Jefferson Bancshares 10-Q 14 Nov 13 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	3 Months Ended
	Sep. 30, 2013	Nov. 14, 2013
Document And Entity Information	'	'
Entity Registrant Name	'JEFFERSON BANCSHARES INC	'
Entity Central Index Key	'0001222915	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--06-30	'
Is Entity a Well-known Seasoned Issuer?	'No	'
Is Entity a Voluntary Filer?	'No	'
Is Entity's Reporting Status Current?	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Par Value Per Share	$0.01	'
Entity Common Stock, Shares Outstanding	'	6,595,301
Document Fiscal Period Focus	'Q1	'
Document Fiscal Year Focus	'2014	'

Consolidated_Balance_Sheets_Un

Consolidated Balance Sheets (Unaudited) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Assets	'	'
Cash and cash equivalents	$10,601	$8,837
Interest-earning deposits	12,992	15,677
Investment securities classified as available for sale, net	100,960	96,024
Federal Home Loan Bank stock	4,735	4,735
Bank owned life insurance	7,161	7,100
Loans receivable, net of allowance for loan losses of $4,993 and $5,660	313,995	321,299
Loans held-for-sale	75	97
Premises and equipment, net	25,465	25,636
Foreclosed real estate, net	5,882	5,433
Accrued interest receivable:	'	'
Investments	339	349
Loans receivable	1,003	1,060
Deferred tax asset	10,836	10,911
Core deposit intangible	1,059	1,151
Other assets	3,462	4,719
Total Assets	498,565	503,028
Deposits	'	'
Noninterest-bearing	56,350	54,765
Interest-bearing	339,622	344,877
Repurchase agreements	916	551
Federal Home Loan Bank advances	37,418	37,626
Subordinated debentures	7,386	7,358
Other liabilities	3,557	4,826
Total liabilities	445,249	450,003
Commitments and contingent liabilities	'	'
Stockholders' equity	'	'
Preferred stock, $.01 par value; 10,000,000 shares authorized; no shares issued or outstanding	'	'
Common stock, $.01 par value; 30,000,000 shares authorized; 9,182,372 shares issued and 6,597,739 shares outstanding at September 30, 2013 and 6,601,091 shares outstanding at June 30, 2013	92	92
Additional paid-in capital	78,256	78,302
Unearned ESOP shares	-2,268	-2,376
Unearned compensation	-1,046	-1,046
Accumulated other comprehensive income	-361	-111
Retained earnings	10,159	9,661
Treasury stock, at cost (2,584,632 and 2,581,280 shares)	-31,516	-31,497
Total stockholders' equity	53,316	53,025
Total liabilities and stockholders' equity	$498,565	$503,028

Consolidated_Balance_Sheets_Un1

Consolidated Balance Sheets (Unaudited) (Parenthetical) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, except Share data, unless otherwise specified
Statement of Financial Position [Abstract]	'	'
Allowance for loan losses	$4,993	$5,660
Preferred stock, par value	$0.01	$0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Common stock, par value	$0.01	$0.01
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	9,182,372	9,182,372
Common stock, shares outstanding	6,597,739	6,601,091
Treasury stock, shares	2,584,632	2,581,280

Consolidated_Statements_of_Ear

Consolidated Statements of Earnings (Unaudited) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Interest income:	'	'
Interest on loans receivable	$4,073	$4,485
Interest on investment securities	468	410
Other interest	60	74
Total interest income	4,601	4,969
Interest expense:	'	'
Deposits	336	444
Repurchase agreements	'	1
Advances from FHLB	229	319
Subordinated debentures	80	82
Total interest expense	645	846
Net interest income	3,956	4,123
Provision for loan losses	'	300
Net interest income after provision for loan losses	3,956	3,823
Noninterest income:	'	'
Mortgage origination fee income	48	146
Service charges and fees	256	253
Gain on investments	'	4
Gain (loss) on sale of fixed assets	'	1
Gain (loss) on sale of foreclosed real estate, net	-24	-156
BOLI increase in cash value	61	60
Other	153	148
Total noninterest income	494	456
Noninterest expense:	'	'
Compensation and benefits	1,728	1,680
Occupancy expense	334	362
Equipment and data processing expense	610	599
Deposit insurance premiums	170	207
Advertising	87	50
Legal and professional services	87	106
Valuation adjustment and expenses on OREO	100	211
Amortization of intangible assets	92	106
Other	514	585
Total noninterest expense	3,722	3,906
Earnings (loss) before income taxes	728	373
Income taxes:	'	'
Current	'	8
Deferred	230	70
Total income taxes	230	78
Net earnings (loss)	$498	$295
Net earnings (loss) per share, basic	$0.08	$0.05
Net earnings (loss) per share, diluted	$0.08	$0.05

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Statement of Comprehensive Income [Abstract]	'	'
Net earnings (loss)	$498	$295
Other comprehensive income:	'	'
Unrealized holding gain (loss)	-406	362
Income tax benefit (expense)	156	-138
Comprehensive income	$248	$519

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	Common Stock	Additional Paid-in Capital	Unallocated Common Stock in ESOP	Unearned Compensation	Accumulated Other Comprehensive Income	Retained Earnings	Treasury Stock	Total
In Thousands
Balance, beginning at Jun. 30, 2012	$92	$78,571	($2,809)	($1,046)	$1,095	$8,067	($31,341)	$52,629
Net earnings	'	'	'	'	'	295	'	295
Other comprehensive income	'	'	'	'	224	'	'	224
Shares committed to be released by the ESOP	'	-84	108	'	'	'	'	24
Stock options expensed	'	2	'	'	'	'	'	1
Purchase of common stock	'	'	'	'	'	'	-6	-6
Balance, ending at Sep. 30, 2012	92	78,489	-2,701	-1,046	1,319	8,361	-31,347	53,167
Balance, beginning at Jun. 30, 2013	92	78,302	-2,376	-1,046	-111	9,661	-31,497	53,025
Net earnings	'	'	'	'	'	498	'	498
Other comprehensive income	'	'	'	'	-250	'	'	-250
Shares committed to be released by the ESOP	'	-47	108	'	'	'	'	61
Stock options expensed	'	1	'	'	'	'	'	1
Purchase of common stock	'	'	'	'	'	'	-19	-19
Balance, ending at Sep. 30, 2013	$92	$78,256	($2,268)	($1,046)	($361)	$10,159	($31,516)	$53,316

Consolidated_Statements_of_Cha1

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)	3 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Statement of Stockholders' Equity [Abstract]	'	'
Purchase of common stock, shares	3,352	2,236

