstanding options to purchase 497,750 shares and 529,000 shares of the Corporation's common stock, respectively. Of those shares, as of March 31, 2019 and 2018, there were 497,750 shares and 26,000 shares, respectively, which were excluded from the diluted EPS computation as their effect was anti-dilutive. As of March 31, 2019 and 2018, there were outstanding restricted stock awards of 9,000 shares and 98,500 shares, respectively. The outstanding restricted stock had no dilutive effect for the quarter ended March 31, 2019 but they were dilutive for the comparable quarter last year. The following table provides the basic and diluted EPS computations for the quarters and nine months ended March 31, 2019 and 2018, respectively. For the Quarters Ended For the Nine Months Ended (In Thousands, Except Earnings Per Share) 2019 2018 2019 2018 Numerator: Net income (loss) – numerator for basic earnings per share and diluted earnings per share - available to common stockholders $ (151 ) $ 1,733 $ 3,630 $ 731 Denominator: Denominator for basic earnings per share: Weighted-average shares 7,507 7,457 7,481 7,573 Effect of dilutive shares: Stock options — 97 60 111 Restricted stock — 62 14 53 Denominator for diluted earnings per share: Adjusted weighted-average shares and assumed conversions 7,507 7,616 7,555 7,737 Basic earnings (loss) per share $ (0.02 ) $ 0.23 $ 0.49 $ 0.10 Diluted earnings (loss) per share $ (0.02 ) $ 0.23 $ 0.48 $ 0.09

Operating Segment Reports

Operating Segment Reports	9 Months Ended
	Mar. 31, 2019
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 Corporation expects to discontinue the operations of PBM by June 30, 2019. The Corporation estimates that it will incur costs of approximately $3.6 million to $4.0 million to complete the exit 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. As of March 31, 2019, the total costs incurred for both the quarter and nine months ended March 31 2019 were approximately $1.6 million, comprised of 1.5 million in salaries and employee benefits expenses, $81,000 in premises and occupancy expenses and $13,000 in equipment expenses. There were no costs incurred related to the exit prior to the quarter ended March 31, 2019. The following tables set forth condensed consolidated statements of operations and total assets for the Corporation’s operating segments for the quarters and nine months ended March 31, 2019 and 2018, respectively. For the Quarter Ended March 31, 2019 (In Thousands) Provident Provident Consolidated Net interest income $ 9,431 $ 181 $ 9,612 Provision (recovery) for loan losses 74 (70 ) 4 Net interest income, after provision (recovery) for loan losses 9,357 251 9,608 Non-interest income: Loan servicing and other fees (1) 103 159 262 Gain (loss) on sale of loans, net (2) (1 ) 1,720 1,719 Deposit account fees 471 — 471 Gain on sale and operations of real estate owned acquired in the settlement of loans, net 2 — 2 Card and processing fees 373 — 373 Other 223 2 225 Total non-interest income 1,171 1,881 3,052 Non-interest expense: Salaries and employee benefits 5,002 4,290 9,292 Premises and occupancy 847 439 1,286 Operating and administrative expenses 1,314 1,108 2,422 Total non-interest expense 7,163 5,837 13,000 Income (loss) before income taxes 3,365 (3,705 ) (340 ) Provision (benefit) for income taxes 907 (1,096 ) (189 ) Net income (loss) $ 2,458 $ (2,609 ) $ (151 ) Total assets, end of period $ 1,088,716 $ 30,679 $ 1,119,395 (1) Includes an inter-company charge of $2 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 $17 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 March 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 8,750 $ 374 $ 9,124 Recovery from the allowance for loan losses (505 ) — (505 ) Net interest income, after recovery from the allowance for loan losses 9,255 374 9,629 Non-interest income: Loan servicing and other fees (1) 313 180 493 Gain (loss) on sale of loans, net (2) (1 ) 3,598 3,597 Deposit account fees 529 — 529 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (19 ) — (19 ) Card and processing fees 372 — 372 Other 238 — 238 Total non-interest income 1,432 3,778 5,210 Non-interest expense: Salaries and employee benefits 4,763 4,045 8,808 Premises and occupancy 842 413 1,255 Operating and administrative expenses 1,050 1,326 2,376 Total non-interest expense 6,655 5,784 12,439 Income (loss) before income taxes 4,032 (1,632 ) 2,400 Provision (benefit) for income taxes 1,252 (585 ) 667 Net income (loss) $ 2,780 $ (1,047 ) $ 1,733 Total assets, end of period $ 1,086,437 $ 90,165 $ 1,176,602 (1) Includes an inter-company charge of $222 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 $44 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 Nine Months Ended March 31, 2019 (In Thousands) Provident Provident Consolidated Net interest income $ 27,956 $ 844 $ 28,800 Provision (recovery) for loan losses (475 ) 25 (450 ) Net interest income, after provision (recovery) for loan losses 28,431 819 29,250 Non-interest income: Loan servicing and other fees (1) 87 776 863 Gain on sale of loans, net (2) 33 7,081 7,114 Deposit account fees 1,485 — 1,485 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (4 ) — (4 ) Card and processing fees 1,163 — 1,163 Other 573 2 575 Total non-interest income 3,337 7,859 11,196 Non-interest expense: Salaries and employee benefits 14,138 10,615 24,753 Premises and occupancy 2,652 1,253 3,905 Operating and administrative expenses 3,307 3,614 6,921 Total non-interest expense 20,097 15,482 35,579 Income (loss) before income taxes 11,671 (6,804 ) 4,867 Provision (benefit) for income taxes 3,249 (2,012 ) 1,237 Net income (loss) $ 8,422 $ (4,792 ) $ 3,630 Total assets, end of period $ 1,088,716 $ 30,679 $ 1,119,395 (1) Includes an inter-company charge of $428 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 $37 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 Nine Months Ended March 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 25,517 $ 1,476 $ 26,993 Recovery from the allowance for loan losses (347 ) — (347 ) Net interest income, after recovery from the allowance for loan losses 25,864 1,476 27,340 Non-interest income: Loan servicing and other fees (1) 468 705 1,173 Gain on sale of loans, net (2) 21 12,740 12,761 Deposit account fees 1,623 — 1,623 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (81 ) — (81 ) Card and processing fees 1,126 — 1,126 Other 701 — 701 Total non-interest income 3,858 13,445 17,303 Non-interest expense: Salaries and employee benefits 13,714 12,996 26,710 Premises and occupancy 2,491 1,338 3,829 Operating and administrative expenses (3) 4,490 6,357 10,847 Total non-interest expense 20,695 20,691 41,386 Income (loss) before income taxes 9,027 (5,770 ) 3,257 Provision (benefit) for income taxes (4) 4,595 (2,069 ) 2,526 Net income (loss) $ 4,432 $ (3,701 ) $ 731 Total assets, end of period $ 1,086,437 $ 90,165 $ 1,176,602 (1) Includes an inter-company charge of $561 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 $182 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 of litigation settlement expense for the first nine months of fiscal 2018, of which $2.1 million was allocated to PBM. (4) Includes a net tax charge of $1.9 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the nine months ended December 31, 2017.

Investment Securities

Investment Securities	9 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Note 5: Investment Securities The amortized cost and estimated fair value of investment securities as of March 31, 2019 and June 30, 2018 were as follows: March 31, 2019 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) $ 99,193 $ 728 $ (163 ) $ 99,758 $ 99,193 U.S. SBA securities (2) 2,917 — (19 ) 2,898 2,917 Certificate of deposits 400 — — 400 400 Total investment securities - held to maturity $ 102,510 $ 728 $ (182 ) $ 103,056 $ 102,510 Available for sale: U.S. government agency MBS $ 3,677 $ 119 $ — $ 3,796 $ 3,796 U.S. government sponsored enterprise MBS 2,107 91 — 2,198 2,198 Private issue CMO (3) 296 4 — 300 300 Total investment securities - available for sale $ 6,080 $ 214 $ — $ 6,294 $ 6,294 Total investment securities $ 108,590 $ 942 $ (182 ) $ 109,350 $ 108,804 (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 third quarters of fiscal 2019 and 2018, the Corporation received MBS principal payments of $8.6 million and $7.4 million, respectively, and there were no sales of investment securities during these periods. The Corporation purchased U.S. government sponsored enterprise MBS totaling $26.2 million and $12.4 million, to be held to maturity, respectively. For the first nine months of fiscal 2019 and 2018, the Corporation received MBS principal payments of $25.2 million and $19.1 million, respectively, and there were no sales of investment securities during these periods. In the first nine months of fiscal 2019 and 2018, the Corporation purchased U.S. government sponsored enterprise MBS totaling $39.7 million and $50.9 million, to be held to maturity, respectively. In addition, the Corporation also purchased $3.0 million in U.S. SBA loan pool securities to be held to maturity in the third quarter and first nine months of fiscal 2018. The Corporation held investments with an unrealized loss position of $182,000 at March 31, 2019 and $777,000 at June 30, 2018. As of March 31, 2019 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 $ — $ — $ 26,758 $ 163 $ 26,758 $ 163 U.S. SBA securities 2,892 19 — — 2,892 19 Total investment securities $ 2,892 $ 19 $ 26,758 $ 163 $ 29,650 $ 182 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 March 31, 2019, $163,000 of the $182,000 unrealized holding losses were 12 months or more; while at June 30, 2018, all of the unrealized holding losses were less than 12 months. The Corporation does not believe that there were any other-than-temporary impairments on the investment securities at March 31, 2019 and 2018; therefore, no impairment losses were recorded for the quarters and nine months ended March 31, 2019 and 2018. Contractual maturities of investment securities as of March 31, 2019 and June 30, 2018 were as follows: March 31, 2019 June 30, 2018 (In Thousands) Amortized Estimated Amortized Estimated Held to maturity: Due in one year or less $ 200 $ 200 $ 600 $ 600 Due after one through five years 35,345 35,259 24,961 24,569 Due after five through ten years 38,691 39,126 22,847 22,477 Due after ten years 28,274 28,471 39,405 39,593 Total investment securities - held to maturity $ 102,510 $ 103,056 $ 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 6,080 6,294 7,220 7,496 Total investment securities - available for sale $ 6,080 $ 6,294 $ 7,220 $ 7,496 Total investment securities $ 108,590 $ 109,350 $ 95,033 $ 94,735

Loans Held for Investment

Loans Held for Investment	9 Months Ended
	Mar. 31, 2019
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) March 31, June 30, Mortgage loans: Single-family $ 314,824 $ 314,808 Multi-family 449,812 476,008 Commercial real estate 115,355 109,726 Construction (1) 4,139 3,174 Other 167 167 Commercial business loans (2) 483 500 Consumer loans (3) 133 109 Total loans held for investment, gross 884,913 904,492 Advance payments of escrows 225 18 Deferred loan costs, net 5,496 5,560 Allowance for loan losses (7,080 ) (7,385 ) Total loans held for investment, net $ 883,554 $ 902,685 (1) Net of $6.1 million and $4.3 million of undisbursed loan funds as of March 31, 2019 and June 30, 2018, respectively (2) Net of $950 and $495 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively. (3) Net of $481 and $503 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively. The following table sets forth information at March 31, 2019 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 March 31, 2019 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 $ 100,302 $ 37,514 $ 102,300 $ 62,493 $ 12,215 $ 314,824 Multi-family 125,503 162,437 145,968 15,710 194 449,812 Commercial real estate 44,247 33,136 36,442 1,055 475 115,355 Construction 3,581 — — — 558 4,139 Other — — — — 167 167 Commercial business loans 75 — — — 408 483 Consumer loans 133 — — — — 133 Total loans held for investment, gross $ 273,841 $ 233,087 $ 284,710 $ 79,258 $ 14,017 $ 884,913 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 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: March 31, 2019 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Mortgage Commercial Business Consumer Total Pass $ 304,403 $ 445,927 $ 115,355 $ 3,394 $ 167 $ 430 $ 133 $ 869,809 Special Mention 3,347 3,885 — — — — — 7,232 Substandard 7,074 — — 745 — 53 — 7,872 Total loans held for investment, gross $ 314,824 $ 449,812 $ 115,355 $ 4,139 $ 167 $ 483 $ 133 $ 884,913 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 March 31, 2019 and June 30, 2018: (In Thousands) March 31, 2019 June 30, 2018 Collectively evaluated for impairment: Mortgage loans: Single-family $ 2,514 $ 2,632 Multi-family 3,300 3,492 Commercial real estate 1,042 1,030 Construction 63 47 Other 3 3 Commercial business loans 18 18 Consumer loans 8 6 Total collectively evaluated allowance 6,948 7,228 Individually evaluated for impairment: Mortgage loans: Single-family 123 151 Commercial business loans 9 6 Total individually evaluated allowance 132 157 Total loan loss allowance $ 7,080 $ 7,385 The following table is provided to disclose additional details for the periods indicated on the Corporation's allowance for loan losses: For the Quarters Ended For the Nine Months Ended (Dollars in Thousands) 2019 2018 2019 2018 Allowance at beginning of period $ 7,061 $ 8,075 $ 7,385 $ 8,039 Provision (recovery) for loan losses 4 (505 ) (450 ) (347 ) Recoveries: Mortgage loans: Single-family 22 71 177 203 Consumer loans 1 — 2 — Total recoveries 23 71 179 203 Charge-offs: Mortgage loans: Single-family (6 ) (110 ) (31 ) (364 ) Consumer loans (2 ) — (3 ) — Total charge-offs (8 ) (110 ) (34 ) (364 ) Net (charge-offs) recoveries 15 (39 ) 145 (161 ) Balance at end of period $ 7,080 $ 7,531 $ 7,080 $ 7,531 Allowance for loan losses as a percentage of gross loans held for investment at the end of the period 0.79 % 0.84 % 0.79 % 0.84 % Net charge-offs (recoveries) as a percentage of average loans receivable, net, during the period (annualized) (0.01 )% 0.02 % (0.02 )% 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. March 31, 2019 (In Thousands) Current 30-89 Days Past Due Non-Accrual (1) Total Loans Held for Investment, Gross Mortgage loans: Single-family $ 308,554 $ 696 $ 5,574 $ 314,824 Multi-family 449,812 — — 449,812 Commercial real estate 115,355 — — 115,355 Construction 3,394 — 745 4,139 Other 167 — — 167 Commercial business loans 430 — 53 483 Consumer loans 130 3 — 133 Total loans held for investment, gross $ 877,842 $ 699 $ 6,372 $ 884,913 (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 March 31, 2019 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Other Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ 3 $ 26 $ 6 $ 7,061 Provision (recovery) for loan losses (58 ) 20 23 15 — 1 3 4 Recoveries 22 — — — — — 1 23 Charge-offs (6 ) — — — — — (2 (8 ) Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Allowance for loan losses: Individually evaluated for impairment $ 123 $ — $ — $ — $ — $ 9 $ — $ 132 Collectively evaluated for impairment 2,514 3,300 1,042 63 3 18 8 6,948 Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Loans held for investment: Individually evaluated for impairment $ 6,004 $ — $ — $ 745 $ — $ 53 $ — $ 6,802 Collectively evaluated for impairment 308,820 449,812 115,355 3,394 167 430 133 878,111 Total loans held for investment, gross $ 314,824 $ 449,812 $ 115,355 $ 4,139 $ 167 $ 483 $ 133 $ 884,913 Allowance for loan losses as a percentage of gross loans held for investment 0.84 % 0.73 % 0.90 % 1.52 % 1.80 % 5.59 % 6.02 % 0.79 % Quarter Ended March 31, 2018 (In Thousands) Single- family Multi- family Commercial Real Estate Construction Commercial Business Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Provision (recovery) for loan losses (143 ) 17 33 (410 ) (1 ) (1 ) (505 ) Recoveries 71 — — — — — 71 Charge-offs (110 ) — — — — — (110 ) Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Allowance for loan losses: Individually evaluated for impairment $ 161 $ — $ — $ — $ 15 $ — $ 176 Collectively evaluated for impairment 2,960 3,312 966 94 16 7 7,355 Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Loans held for investment: Individually evaluated for impairment $ 7,929 $ — $ — $ — $ 73 $ — $ 8,002 Collectively evaluated for impairment 308,983 466,266 106,937 5,324 377 130 888,017 Total loans held for investment, gross $ 316,912 $ 466,266 $ 106,937 $ 5,324 $ 450 $ 130 $ 896,019 Allowance for loan losses as a percentage of gross loans held for investment 0.98 % 0.71 % 0.90 % 1.77 % 6.89 % 5.38 % 0.84 % Nine Months Ended March 31, 2019 (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 Provision (recovery) for loan losses (292 ) (192 ) 12 16 — 3 3 (450 ) Recoveries 177 — — — — — 2 179 Charge-offs (31 ) — — — — — (3 ) (34 ) Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Allowance for loan losses: Individually evaluated for impairment $ 123 $ — $ — $ — $ — $ 9 $ — $ 132 Collectively evaluated for impairment 2,514 3,300 1,042 63 3 18 8 6,948 Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Loans held for investment: Individually evaluated for impairment $ 6,004 $ — $ — $ 745 $ — $ 53 $ — $ 6,802 Collectively evaluated for impairment 308,820 449,812 115,355 3,394 167 430 133 878,111 Total loans held for investment, gross $ 314,824 $ 449,812 $ 115,355 $ 4,139 $ 167 $ 483 $ 133 $ 884,913 Allowance for loan losses as a percentage of gross loans held for investment 0.84 % 0.73 % 0.90 % 1.52 % 1.80 % 5.59 % 6.02 % 0.79 % Nine Months Ended March 31, 2018 (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 Provision (recovery) for loan losses (319 ) (108 ) 87 (2 ) (5 ) — (347 ) Recoveries 203 — — — — — 203 Charge-offs (364 ) — — — — — (364 ) Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Allowance for loan losses: Individually evaluated for impairment $ 161 $ — $ — $ — $ 15 $ — $ 176 Collectively evaluated for impairment 2,960 3,312 966 94 16 7 7,355 Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Loans held for investment: Individually evaluated for impairment $ 7,929 $ — $ — $ — $ 73 $ — $ 8,002 Collectively evaluated for impairment 308,983 466,266 106,937 5,324 377 130 888,017 Total loans held for investment, gross $ 316,912 $ 466,266 $ 106,937 $ 5,324 $ 450 $ 130 $ 896,019 Allowance for loan losses as a percentage of gross loans held for investment 0.98 % 0.71 % 0.90 % 1.77 % 6.89 5.38 % 0.84 % 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 March 31, 2019 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 1,813 $ — $ 1,813 $ (284 ) $ 1,529 Without a related allowance (2) 4,336 (539 ) 3,797 — 3,797 Total single-family 6,149 (539 ) 5,610 (284 ) 5,326 Construction: Without a related allowance (3) 745 — 745 — 745 Total construction 745 — 745 — 745 Commercial business loans: With a related allowance 53 — 53 (9 ) 44 Total commercial business loans 53 — 53 (9 ) 44 Total non-performing loans $ 6,947 $ (539 ) $ 6,408 $ (293 ) $ 6,115 (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 March 31, 2019 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 of $1.2 million at March 31, 2019. For the quarters ended March 31, 2019 and 2018, the Corporation's average recorded investment in non-performing loans was $6.4 million and $7.6 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 the quarter ended March 31, 2019, the Bank received $63,000 in interest payments from non-performing loans, of which $30,000 were recognized as interest income and the remaining $33,000 were applied to reduce the loan balances under the cost recovery method. In comparison for the quarter ended March 31, 2018, the Bank received $121,000 in interest payments from non-performing loans, of which $70,000 were recognized as interest income and the remaining $51,000 were applied to reduce the loan balances under the cost recovery method. For the nine months ended March 31, 2019 and 2018, the Corporation's average recorded investment in non-performing loans was $6.7 million and $8.1 million, respectively. For the nine months ended March 31, 2019, the Bank received $458,000 in interest payments from non-performing loans, of which $321,000 were recognized as interest income and the remaining $137,000 were applied to reduce the loan balances under the cost recovery method. In comparison for the nine months ended March 31, 2018, the Bank received $466,000 in interest payments from non-performing loans, of which $240,000 were recognized as interest income and the remaining $226,000 were applied to reduce the loan balances under the cost recovery method. The following tables present the average recorded investment in non-performing loans and the related interest income recognized for the quarters and nine months ended March 31, 2019 and 2018: Quarter Ended March 31, 2019 2018 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 2,785 $ — $ 6,397 $ 49 Construction 745 — — — 3,530 — 6,397 49 With related allowances: Mortgage loans: Single-family 2,841 29 1,170 20 Commercial business loans 54 1 74 1 2,895 30 1,244 21 Total $ 6,425 $ 30 $ 7,641 $ 70 Nine Months Ended March 31, 2019 2018 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 3,570 $ 229 $ 7,296 $ 184 Commercial real estate — — 22 13 Construction 579 — — — 4,149 229 7,318 197 With related allowances: Mortgage loans: Single-family 2,466 89 738 39 Commercial business loans 61 3 76 4 2,527 92 814 43 Total $ 6,676 $ 321 $ 8,132 $ 240 For the quarter ended March 31, 2019, no new loans were restructured from their original terms and classified as restructured loans, while one restructured loan from pass category was downgraded to special mention. For the nine months ended March 31, 2019, no new loans were restructured from their original terms and classified as restructured loans, while one restructured loan was upgraded to the pass category, one restructured loan from the pass category was downgraded to special mention and one restructured loan was paid off. For the quarters and nine months ended March 31, 2018, there were two loans totaling $2.2 million that were newly modified from their original terms and re-underwritten or identified in the Corporation's asset quality reports as restructured loans. During the quarters and nine months ended March 31, 2019 and 2018, no restructured loans were in default within a 12-month period subsequent to their original restructuring. Additionally, during the quarter ended March 31, 2019, there was no loan whose modification was extended beyond the initial maturity of the modification; while during the nine months ended March 31, 2019, there was one loan whose modification was extended beyond the initial maturity of the modification. During the quarter and nine months ended March 31, 2018, there were no loans whose modification was extended beyond the initial maturity of the modification. At both March 31, 2019 and June 30, 2018, there were no commitments to lend additional funds to those borrowers whose loans were restructured. As of March 31, 2019, the Corporation held 10 restructured loans with a net outstanding balance of $4.6 million: one loan was classified as special mention ($440,000), 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 ($2.7 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 March 31, 2019 and June 30, 2018, $2.9 million or 63%, 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) March 31, 2019 June 30, 2018 Restructured loans on non-accrual status: Mortgage loans: Single-family $ 2,669 $ 3,328 Commercial business loans 44 64 Total 2,713 3,392 Restructured loans on accrual status: Mortgage loans: Single-family 1,865 1,788 Total 1,865 1,788 Total restructured loans $ 4,578 $ 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 March 31, 2019 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,207 $ — $ 2,207 $ (123 ) $ 2,084 Without a related allowance (2) 2,818 (368 ) 2,450 — 2,450 Total single-family 5,025 (368 ) 4,657 (123 ) 4,534 Commercial business loans: With a related allowance 53 — 53 (9 ) 44 Total commercial business loans 53 — 53 (9 ) 44 Total restructured loans $ 5,078 $ (368 ) $ 4,710 $ (132 ) $ 4,578 (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 March 31, 2019, no properties were acquired in the settlement of loans and no previously foreclosed upon properties were sold. This compares to the quarter ended March 31, 2018 when two properties were acquired in the settlement of loans, and one previously foreclosed upon property was sold. For the nine months ended March 31, 2019, no properties were acquired in the settlement of loans, while two previously foreclosed upon properties were sold. This compares to the nine months ended March 31, 2018 when three properties were acquired in the settlement of loans, and three previously foreclosed upon properties were sold. As of March 31, 2019, 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	9 Months Ended
	Mar. 31, 2019
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 March 31, 2019 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 $16.6 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 March 31, 2019 June 30, 2018 (In Thousands) Undisbursed loan funds – Construction loans $ 6,109 $ 4,302 Undisbursed lines of credit – Commercial business loans 950 495 Undisbursed lines of credit – Consumer loans 481 503 Commitments to extend credit on loans to be held for investment 4,346 9,352 Total $ 11,886 $ 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 nine months ended March 31, 2019 and 2018. For the Quarters Ended For the Nine Months Ended (In Thousands) 2019 2018 2019 2018 Balance, beginning of the period $ 150 $ 188 $ 157 $ 277 Provision (recovery) 1 (29 ) (6 ) (118 ) Balance, end of the period $ 151 $ 159 $ 151 $ 159 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 March 31, 2019, $240,000 was included in other assets and $224,000 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 nine months ended March 31, 2019 and 2018 was as follows: For the Quarters Ended For the Nine Months Ended Derivative Financial Instruments 2019 2018 2019 2018 (In Thousands) Commitments to extend credit on loans to be held for sale $ (264 ) $ 266 $ (585 ) $ 173 Mandatory loan sale commitments and TBA 465 (281 ) 216 (1,072 ) Option contracts, net — — — (37 ) Total net gain (loss) $ 201 $ (15 ) $ (369 ) $ (936 ) The outstanding derivative financial instruments and other loan sale agreements at the dates indicated were as follows: March 31, 2019 June 30, 2018 Derivative Financial Instruments Amount Fair Amount Fair (In Thousands) Commitments to extend credit on loans to be held for sale (1) $ 12,211 $ 240 $ 56,906 $ 825 Best efforts loan sale commitments (10,212 ) — (29,502 ) — Mandatory loan sale commitments and TBA MBS trades (28,817 ) (224 ) (117,759 ) (440 ) Total $ (26,818 ) $ 16 $ (90,355 ) $ 385 (1) Net of 18.6% at March 31, 2019 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 third quarter of fiscal 2019, the Corporation repurchased two loans totaling $446,000 pursuant to the recourse/repurchase covenants contained in the loan sale agreements. In comparison, the Corporation repurchased two loans totaling $602,000 from investors during the third quarter of fiscal 2018. During the first nine months of fiscal 2019, the Corporation repurchased five loans totaling $699,000, including two loans that were fully charged off ($25,000). In comparison, the Corporation repurchased two loans totaling $602,000 from investors during the first nine months of fiscal 2018. 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 third quarters of fiscal 2019 and 2018, the Corporation did not record any provision for the recourse liability and did not settle any claims. For the first nine 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 March 31, 2019, 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 March 31, 2018. 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 nine months ended March 31, 2019 and 2018: For the Quarters Ended For the Nine Months Ended Recourse Liability 2019 2018 2019 2018 (In Thousands) Balance, beginning of the period $ 250 $ 283 $ 283 $ 305 Recovery from recourse liability — — (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	9 Months Ended
	Mar. 31, 2019
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 Gain (Loss) As of March 31, 2019: Loans held for investment, at fair value $ 5,239 $ 5,417 $ (178 ) Loans held for sale, at fair value $ 30,500 $ 29,565 $ 935 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 (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 March 31, 2019 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 3,796 $ — $ 3,796 U.S. government sponsored enterprise MBS — 2,198 — 2,198 Private issue CMO — — 300 300 Investment securities - available for sale — 5,994 300 6,294 Loans held for investment, at fair value — — 5,239 5,239 Loans held for sale, at fair value — 30,500 — 30,500 Interest-only strips — — 18 18 Derivative assets: Commitments to extend credit on loans to be held for sale — — 240 240 Derivative assets — — 240 240 Total assets $ — $ 36,494 $ 5,797 $ 42,291 Liabilities: Derivative liabilities: Mandatory loan sale commitments $ — $ — $ 7 $ 7 TBA MBS trades — 217 — 217 Derivative liabilities — 217 7 224 Total liabilities $ — $ 217 $ 7 $ 224 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 March 31, 2019 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (1) Interest- Only Loan Commitments (2) Mandatory (3) Total Beginning balance at December 31, 2018 $ 310 $ 4,995 $ 21 $ 504 $ (9 ) $ 5,821 Total gains or losses (realized/unrealized): Included in earnings — 87 — (264 ) (3 ) (180 ) Included in other comprehensive loss 1 — (3 ) — — (2 ) Purchases — — — — — — Issuances — — — — — — Settlements (11 ) (34 ) — — 5 (40 ) Transfers in and/or out of Level 3 — 191 — — — 191 Ending balance at March 31, 2019 $ 300 $ 5,239 $ 18 $ 240 $ (7 ) $ 5,790 (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 March 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (1) Interest- Only Strips Loan Commit- ments to Originate (2) Manda- tory Commit- ments (3) Total Beginning balance at December 31, 2017 $ 419 $ 5,157 $ 26 $ 716 $ (24 ) $ 6,294 Total gains or losses (realized/unrealized): Included in earnings — (118 ) — 266 (26 ) 122 Included in other comprehensive loss (2 ) — (2 ) — — (4 ) Purchases — — — — — — Issuances — — — — — — Settlements (22 ) (43 ) — — — (65 ) Transfers in and/or out of Level 3 — — — — — — Ending balance at March 31, 2018 $ 395 $ 4,996 $ 24 $ 982 $ (50 ) $ 6,347 (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 Nine Months Ended March 31, 2019 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (1) Interest- Only Loan Commitments (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 — 133 — (585 ) 18 (434 ) Included in other comprehensive loss — — (5 ) — — (5 ) Purchases — — — — — — Issuances — — — — — — Settlements (50 ) (789 ) — — 7 (832 ) Transfers in and/or out of Level 3 — 661 — — — 661 Ending balance at March 31, 2019 $ 300 $ 5,239 $ 18 $ 240 $ (7 ) $ 5,790 (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 Nine Months Ended March 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (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 — (72 ) — 173 (99 ) (37 ) (35 ) Included in other comprehensive loss (1 ) — (7 ) — — — (8 ) Purchases — — — — — — — Issuances — — — — — — — Settlements (65 ) (1,899 ) — — 2 — (1,962 ) Transfers in and/or out of Level 3 — 522 — — — — 522 Ending balance at March 31, 2018 $ 395 $ 4,996 $ 24 $ 982 $ (50 ) $ — $ 6,347 (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 March 31, 2019 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans $ — $ 4,541 $ 1,574 $ 6,115 Mortgage servicing assets — — 456 456 Real estate owned, net — — — — Total $ — $ 4,541 $ 2,030 $ 6,571 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 March 31, 2019: (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 $ 300 Market comparable pricing Comparability adjustment 1.2% – 1.3% (1.2%) Increase Loans held for investment, $ 5,239 Relative value Broker quotes 98.3% – 105.2% Increase Non-performing loans $ 703 Discounted cash flow Default rates 5.0% Decrease Non-performing loans $ 871 Relative value analysis Loss severity 20.0% - 30.0% (21.3%) Decrease Mortgage servicing assets $ 456 Discounted cash flow Prepayment speed (CPR) 9.7% - 60.0% (21.7%) Decrease Interest-only strips $ 18 Discounted cash flow Prepayment speed (CPR) 18.7% - 35.9% (34.3%) Decrease Commitments to extend credit on loans to be held for sale $ 240 Relative value analysis TBA-MBS broker quotes Fall-out ratio (3) 99.0% – 103.4% Increase Liabilities: Mandatory loan sale commitments $ 7 Relative value analysis TBA MBS broker quotes Roll-forward costs (4) 102.3% - 105.7% 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, estimated 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 March 31, 2019 and June 30, 2018 was as follows: March 31, 2019 (In Thousands) Carrying Fair Level 1 Level 2 Level 3 Financial assets: Investment securities - held to maturity $ 102,510 $ 103,056 — $ 103,056 $ — Loans held for investment, not recorded at fair value $ 878,315 $ 857,399 — — $ 857,399 FHLB – San Francisco stock $ 8,199 $ 8,199 — $ 8,199 — Financial liabilities: Deposits $ 876,884 $ 847,875 — — $ 847,875 Borrowings $ 101,121 $ 101,274 — — $ 101,274 June 30, 2018 (In Thousands) Carrying Fair Level 1 Level 2 Level 3 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 March 31, 2019, 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	9 Months Ended
	Mar. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Incentive Plans	Note 9: Incentive Plans As of March 31, 2019, 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 March 31, 2019 and 2018, the compensation cost for these plans was $37,000 and $292,000, respectively. The income tax benefit (deficiencies) recognized in the Condensed Consolidated Statements of Operations per adoption of ASU 2016-09 for share-based compensation plans for the quarters ended March 31, 2019 and 2018 was $(10,000) and $186,000, respectively. For the first nine months ended March 31, 2019 and 2018, the compensation cost for these plans was $767,000 and $816,000, 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 nine months ended March 31, 2019 and 2018 was $114,000 and $206,000, 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 third quarter of fiscal 2019, no options were granted or forfeited, and 11,250 options were exercised. This compares to the third quarter of fiscal 2018 when no options were granted or forfeited, and 56,500 options were exercised. During the first nine months of fiscal 2019, no options were granted or forfeited, and 31,250 options were exercised. This compares to the first nine months of fiscal 2018 when no options were granted, and 83,750 options were exercised and 2,500 options were forfeited. As of March 31, 2019 and 2018, there were 147,500 stock options available for future grants under the Plans at both dates. The following tables summarize the stock option activity in the Plans for the quarter and nine months ended March 31, 2019. For the Quarter Ended March 31, 2019 Options Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregate Intrinsic Value ($000) Outstanding at December 31, 2018 509,000 $ 12.83 Granted — $ — Exercised (11,250 ) $ 14.59 Forfeited — $ — Outstanding at March 31, 2019 497,750 $ 12.79 4.53 $ 3,551 Vested and expected to vest at March 31, 2019 495,150 $ 12.75 4.52 $ 3,550 Exercisable at March 31, 2019 484,750 $ 12.60 4.45 $ 3,546 For the Nine Months Ended March 31, 2019 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 (31,250 ) $ 12.49 Forfeited — $ — Outstanding at March 31, 2019 497,750 $ 12.79 4.53 $ 3,551 Vested and expected to vest at March 31, 2019 495,150 $ 12.75 4.52 $ 3,550 Exercisable at March 31, 2019 484,750 $ 12.60 4.45 $ 3,546 As of March 31, 2019 and 2018, there was $68,000 and $503,000 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 1.5 years and 1.0 years, respectively. The forfeiture rate during the first nine 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 3,000 shares of restricted stock vested in the third quarter of fiscal 2019. This compares to no restricted stock activity in the third quarter of fiscal 2018, other than the vesting of 10,500 shares. For the first nine months of fiscal 2019, there was no restricted stock activity, other than the vesting of 89,500 shares. This compares to no restricted stock activity, other than the vesting of 10,500 shares and the forfeiture of 2,000 shares for the first nine months of fiscal 2018. As of March 31, 2019 and 2018, there were 267,750 shares of restricted stock available for future awards under the Plans at both dates. The following tables summarize the unvested restricted stock activity for the quarter and nine months ended March 31, 2019. For the Quarter Ended Unvested Shares Shares Weighted- Award Date Fair Value Unvested at December 31, 2018 12,000 $ 18.31 Granted — $ — Vested (3,000 ) $ 18.90 Forfeited — $ — Unvested at March 31, 2019 9,000 $ 18.11 Expected to vest at March 31, 2019 7,200 $ 18.11 For the Nine Months Ended Unvested Shares Shares Weighted- Award Date Fair Value Unvested at June 30, 2018 98,500 $ 14.35 Granted — $ — Vested (89,500 ) $ 13.97 Forfeited — $ — Unvested at March 31, 2019 9,000 $ 18.11 Expected to vest at March 31, 2019 7,200 $ 18.11 As of March 31, 2019 and 2018, the unrecognized compensation expense was $131,000 and $687,000, 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 1.5 years and 1.2 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 nine months of fiscal 2019 and 2018.