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:	'	'
Net earnings	$498	$295
Adjustments to reconcile net earnings to net cash provided by (used for) operating activities:	'	'
Allocated ESOP shares	61	24
Depreciation and amortization expense	456	459
Amortization of premiums (discounts), net on investment securities	247	141
Provision for loan losses	'	300
Amortization of deferred loan fees, net	-29	-52
(Gain) loss on sale of investment securities	'	-4
(Gain) loss on sale of foreclosed real estate, net	24	156
(Gain) loss on sale of fixed assets, net	'	-1
Deferred tax expense (benefit)	230	70
Stock options expensed	1	1
Originations of mortgage loans held for sale	-1,593	-6,436
Proceeds from sale of mortgage loans	1,615	6,013
Increase in cash value of life insurance	-61	-60
Decrease (increase) in:	'	'
Accrued interest receivable	67	70
Other assets	1,257	525
Increase (decrease) in other liabilities and accrued income taxes	-1,269	214
Net cash provided by (used for) operating activities	1,504	1,715
Cash flows used for investing activities:	'	'
Loan originations, net of principal collections	6,468	7,254
Investment securities classified as available-for-sale:	'	'
Proceeds from maturities, calls and prepayments	5,310	11,468
Proceeds from sale	'	'
Purchase of securities	-10,900	-13,849
Proceeds from sale of premises and equipment	'	'
Purchase of premises and equipment	-88	-48
Proceeds from sale of (additions to) foreclosed real estate, net	265	877
Net cash provided by (used for) investing activities	1,055	5,702
Cash flows from financing activities:	'	'
Net decrease in deposits	-3,670	-16,526
Net increase (decrease) in repurchase agreements	365	266
Repayment of FHLB advances	-156	-167
Purchase of treasury stock	-19	-6
Net cash provided by (used for) financing activities	-3,480	-16,433
Net increase (decrease) in cash, cash equivalents and interest-earning deposits	-921	-9,016
Cash, cash equivalents and interest-earning deposits at beginning of period	24,514	56,693
Cash, cash equivalents and interest-earning deposits at end of period	23,593	47,677
Cash paid during period for:	'	'
Interest on deposits	331	452
Interest on borrowed funds	170	263
Interest on subordinated debentures	52	54
Income taxes	'	'
Real estate acquired in settlement of loans	$810	$2,112

Basis_of_Presentation

Basis of Presentation	3 Months Ended
	Sep. 30, 2013
Basis Of Presentation	'
Basis of Presentation	'
	(1)	Basis of Presentation
	The condensed consolidated financial statements include the accounts of Jefferson Bancshares, Inc. (the “Company” or “Jefferson Bancshares”) and its wholly-owned subsidiary, Jefferson Federal Bank (the “Bank” or “Jefferson Federal”).  The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. The results of operations for the three months ended September 30, 2013 are not necessarily indicative of the results which may be expected for the entire fiscal year or any other period. These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended June 30, 2013, which was filed with the Securities and Exchange Commission on September 30, 2013.  All dollar amounts, other than per-share amounts, are in thousands unless otherwise noted.

Principles_of_Consolidation

Principles of Consolidation	3 Months Ended
	Sep. 30, 2013
Principles Of Consolidation	'
Principles of Consolidation	'
	(2)	Principles of Consolidation
	The consolidated financial statements include the accounts of Jefferson Bancshares, Inc. and its wholly-owned subsidiary, the Bank.  All significant intercompany balances and transactions have been eliminated in consolidation.

Use_of_Estimates

Use of Estimates	3 Months Ended
	Sep. 30, 2013
Use Of Estimates	'
Use of Estimates	'
	-3	Use of Estimates
	In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the statement of condition dates and revenues and expenses for the periods shown.  Actual results could differ from the estimates and assumptions used in the consolidated financial statements.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate and deferred tax assets.

Limitation_on_Capital_Distribu

Limitation on Capital Distributions	3 Months Ended
	Sep. 30, 2013
Limitation On Capital Distributions	'
Limitation on Capital Distributions	'
	-4	Limitation on Capital Distributions
	Jefferson Federal may not pay dividends on its capital stock if its regulatory capital would thereby be reduced below the amount then required for the liquidation account established for the benefit of certain depositors of Jefferson Federal at the time of its conversion to stock form.
	Under applicable regulations, Jefferson Federal is prohibited from making any capital distributions if, after making the distribution, the Bank would have: (i) a total risk-based capital ratio of less than 8.0%; (ii) a Tier 1 risk-based capital ratio of less than 4.0%; or (iii) a leverage ratio of less than 4.0%.
	Under the banking laws of the State of Tennessee, a Tennessee chartered savings bank may not declare dividends in any calendar year in which the dividend would exceed the total of its net income for that year, combined with its retained net income for the preceding two years, without the prior approval of the Commissioner of the Tennessee Department of Financial Institutions.

Earnings_Per_Common_Share

Earnings Per Common Share	3 Months Ended
	Sep. 30, 2013
Earnings Per Common Share	'
Earnings Per Common Share	'
	-5	Earnings Per Common Share
	Earnings per common share and diluted earnings per common share have been computed on the basis of dividing net earnings by the weighted-average number of shares of common stock outstanding, exclusive of unallocated employee stock ownership plan (“ESOP”) shares.  Diluted earnings per common share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued.  Potential common shares that may be issued by the Company relate to outstanding stock options and are determined using the treasury stock method.  For the three months ended September 30, 2013, stock options to purchase 360,638 shares were not included in the computation of diluted net income per share as their effect would have been anti-dilutive.  The following table illustrates the number of weighted-average shares of common stock used in each corresponding earnings per common share calculation:
			Weighted-Average Shares
			Outstanding for the
			Three Months Ended
			September 30,
			2013		2012
	Weighted average number of common shares used in computing basic earnings per common share			6,272,957		6,261,233
	Effect of dilutive stock options			—		—
	Weighted average number of common shares and dilutive potential common shares used in computing earnings per common share assuming dilution			6,272,957		6,261,233