Reclassification Adjustment of

Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI")	9 Months Ended
	Mar. 31, 2019
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 nine months ended March 31, 2019 and 2018. For the Quarter Ended March 31, 2019 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at December 31, 2018 $ 154 $ 15 $ 169 Other comprehensive loss before reclassifications (4 ) (2 ) (6 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (4 ) (2 ) (6 ) Ending balance at March 31, 2019 $ 150 $ 13 $ 163 For the Quarter Ended March 31, 2018 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at December 31, 2017 $ 195 $ 15 $ 210 Other comprehensive loss before reclassifications (20 ) (2 ) (22 ) Amount reclassified from accumulated other comprehensive income (2 ) — (2 ) Net other comprehensive loss (22 ) (2 ) (24 ) Ending balance at March 31, 2018 $ 173 $ 13 $ 186 For the Nine Months Ended March 31, 2019 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 (44 ) (3 ) (47 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (44 ) (3 ) (47 ) Ending balance at March 31, 2019 $ 150 $ 13 $ 163 For the Nine Months Ended March 31, 2018 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 (78 ) (8 ) (86 ) Amount reclassified from accumulated other comprehensive income 40 3 43 Net other comprehensive loss (38 ) (5 ) (43 ) Ending balance at March 31, 2018 $ 173 $ 13 $ 186

Offsetting Derivative and Other

Offsetting Derivative and Other Financial Instruments	9 Months Ended
	Mar. 31, 2019
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 March 31, 2019: 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 $ 224 $ — $ 224 $ — $ — $ 224 Total $ 224 $ — $ 224 $ — $ — $ 224 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	9 Months Ended
	Mar. 31, 2019
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 nine months ended March 31, 2019 and 2018: For the Quarters Ended For the Nine Months Ended Type of Services 2019 2018 2019 2018 (In Thousands) Asset management fees $ 77 $ 87 $ 215 $ 294 Debit card and ATM fees 395 394 1,227 1,190 Deposit related fees 484 549 1,522 1,659 Loan related fees 12 (6 ) 25 (42 ) BOLI (1) 47 65 140 199 Loan servicing fees (1) 262 493 863 1,173 Net gain on sale of loans (1) 1,719 3,597 7,114 12,761 Other 56 31 90 69 Total non-interest income $ 3,052 $ 5,210 $ 11,196 $ 17,303 (1) Not in scope of ASC 606. For the quarters and nine months ended March 31, 2019 and 2018, 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	9 Months Ended
	Mar. 31, 2019
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 federal 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 federal 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 $1.9 million that was recognized in the first nine months of fiscal 2018. The estimated combined federal and state statutory tax rates, before discrete items, for fiscal years 2019 and 2018 are as follows: Statutory Tax Rates FY2019 FY2018 Federal Tax Rate 21.00 % 28.06 % State Tax Rate 10.84 % 10.84 % Combined Statutory Tax Rate (1) 29.56 % 35.86 % (1) The combined statutory tax rate is net of the federal tax benefit for the state tax deduction. 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	9 Months Ended
	Mar. 31, 2019
Subsequent Events [Abstract]
Subsequent Events	Note 14: Subsequent Event On April 30, 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 May 21, 2019 will be entitled to receive the cash dividend. The cash dividend will be payable on June 11, 2019. On April 30, 2019, the Corporation announced that the Corporation’s Board of Directors authorized a one-year extension of the April 2018 stock repurchase plan. To date, a total of 23,748 shares of the Corporation’s common stock have been purchased under the plan, leaving 349,252 shares of the Corporation’s common stock authorized for purchase from time to time in the open market or in privately negotiated transactions prior to the expiration of the extension on April 26, 2020.

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Mar. 31, 2019
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 nine months ended March 31, 2019 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 nine months ended March 31, 2019; 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. In January 2019, the FASB issued ASU 2019-01, Codification Improvements. The amendments in this update include the following items: (i) determining the fair value of the underlying asset by lessors that are not manufacturers or dealers; (ii) requiring cash received from lessors from sales-type and direct financing leases to be presented in the cash flow statement within investing activities; and (iii) clarifying interim disclosure requirements. The effective date and transition requirements for the first and second items of this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2019 and early adoption is permitted. The effective date and transition requirements for the third item of this ASU are the same as ASU 2016-02. The Corporation plans to adopt these ASUs on July 1, 2019. Management is currently assessing the impact of these ASUs on the Corporation's financial position and results of operations but does not believe that adoption of these ASUs 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)	9 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Schedule of earnings per share, basic and diluted	For the Quarters Ended For the Nine Months Ended (In Thousands, Except Earnings Per Share) 2019 2018 2019 2018 Numerator: Net income (loss) – numerator for basic earnings per share and diluted earnings per share - available to common stockholders $ (151 ) $ 1,733 $ 3,630 $ 731 Denominator: Denominator for basic earnings per share: Weighted-average shares 7,507 7,457 7,481 7,573 Effect of dilutive shares: Stock options — 97 60 111 Restricted stock — 62 14 53 Denominator for diluted earnings per share: Adjusted weighted-average shares and assumed conversions 7,507 7,616 7,555 7,737 Basic earnings (loss) per share $ (0.02 ) $ 0.23 $ 0.49 $ 0.10 Diluted earnings (loss) per share $ (0.02 ) $ 0.23 $ 0.48 $ 0.09

Operating Segment Reports (Tabl

Operating Segment Reports (Tables)	9 Months Ended
	Mar. 31, 2019
Segment Reporting [Abstract]
Schedule of condensed consolidated statements of operations and total assets for operating segment	For the Quarter Ended March 31, 2019 (In Thousands) Provident Provident Consolidated Net interest income $ 9,431 $ 181 $ 9,612 Provision (recovery) for loan losses 74 (70 ) 4 Net interest income, after provision (recovery) for loan losses 9,357 251 9,608 Non-interest income: Loan servicing and other fees (1) 103 159 262 Gain (loss) on sale of loans, net (2) (1 ) 1,720 1,719 Deposit account fees 471 — 471 Gain on sale and operations of real estate owned acquired in the settlement of loans, net 2 — 2 Card and processing fees 373 — 373 Other 223 2 225 Total non-interest income 1,171 1,881 3,052 Non-interest expense: Salaries and employee benefits 5,002 4,290 9,292 Premises and occupancy 847 439 1,286 Operating and administrative expenses 1,314 1,108 2,422 Total non-interest expense 7,163 5,837 13,000 Income (loss) before income taxes 3,365 (3,705 ) (340 ) Provision (benefit) for income taxes 907 (1,096 ) (189 ) Net income (loss) $ 2,458 $ (2,609 ) $ (151 ) Total assets, end of period $ 1,088,716 $ 30,679 $ 1,119,395 (1) Includes an inter-company charge of $2 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 $17 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 March 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 8,750 $ 374 $ 9,124 Recovery from the allowance for loan losses (505 ) — (505 ) Net interest income, after recovery from the allowance for loan losses 9,255 374 9,629 Non-interest income: Loan servicing and other fees (1) 313 180 493 Gain (loss) on sale of loans, net (2) (1 ) 3,598 3,597 Deposit account fees 529 — 529 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (19 ) — (19 ) Card and processing fees 372 — 372 Other 238 — 238 Total non-interest income 1,432 3,778 5,210 Non-interest expense: Salaries and employee benefits 4,763 4,045 8,808 Premises and occupancy 842 413 1,255 Operating and administrative expenses 1,050 1,326 2,376 Total non-interest expense 6,655 5,784 12,439 Income (loss) before income taxes 4,032 (1,632 ) 2,400 Provision (benefit) for income taxes 1,252 (585 ) 667 Net income (loss) $ 2,780 $ (1,047 ) $ 1,733 Total assets, end of period $ 1,086,437 $ 90,165 $ 1,176,602 (1) Includes an inter-company charge of $222 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 $44 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 Nine Months Ended March 31, 2019 (In Thousands) Provident Provident Consolidated Net interest income $ 27,956 $ 844 $ 28,800 Provision (recovery) for loan losses (475 ) 25 (450 ) Net interest income, after provision (recovery) for loan losses 28,431 819 29,250 Non-interest income: Loan servicing and other fees (1) 87 776 863 Gain on sale of loans, net (2) 33 7,081 7,114 Deposit account fees 1,485 — 1,485 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (4 ) — (4 ) Card and processing fees 1,163 — 1,163 Other 573 2 575 Total non-interest income 3,337 7,859 11,196 Non-interest expense: Salaries and employee benefits 14,138 10,615 24,753 Premises and occupancy 2,652 1,253 3,905 Operating and administrative expenses 3,307 3,614 6,921 Total non-interest expense 20,097 15,482 35,579 Income (loss) before income taxes 11,671 (6,804 ) 4,867 Provision (benefit) for income taxes 3,249 (2,012 ) 1,237 Net income (loss) $ 8,422 $ (4,792 ) $ 3,630 Total assets, end of period $ 1,088,716 $ 30,679 $ 1,119,395 (1) Includes an inter-company charge of $428 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 $37 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 Nine Months Ended March 31, 2018 (In Thousands) Provident Provident Consolidated Net interest income $ 25,517 $ 1,476 $ 26,993 Recovery from the allowance for loan losses (347 ) — (347 ) Net interest income, after recovery from the allowance for loan losses 25,864 1,476 27,340 Non-interest income: Loan servicing and other fees (1) 468 705 1,173 Gain on sale of loans, net (2) 21 12,740 12,761 Deposit account fees 1,623 — 1,623 Loss on sale and operations of real estate owned acquired in the settlement of loans, net (81 ) — (81 ) Card and processing fees 1,126 — 1,126 Other 701 — 701 Total non-interest income 3,858 13,445 17,303 Non-interest expense: Salaries and employee benefits 13,714 12,996 26,710 Premises and occupancy 2,491 1,338 3,829 Operating and administrative expenses (3) 4,490 6,357 10,847 Total non-interest expense 20,695 20,691 41,386 Income (loss) before income taxes 9,027 (5,770 ) 3,257 Provision (benefit) for income taxes (4) 4,595 (2,069 ) 2,526 Net income (loss) $ 4,432 $ (3,701 ) $ 731 Total assets, end of period $ 1,086,437 $ 90,165 $ 1,176,602 (1) Includes an inter-company charge of $561 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 $182 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 of litigation settlement expense for the first nine months of fiscal 2018, of which $2.1 million was allocated to PBM. (4) Includes a net tax charge of $1.9 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the nine months ended December 31, 2017.

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of available-for-sale securities reconciliation	March 31, 2019 Amortized Cost Gross Gross Estimated Carrying Value (In Thousands) Held to maturity: U.S. government sponsored enterprise MBS (1) $ 99,193 $ 728 $ (163 ) $ 99,758 $ 99,193 U.S. SBA securities (2) 2,917 — (19 ) 2,898 2,917 Certificate of deposits 400 — — 400 400 Total investment securities - held to maturity $ 102,510 $ 728 $ (182 ) $ 103,056 $ 102,510 Available for sale: U.S. government agency MBS $ 3,677 $ 119 $ — $ 3,796 $ 3,796 U.S. government sponsored enterprise MBS 2,107 91 — 2,198 2,198 Private issue CMO (3) 296 4 — 300 300 Total investment securities - available for sale $ 6,080 $ 214 $ — $ 6,294 $ 6,294 Total investment securities $ 108,590 $ 942 $ (182 ) $ 109,350 $ 108,804 (1) Mortgage-Backed Securities (“MBS”). (2) Small Business Administration (“SBA”). (3) Collateralized Mortgage Obligations (“CMO”). June 30, 2018 Amortized Cost Gross Gross Estimated 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 March 31, 2019 Unrealized Holding Unrealized Holding Unrealized Holding (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 $ — $ — $ 26,758 $ 163 $ 26,758 $ 163 U.S. SBA securities 2,892 19 — — 2,892 19 Total investment securities $ 2,892 $ 19 $ 26,758 $ 163 $ 29,650 $ 182 As of June 30, 2018 Unrealized Holding Unrealized Holding Unrealized Holding (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	March 31, 2019 June 30, 2018 (In Thousands) Amortized Estimated Amortized Estimated Held to maturity: Due in one year or less $ 200 $ 200 $ 600 $ 600 Due after one through five years 35,345 35,259 24,961 24,569 Due after five through ten years 38,691 39,126 22,847 22,477 Due after ten years 28,274 28,471 39,405 39,593 Total investment securities - held to maturity $ 102,510 $ 103,056 $ 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 6,080 6,294 7,220 7,496 Total investment securities - available for sale $ 6,080 $ 6,294 $ 7,220 $ 7,496 Total investment securities $ 108,590 $ 109,350 $ 95,033 $ 94,735

Loans Held for Investment (Tabl

Loans Held for Investment (Tables)	9 Months Ended
	Mar. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
Schedule of loans held for investment	(In Thousands) March 31, June 30, Mortgage loans: Single-family $ 314,824 $ 314,808 Multi-family 449,812 476,008 Commercial real estate 115,355 109,726 Construction (1) 4,139 3,174 Other 167 167 Commercial business loans (2) 483 500 Consumer loans (3) 133 109 Total loans held for investment, gross 884,913 904,492 Advance payments of escrows 225 18 Deferred loan costs, net 5,496 5,560 Allowance for loan losses (7,080 ) (7,385 ) Total loans held for investment, net $ 883,554 $ 902,685 (1) Net of $6.1 million and $4.3 million of undisbursed loan funds as of March 31, 2019 and June 30, 2018, respectively (2) Net of $950 and $495 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively. (3) Net of $481 and $503 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.
Schedule of loans held for investment, contractual repricing	Adjustable Rate (In Thousands) Within One After After After Fixed Rate Total Mortgage loans: Single-family $ 100,302 $ 37,514 $ 102,300 $ 62,493 $ 12,215 $ 314,824 Multi-family 125,503 162,437 145,968 15,710 194 449,812 Commercial real estate 44,247 33,136 36,442 1,055 475 115,355 Construction 3,581 — — — 558 4,139 Other — — — — 167 167 Commercial business loans 75 — — — 408 483 Consumer loans 133 — — — — 133 Total loans held for investment, gross $ 273,841 $ 233,087 $ 284,710 $ 79,258 $ 14,017 $ 884,913
Schedule of gross loans held for investment by loan types and risk category	March 31, 2019 (In Thousands) Single- Multi- Commercial Construction Other Commercial Consumer Total Pass $ 304,403 $ 445,927 $ 115,355 $ 3,394 $ 167 $ 430 $ 133 $ 869,809 Special Mention 3,347 3,885 — — — — — 7,232 Substandard 7,074 — — 745 — 53 — 7,872 Total loans held for investment, gross $ 314,824 $ 449,812 $ 115,355 $ 4,139 $ 167 $ 483 $ 133 $ 884,913 June 30, 2018 (In Thousands) Single- Multi- Commercial Construction Other Commercial 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) March 31, 2019 June 30, 2018 Collectively evaluated for impairment: Mortgage loans: Single-family $ 2,514 $ 2,632 Multi-family 3,300 3,492 Commercial real estate 1,042 1,030 Construction 63 47 Other 3 3 Commercial business loans 18 18 Consumer loans 8 6 Total collectively evaluated allowance 6,948 7,228 Individually evaluated for impairment: Mortgage loans: Single-family 123 151 Commercial business loans 9 6 Total individually evaluated allowance 132 157 Total loan loss allowance $ 7,080 $ 7,385 For the Quarters Ended For the Nine Months Ended (Dollars in Thousands) 2019 2018 2019 2018 Allowance at beginning of period $ 7,061 $ 8,075 $ 7,385 $ 8,039 Provision (recovery) for loan losses 4 (505 ) (450 ) (347 ) Recoveries: Mortgage loans: Single-family 22 71 177 203 Consumer loans 1 — 2 — Total recoveries 23 71 179 203 Charge-offs: Mortgage loans: Single-family (6 ) (110 ) (31 ) (364 ) Consumer loans (2 ) — (3 ) — Total charge-offs (8 ) (110 ) (34 ) (364 ) Net (charge-offs) recoveries 15 (39 ) 145 (161 ) Balance at end of period $ 7,080 $ 7,531 $ 7,080 $ 7,531 Allowance for loan losses as a percentage of gross loans held for investment at the end of the period 0.79 % 0.84 % 0.79 % 0.84 % Net charge-offs (recoveries) as a percentage of average loans receivable, net, during the period (annualized) (0.01 )% 0.02 % (0.02 )% 0.02 %
Schedule of past due status of gross loans held for investment, net of fair value adjustments	March 31, 2019 (In Thousands) Current 30-89 Days Non-Accrual (1) Total Loans Held for Mortgage loans: Single-family $ 308,554 $ 696 $ 5,574 $ 314,824 Multi-family 449,812 — — 449,812 Commercial real estate 115,355 — — 115,355 Construction 3,394 — 745 4,139 Other 167 — — 167 Commercial business loans 430 — 53 483 Consumer loans 130 3 — 133 Total loans held for investment, gross $ 877,842 $ 699 $ 6,372 $ 884,913 (1) June 30, 2018 (In Thousands) Current 30-89 Days Non-Accrual (1) Total Loans Held for 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 March 31, 2019 (In Thousands) Single- Multi- Commercial Construction Other Commercial Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,679 $ 3,280 $ 1,019 $ 48 $ 3 $ 26 $ 6 $ 7,061 Provision (recovery) for loan losses (58 ) 20 23 15 — 1 3 4 Recoveries 22 — — — — — 1 23 Charge-offs (6 ) — — — — — (2 ) (8 ) Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Allowance for loan losses: Individually evaluated for impairment $ 123 $ — $ — $ — $ — $ 9 $ — $ 132 Collectively evaluated for impairment 2,514 3,300 1,042 63 3 18 8 6,948 Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Loans held for investment: Individually evaluated for impairment $ 6,004 $ — $ — $ 745 $ — $ 53 $ — $ 6,802 Collectively evaluated for impairment 308,820 449,812 115,355 3,394 167 430 133 878,111 Total loans held for investment, gross $ 314,824 $ 449,812 $ 115,355 $ 4,139 $ 167 $ 483 $ 133 $ 884,913 Allowance for loan losses as a percentage of gross loans held for investment 0.84 % 0.73 % 0.90 % 1.52 % 1.80 % 5.59 % 6.02 % 0.79 % Quarter Ended March 31, 2018 (In Thousands) Single- Multi- Commercial Construction Commercial Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,303 $ 3,295 $ 933 $ 504 $ 32 $ 8 $ 8,075 Provision (recovery) for loan losses (143 ) 17 33 (410 ) (1 ) (1 ) (505 ) Recoveries 71 — — — — — 71 Charge-offs (110 ) — — — — — (110 ) Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Allowance for loan losses: Individually evaluated for impairment $ 161 $ — $ — $ — $ 15 $ — $ 176 Collectively evaluated for impairment 2,960 3,312 966 94 16 7 7,355 Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Loans held for investment: Individually evaluated for impairment $ 7,929 $ — $ — $ — $ 73 $ — $ 8,002 Collectively evaluated for impairment 308,983 466,266 106,937 5,324 377 130 888,017 Total loans held for investment, gross $ 316,912 $ 466,266 $ 106,937 $ 5,324 $ 450 $ 130 $ 896,019 Allowance for loan losses as a percentage of gross loans held for investment 0.98 % 0.71 % 0.90 % 1.77 % 6.89 % 5.38 % 0.84 % Nine Months Ended March 31, 2019 (In Thousands) Single- Multi- Commercial Construction Other Commercial Consumer Total Allowance for loan losses: Allowance at beginning of period $ 2,783 $ 3,492 $ 1,030 $ 47 $ 3 $ 24 $ 6 $ 7,385 Provision (recovery) for loan losses (292 ) (192 ) 12 16 — 3 3 (450 ) Recoveries 177 — — — — — 2 179 Charge-offs (31 ) — — — — — (3 )(34) Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Allowance for loan losses: Individually evaluated for impairment $ 123 $ — $ — $ — $ — $ 9 $ — $ 132 Collectively evaluated for impairment 2,514 3,300 1,042 63 3 18 8 6,948 Allowance for loan losses, end of period $ 2,637 $ 3,300 $ 1,042 $ 63 $ 3 $ 27 $ 8 $ 7,080 Loans held for investment: Individually evaluated for impairment $ 6,004 $ — $ — $ 745 $ — $ 53 $ — $ 6,802 Collectively evaluated for impairment 308,820 449,812 115,355 3,394 167 430 133 878,111 Total loans held for investment, gross $ 314,824 $ 449,812 $ 115,355 $ 4,139 $ 167 $ 483 $ 133 $ 884,913 Allowance for loan losses as a percentage of gross loans held for investment 0.84 % 0.73 % 0.90 % 1.52 % 1.80 % 5.59 % 6.02 % 0.79 % Nine Months Ended March 31, 2018 (In Thousands) Single- Multi- Commercial Construction Commercial Consumer Total Allowance for loan losses: Allowance at beginning of period $ 3,601 $ 3,420 $ 879 $ 96 $ 36 $ 7 $ 8,039 Provision (recovery) for loan losses (319 ) (108 ) 87 (2 ) (5 ) — (347 ) Recoveries 203 — — — — — 203 Charge-offs (364 ) — — — — — (364 ) Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Allowance for loan losses: Individually evaluated for impairment $ 161 $ — $ — $ — $ 15 $ — $ 176 Collectively evaluated for impairment 2,960 3,312 966 94 16 7 7,355 Allowance for loan losses, end of period $ 3,121 $ 3,312 $ 966 $ 94 $ 31 $ 7 $ 7,531 Loans held for investment: Individually evaluated for impairment $ 7,929 $ — $ — $ — $ 73 $ — $ 8,002 Collectively evaluated for impairment 308,983 466,266 106,937 5,324 377 130 888,017 Total loans held for investment, gross $ 316,912 $ 466,266 $ 106,937 $ 5,324 $ 450 $ 130 $ 896,019 Allowance for loan losses as a percentage of gross loans held for investment 0.98 % 0.71 % 0.90 % 1.77 % 6.89 5.38 % 0.84 %
Schedule of recorded investment in non-performing loans	At March 31, 2019 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 1,813 $ — $ 1,813 $ (284 ) $ 1,529 Without a related allowance (2) 4,336 (539 ) 3,797 — 3,797 Total single-family 6,149 (539 ) 5,610 (284 ) 5,326 Construction: Without a related allowance (3) 745 — 745 — 745 Total construction 745 — 745 — 745 Commercial business loans: With a related allowance 53 — 53 (9 ) 44 Total commercial business loans 53 — 53 (9 ) 44 Total non-performing loans $ 6,947 $ (539 ) $ 6,408 $ (293 ) $ 6,115 (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. 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) 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. Quarter Ended March 31, 2019 2018 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 2,785 $ — $ 6,397 $ 49 Construction 745 — — — 3,530 — 6,397 49 With related allowances: Mortgage loans: Single-family 2,841 29 1,170 20 Commercial business loans 54 1 74 1 2,895 30 1,244 21 Total $ 6,425 $ 30 $ 7,641 $ 70 Nine Months Ended March 31, 2019 2018 Average Interest Average Interest Recorded Income Recorded Income (In Thousands) Investment Recognized Investment Recognized Without related allowances: Mortgage loans: Single-family $ 3,570 $ 229 $ 7,296 $ 184 Commercial real estate — — 22 13 Construction 579 — — — 4,149 229 7,318 197 With related allowances: Mortgage loans: Single-family 2,466 89 738 39 Commercial business loans 61 3 76 4 2,527 92 814 43 Total $ 6,676 $ 321 $ 8,132 $ 240
Schedule of troubled debt restructurings by nonaccrual versus accrual status	At At (In Thousands) March 31, 2019 June 30, 2018 Restructured loans on non-accrual status: Mortgage loans: Single-family $ 2,669 $ 3,328 Commercial business loans 44 64 Total 2,713 3,392 Restructured loans on accrual status: Mortgage loans: Single-family 1,865 1,788 Total 1,865 1,788 Total restructured loans $ 4,578 $ 5,180
Schedule of recorded investment in restructured loans	At March 31, 2019 Unpaid Net Principal Related Recorded Recorded (In Thousands) Balance Charge-offs Investment Allowance (1) Investment Mortgage loans: Single-family: With a related allowance $ 2,207 $ — $ 2,207 $ (123 ) $ 2,084 Without a related allowance (2) 2,818 (368 ) 2,450 — 2,450 Total single-family 5,025 (368 ) 4,657 (123 ) 4,534 Commercial business loans: With a related allowance 53 — 53 (9 ) 44 Total commercial business loans 53 — 53 (9 ) 44 Total restructured loans $ 5,078 $ (368 ) $ 4,710 $ (132 ) $ 4,578 (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. 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) 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.