Accounting_for_Allowance_for_L

Accounting for Allowance for Loan Losses and Impairment of a Loan	3 Months Ended
	Sep. 30, 2013
Accounting For Allowance For Loan Losses And Impairment Of Loan	'
Accounting for Allowance for Loan Losses and Impairment of a Loan	'
		Accounting for Allowance for Loan Losses and Impairment of a Loan
	The allowance for loan and lease losses is an estimate of the losses that are inherent in the loan and lease portfolio.  The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance.  The Bank’s charge-off policy is consistent with bank regulatory standards.  Generally, loans are charged off when the loan becomes over 120 days delinquent.  Real estate acquired as a result of foreclosure is initially recorded at the lower of the amount of the loan or the fair value, less estimated selling costs. Any writedown to fair value is charged to the allowance for loan and lease losses.  Any subsequent writedown of foreclosed real estate is charged against earnings.
	The allowance consists of specific and general components.  The specific component relates to loans that are classified as doubtful, substandard or special mention.  The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors.
	In connection with assessing the allowance, we have established a systematic methodology for determining the adequacy of the allowance for loan losses.  Loans are grouped into pools based on loan type and include residential mortgage loans, multi-family loans, construction and land development loans, non-residential real estate loans (owner occupied and non-owner occupied), commercial loans, HELOC and junior lien, and consumer loans.  Commercial business loans and loans secured by commercial real estate are generally larger and involve a greater degree of risk than residential mortgage loans.  In addition, loans secured by commercial real estate are more likely to be negatively impacted by adverse conditions in the real estate market or the economy.
	Specific valuation allowances are established for impaired loans.  The Company considers a loan to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement on a timely basis.  A specific reserve represents the difference between the recorded value of the loan and either its estimated fair value less estimated disposition costs, or the net present value as determined by a discounted cash flow analysis.  On a quarterly basis, management evaluates individual loans and lending relationships which have outstanding principal balances of $250,000 or more and which are classified as either substandard, doubtful or loss according to the loan grading policy for impairment.  Troubled debt restructurings (“TDRs”) are also considered to be impaired, except for those that have been performing under the new terms for at least six consecutive months.
	A TDR occurs when the Bank grants a concession to a borrower with financial difficulties that it would not otherwise consider. The Bank has adopted the guidance and definitions found in ASU 2011-02  in determining if a borrower is experiencing financial difficulties and if a concession has been granted.  The majority of the Bank’s TDRs involve a modification involving changes in amortization terms, reductions in interest rates, interest only payments and, in limited cases, concessions to outstanding loan balances.  A TDR may be non-accruing or it may accrue interest.  A nonaccrual TDR will be returned to accruing status at such time when the borrower successfully performs under the new terms for at least six consecutive months.  The Bank’s TDRs totaled $4.6 million at September 30, 2013 compared to $9.1 million at June 30, 2013.
	The following table presents the Bank’s loans classified as TDRs by loan type and accrual status as of September 30, 2013:
			September 30, 2013
			Accrual				Non-accrual				Total
			Status				Status				TDRs
	Residential mortgage		$	958			$	—			$	958
	Multi-family			620				—				620
	Construction and land development			144				—				144
	Non-residential real estate			—				1,969				1,969
	Owner occupied			184				350				534
	Commercial			122				210				332
	HELOC and junior Lien			—				—				—
	Total		$	2,028			$	2,529			$	4,557
	The accrual of interest on all loans is discontinued at the time the loan is 90 days delinquent.  All interest accrued but not collected for loans considered impaired, placed on non-accrual or charged off is reversed against interest income.  The interest on these loans is accounted for on the cash basis or cost-recovery method until the loan is returned to accrual status.  Loans are returned to accrual status when future payments are reasonably assured.
	The evaluation of the allowance for loan and lease losses is inherently subjective, as it requires estimates that are susceptible to significant revision as more information becomes available.  The Company and the Bank are subject to periodic examination by regulatory agencies, which may require the Bank to record increases in the allowances based on the regulator’s evaluation of available information.  There can be no assurance that the Company’s or the Bank’s regulators will not require further increases to the allowances.
	The following table summarizes the activity in the allowance for loan losses for the three months ended September 30, 2013:
			Resid. Mtg				Multi-				Constr and				Non-			Owner			Comm’l				HELOC			Consumer				Total
							family				land dev.				residential			occupied							and junior
															real estate										lien
	Allowance for Credit Losses:
	Balance at June 30, 2013		$	665			$	475			$	491			$	981		$	347		$	2,481			$	168		$	52			$	5,660
	Charge Offs			(15	)			(398	)			(29	)			—			—			(315	)			—			(7	)			(764	)
	Recoveries			—				—				3				—			66			22				—			6				97
	Provision			192				(2	)			(69	)			234			42			(418	)			35			(14	)			—
	Balance at September 30, 2013		$	842			$	75			$	396			$	1,215		$	455		$	1,770			$	203		$	37			$	4,993
	Ending balance,
	Individually Evaluated		$	—			$	—			$	—			$	563		$	—		$	339			$	—		$	—			$	902
	Ending balance,
	Collectively Evaluated		$	842			$	75			$	396			$	652		$	455		$	1,431			$	203		$	37			$	4,091
	Loans:
	Balance at September 30, 2013		$	80,872			$	9,255			$	31,733			$	49,190		$	67,619		$	59,042			$	18,086		$	3,546			$	319,343
	Ending balance,
	Individually Evaluated		$	—			$	—			$	—			$	1,800		$	—		$	1,481			$	—		$	—			$	3,281
	Ending balance,
	Collectively Evaluated		$	80,872			$	9,255			$	31,733			$	47,390		$	67,619		$	57,561			$	18,086		$	3,546			$	316,062
	The following table is an aging analysis of the loan portfolio at September 30, 2013:
	30-59 days		60-89 days		90 or more		Nonaccrual		Total past		Total		Total loans receivable
	past due		past due		days past				due and		Current
					due and still accruing				nonaccrual
	Residential Mortgage		$	32			$	—			$	—			$	1,967		$	1,999		$	78,873			$	80,872
	Multi-family			—				—				—				3			3			9,252				9,255
	Construction/land development			—				—				—				968			968			30,765				31,733
	Non-residential real estate			78				—				—				2,742			2,820			46,370				49,190
	Owner occupied			203				—				—				834			1,037			66,582				67,619
	Commercial			15				—				—				1,813			1,828			57,214				59,042
	HELOC and Junior Lien			63				—				—				64			127			17,959				18,086
	Consumer			6				—				—				11			17			3,529				3,546
	Total		$	397			$	—			$	—			$	8,402		$	8,799		$	310,544			$	319,343
	The following table summarizes the credit risk profile by internally assigned grade at September 30, 2013:
		Residential Mortgage
						Multi-				Constr and				Non-			Owner			Comm’l				HELOC			Consumer				Total
						family				land dev.				residential			occupied							and Junior
														real estate										Lien
	Grade:
	Pass		$	74,133			$	8,544			$	28,073			$	39,117		$	64,695		$	56,164			$	17,571		$	3,138			$	291,435
	Watch			3,333				620				1,716				6,409			1,624			934				261			401				15,298
	Special mention			—				—				—				—			—			—				—			—				—
	Substandard			3,406				91				1,944				3,664			1,300			1,944				254			7				12,610
Doubtful			—				—				—				—			—			—				—			—				—
Loss			—				—				—				—			—			—				—			—				—
Total:		$	80,872			$	9,255			$	31,733			$	49,190		$	67,619		$	59,042			$	18,086		$	3,546			$	319,343
The following table summarizes the composition of impaired loans, the associated specific reserves, and interest income recognized on impaired loans at September 30, 2013:
		Recorded investment				Unpaid				Specific				Interest income
						principal				allowance				recognized
						balance
With an allowance recorded:
Residential mortgage		$	—			$	—			$	—			$	—
Multi-family			—				—				—				—
Construction and land development			—								—				—
Non-residential real estate			1,237				1,800				563				—
Owner occupied			—				—				—				—
Commercial			1,142				1,481				339				—
HELOC and junior lien			—				—				—				—
Consumer			—				—				—				—
Total		$	2,379			$	3,281			$	902			$	—
With no related allowance:
Residential mortgage		$	792			$	792			$	—			$	9
Multi-family			620				620				—				12
Construction and land development			1,407				1,407				—				6
Non-residential real estate			1,418				1,418				—				11
Owner occupied			810				810				—				—
Commercial			—				—				—				—
HELOC and junior lien			415				415				—				3
Consumer			—				—				—				—
Total		$	5,462			$	5,462			$	—			$	41
Total:
Residential mortgage		$	792			$	792			$	—			$	9
Multi-family			620				620				—				12
Construction and land development			1,407				1,407				—				6
Non-residential real estate			2,655				3,218				563				11
Owner occupied			810				810				—				—
Commercial			1,142				1,481				339				—
HELOC and junior lien			415				415				—				3
Consumer			—				—				—				—
Total		$	7,841			$	8,743			$	902			$	41
Average impaired loans for the three months ended September 30, 2013		$	11,590