Derivative and Other Financia_2

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Tables)	9 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of undisbursed funds commitments	Commitments March 31, 2019 June 30, 2018 (In Thousands) Undisbursed loan funds – Construction loans $ 6,109 $ 4,302 Undisbursed lines of credit – Commercial business loans 950 495 Undisbursed lines of credit – Consumer loans 481 503 Commitments to extend credit on loans to be held for investment 4,346 9,352 Total $ 11,886 $ 14,652
Schedule of allowance for loan losses of undisbursed funds and commitments on loans held for investment	For the Quarters Ended For the Nine Months Ended (In Thousands) 2019 2018 2019 2018 Balance, beginning of the period $ 150 $ 188 $ 157 $ 277 Provision (recovery) 1 (29 ) (6 ) (118 ) Balance, end of the period $ 151 $ 159 $ 151 $ 159
Schedule of impact of derivative financial instruments on gain on sale of loans	For the Quarters Ended For the Nine Months Ended Derivative Financial Instruments 2019 2018 2019 2018 (In Thousands) Commitments to extend credit on loans to be held for sale $ (264 ) $ 266 $ (585 ) $ 173 Mandatory loan sale commitments and TBA 465 (281 ) 216 (1,072 ) Option contracts, net — — — (37 ) Total net gain (loss) $ 201 $ (15 ) $ (369 ) $ (936 )
Schedule of outstanding derivative instruments	March 31, 2019 June 30, 2018 Derivative Financial Instruments Amount Fair Amount Fair (In Thousands) Commitments to extend credit on loans to be held for sale (1) $ 12,211 $ 240 $ 56,906 $ 825 Best efforts loan sale commitments (10,212 ) — (29,502 ) — Mandatory loan sale commitments and TBA MBS trades (28,817 ) (224 ) (117,759 ) (440 ) Total $ (26,818 ) $ 16 $ (90,355 ) $ 385 (1) Net of 18.6% at March 31, 2019 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 For the Nine Months Ended Recourse Liability 2019 2018 2019 2018 (In Thousands) Balance, beginning of the period $ 250 $ 283 $ 283 $ 305 Recovery from recourse liability — — (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)	9 Months Ended
	Mar. 31, 2019
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 Gain (Loss) As of March 31, 2019: Loans held for investment, at fair value $ 5,239 $ 5,417 $ (178 ) Loans held for sale, at fair value $ 30,500 $ 29,565 $ 935 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 March 31, 2019 Using: (In Thousands) Level 1 Level 2 Level 3 Total Assets: Investment securities - available for sale: U.S. government agency MBS $ — $ 3,796 $ — $ 3,796 U.S. government sponsored enterprise MBS — 2,198 — 2,198 Private issue CMO — — 300 300 Investment securities - available for sale — 5,994 300 6,294 Loans held for investment, at fair value — — 5,239 5,239 Loans held for sale, at fair value — 30,500 — 30,500 Interest-only strips — — 18 18 Derivative assets: Commitments to extend credit on loans to be held for sale — — 240 240 Derivative assets — — 240 240 Total assets $ — $ 36,494 $ 5,797 $ 42,291 Liabilities: Derivative liabilities: Mandatory loan sale commitments $ — $ — $ 7 $ 7 TBA MBS trades — 217 — 217 Derivative liabilities — 217 7 224 Total liabilities $ — $ 217 $ 7 $ 224 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 March 31, 2019 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (1) Interest- Only Loan Commitments (2) Mandatory (3) Total Beginning balance at December 31, 2018 $ 310 $ 4,995 $ 21 $ 504 $ (9 ) $ 5,821 Total gains or losses (realized/unrealized): Included in earnings — 87 — (264 ) (3 ) (180 ) Included in other comprehensive loss 1 — (3 ) — — (2 ) Purchases — — — — — — Issuances — — — — — — Settlements (11 ) (34 ) — — 5 (40 ) Transfers in and/or out of Level 3 — 191 — — — 191 Ending balance at March 31, 2019 $ 300 $ 5,239 $ 18 $ 240 $ (7 ) $ 5,790 (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 March 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (1) Interest- Only Strips Loan Commit- ments to Originate (2) Manda- tory Commit- ments (3) Total Beginning balance at December 31, 2017 $ 419 $ 5,157 $ 26 $ 716 $ (24 ) $ 6,294 Total gains or losses (realized/unrealized): Included in earnings — (118 ) — 266 (26 ) 122 Included in other comprehensive loss (2 ) — (2 ) — — (4 ) Purchases — — — — — — Issuances — — — — — — Settlements (22 ) (43 ) — — — (65 ) Transfers in and/or out of Level 3 — — — — — — Ending balance at March 31, 2018 $ 395 $ 4,996 $ 24 $ 982 $ (50 ) $ 6,347 (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 Nine Months Ended March 31, 2019 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (1) Interest- Only Loan Commitments (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 — 133 — (585 ) 18 (434 ) Included in other comprehensive loss — — (5 ) — — (5 ) Purchases — — — — — — Issuances — — — — — — Settlements (50 ) (789 ) — — 7 (832 ) Transfers in and/or out of Level 3 — 661 — — — 661 Ending balance at March 31, 2019 $ 300 $ 5,239 $ 18 $ 240 $ (7 ) $ 5,790 (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 Nine Months Ended March 31, 2018 Fair Value Measurement Using Significant Other Unobservable Inputs (Level 3) (In Thousands) Private Issue CMO Loans Held (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 — (72 ) — 173 (99 ) (37 ) (35 ) Included in other comprehensive loss (1 ) — (7 ) — — — (8 ) Purchases — — — — — — — Issuances — — — — — — — Settlements (65 ) (1,899 ) — — 2 — (1,962 ) Transfers in and/or out of Level 3 — 522 — — — — 522 Ending balance at March 31, 2018 $ 395 $ 4,996 $ 24 $ 982 $ (50 ) $ — $ 6,347 (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 March 31, 2019 Using: (In Thousands) Level 1 Level 2 Level 3 Total Non-performing loans $ — $ 4,541 $ 1,574 $ 6,115 Mortgage servicing assets — — 456 456 Real estate owned, net — — — — Total $ — $ 4,541 $ 2,030 $ 6,571 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 $ 300 Market comparable pricing Comparability adjustment 1.2% – 1.3% (1.2%) Increase Loans held for investment, $ 5,239 Relative value Broker quotes 98.3% – 105.2% Increase Non-performing loans $ 703 Discounted cash flow Default rates 5.0% Decrease Non-performing loans $ 871 Relative value analysis Loss severity 20.0% - 30.0% (21.3%) Decrease Mortgage servicing assets $ 456 Discounted cash flow Prepayment speed (CPR) 9.7% - 60.0% (21.7%) Decrease Interest-only strips $ 18 Discounted cash flow Prepayment speed (CPR) 18.7% - 35.9% (34.3%) Decrease Commitments to extend credit on loans to be held for sale $ 240 Relative value analysis TBA-MBS broker quotes Fall-out ratio (3) 99.0% – 103.4% Increase Liabilities: Mandatory loan sale commitments $ 7 Relative value analysis TBA MBS broker quotes Roll-forward costs (4) 102.3% - 105.7% 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	March 31, 2019 (In Thousands) Carrying Fair Level 1 Level 2 Level 3 Financial assets: Investment securities - held to maturity $ 102,510 $ 103,056 — $ 103,056 $ — Loans held for investment, not recorded at fair value $ 878,315 $ 857,399 — — $ 857,399 FHLB – San Francisco stock $ 8,199 $ 8,199 — $ 8,199 — Financial liabilities: Deposits $ 876,884 $ 847,875 — — $ 847,875 Borrowings $ 101,121 $ 101,274 — — $ 101,274 June 30, 2018 (In Thousands) Carrying Fair Level 1 Level 2 Level 3 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)	9 Months Ended
	Mar. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of stock option activity	For the Quarter Ended March 31, 2019 Options Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregate Intrinsic Value ($000) Outstanding at December 31, 2018 509,000 $ 12.83 Granted — $ — Exercised (11,250 ) $ 14.59 Forfeited — $ — Outstanding at March 31, 2019 497,750 $ 12.79 4.53 $ 3,551 Vested and expected to vest at March 31, 2019 495,150 $ 12.75 4.52 $ 3,550 Exercisable at March 31, 2019 484,750 $ 12.60 4.45 $ 3,546 For the Nine Months Ended March 31, 2019 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 (31,250 ) $ 12.49 Forfeited — $ — Outstanding at March 31, 2019 497,750 $ 12.79 4.53 $ 3,551 Vested and expected to vest at March 31, 2019 495,150 $ 12.75 4.52 $ 3,550 Exercisable at March 31, 2019 484,750 $ 12.60 4.45 $ 3,546
Schedule of unvested restricted stock activity	For the Quarter Ended Unvested Shares Shares Weighted- Award Date Fair Value Unvested at December 31, 2018 12,000 $ 18.31 Granted — $ — Vested (3,000 ) $ 18.90 Forfeited — $ — Unvested at March 31, 2019 9,000 $ 18.11 Expected to vest at March 31, 2019 7,200 $ 18.11 For the Nine Months Ended Unvested Shares Shares Weighted- Award Date Fair Value Unvested at June 30, 2018 98,500 $ 14.35 Granted — $ — Vested (89,500 ) $ 13.97 Forfeited — $ — Unvested at March 31, 2019 9,000 $ 18.11 Expected to vest at March 31, 2019 7,200 $ 18.11

Reclassification Adjustment o_2

Reclassification Adjustment of Accumulated Other Comprehensive Income ("AOCI") (Tables)	9 Months Ended
	Mar. 31, 2019
Equity [Abstract]
Schedule of accumulated other comprehensive income	For the Quarter Ended March 31, 2019 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at December 31, 2018 $ 154 $ 15 $ 169 Other comprehensive loss before reclassifications (4 ) (2 ) (6 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (4 ) (2 ) (6 ) Ending balance at March 31, 2019 $ 150 $ 13 $ 163 For the Quarter Ended March 31, 2018 Unrealized gains and losses on (In Thousands) Investment securities Interest- Total Beginning balance at December 31, 2017 $ 195 $ 15 $ 210 Other comprehensive loss before reclassifications (20 ) (2 ) (22 ) Amount reclassified from accumulated other comprehensive income (2 ) — (2 ) Net other comprehensive loss (22 ) (2 ) (24 ) Ending balance at March 31, 2018 $ 173 $ 13 $ 186 For the Nine Months Ended March 31, 2019 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 (44 ) (3 ) (47 ) Amount reclassified from accumulated other comprehensive income — — — Net other comprehensive loss (44 ) (3 ) (47 ) Ending balance at March 31, 2019 $ 150 $ 13 $ 163 For the Nine Months Ended March 31, 2018 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 (78 ) (8 ) (86 ) Amount reclassified from accumulated other comprehensive income 40 3 43 Net other comprehensive loss (38 ) (5 ) (43 ) Ending balance at March 31, 2018 $ 173 $ 13 $ 186

Offsetting Derivative and Oth_2

Offsetting Derivative and Other Financial Instruments (Tables)	9 Months Ended
	Mar. 31, 2019
Offsetting [Abstract]
Schedule of gross and net amounts of derivative assets	As of March 31, 2019: 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 $ — $ — $ — $ — $ — $ — 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 March 31, 2019: 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 $ 224 $ — $ 224 $ — $ — $ 224 Total $ 224 $ — $ 224 $ — $ — $ 224 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)	9 Months Ended
	Mar. 31, 2019
Revenue Recognition [Abstract]
Schedule of non-interest income disaggregated by type of service	For the Quarters Ended For the Nine Months Ended Type of Services 2019 2018 2019 2018 (In Thousands) Asset management fees $ 77 $ 87 $ 215 $ 294 Debit card and ATM fees 395 394 1,227 1,190 Deposit related fees 484 549 1,522 1,659 Loan related fees 12 (6 ) 25 (42 ) BOLI (1) 47 65 140 199 Loan servicing fees (1) 262 493 863 1,173 Net gain on sale of loans (1) 1,719 3,597 7,114 12,761 Other 56 31 90 69 Total non-interest income $ 3,052 $ 5,210 $ 11,196 $ 17,303 (1) Not in scope of ASC 606.

Income Taxes (Tables)

Income Taxes (Tables)	9 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of estimated combined federal and state statutory tax rates	Statutory Tax Rates FY2019 FY2018 Federal Tax Rate 21.00 % 28.06 % State Tax Rate 10.84 % 10.84 % Combined Statutory Tax Rate (1) 29.56 % 35.86 % (1) The combined statutory tax rate is net of the federal tax benefit for the state tax deduction.

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		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Numerator:
Net income (loss) - numerator for basic earnings per share and diluted earnings per share - available to common stockholders	$ (151)	$ 1,733	$ 3,630	$ 731
Denominator for basic earnings per share:
Weighted-average shares	7,507	7,457	7,481	7,573
Denominator for diluted earnings per share:
Adjusted weighted-average shares and assumed conversions	7,507	7,616	7,555	7,737
Basic earnings (loss) per share (in dollars per share)	$ (0.02)	$ 0.23	$ 0.49	$ 0.10
Diluted earnings (loss) per share (in dollars per share)	$ (0.02)	$ 0.23	$ 0.48	$ 0.09
Stock options
Denominator for basic earnings per share:
Weighted-average shares	0	97	60	111
Restricted stock
Denominator for basic earnings per share:
Weighted-average shares	0	62	14	53

Earnings (Loss) Per Share (Deta

Earnings (Loss) Per Share (Detail Textuals) - shares	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options, outstanding	497,750	529,000	497,750	529,000
Antidilutive securities excluded from computation of earnings per share	497,750	26,000	497,750	26,000
Restricted stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Restricted stock awards outstanding	9,000	98,500	9,000	98,500

Operating Segment Reports (Deta

Operating Segment Reports (Details) - USD ($) $ in Thousands		3 Months Ended				9 Months Ended
		Mar. 31, 2019		Mar. 31, 2018		Mar. 31, 2019		Mar. 31, 2018		Jun. 30, 2018
Net interest income		$ 9,612		$ 9,124		$ 28,800		$ 26,993
Provision (recovery) for loan losses		4		(505)		(450)		(347)
Net interest income, after provision (recovery) for loan losses		9,608		9,629		29,250		27,340
Non-interest income:
Gain (loss) on sale of loans, net	[2]	1,719	[1]	3,597	[3],[4]	7,114	[3]	12,761	[5]
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net		2		(19)		(4)		(81)
Other		225		238		575		701
Total non-interest income		3,052		5,210		11,196		17,303
Non-interest expense:
Salaries and employee benefits	[6]	9,292		8,808		24,753		26,710
Premises and occupancy		1,286		1,255		3,905		3,829
Operating and administrative expenses		2,422		2,376		6,921		10,847	[7]
Total non-interest expense		13,000		12,439		35,579		41,386
Income (loss) before income taxes		(340)		2,400		4,867		3,257
Provision (benefit) for income taxes	[8]	(189)		667		1,237		2,526	[9]
Net income (loss)		(151)		1,733		3,630		731
Total assets, end of period		1,119,395		1,176,602		1,119,395		1,176,602		$ 1,175,549
Loan servicing and other fees
Non-interest income:
Total non-interest income	[2]	262	[10]	493	[11]	863	[12]	1,173	[13]
Provident Bank
Net interest income		9,431		8,750		27,956		25,517
Provision (recovery) for loan losses		74		(505)		(475)		(347)
Net interest income, after provision (recovery) for loan losses		9,357		9,255		28,431		25,864
Non-interest income:
Gain (loss) on sale of loans, net		(1)	[1]	(1)	[4]	33	[3]	21	[5]
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net		2		(19)		(4)		(81)
Other		223		238		573		701
Total non-interest income		1,171		1,432		3,337		3,858
Non-interest expense:
Salaries and employee benefits		5,002		4,763		14,138		13,714
Premises and occupancy		847		842		2,652		2,491
Operating and administrative expenses		1,314		1,050		3,307		4,490	[7]
Total non-interest expense		7,163		6,655		20,097		20,695
Income (loss) before income taxes		3,365		4,032		11,671		9,027
Provision (benefit) for income taxes		907		1,252		3,249		4,595	[9]
Net income (loss)		2,458		2,780		8,422		4,432
Total assets, end of period		1,088,716		1,086,437		1,088,716		1,086,437
Provident Bank | Loan servicing and other fees
Non-interest income:
Total non-interest income		103	[10]	313	[11]	87	[12]	468	[13]
Provident Bank | Deposit account fees
Non-interest income:
Total non-interest income		471		529		1,485		1,623
Provident Bank | Card and processing fees
Non-interest income:
Total non-interest income		373		372		1,163		1,126
Provident Bank Mortgage
Net interest income		181		374		844		1,476
Provision (recovery) for loan losses		(70)		0		25		0
Net interest income, after provision (recovery) for loan losses		251		374		819		1,476
Non-interest income:
Gain (loss) on sale of loans, net		1,720	[1]	3,598	[4]	7,081	[3]	12,740	[5]
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net		0		0		0		0
Other		2		0		2		0
Total non-interest income		1,881		3,778		7,859		13,445
Non-interest expense:
Salaries and employee benefits		4,290		4,045		10,615		12,996
Premises and occupancy		439		413		1,253		1,338
Operating and administrative expenses		1,108		1,326		3,614		6,357	[7]
Total non-interest expense		5,837		5,784		15,482		20,691
Income (loss) before income taxes		(3,705)		(1,632)		(6,804)		(5,770)
Provision (benefit) for income taxes		(1,096)		(585)		(2,012)		(2,069)	[9]
Net income (loss)		(2,609)		(1,047)		(4,792)		(3,701)
Total assets, end of period		30,679		90,165		30,679		90,165
Provident Bank Mortgage | Loan servicing and other fees
Non-interest income:
Total non-interest income		159	[10]	180	[11]	776	[12]	776	[13]
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 $17 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 $37 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 $44 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 $182 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 $1.5 million of costs associated with staff reductions in mortgage banking operations during the quarter and nine months ended March 31, 2019.
[7]	Includes $3.4 million of litigation settlement expense for the first nine months of fiscal 2018, of which $2.1 million was allocated to PBM.
[8]	Includes a net tax charge of $1.9 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the nine months ended March 31, 2018.
[9]	Includes a net tax charge of $1.9 million resulting from the revaluation of net deferred tax assets consistent with the Tax Cuts and Jobs Act for the nine months ended December 31, 2017.
[10]	Includes an inter-company charge of $2 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 $222 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 $428 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.
[13]	Includes an inter-company charge of $561 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.