Financial_Instruments_with_Off

Financial Instruments with Off-Balance Sheet Risk	3 Months Ended
	Sep. 30, 2013
Financial Instruments With Off-Balance Sheet Risk	'
Financial Instruments with Off-Balance Sheet Risk	'
	-7	Financial Instruments With Off-Balance Sheet Risk
	Jefferson Bancshares 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 generally include commitments to originate mortgage loans. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company’s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount and related accrued interest receivable of those instruments. The Company minimizes this risk by evaluating each borrower’s creditworthiness on a case-by-case basis. Collateral held by the Company consists of a first or second mortgage on the borrower’s property. The amount of collateral obtained is based upon an appraisal of the property.
	At September 30, 2013, we had approximately $18.6 million in commitments to extend credit, consisting of commitments to fund real estate loans.  In addition to commitments to originate loans, at September 30, 2013, we had $310,000 in unused letters of credit and approximately $29.5 million in unused lines of credit.

Dividends

Dividends	3 Months Ended
	Sep. 30, 2013
Dividends [Abstract]	'
Dividends	'
	-8	Dividends
	On February 2, 2010, the Company announced that the Board of Directors had voted to suspend the payment of the quarterly cash dividend on the Company’s common stock in an effort to conserve capital.

Stock_Incentive_Plans

Stock Incentive Plans	3 Months Ended
	Sep. 30, 2013
Stock Incentive Plans	'
Stock Incentive Plans	'
		Stock Incentive Plans
	The Company maintains stock-based benefit plans under which certain employees and directors are eligible to receive stock grants or options.  Under the 2004 Stock-Based Benefit Plan, a maximum of 279,500 shares may be granted as restricted stock and a maximum of 698,750 shares may be issued through the exercise of nonstatutory or incentive stock options.  The exercise price of each option equals the market price of the Company’s stock on the date of grant and an option’s maximum term is ten years.
	The table below summarizes the status of the Company’s stock option plans as of September 30, 2013:
			Three Months Ended
			30-Sep-13
					Weighted-
					average
			Shares		exercise price
	Outstanding at beginning of period			360,638	$	13.04
	Granted during the three-month period			—		—
	Options forfeited			—		—
	Options exercised			—		—
	Outstanding at September 30, 2013			360,638	$	13.04
	Options exercisable at September 30, 2013			344,638	$	13.55
	The following information applies to options outstanding at September 30, 2013:
	Number outstanding			360,638
	Range of exercise prices		$	1.97 - $13.69
	Weighted-average exercise price		$	13.04
	Weighted-average remaining contractual life			0.8
	Number of options remaining for future issuance			338,112
	The fair value of stock options granted is amortized as compensation expense on a straight-line basis over the five year vesting period of the grant.  Compensation expense related to stock options was approximately $1,300 for the three months ended September 30, 2013.

Investment_Securities

Investment Securities	3 Months Ended
	Sep. 30, 2013
Investment Securities	'
Investment Securities	'
		Investment Securities
	Investment securities are summarized as follows:
	At September 30, 2013
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gains			Losses			Value
			(Dollars in thousands)
	Securities available-for-sale
	Debt securities:
	Federal agency		$	24,904		$	67		$	(551	)	$	24,420
	Mortgage-backed			68,068			937			(881	)		68,124
	Municipals			7,967			165			(216	)		7,916
	Other Securities			607			—			(107	)		500
	Total securities available-for-sale		$	101,546		$	1,169		$	(1,755	)	$	100,960
	Weighted-average rate			1.97	%
	Pledged at September 30, 2013		$	16,395
	At June 30, 2013
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gains			Losses			Value
			(Dollars in thousands)
	Securities available-for-sale
	Debt securities:
	Federal agency		$	21,985		$	88		$	(420	)	$	21,653
	Mortgage-backed			65,607			1,096			(835	)		65,868
	Municipals			8,004			172			(171	)		8,005
	Other Securities			607			—			(109	)		498
	Total securities available-for-sale		$	96,203		$	1,356		$	(1,535	)	$	96,024
	Weighted-average rate			1.83	%
	Pledged at June 30, 2013		$	11,017
	Securities with unrealized losses not recognized in income are as follows:
			Less than 12 months						12 months or more						Total
			Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
			Value			Losses			Value			Losses			Value		Losses
			(Dollars in thousands)
	30-Sep-13
	Federal agency securities		$	13,846		$	(551	)	$	—		$	—		$	13,846	$	(551	)
	Mortgage-backed securities			29,345			(864	)		818			(17	)		30,163		(881	)
	Municipal securities			2,325			(167	)		1,416			(49	)		3,741		(216	)
	Other securities			—			—			500			(107	)		500		(107	)
			$	45,516		$	(1,582	)	$	2,734		$	(173	)	$	48,250	$	(1,755	)
	The Company evaluates its securities with significant declines in fair value on a quarterly basis to determine whether they should be considered temporarily or other than temporarily impaired.  The Company has recognized all of the unrealized losses reflected in the foregoing table in other comprehensive income.  The Company neither has the intent to sell nor is forecasting the need or requirement to sell the securities before their anticipated recovery.
	Federal Agency Securities – The unrealized losses of $551,000 for these thirteen federal agency securities were caused by changes in market interest rates.  The contractual cash flows of these investments are guaranteed by an agency of the U.S. Government.  Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at September 30, 2013.
	GSE Residential Mortgage-Backed Securities – The unrealized losses of $864,000 for these thirty-eight GSE mortgage-backed securities were caused by changes in market interest rates. The contractual cash flows of these investments are guaranteed by an agency of the U.S. Government. Accordingly it is expected that the securities would not be settled at a price less than the amortized bases of the Company’s investments. Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at September 30, 2013.
	Private-Label Residential Mortgage-Backed Securities – The unrealized loss of $17,000 for this private-label mortgage-backed security is primarily driven by higher projected collateral losses, wider credit spreads and changes in interest rates as indicated by the semi-annual independent valuation of the investment. The valuation methodology used is a future cash flow analysis which is built upon a model based on collateral-specific assumptions as they relate to the underlying loans. Given the expected improvement in the future performances of the expected cash flow, the unrealized losses are not deemed to be attributable to credit quality. Accordingly it is expected that the security would not be settled at a price less than the amortized bases of the Company’s investment. Because the decline in market value is attributable to higher projected collateral losses, wider credit spreads and changes in interest rates and not credit quality, the Company expects to recover the entire amortized cost bases of this security.
	Municipal Securities – The unrealized losses of $216,000 for these eight investments in municipal securities were caused by changes in market interest rates.  The contractual cash flows of these investments are guaranteed by municipal agencies themselves.  Accordingly it is expected that the securities would not be settled at a price less than the amortized bases of the Company’s investments.  Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at September 30, 2013.
	Other Securities – The unrealized loss of $107,000 on this collateralized debt obligation (“CDO”) was a result of updated variables and inputs that comprise the model used in the semi-annual independent valuation of this security. The collateral for the CDO investment is comprised of trust preferred securities and senior and subordinated debt issued by banks, insurance companies, REITs, real estate operating companies and homebuilding companies. The CDO is valued by evaluating all relevant credit and structural aspects of the instrument, determining appropriate performance assumptions and performing a discounted cash flow analysis. Given the expected improvement in the future performance of the collateral, the unrealized loss is not deemed to be attributable to credit quality. Since the Company does not intend to sell this investment before recovery of its amortized cost basis, which may be maturity, the Company does not consider this investment to be other-than-temporarily impaired at September 30, 2013.
	Maturities of debt securities at September 30, 2013 are summarized as follows:
									Weighted
			Amortized			Fair			Average
			Cost			Value			Yield
	Within 1 year		$	6,780		$	6,810			1.27	%
	Over 1 year through 5 years			6,002			6,024			1.31	%
	After 5 years through 10 years			25,765			25,417			1.77	%
	Over 10 years			62,999			62,709			2.19	%
			$	101,546		$	100,960			1.97	%

Fair_Value_Disclosures

Fair Value Disclosures	3 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures	'
	-11	Fair Value Disclosures
	Fair value is defined as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. When measuring fair value, the Company uses valuation techniques that are appropriate and consistently applied.  A hierarchy is also established under the standard and is used to prioritize valuation inputs into the following three levels used to measure fair value:
	Level 1
	Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as certain U.S. Treasury, other U.S. Government and agency mortgage-backed debt securities that are highly liquid and are actively traded in over-the-counter markets.
	Level 2
	Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes certain U.S. Government and agency mortgage-backed debt securities, corporate debt securities, derivative contracts and residential mortgage loans held-for-sale.
	Level 3
	Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. This category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts.
	The following is a description of valuation methodologies used for assets recorded at fair value.
	Investment Securities Available for Sale
	Level 2 investment securities classified as “available-for-sale” are recorded at fair value on a recurring basis. Fair value measurements are based upon independent pricing models or other model-based valuation techniques with inputs that are observable in the market or that can be derived principally from or corroborated by observable market data. Level 2 securities include mortgage-backed securities issued by government-sponsored entities, municipal bonds, bonds issued by government agencies, and corporate debt securities. Level 3 investment securities classified as “available-for-sale” are recorded at fair value on at least a semi-annual basis. Fair value measurements are based upon independent pricing models based upon unobservable inputs which require significant management judgment or estimation. Level 3 securities include certain mortgage-backed securities and other debt securities.
	Impaired Loans
	The Company records loans at fair value on a non-recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows.
	Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At September 30, 2013, substantially all of the total impaired loans were evaluated based on either the fair value of the collateral or its liquidation value. In accordance with GAAP, impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy.  When the fair value of the collateral is based on an observable market price, the Company records the impaired loan as nonrecurring Level 2.
	The fair value of collateral dependent impaired loans and other real estate owned is generally based on recent real estate appraisals and other available observable market information.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  The Company generally uses independent external appraisers in this process who routinely make adjustments to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.
	Assets and Liabilities Recorded at Fair Value on a Recurring Basis
	Below is a table that presents information about certain assets and liabilities measured at fair value:
			30-Sep-13
											Total Carrying
											Amount in			Assets/Liabilities
											Statement of			Measured at
	Description		Level 1			Level 2			Level 3		Financial Condition			Fair Value
	Securities available for sale		—		$	100,030		$	930	$	100,960		$	100,960
	Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis
	The Company may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis are included in the table below.
			30-Sep-13
														Total Gains
	Description		Level 1				Level 2			Level 3				(Losses)
	Impaired Loans			—				—		$	3,403			$	(131	)
	Other real estate owned			—				—			5,882				—
	The carrying value and estimated fair value of the Company’s financial instruments are as follows:
			30-Sep-13							30-Jun-13
			Carrying				Fair			Carrying				Fair
			Amount				Value			Amount				Value
	Financial assets:
	Cash and due from banks and interest-earning deposits with banks		$	23,593			$	23,593		$	24,514			$	24,514
	Available-for-sale securities			100,960				100,960			96,024				96,024
	Federal Home Loan Bank stock			4,735				4,735			4,735				4,735
	Bank owned life insurance			7,161				7,161			7,100				7,100
	Loans receivable, net			313,995				319,956			321,299				329,268
	Accrued interest receivable			1,342				1,342			1,409				1,409
	Loans held-for-sale			75				75			97				97
	Financial liabilities:
	Deposits			(395,972	)			(387,696	)		(399,642	)			(391,442	)
	Borrowed funds			(38,334	)			(39,136	)		(38,177	)			(39,505	)
	Subordinated debentures			(7,386	)			(4,975	)		(7,358	)			(4,950	)
	Off-balance sheet assets (liabilities):
	Commitments to extend credit			—				18,553			—				15,330
	Unused letters of credit			—				310			—				320
	Unused lines of credit			—				29,508			—				27,663
	The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:
	Cash and due from banks and interest-earning deposits with banks - The carrying amounts for these assets approximate fair value.
	Investment securities – See the discussion presented on Page 18 concerning assets measured at fair value on a recurring basis.
	Federal Home Loan Bank stock - The fair value for FHLB stock is the carrying value due to restrictions placed on transferability.
	Loans held-for-sale – The fair value of loans held-for-sale is the carrying value since these loans have a commitment to be purchased by a third party.
	Loans receivable, net - The fair value is based on discounted cash flow analyses, using interest rates currently being offered for loans with similar terms and for similar maturities.  The estimated fair value of loans is adjusted for the allowance for loan losses.
	Accrued interest receivable - The carrying amounts of accrued interest receivable approximate fair value.
	Bank-owned life insurance - The carrying value of this asset is the cash surrender value, which approximates fair value.
	Deposits - The fair value of deposits with no stated maturity is equal to the amount payable on demand. The fair value of time deposits is estimated using discounted cash flow analyses. The discount rate is estimated using rates currently offered for deposits of similar remaining maturities.
	Borrowed Money - The estimated fair value of debt is based on current rates for similar financing.
	Subordinated debt - The fair value for subordinated debt is estimated based on a third party indication of fair value at the respective dates.