Operating Segment Reports (De_2

Operating Segment Reports (Detail Textuals)		3 Months Ended		9 Months Ended
		Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)	Mar. 31, 2019USD ($)Segment	Mar. 31, 2018USD ($)Segment
Segment Reporting Information [Line Items]
Litigation settlement expense					$ 3,400,000
Revaluation of net deferred tax assets					1,900,000
Salaries and employee benefits expenses	[1]	$ 9,292,000	$ 8,808,000	$ 24,753,000	26,710,000
Premises and occupancy expenses		1,286,000	1,255,000	3,905,000	3,829,000
Equipment expenses		417,000	442,000	$ 1,333,000	$ 1,179,000
Provident Bank Mortgage
Segment Reporting Information [Line Items]
Number of operating segments | Segment				2	2
Payments for origination of mortgage loans held-for-sale		2,000	222,000	$ 428,000	$ 561,000
Servicing fees on loans sold		17,000	44,000	37,000	182,000
Litigation settlement expense					2,100,000
Exit cost				1,600,000
Salaries and employee benefits expenses		4,290,000	4,045,000	10,615,000	12,996,000
Premises and occupancy expenses		$ 439,000	$ 413,000	1,253,000	$ 1,338,000
Equipment expenses				13,000
Provident Bank Mortgage | Minimum
Segment Reporting Information [Line Items]
Exit cost				3,600,000
Provident Bank Mortgage | Maximum
Segment Reporting Information [Line Items]
Exit cost				$ 4,000,000
[1]	Includes $1.5 million of costs associated with staff reductions in mortgage banking operations during the quarter and nine months ended March 31, 2019.

Investment Securities (Details)

Investment Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2019		Jun. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 102,510		$ 87,813
Gross Unrealized Gains	728		203
Gross Unrealized (Losses)	(182)		(777)
Estimated Fair Value	103,056		87,239
Carrying Value	102,510		87,813
U.S. government sponsored enterprise MBS
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	99,193	[1]	84,227
Gross Unrealized Gains	728	[1]	203
Gross Unrealized (Losses)	(163)	[1]	(762)
Estimated Fair Value	99,758	[1]	83,668
Carrying Value	99,193	[1]	84,227
U.S. SBA securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	2,917	[2]	2,986
Gross Unrealized Gains	0	[2]	0
Gross Unrealized (Losses)	(19)	[2]	(15)
Estimated Fair Value	2,898	[2]	2,971
Carrying Value	2,917	[2]	2,986
Certificate of deposits
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	400		600
Gross Unrealized Gains	0		0
Gross Unrealized (Losses)	0		0
Estimated Fair Value	400		600
Carrying Value	$ 400		$ 600
[1]	Mortgage-Backed Securities ("MBS").
[2]	Small Business Administration ("SBA").

Investment Securities (Details

Investment Securities (Details 1) - USD ($) $ in Thousands	Mar. 31, 2019		Jun. 30, 2018
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 6,080		$ 7,220
Gross Unrealized Gains	214		276
Gross Unrealized (Losses)	0		0
Estimated Fair Value	6,294		7,496
Carrying value	6,294		7,496
U.S. government agency MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,677		4,234
Gross Unrealized Gains	119		150
Gross Unrealized (Losses)	0		0
Estimated Fair Value	3,796		4,384
Carrying value	3,796		4,384
U.S. government sponsored enterprise MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,107		2,640
Gross Unrealized Gains	91		122
Gross Unrealized (Losses)	0		0
Estimated Fair Value	2,198		2,762
Carrying value	2,198		2,762
Private issue CMO
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	296	[1]	346
Gross Unrealized Gains	4	[1]	4
Gross Unrealized (Losses)	0	[1]	0
Estimated Fair Value	300	[1]	350
Carrying value	$ 300	[1]	$ 350
[1]	Collateralized Mortgage Obligations ("CMO").

Investment Securities (Detail_2

Investment Securities (Details 2) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Investments, Debt and Equity Securities [Abstract]
Amortized Cost	$ 108,590	$ 95,033
Gross Unrealized Gains	942	479
Gross Unrealized (Losses)	(182)	(777)
Estimated Fair Value	109,350	94,735
Carrying Value	$ 108,804	$ 95,309

Investment Securities (Detail_3

Investment Securities (Details 3) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	$ 2,892	$ 50,009
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	19	777
Unrealized Holding Losses 12 Months or More, Fair Value	26,758	0
Unrealized Holding Losses 12 Months or More, Unrealized Losses	163	0
Unrealized Holding Losses Total, Fair Value	29,650	50,009
Unrealized Holding Losses Total, Unrealized Losses	182	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	26,758	0
Unrealized Holding Losses 12 Months or More, Unrealized Losses	163	0
Unrealized Holding Losses Total, Fair Value	26,758	47,045
Unrealized Holding Losses Total, Unrealized Losses	163	762
U.S. SBA securities
Schedule of Held-to-maturity Securities [Line Items]
Unrealized Holding Losses Less Than 12 Months, Fair Value	2,892	2,964
Unrealized Holding Losses Less Than 12 Months, Unrealized Losses	19	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	2,892	2,964
Unrealized Holding Losses Total, Unrealized Losses	$ 19	$ 15

Investment Securities (Detail_4

Investment Securities (Details 4) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Held to maturity, Amortized Cost
Due in one year or less	$ 200	$ 600
Due after one through five years	35,345	24,961
Due after five through ten years	38,691	22,847
Due after ten years	28,274	39,405
Total investment securities - held to maturity, Amortized Cost	102,510	87,813
Held to maturity, Estimated Fair Value
Due in one year or less	200	600
Due after one through five years	35,259	24,569
Due after five through ten years	39,126	22,477
Due after ten years	28,471	39,593
Total investment securities - held to maturity, Estimated Fair Value	$ 103,056	$ 87,239

Investment Securities (Detail_5

Investment Securities (Details 5) - USD ($) $ in Thousands	Mar. 31, 2019	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	6,080	7,220
Total investment securities - available for sale, Amortized Cost	6,080	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	6,294	7,496
Total investment securities - available for sale, Estimated Fair Value	$ 6,294	$ 7,496

Investment Securities (Detail T

Investment Securities (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018	Jun. 30, 2018
Debt Securities, Available-for-sale [Line Items]
Principal payments from investment securities available for sale	$ 8,600	$ 7,400	$ 25,200	$ 19,100
Investments with an unrealized loss position	182		182		$ 777
Unrealized holding losses, 12 months or more	163		163		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	26,200	$ 12,400	39,700	50,900
Investments with an unrealized loss position	163		163		762
Unrealized holding losses, 12 months or more	163		163		0
U.S. SBA securities
Debt Securities, Available-for-sale [Line Items]
Payments to acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity				$ 3,000
Investments with an unrealized loss position	19		19		15
Unrealized holding losses, 12 months or more	$ 0		$ 0		$ 0

Loans Held for Investment (Deta

Loans Held for Investment (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		$ 884,913		$ 904,492	$ 896,019
Advance payments of escrows		225		18
Deferred loan costs, net		5,496		5,560
Allowance for loan losses		(7,080)	$ (7,061)	(7,385)	$ (7,531)	$ (8,075)	$ (8,039)
Total loans held for investment, net		883,554		902,685
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		314,824		314,808
Mortgage loans, Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		449,812		476,008
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross		115,355		109,726
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	[1]	4,139		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]	483		500
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment, gross	[3]	$ 133		$ 109
[1]	Net of $6.1 million and $4.3 million of undisbursed loan funds as of March 31, 2019 and June 30, 2018, respectively
[2]	Net of $950 and $495 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.
[3]	Net of $481 and $503 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.

Loans Held for Investment (Pare

Loans Held for Investment (Parentheticals) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Undisbursed loan funds	$ 6,100	$ 4,300
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Undisbursed loan funds	950	495
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Undisbursed loan funds	$ 481	$ 503

Loans Held for Investment (De_2

Loans Held for Investment (Details 1) - USD ($) $ in Thousands		Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		$ 14,017	$ 14,017
Total loans held for investment, gross		884,913	904,492	$ 896,019
Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		273,841
After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		233,087
After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		284,710
After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		79,258
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		12,215	12,215
Total loans held for investment, gross		314,824	314,808
Mortgage loans, Single-family | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		100,302
Mortgage loans, Single-family | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		37,514
Mortgage loans, Single-family | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		102,300
Mortgage loans, Single-family | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		62,493
Mortgage loans, Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		194	194
Total loans held for investment, gross		449,812	476,008
Mortgage loans, Multi-family | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		125,503
Mortgage loans, Multi-family | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		162,437
Mortgage loans, Multi-family | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		145,968
Mortgage loans, Multi-family | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		15,710
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		475	475
Total loans held for investment, gross		115,355	109,726
Mortgage loans, Commercial real estate | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		44,247
Mortgage loans, Commercial real estate | After One Year Through 3 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		33,136
Mortgage loans, Commercial real estate | After 3 Years Through 5 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		36,442
Mortgage loans, Commercial real estate | After 5 Years Through 10 Years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		1,055
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Fixed Rate		558	558
Total loans held for investment, gross	[1]	4,139	3,174
Mortgage loans, Construction | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		3,581
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	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		408	408
Total loans held for investment, gross	[2]	483	500
Commercial business loans | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		75
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	0
Total loans held for investment, gross	[3]	133	$ 109
Consumer loans | Within One Year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, Adjustable Rate		133
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 $6.1 million and $4.3 million of undisbursed loan funds as of March 31, 2019 and June 30, 2018, respectively
[2]	Net of $950 and $495 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.
[3]	Net of $481 and $503 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.

Loans Held for Investment (De_3

Loans Held for Investment (Details 2) - USD ($) $ in Thousands		Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018
Total loans held for investment, gross		$ 884,913	$ 904,492	$ 896,019
Pass
Total loans held for investment, gross		869,809	889,346
Special Mention
Total loans held for investment, gross		7,232	7,435
Substandard
Total loans held for investment, gross		7,872	7,711
Single-family
Total loans held for investment, gross		314,824	314,808
Single-family | Pass
Total loans held for investment, gross		304,403	304,619
Single-family | Special Mention
Total loans held for investment, gross		3,347	2,548
Single-family | Substandard
Total loans held for investment, gross		7,074	7,641
Multi-family
Total loans held for investment, gross		449,812	476,008
Multi-family | Pass
Total loans held for investment, gross		445,927	472,061
Multi-family | Special Mention
Total loans held for investment, gross		3,885	3,947
Multi-family | Substandard
Total loans held for investment, gross		0	0
Commercial Real Estate
Total loans held for investment, gross		115,355	109,726
Commercial Real Estate | Pass
Total loans held for investment, gross		115,355	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
Construction
Total loans held for investment, gross	[1]	4,139	3,174
Construction | Pass
Total loans held for investment, gross		3,394	3,174
Construction | Special Mention
Total loans held for investment, gross		0	0
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	0
Other Mortgage | Substandard
Total loans held for investment, gross		0	0
Commercial Business
Total loans held for investment, gross	[2]	483	500
Commercial Business | Pass
Total loans held for investment, gross		430	430
Commercial Business | Special Mention
Total loans held for investment, gross		0	0
Commercial Business | Substandard
Total loans held for investment, gross		53	70
Consumer
Total loans held for investment, gross	[3]	133	109
Consumer | Pass
Total loans held for investment, gross		133	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 $6.1 million and $4.3 million of undisbursed loan funds as of March 31, 2019 and June 30, 2018, respectively
[2]	Net of $950 and $495 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.
[3]	Net of $481 and $503 of undisbursed lines of credit as of March 31, 2019 and June 30, 2018, respectively.

Loans Held for Investment (De_4

Loans Held for Investment (Details 3) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	$ 6,948		$ 7,228	$ 7,355
Total individually evaluated allowance	132		157	176
Total loan loss allowance	7,080	$ 7,061	7,385	7,531	$ 8,075	$ 8,039
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	2,514		2,632	2,960
Total individually evaluated allowance	123		151	161
Total loan loss allowance	2,637	2,679	2,783	3,121	3,303	3,601
Mortgage loans, Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	3,300		3,492	3,312
Total individually evaluated allowance	0			0
Total loan loss allowance	3,300	3,280	3,492	3,312	3,295	3,420
Mortgage loans, Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	1,042		1,030	966
Total individually evaluated allowance	0			0
Total loan loss allowance	1,042	1,019	1,030	966	933	879
Mortgage loans, Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	63		47	94
Total individually evaluated allowance	0			0
Total loan loss allowance	63	48	47	94	504	96
Mortgage loans other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	3		3
Total individually evaluated allowance	0
Total loan loss allowance	3	3	3
Commercial business loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	18		18	16
Total individually evaluated allowance	9		6	15
Total loan loss allowance	27	26	24	31	32	36
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total collectively evaluated allowance	8		6	7
Total individually evaluated allowance	0			0
Total loan loss allowance	$ 8	$ 6	$ 6	$ 7	$ 8	$ 7

Loans Held for Investment (De_5

Loans Held for Investment (Details 4) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 7,061	$ 8,075	$ 7,385	$ 8,039
Provision (recovery) for loan losses	4	(505)	(450)	(347)
Total recoveries	23	71	179	203
Total charge-offs	(8)	(110)	(34)	(364)
Net (charge-offs) recoveries	15	(39)	145	(161)
Balance, end of the period	$ 7,080	$ 7,531	$ 7,080	$ 7,531
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.79%	0.84%	0.79%	0.84%
Net charge-offs (recoveries) as a percentage of average loans receivable, net, during the period (annualized)	(0.01%)	0.02%	(0.02%)	0.02%
Mortgage loans, Single-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 2,679	$ 3,303	$ 2,783	$ 3,601
Provision (recovery) for loan losses	(58)	(143)	(292)	(319)
Total recoveries	22	71	177	203
Total charge-offs	(6)	(110)	(31)	(364)
Balance, end of the period	$ 2,637	$ 3,121	$ 2,637	$ 3,121
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.84%	0.98%	0.84%	0.98%
Mortgage loans, Multi-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 3,280	$ 3,295	$ 3,492	$ 3,420
Provision (recovery) for loan losses	20	17	(192)	(108)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 3,300	$ 3,312	$ 3,300	$ 3,312
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%
Mortgage loans, Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 1,019	$ 933	$ 1,030	$ 879
Provision (recovery) for loan losses	23	33	12	87
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 1,042	$ 966	$ 1,042	$ 966
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%
Mortgage loans, Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 48	$ 504	$ 47	$ 96
Provision (recovery) for loan losses	15	(410)	16	(2)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 63	$ 94	$ 63	$ 94
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	1.52%	1.77%	1.52%	1.77%
Mortgage loans other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 3		$ 3
Provision (recovery) 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	$ 26	$ 32	$ 24	$ 36
Provision (recovery) for loan losses	1	(1)	3	(5)
Total recoveries	0	0	0	0
Total charge-offs	0	0	0	0
Balance, end of the period	$ 27	$ 31	$ 27	$ 31
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	5.59%	6.89%	5.59%	6.89%
Consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 6	$ 8	$ 6	$ 7
Provision (recovery) for loan losses	3	(1)	3	0
Total recoveries	1	0	2	0
Total charge-offs	(2)	0	(3)	0
Balance, end of the period	$ 8	$ 7	$ 8	$ 7
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	6.02%	5.38%	6.02%	5.38%