Subordinated_Debt

Subordinated Debt	3 Months Ended
	Sep. 30, 2013
Subordinated Debt	'
Subordinated Debt	'
		Subordinated Debt
	In connection with its October 2008 acquisition of State of Franklin Bancshares, Inc. (“State of Franklin”), the Company acquired State of Franklin Statutory Trust II (the “Trust”) and assumed the Trust’s obligation with respect to certain capital securities described below.  On December 13, 2006, State of Franklin issued $10.3 million of junior subordinated debentures to the Trust, a Delaware business trust wholly owned by State of Franklin.  The Trust (a) sold $10.0 million of capital securities through its underwriters to institutional investors and upstreamed the proceeds to State of Franklin and (b) issued $310,000 of common securities to State of Franklin.  The sole assets of the Trust are the $10.3 million of junior subordinated debentures issued by State of Franklin. The securities are redeemable at par after January 30, 2012, and have a final maturity of January 30, 2037.  The interest is payable quarterly at a floating rate equal to 3-month LIBOR plus 1.7%.
	On September 25, 2013, the Company notified the Trustee of the Trust that, beginning with the October 30, 2013 interest payment period, the Company would end its prior election to defer all payments of interest on the junior subordinated debentures and pay all deferred interest and additional interest due on the junior subordinated debentures as of October 30, 2013.

Subsequent_Events

Subsequent Events	3 Months Ended
	Sep. 30, 2013
Subsequent Events [Abstract]	'
Subsequent Events	'
	-13	Subsequent Events
	The Company has evaluated subsequent events for potential recognition and disclosure for the three months ended September 30, 2013.  No items were identified during this evaluation that required adjustment to or disclosure in the accompanying financial statements.

Earnings_Per_Common_Share_Tabl

Earnings Per Common Share (Tables)	3 Months Ended
	Sep. 30, 2013
Earnings Per Common Share Tables	'
Schedule of weighted average shares	'
	The following table illustrates the number of weighted-average shares of common stock used in each corresponding earnings per common share calculation:
		Weighted-Average Shares
		Outstanding for the
		Three Months Ended
		September 30,
		2013		2012
	Weighted average number of common shares used in computing basic earnings per common share		6,272,957		6,261,233
	Effect of dilutive stock options		—		—
	Weighted average number of common shares and dilutive potential common shares used in computing earnings per common share assuming dilution		6,272,957		6,261,233