Loans Held for Investment (De_6

Loans Held for Investment (Details 5) - USD ($) $ in Thousands		Mar. 31, 2019	Jun. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		$ 877,842	$ 897,476
30-89 Days Past Due		699	805
Non-Accrual	[1]	6,372	6,211
Total Loans Held for Investment, Gross		884,913	904,492
Mortgage loans, Single-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		308,554	307,863
30-89 Days Past Due		696	804
Non-Accrual	[1]	5,574	6,141
Total Loans Held for Investment, Gross		314,824	314,808
Mortgage loans, Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		449,812	476,008
30-89 Days Past Due		0	0
Non-Accrual	[1]	0	0
Total Loans Held for Investment, Gross		449,812	476,008
Mortgage loans, Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		115,355	109,726
30-89 Days Past Due		0	0
Non-Accrual	[1]	0	0
Total Loans Held for Investment, Gross		115,355	109,726
Mortgage loans, Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		3,394	3,174
30-89 Days Past Due		0	0
Non-Accrual	[1]	745	0
Total Loans Held for Investment, Gross		4,139	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	[1]	0	0
Total Loans Held for Investment, Gross		167	167
Commercial business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		430	430
30-89 Days Past Due		0	0
Non-Accrual	[1]	53	70
Total Loans Held for Investment, Gross		483	500
Consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		130	108
30-89 Days Past Due		3	1
Non-Accrual	[1]	0	0
Total Loans Held for Investment, Gross		$ 133	$ 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		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018	Jun. 30, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 7,061	$ 8,075	$ 7,385	$ 8,039
Provision (recovery) for loan losses	4	(505)	(450)	(347)
Recoveries	23	71	179	203
Charge-offs	(8)	(110)	(34)	(364)
Balance, end of the period	7,080	7,531	7,080	7,531
Allowance for loan losses:
Individually evaluated for impairment	132	176	132	176	$ 157
Collectively evaluated for impairment	6,948	7,355	6,948	7,355	7,228
Loans held for investment:
Individually evaluated for impairment	6,802	8,002	6,802	8,002
Collectively evaluated for impairment	878,111	888,017	878,111	888,017
Total loans held for investment, gross	$ 884,913	$ 896,019	$ 884,913	$ 896,019	904,492
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.79%	0.84%	0.79%	0.84%
Mortgage loans, Single-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 2,679	$ 3,303	$ 2,783	$ 3,601
Provision (recovery) for loan losses	(58)	(143)	(292)	(319)
Recoveries	22	71	177	203
Charge-offs	(6)	(110)	(31)	(364)
Balance, end of the period	2,637	3,121	2,637	3,121
Allowance for loan losses:
Individually evaluated for impairment	123	161	123	161	151
Collectively evaluated for impairment	2,514	2,960	2,514	2,960	2,632
Loans held for investment:
Individually evaluated for impairment	6,004	7,929	6,004	7,929
Collectively evaluated for impairment	308,820	308,983	308,820	308,983
Total loans held for investment, gross	$ 314,824	$ 316,912	$ 314,824	$ 316,912
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	0.84%	0.98%	0.84%	0.98%
Mortgage loans, Multi-family
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 3,280	$ 3,295	$ 3,492	$ 3,420
Provision (recovery) for loan losses	20	17	(192)	(108)
Recoveries	0	0	0	0
Charge-offs	0	0	0	0
Balance, end of the period	3,300	3,312	3,300	3,312
Allowance for loan losses:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	3,300	3,312	3,300	3,312	3,492
Loans held for investment:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	449,812	466,266	449,812	466,266
Total loans held for investment, gross	$ 449,812	$ 466,266	$ 449,812	$ 466,266
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%
Mortgage loans, Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 1,019	$ 933	$ 1,030	$ 879
Provision (recovery) for loan losses	23	33	12	87
Recoveries	0	0	0	0
Charge-offs	0	0	0	0
Balance, end of the period	1,042	966	1,042	966
Allowance for loan losses:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	1,042	966	1,042	966	1,030
Loans held for investment:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	115,355	106,937	115,355	106,937
Total loans held for investment, gross	$ 115,355	$ 106,937	$ 115,355	$ 106,937
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%
Mortgage loans, Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 48	$ 504	$ 47	$ 96
Provision (recovery) for loan losses	15	(410)	16	(2)
Recoveries	0	0	0	0
Charge-offs	0	0	0	0
Balance, end of the period	63	94	63	94
Allowance for loan losses:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	63	94	63	94	47
Loans held for investment:
Individually evaluated for impairment	745	0	745	0
Collectively evaluated for impairment	3,394	5,324	3,394	5,324
Total loans held for investment, gross	$ 4,139	$ 5,324	$ 4,139	$ 5,324
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	1.52%	1.77%	1.52%	1.77%
Mortgage loans other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 3		$ 3
Provision (recovery) for loan losses	0		0
Recoveries	0		0
Charge-offs	0		0
Balance, end of the period	3		3
Allowance for loan losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	3		3		3
Loans held for investment:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	167		167
Total loans held for investment, gross	$ 167		$ 167
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	$ 26	$ 32	$ 24	$ 36
Provision (recovery) for loan losses	1	(1)	3	(5)
Recoveries	0	0	0	0
Charge-offs	0	0	0	0
Balance, end of the period	27	31	27	31
Allowance for loan losses:
Individually evaluated for impairment	9	15	9	15	6
Collectively evaluated for impairment	18	16	18	16	18
Loans held for investment:
Individually evaluated for impairment	53	73	53	73
Collectively evaluated for impairment	430	377	430	377
Total loans held for investment, gross	$ 483	$ 450	$ 483	$ 450
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	5.59%	6.89%	5.59%	6.89%
Consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 6	$ 8	$ 6	$ 7
Provision (recovery) for loan losses	3	(1)	3	0
Recoveries	1	0	2	0
Charge-offs	(2)	0	(3)	0
Balance, end of the period	8	7	8	7
Allowance for loan losses:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	8	7	8	7	$ 6
Loans held for investment:
Individually evaluated for impairment	0	0	0	0
Collectively evaluated for impairment	133	130	133	130
Total loans held for investment, gross	$ 133	$ 130	$ 133	$ 130
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period	6.02%	5.38%	6.02%	5.38%

Loans Held for Investment (De_8

Loans Held for Investment (Details 7) - USD ($) $ in Thousands		Mar. 31, 2019	Jun. 30, 2018
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance		$ 6,947	$ 6,972
Related Charge-Offs		(539)	(724)
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment		6,408	6,248
Related Allowance	[1]	(293)	(191)
Recorded Investment, Net of Allowance		6,115	6,057
Mortgage loans, Single-family
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With a related allowance Unpaid Principal Balance		1,813	1,333
Without a related allowance, Unpaid Principal Balance	[2]	4,336	5,569
Unpaid Principal Balance		6,149	6,902
With Related Allowance, Related Charge-Offs		0	0
With No Related Allowance, Related Charge-Offs	[2]	(539)	(724)
Related Charge-Offs		(539)	(724)
Impaired Financing Receivable, Recorded Investment [Abstract]
With Related Allowance, Recorded Investment		1,813	1,333
With No Related Allowance, Recorded Investment	[2]	3,797	4,845
Recorded Investment		5,610	6,178
Related Allowance	[1]	(284)	(185)
Recorded Investment, with Related Allowance, Net		1,529	1,148
Recorded Investment, with No Related Allowance, Net	[2]	3,797	4,845
Recorded Investment, Net of Allowance		5,326	5,993
Mortgage loans, Construction
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Without a related allowance, Unpaid Principal Balance	[3]	745
Unpaid Principal Balance		745
With No Related Allowance, Related Charge-Offs	[3]	0
Related Charge-Offs		0
Impaired Financing Receivable, Recorded Investment [Abstract]
With No Related Allowance, Recorded Investment	[3]	745
Recorded Investment		745
Related Allowance	[1]	0
Recorded Investment, with No Related Allowance, Net	[3]	745
Recorded Investment, Net of Allowance		745
Commercial business loans
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With a related allowance Unpaid Principal Balance		53	70
Unpaid Principal Balance		53	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		53	70
Recorded Investment		53	70
Related Allowance	[1]	(9)	(6)
Recorded Investment, with Related Allowance, Net		44	64
Recorded Investment, Net of Allowance		$ 44	$ 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		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment	$ 3,530	$ 6,397	$ 4,149	$ 7,318
With related allowances, Average Recorded Investment	2,895	1,244	2,527	814
Average Recorded Investment	6,425	7,641	6,676	8,132
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized	0	49	229	197
With related allowances, Interest Income Recognized	30	21	92	43
Interest Income Recognized	30	70	321	240
Mortgage loans, Single-family
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment	2,785	6,397	3,570	7,296
With related allowances, Average Recorded Investment	2,841	1,170	2,466	738
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized	0	49	229	184
With related allowances, Interest Income Recognized	29	20	89	39
Mortgage loans, Construction
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment	745	0	579	0
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized	0	0	0	0
Commercial business loans
Impaired Financing Receivable, Average Recorded Investment [Abstract]
With related allowances, Average Recorded Investment	54	74	61	76
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
With related allowances, Interest Income Recognized	$ 1	$ 1	3	4
Commercial Real Estate
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Without related allowances, Average Recorded Investment			0	22
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]
Without related allowances, Interest Income Recognized			$ 0	$ 13

Loans Held for Investment (D_10

Loans Held for Investment (Details 9) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	$ 2,713	$ 3,392
Restructured loans on accrual status	1,865	1,788
Restructured loans	4,578	5,180	$ 2,200
Mortgage loans, Single-family
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	2,669	3,328
Restructured loans on accrual status	1,865	1,788
Commercial business loans
Financing Receivable, Modifications [Line Items]
Restructured loans on non-accrual status	$ 44	$ 64

Loans Held for Investment (D_11

Loans Held for Investment (Details 10) - USD ($) $ in Thousands		Mar. 31, 2019	Jun. 30, 2018
Financing Receivable, Impaired [Line Items]
Restructured Loans, Unpaid Principal Balance		$ 5,078	$ 5,748
Restructured Loans, Related Charge-offs		(368)	(411)
Restructured Loans, Recorded Investment		4,710	5,337
Restructured Loans, Allowance for Loan Losses	[1]	(132)	(157)
Restructured loans, Net Investment		4,578	5,180
Mortgage loans, Single-family
Financing Receivable, Impaired [Line Items]
Restructured Loans, With Related Allowance, Unpaid Principal Balance		2,207	2,228
Restructured Loans, Without a Related Allowance, Unpaid Principal Balance	[2]	2,818	3,450
Restructured Loans, Unpaid Principal Balance		5,025	5,678
Restructured Loans, With Related Allowance, Related Charge-offs		0	0
Restructured Loans, Without a Related Allowance, Related Charge-offs	[2]	(368)	(411)
Restructured Loans, Related Charge-offs		(368)	(411)
Restructured Loans, With a Related Allowance, Recorded Investment		2,207	2,228
Restructured Loans, Without a Related Allowance, Recorded Investment	[2]	2,450	3,039
Restructured Loans, Recorded Investment		4,657	5,267
Restructured Loans, Allowance for Loan Losses	[1]	(123)	(151)
Restructured loans, With a related allowance, Net Investment		2,084	2,077
Restructured Loans, Without a Related Allowance, Net Investment	[2]	2,450	3,039
Restructured loans, Net Investment		4,534	5,116
Commercial business loans
Financing Receivable, Impaired [Line Items]
Restructured Loans, With Related Allowance, Unpaid Principal Balance		53	70
Restructured Loans, Unpaid Principal Balance		53	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		53	70
Restructured Loans, Recorded Investment		53	70
Restructured Loans, Allowance for Loan Losses	[1]	(9)	(6)
Restructured loans, With a related allowance, Net Investment		44	64
Restructured loans, Net Investment		$ 44	$ 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)	9 Months Ended
	Mar. 31, 2019	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		9 Months Ended		12 Months Ended
	Mar. 31, 2019USD ($)Loan	Mar. 31, 2018USD ($)	Mar. 31, 2019USD ($)Loan	Mar. 31, 2018USD ($)Loan	Jun. 30, 2018USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average investment in non-performing loans	$ 6,425,000	$ 7,641,000	$ 6,676,000	$ 8,132,000
Interest income, non-performing loans, cash basis	63,000	121,000	458,000	466,000
Reduction in loan balances under cost recovery method	$ 33,000
Interest lost on non-performing Loans		51,000	137,000	$ 226,000
Number of modified loans | Loan	10			2	11
Restructured loans	$ 4,578,000	2,200,000	4,578,000	$ 2,200,000	$ 5,180,000
Restructured loans on accrual status	1,865,000		1,865,000		1,788,000
Restructured loans on non-accrual status	2,713,000		2,713,000		3,392,000
Interest income
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest income, non-performing loans, cash basis	30,000	$ 70,000	321,000	$ 240,000
Mortgage loans, Single-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Restructured loans on accrual status	1,865,000		1,865,000		1,788,000
Restructured loans on non-accrual status	2,669,000		2,669,000		$ 3,328,000
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commitments to lend additional funds	$ 1,200,000		$ 1,200,000
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan			1
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan	1				1
Restructured loans on accrual status	$ 440,000		$ 440,000		$ (389,000)
Special Mention | Restructured loans on accrual status
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan			1
Substandard
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)
Substandard | Restructured loans on accrual status
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of modified loans | Loan	8				9
Restructured loans on non-accrual status	$ 2,700,000		2,700,000		$ 3,400,000
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	63.00%		63.00%		56.00%

Loans Held for Investment (D_14

Loans Held for Investment (Detail Textuals 2) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2019Property	Mar. 31, 2018Property	Mar. 31, 2019Property	Mar. 31, 2018Property	Jun. 30, 2018USD ($)Property
Number of properties acquired in settlement of loans	0	2		3
Number of previously foreclosed properties sold	0	1	2	3
Southern California
Number of real estate owned properties					2
Real estate owned fair value | $					$ 906

Derivative and Other Financia_3

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Derivative [Line Items]
Total	$ 11,886	$ 14,652
Undisbursed loan funds - Construction loans
Derivative [Line Items]
Total	6,109	4,302
Undisbursed lines of credit - Commercial business loans
Derivative [Line Items]
Total	950	495
Undisbursed lines of credit - Consumer loans
Derivative [Line Items]
Total	481	503
Commitments to extend credit on loans to be held for investment
Derivative [Line Items]
Total	$ 4,346	$ 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		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	$ 7,061	$ 8,075	$ 7,385	$ 8,039
Provision (recovery)	(4)	505	450	347
Balance, end of the period	7,080	7,531	7,080	7,531
Commitments to extend credit and undisbursed funds
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of the period	150	188	157	277
Provision (recovery)	1	(29)	(6)	(118)
Balance, end of the period	$ 151	$ 159	$ 151	$ 159

Derivative and Other Financia_5

Derivative and Other Financial Instruments with Off-Balance Sheet Risks (Details 2) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Derivative [Line Items]
Total net gain (loss)	$ 201	$ (15)	$ (369)	$ (936)
Commitments to extend credit on loans to be held for sale
Derivative [Line Items]
Total net gain (loss)	(264)	266	(585)	173
Mandatory loan sale commitments and TBA MBS trades
Derivative [Line Items]
Total net gain (loss)	465	(281)	216	(1,072)
Option contracts, net
Derivative [Line Items]
Total net gain (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		Mar. 31, 2019	Jun. 30, 2018
Amount
Derivative [Line Items]
Derivative financial instruments		$ (26,818)	$ (90,355)
Fair Value
Derivative [Line Items]
Derivative financial instruments		16	385
Commitments to extend credit on loans to be held for sale | Amount
Derivative [Line Items]
Derivative financial instruments	[1]	12,211	56,906
Commitments to extend credit on loans to be held for sale | Fair Value
Derivative [Line Items]
Derivative financial instruments	[1]	240	825
Best efforts loan sale commitments | Amount
Derivative [Line Items]
Derivative financial instruments		(10,212)	(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		(28,817)	(117,759)
Mandatory loan sale commitments and TBA MBS trades | Fair Value
Derivative [Line Items]
Derivative financial instruments		$ (224)	$ (440)
[1]	Net of 18.6% at March 31, 2019 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		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Summary Of Recourse Liability [Roll Forward]
Balance, beginning of the period	$ 250	$ 283	$ 283	$ 305
Recovery from recourse liability	0	0	(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		9 Months Ended
	Mar. 31, 2019USD ($)Loan	Mar. 31, 2018USD ($)Loan	Mar. 31, 2019USD ($)Loan	Mar. 31, 2018USD ($)Loan	Dec. 31, 2018USD ($)	Jun. 30, 2018USD ($)	Dec. 31, 2017USD ($)	Jun. 30, 2017USD ($)
Derivative [Line Items]
Derivative assets net amount	$ 0		$ 0			$ 0
Derivative liabilities net amount	224,000		224,000			$ 464,000
Amount of loan repurchased	$ 446,000	$ 602,000	$ 699,000	$ 602,000
Commitments estimated may not fund (percent)	18.60%		18.60%			24.70%
Number of loans repurchased | Loan	2	2	5	2
Number of fully charged off loans repurchased | Loan			2
Amount of fully charged off loans repurchased			$ (25,000)
Recovery from recourse liability	$ 0	$ 0	33,000	$ 22,000
Total recourse reserve for loans sold	250,000	$ 283,000	250,000	$ 283,000	$ 250,000	$ 283,000	$ 283,000	$ 305,000
Other Assets
Derivative [Line Items]
Derivative assets net amount	240,000		240,000			849,000
Other Liabilities
Derivative [Line Items]
Derivative liabilities net amount	224,000		224,000			464,000
Loans held for investment and loans held for sale
Derivative [Line Items]
Commitments to extend credit	$ 16,600,000		$ 16,600,000			$ 66,300,000

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Fair Value Disclosures [Abstract]
Loans held for investment, Aggregate Fair Value	$ 5,239	$ 5,234
Loans held for investment, Aggregate Unpaid Principal Balance	5,417	5,546
Loans held for investment, Net Unrealized (Loss) Gain	(178)	(312)
Loans held for sale, Aggregate Fair Value	30,500	96,298
Loans held for sale, Aggregate Unpaid Principal Balance	29,565	93,791
Loans held for sale, Net Unrealized (loss) gain	$ 935	$ 2,507

Fair Value of Financial Instr_4

Fair Value of Financial Instruments (Details 1) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment, at fair value	$ 5,239	$ 5,234
Loans held for sale, at fair value	30,500	96,298
Derivative assets	0	0
Derivative liabilities	224	464
Total liabilities	224	464
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	6,294	7,496
Loans held for investment, at fair value	5,239	5,234
Loans held for sale, at fair value	30,500	96,298
Interest-only strips	18	23
Derivative assets	240	849
Total assets	42,291	109,900
Derivative liabilities	224	464
Total liabilities	224	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	240	849
Derivative liabilities		24
Recurring | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	7	32
Recurring | TBA MBS trades
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	217	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	3,796	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	2,198	2,762
Recurring | Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities - available for sale	300	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, at 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
Recurring | Level 1 | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
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	5,994	7,146
Loans held for investment, at fair value	0	0
Loans held for sale, at fair value	30,500	96,298
Interest-only strips	0	0
Derivative assets	0	0
Total assets	36,494	103,444
Derivative liabilities	217	408
Total liabilities	217	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
Recurring | Level 2 | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
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	217	408
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	3,796	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	2,198	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	300	350
Loans held for investment, at fair value	5,239	5,234
Loans held for sale, at fair value	0	0
Interest-only strips	18	23
Derivative assets	240	849
Total assets	5,797	6,456
Derivative liabilities	7	56
Total liabilities	7	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	240	849
Derivative liabilities		24
Recurring | Level 3 | Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	7	32
Recurring | Level 3 | TBA MBS trades
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
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	$ 300	$ 350

Fair Value of Financial Instr_5

Fair Value of Financial Instruments (Details 2) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		$ 5,821	$ 6,294	$ 6,400	$ 7,830
Total gains or losses (realized/unrealized) Included in earnings		(180)	122	(434)	(35)
Total gains or losses (realized/unrealized) Included in other comprehensive loss		(2)	(4)	(5)	(8)
Purchases		0	0	0	0
Issuances		0	0	0	0
Settlements		(40)	(65)	(832)	(1,962)
Transfers in and/or out of Level 3		191	0	661	522
Ending balance		5,790	6,347	5,790	6,347
Private issue CMO
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		310	419	350	461
Total gains or losses (realized/unrealized) Included in earnings		0	0	0	0
Total gains or losses (realized/unrealized) Included in other comprehensive loss		1	(2)	0	(1)
Purchases		0	0	0	0
Issuances		0	0	0	0
Settlements		(11)	(22)	(50)	(65)
Transfers in and/or out of Level 3		0	0	0	0
Ending balance		300	395	300	395
Loans held-for investment, at-fair value
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	[1]	4,995	5,157	5,234	6,445
Total gains or losses (realized/unrealized) Included in earnings	[1]	87	(118)	133	(72)
Total gains or losses (realized/unrealized) Included in other comprehensive loss	[1]	0	0	0	0
Purchases	[1]	0	0	0	0
Issuances	[1]	0	0	0	0
Settlements	[1]	(34)	(43)	(789)	(1,899)
Transfers in and/or out of Level 3	[1]	191	0	661	522
Ending balance	[1]	5,239	4,996	5,239	4,996
Interest-Only Strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance		21	26	23	31
Total gains or losses (realized/unrealized) Included in earnings		0	0	0	0
Total gains or losses (realized/unrealized) Included in other comprehensive loss		(3)	(2)	(5)	(7)
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		18	24	18	24
Loan Commitments to Originate
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	[2]	504	716	825	809
Total gains or losses (realized/unrealized) Included in earnings	[2]	(264)	266	(585)	173
Total gains or losses (realized/unrealized) Included in other comprehensive 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]	240	982	240	982
Mandatory Commitments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	[3]	(9)	(24)	(32)	47
Total gains or losses (realized/unrealized) Included in earnings	[3]	(3)	(26)	18	(99)
Total gains or losses (realized/unrealized) Included in other comprehensive loss	[3]	0	0	0	0
Purchases	[3]	0	0	0	0
Issuances	[3]	0	0	0	0
Settlements	[3]	5	0	7	2
Transfers in and/or out of Level 3	[3]	0	0	0	0
Ending balance	[3]	$ (7)	(50)	$ (7)	(50)
Option contracts
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance					37
Total gains or losses (realized/unrealized) Included in earnings					(37)
Total gains or losses (realized/unrealized) Included in other comprehensive 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	Mar. 31, 2019	Jun. 30, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	$ 6,115	$ 6,057
Mortgage servicing assets	456	135
Real estate owned, net	0	906
Total	6,571	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	4,541	4,845
Mortgage servicing assets	0	0
Real estate owned, net	0	906
Total	4,541	5,751
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Non-performing loans	1,574	1,212
Mortgage servicing assets	456	135
Real estate owned, net	0	0
Total	$ 2,030	$ 1,347

Fair Value of Financial Instr_7

Fair Value of Financial Instruments (Details 4) - Level 3 $ in Thousands	9 Months Ended
	Mar. 31, 2019USD ($)
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	0.015%	[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	102.30%	[2],[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	105.70%	[2],[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	103.90%	[2],[3]
Commitments to extend credit on loans to be held for investment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 240
Private issue CMO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 300
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	1.20%	[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	1.30%	[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	1.20%	[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	$ 5,239
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	98.30%	[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	105.20%	[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	101.10%	[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	4.30%	[3]
Non-performing loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 703
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	$ 456
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	9.70%	[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	21.70%	[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	$ 18
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	18.70%	[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	35.90%	[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	34.30%	[3]
Mandatory loan sale commitments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Liabilities, fair value	$ 7
Non-performing loans one
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 871
Non-performing loans one | Relative value analysis | Loss severity
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]
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	21.30%	[3]
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]
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]
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	99.00%	[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	18.50%	[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	103.40%	[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	19.10%	[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]
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	18.60%	[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	Mar. 31, 2019	Jun. 30, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	$ 102,510	$ 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	103,056	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	857,399	873,112
FHLB - San Francisco stock	0	0
Deposits	847,875	877,641
Borrowings	101,274	123,778
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	102,510	87,813
Loans held for investment, not recorded at fair value	878,315	897,451
FHLB - San Francisco stock	8,199	8,199
Deposits	876,884	907,598
Borrowings	101,121	126,163
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities - held to maturity	103,056	87,239
Loans held for investment, not recorded at fair value	857,399	873,112
FHLB - San Francisco stock	8,199	8,199
Deposits	847,875	877,641
Borrowings	$ 101,274	$ 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	9 Months Ended
	Mar. 31, 2019USD ($)$ / sharesshares	Mar. 31, 2019USD ($)$ / sharesshares
Shares:
Outstanding, Beginning of Period | shares	509,000	529,000
Granted | shares	0	0
Exercised | shares	(11,250)	(31,250)
Forfeited | shares	0	0
Outstanding, End of Period | shares	497,750	497,750
Vested and expected to vest at March 31, 2019 | shares	495,150	495,150
Exercisable at March 31, 2019 | shares	484,750	484,750
Weighted-Average Exercise Price (in dollars per share):
Outstanding, Beginning of Period | $ / shares	$ 12.83	$ 12.77
Granted | $ / shares	0	0
Exercised | $ / shares	14.59	12.49
Forfeited | $ / shares	0	0
Outstanding, End of Period | $ / shares	12.79	12.79
Vested and expected to vest at March 31, 2019 | $ / shares	12.75	12.75
Exercisable at March 31, 2019 | $ / shares	$ 12.6	$ 12.6
Weighted- Average Remaining Contractual Term (Years):
Outstanding at year end	4 years 6 months 11 days	4 years 6 months 11 days
Vested and expected to vest at March 31, 2019	4 years 6 months 7 days	4 years 6 months 7 days
Exercisable at March 31, 2019	4 years 5 months 12 days	4 years 5 months 12 days
Aggregate Intrinsic Value ($000):
Outstanding at year end | $	$ 3,551	$ 3,551
Vested and expected to vest at March 31, 2019 | $	3,550	3,550
Exercisable at March 31, 2019 | $	$ 3,546	$ 3,546

Incentive Plan - Summary of Unv

Incentive Plan - Summary of Unvested restricted stock activity (Details 1) - Restricted Stock - Equity Incentive Plans - $ / shares	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Shares
Unvested, Beginning of Period	12,000		98,500
Granted	0	0	0	0
Vested	(3,000)	(10,500)	(89,500)	(10,500)
Forfeited	0	0	0	(2,000)
Unvested, End of Period	9,000		9,000
Expected to vest at March 31, 2019	7,200		7,200
Weighted-Average Award Date Fair Value
Unvested, Beginning of Period	$ 18.31		$ 14.35
Granted	0		0
Vested	18.9		13.97
Forfeited	0		0
Unvested, End of Period	18.11		18.11
Expected to vest at December 31, 2018	$ 18.11		$ 18.11

Incentive Plans (Detail Textual

Incentive Plans (Detail Textuals) - USD ($)	3 Months Ended		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018	Jun. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 37,000	$ 292,000	$ 767,000	$ 816,000
Income tax (deficit) benefit recognized from non-qualified equity compensation	$ (10,000)	$ 186,000	$ 114,000	$ 206,000
Treasury stock, Shares used to fund Equity Incentive Plans for restricted stock	10,567,008		10,567,008		10,611,689
Equity Incentive Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options, Exercised	11,250		31,250
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]
Maximum term for stock awards			10 years
Term used to calculate expected volatility			84 months
Stock options, Exercised	11,250	56,500	31,250	83,750
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	$ 68,000	$ 503,000	$ 68,000	$ 503,000
Share-based compensation cost not yet recognized, weighted average period for recognition (less than)			1 year 6 months	1 year
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	185,000		185,000
Annual limitation on awards granted to an individual under Equity Incentive Plan			27,750
Restricted Stock | Equity Incentive Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
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 6 months	1 year 2 months 12 days
Forfeiture rate for equity incentive plans			20.00%	20.00%
Restricted stock, grants in period	0	0	0	0
Restricted stock, Forfeited	0	0	0	2,000
Restricted stock, Vesting and distribution	3,000	10,500	89,500	10,500
Unrecognized share-based compensation expense, restricted stock	$ 131,000	$ 687,000	$ 131,000	$ 687,000
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	365,000		365,000
Annual limitation on awards granted to an individual under Equity Incentive Plan			73,000
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		9 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Accumulated Other Comprehensive Income [Roll Forward]
Beginning balance	$ 169	$ 210	$ 210	$ 229
Other comprehensive loss before reclassifications	(6)	(22)	(47)	(86)
Amount reclassified from accumulated other comprehensive income	0	(2)	0	43
Net other comprehensive loss	(6)	(24)	(47)	(43)
Ending balance	163	186	163	186
Investment securities available for sale
Accumulated Other Comprehensive Income [Roll Forward]
Beginning balance	154	195	194	211
Other comprehensive loss before reclassifications	(4)	(20)	(44)	(78)
Amount reclassified from accumulated other comprehensive income	0	(2)	0	40
Net other comprehensive loss	(4)	(22)	(44)	(38)
Ending balance	150	173	150	173
Interest-only strips
Accumulated Other Comprehensive Income [Roll Forward]
Beginning balance	15	15	16	18
Other comprehensive loss before reclassifications	(2)	(2)	(3)	(8)
Amount reclassified from accumulated other comprehensive income	0	0	0	3
Net other comprehensive loss	(2)	(2)	(3)	(5)
Ending balance	$ 13	$ 13	$ 13	$ 13

Offsetting Derivative and Oth_3

Offsetting Derivative and Other Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jun. 30, 2018
Offsetting [Abstract]
Derivative Asset, Gross Amount of Recognized Assets	$ 0	$ 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	0	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	0	0
Derivative Liabilities, Gross Amount of Recognized Liabilities	224	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	224	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	$ 224	$ 464

Revenue From Contracts With C_3

Revenue From Contracts With Customers (Details) - USD ($) $ in Thousands		3 Months Ended				9 Months Ended
		Mar. 31, 2019		Mar. 31, 2018		Mar. 31, 2019		Mar. 31, 2018
Net gain on sale of loans	[2]	$ 1,719	[1]	$ 3,597	[3],[4]	$ 7,114	[3]	$ 12,761	[5]
Total non-interest income		3,052		5,210		11,196		17,303
Asset management fees
Total non-interest income		77		87		215		294
Debit card and ATM fees
Total non-interest income		395		394		1,227		1,190
Deposit related fees
Total non-interest income		484		549		1,522		1,659
Loan related fees
Total non-interest income		12		(6)		25		(42)
BOLI
Total non-interest income	[2]	47		65		140		199
Loan servicing fees
Total non-interest income	[2]	262	[6]	493	[7]	863	[8]	1,173	[9]
Other
Total non-interest income		$ 56		$ 31		$ 90		$ 69
[1]	Includes an inter-company charge of $17 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 $37 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 $44 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 $182 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 $2 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 $222 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 $428 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 $561 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.

Income Taxes (Details)

Income Taxes (Details)		12 Months Ended
		Jun. 30, 2019	Jun. 30, 2018
Schedule Of Income Tax [Line Items]
Federal Tax Rate			28.06%
State Tax Rate			10.84%
Combined Statutory Tax Rate	[1]		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	9 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Jun. 30, 2018
Income Tax Examination [Line Items]
Percentage of corporate federal tax income rate			28.06%
Discrete tax expense		$ 1.9
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	1 Months Ended
	Apr. 30, 2019$ / sharesshares
Subsequent Event [Line Items]
Dividends declared date	Apr. 30, 2019
Quarterly cash dividend declared, common stock | $ / shares	$ 0.14
Dividend, date of record	May 21, 2019
Dividends payable, date	Jun. 11, 2019
Extension of stock repurchase plan	1 year
Purchase of common stock shares	23,748
Number of shares authorized under stock repurchase plan	349,252