Accounting_for_Allowance_for_L1

Accounting for Allowance for Loan Losses and Impairment of a Loan (Tables)	3 Months Ended
	Sep. 30, 2013
Accounting For Allowance For Loan Losses And Impairment Of Loan Tables	'
Schedule of troubled debt restructuring and modifications of loans	'
	The following table presents the Bank’s loans classified as TDRs by loan type and accrual status as of September 30, 2013:
			September 30, 2013
			Accrual				Non-accrual				Total
			Status				Status				TDRs
	Residential mortgage		$	958			$	—			$	958
	Multi-family			620				—				620
	Construction and land development			144				—				144
	Non-residential real estate			—				1,969				1,969
	Owner occupied			184				350				534
	Commercial			122				210				332
	HELOC and junior Lien			—				—				—
	Total		$	2,028			$	2,529			$	4,557
Schedule of activity in the allowance for loan losses	'
	The following table summarizes the activity in the allowance for loan losses for the three months ended September 30, 2013:
			Resid. Mtg				Multi-				Constr and				Non-			Owner			Comm’l				HELOC			Consumer				Total
							family				land dev.				residential			occupied							and junior
															real estate										lien
	Allowance for Credit Losses:
	Balance at June 30, 2013		$	665			$	475			$	491			$	981		$	347		$	2,481			$	168		$	52			$	5,660
	Charge Offs			(15	)			(398	)			(29	)			—			—			(315	)			—			(7	)			(764	)
	Recoveries			—				—				3				—			66			22				—			6				97
	Provision			192				(2	)			(69	)			234			42			(418	)			35			(14	)			—
	Balance at September 30, 2013		$	842			$	75			$	396			$	1,215		$	455		$	1,770			$	203		$	37			$	4,993
	Ending balance,
	Individually Evaluated		$	—			$	—			$	—			$	563		$	—		$	339			$	—		$	—			$	902
	Ending balance,
	Collectively Evaluated		$	842			$	75			$	396			$	652		$	455		$	1,431			$	203		$	37			$	4,091
	Loans:
	Balance at September 30, 2013		$	80,872			$	9,255			$	31,733			$	49,190		$	67,619		$	59,042			$	18,086		$	3,546			$	319,343
	Ending balance,
	Individually Evaluated		$	—			$	—			$	—			$	1,800		$	—		$	1,481			$	—		$	—			$	3,281
	Ending balance,
	Collectively Evaluated		$	80,872			$	9,255			$	31,733			$	47,390		$	67,619		$	57,561			$	18,086		$	3,546			$	316,062
Schedule of aging analysis of the loan portfolio	'
	The following table is an aging analysis of the loan portfolio at September 30, 2013:
	30-59 days		60-89 days		90 or more		Nonaccrual		Total past		Total		Total loans receivable
	past due		past due		days past				due and		Current
					due and still accruing				nonaccrual
	Residential Mortgage		$	32			$	—			$	—			$	1,967		$	1,999		$	78,873			$	80,872
	Multi-family			—				—				—				3			3			9,252				9,255
	Construction/land development			—				—				—				968			968			30,765				31,733
	Non-residential real estate			78				—				—				2,742			2,820			46,370				49,190
	Owner occupied			203				—				—				834			1,037			66,582				67,619
	Commercial			15				—				—				1,813			1,828			57,214				59,042
	HELOC and Junior Lien			63				—				—				64			127			17,959				18,086
	Consumer			6				—				—				11			17			3,529				3,546
	Total		$	397			$	—			$	—			$	8,402		$	8,799		$	310,544			$	319,343
Schedule of credit risk profile by internally assigned grade	'
		Residential Mortgage
						Multi-				Constr and				Non-			Owner			Comm’l				HELOC			Consumer				Total
						family				land dev.				residential			occupied							and Junior
														real estate										Lien
	Grade:
	Pass		$	74,133			$	8,544			$	28,073			$	39,117		$	64,695		$	56,164			$	17,571		$	3,138			$	291,435
	Watch			3,333				620				1,716				6,409			1,624			934				261			401				15,298
	Special mention			—				—				—				—			—			—				—			—				—
	Substandard			3,406				91				1,944				3,664			1,300			1,944				254			7				12,610
	Doubtful			—				—				—				—			—			—				—			—				—
	Loss			—				—				—				—			—			—				—			—				—
	Total:		$	80,872			$	9,255			$	31,733			$	49,190		$	67,619		$	59,042			$	18,086		$	3,546			$	319,343
Schedule of composition of impaired loans	'
	The following table summarizes the composition of impaired loans, the associated specific reserves, and interest income recognized on impaired loans at September 30, 2013:
			Recorded investment				Unpaid				Specific				Interest income
							principal				allowance				recognized
							balance
	With an allowance recorded:
	Residential mortgage		$	—			$	—			$	—			$	—
	Multi-family			—				—				—				—
	Construction and land development			—								—				—
	Non-residential real estate			1,237				1,800				563				—
	Owner occupied			—				—				—				—
	Commercial			1,142				1,481				339				—
	HELOC and junior lien			—				—				—				—
	Consumer			—				—				—				—
	Total		$	2,379			$	3,281			$	902			$	—
	With no related allowance:
	Residential mortgage		$	792			$	792			$	—			$	9
	Multi-family			620				620				—				12
	Construction and land development			1,407				1,407				—				6
	Non-residential real estate			1,418				1,418				—				11
	Owner occupied			810				810				—				—
	Commercial			—				—				—				—
	HELOC and junior lien			415				415				—				3
	Consumer			—				—				—				—
	Total		$	5,462			$	5,462			$	—			$	41
	Total:
	Residential mortgage		$	792			$	792			$	—			$	9
	Multi-family			620				620				—				12
	Construction and land development			1,407				1,407				—				6
	Non-residential real estate			2,655				3,218				563				11
	Owner occupied			810				810				—				—
	Commercial			1,142				1,481				339				—
	HELOC and junior lien			415				415				—				3
	Consumer			—				—				—				—
	Total		$	7,841			$	8,743			$	902			$	41
	Average impaired loans for the three months ended September 30, 2013		$	11,590

Stock_Incentive_Plans_Tables

Stock Incentive Plans (Tables)	3 Months Ended
	Sep. 30, 2013
Stock Incentive Plans Tables	'
Schedule of the Company's stock option plans	'
	The table below summarizes the status of the Company’s stock option plans as of September 30, 2013:
		Three Months Ended
		30-Sep-13
				Weighted-
				average
		Shares		exercise price
	Outstanding at beginning of period		360,638	$	13.04
	Granted during the three-month period		—		—
	Options forfeited		—		—
	Options exercised		—		—
	Outstanding at September 30, 2013		360,638	$	13.04
	Options exercisable at September 30, 2013		344,638	$	13.55
	The following information applies to options outstanding at September 30, 2013:
	Number outstanding		360,638
	Range of exercise prices	$	1.97 - $13.69
	Weighted-average exercise price	$	13.04
	Weighted-average remaining contractual life		0.8
	Number of options remaining for future issuance		338,112

Investment_Securities_Tables

Investment Securities (Tables)	3 Months Ended
	Sep. 30, 2013
Investment Securities Tables	'
Schedule of investment securities	'
	nvestment securities are summarized as follows:
	At September 30, 2013
		Amortized			Unrealized			Unrealized			Fair
		Cost			Gains			Losses			Value
		(Dollars in thousands)
	Securities available-for-sale
	Debt securities:
	Federal agency	$	24,904		$	67		$	(551	)	$	24,420
	Mortgage-backed		68,068			937			(881	)		68,124
	Municipals		7,967			165			(216	)		7,916
	Other Securities		607			—			(107	)		500
	Total securities available-for-sale	$	101,546		$	1,169		$	(1,755	)	$	100,960
	Weighted-average rate		1.97	%
	Pledged at September 30, 2013	$	16,395
	At June 30, 2013
		Amortized			Unrealized			Unrealized			Fair
		Cost			Gains			Losses			Value
		(Dollars in thousands)
	Securities available-for-sale
	Debt securities:
	Federal agency	$	21,985		$	88		$	(420	)	$	21,653
	Mortgage-backed		65,607			1,096			(835	)		65,868
	Municipals		8,004			172			(171	)		8,005
	Other Securities		607			—			(109	)		498
	Total securities available-for-sale	$	96,203		$	1,356		$	(1,535	)	$	96,024
	Weighted-average rate		1.83	%
	Pledged at June 30, 2013	$	11,017
Schedule of securities with unrealized losses not recognized in income	'
	Securities with unrealized losses not recognized in income are as follows:
		Less than 12 months						12 months or more						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
		Value			Losses			Value			Losses			Value		Losses
		(Dollars in thousands)
	30-Sep-13
	Federal agency securities	$	13,846		$	(551	)	$	—		$	—		$	13,846	$	(551	)
	Mortgage-backed securities		29,345			(864	)		818			(17	)		30,163		(881	)
	Municipal securities		2,325			(167	)		1,416			(49	)		3,741		(216	)
	Other securities		—			—			500			(107	)		500		(107	)
		$	45,516		$	(1,582	)	$	2,734		$	(173	)	$	48,250	$	(1,755	)
Schedule of maturities of debt securities	'
	Maturities of debt securities at September 30, 2013 are summarized as follows:
								Weighted
		Amortized			Fair			Average
		Cost			Value			Yield
	Within 1 year	$	6,780		$	6,810			1.27	%
	Over 1 year through 5 years		6,002			6,024			1.31	%
	After 5 years through 10 years		25,765			25,417			1.77	%
	Over 10 years		62,999			62,709			2.19	%
		$	101,546		$	100,960			1.97	%

Fair_Value_Disclosures_Tables

Fair Value Disclosures (Tables)	3 Months Ended
	Sep. 30, 2013
Fair Value Disclosures Tables	'
Schedule of assets and liabilities recorded at fair value on a recurring basis	'
	Below is a table that presents information about certain assets and liabilities measured at fair value:
		30-Sep-13
										Total Carrying
										Amount in			Assets/Liabilities
										Statement of			Measured at
	Description	Level 1			Level 2			Level 3		Financial Condition			Fair Value
	Securities available for sale	—		$	100,030		$	930	$	100,960		$	100,960
Schedule of assets and liabilities recorded at fair value on a nonrecurring basis	'
	Assets measured at fair value on a nonrecurring basis are included in the table below.
		30-Sep-13
													Total Gains
	Description	Level 1				Level 2			Level 3				(Losses)
	Impaired Loans		—				—		$	3,403			$	(131	)
	Other real estate owned		—				—			5,882				—
Schedule of carrying value and estimated fair value of financial instruments	'
	The carrying value and estimated fair value of the Company’s financial instruments are as follows:
		30-Sep-13							30-Jun-13
		Carrying				Fair			Carrying				Fair
		Amount				Value			Amount				Value
	Financial assets:
	Cash and due from banks and interest-earning deposits with banks	$	23,593			$	23,593		$	24,514			$	24,514
	Available-for-sale securities		100,960				100,960			96,024				96,024
	Federal Home Loan Bank stock		4,735				4,735			4,735				4,735
	Bank owned life insurance		7,161				7,161			7,100				7,100
	Loans receivable, net		313,995				319,956			321,299				329,268
	Accrued interest receivable		1,342				1,342			1,409				1,409
	Loans held-for-sale		75				75			97				97
	Financial liabilities:
	Deposits		(395,972	)			(387,696	)		(399,642	)			(391,442	)
	Borrowed funds		(38,334	)			(39,136	)		(38,177	)			(39,505	)
	Subordinated debentures		(7,386	)			(4,975	)		(7,358	)			(4,950	)
	Off-balance sheet assets (liabilities):
	Commitments to extend credit		—				18,553			—				15,330
	Unused letters of credit		—				310			—				320
	Unused lines of credit		—				29,508			—				27,663

Limitation_on_Capital_Distribu1

Limitation on Capital Distributions (Details)	Sep. 30, 2013
Limitation On Capital Distributions Details	'
Total Risk-based capital ratio, maximum requirement	8.00%
Tier 1 Risk-based capital ratio, maximum requirement	4.00%
Tier 1 Leverage Ratio, maximum requirement	4.00%

Earnings_Per_Common_Share_Deta

Earnings Per Common Share (Details Narrative)	3 Months Ended
	Sep. 30, 2013
Earnings Per Common Share Details Narrative	'
Antidilutive stock options	360,638

Earnings_Per_Common_Share_Deta1

Earnings Per Common Share (Details)	3 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Common Share	'	'
Weighted average number of common shares used in computing basic earnings per common share	6,272,957	6,261,233
Effect of dilutive stock options	'	'
Weighted average number of common shares and dilutive potential common shares used in computing earnings per common share assuming dilution	6,272,957	6,261,233

Accounting_for_Allowance_for_L2

Accounting for Allowance for Loan Losses and Impairment of a Loan (Details Narrative) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Accounting For Allowance For Loan Losses And Impairment Of Loan Details Narrative	'	'
Total TDRs	$4,557	$9,100

Accounting_for_Allowance_for_L3

Accounting for Allowance for Loan Losses and Impairment of a Loan (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Loans classified as TDRs:	'	'
Accrual Status	$2,028	'
Non-accrual status	2,529	'
Total TDRs	4,557	9,100
Residential Mortgage	'	'
Loans classified as TDRs:	'	'
Accrual Status	958	'
Non-accrual status	'	'
Total TDRs	958	'
Multi-family Real Estate Loans	'	'
Loans classified as TDRs:	'	'
Accrual Status	620	'
Non-accrual status	'	'
Total TDRs	620	'
Construction and Land Development Loans	'	'
Loans classified as TDRs:	'	'
Accrual Status	144	'
Non-accrual status	'	'
Total TDRs	144	'
Nonresidential Real Estate Loans	'	'
Loans classified as TDRs:	'	'
Accrual Status	'	'
Non-accrual status	1,969	'
Total TDRs	1,969	'
Owner Occupied Loans	'	'
Loans classified as TDRs:	'	'
Accrual Status	184	'
Non-accrual status	350	'
Total TDRs	534	'
Commercial Loans	'	'
Loans classified as TDRs:	'	'
Accrual Status	122	'
Non-accrual status	210	'
Total TDRs	332	'
HELOC and Junior Liens	'	'
Loans classified as TDRs:	'	'
Accrual Status	'	'
Non-accrual status	'	'
Total TDRs	'	'

Accounting_for_Allowance_for_L4

Accounting for Allowance for Loan Losses and Impairment of a Loan (Details 1) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Allowance for loan losses:	'	'
Beginning Balance	$5,660	'
Charge offs	-764	'
Recoveries	97	'
Provision	'	300
Ending balance	4,993	'
Individually evaluated for impairment	902	'
Collectively evaluated for impairment	4,091	'
Net Loans receivable:	'	'
Gross Loans	319,343	'
Individually evaluated for impairment	3,281	'
Collectively evaluated for impairment	316,062	'
Residential Mortgage	'	'
Allowance for loan losses:	'	'
Beginning Balance	665	'
Charge offs	-15	'
Recoveries	'	'
Provision	192	'
Ending balance	842	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	842	'
Net Loans receivable:	'	'
Gross Loans	80,872	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	80,872	'
Multi-family Real Estate Loans	'	'
Allowance for loan losses:	'	'
Beginning Balance	475	'
Charge offs	-398	'
Recoveries	'	'
Provision	-2	'
Ending balance	75	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	75	'
Net Loans receivable:	'	'
Gross Loans	9,255	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	9,255	'
Construction and Land Development Loans	'	'
Allowance for loan losses:	'	'
Beginning Balance	491	'
Charge offs	-29	'
Recoveries	3	'
Provision	-69	'
Ending balance	396	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	396	'
Net Loans receivable:	'	'
Gross Loans	31,733	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	31,733	'
Nonresidential Real Estate Loans	'	'
Allowance for loan losses:	'	'
Beginning Balance	981	'
Charge offs	'	'
Recoveries	'	'
Provision	234	'
Ending balance	1,215	'
Individually evaluated for impairment	563	'
Collectively evaluated for impairment	652	'
Net Loans receivable:	'	'
Gross Loans	49,190	'
Individually evaluated for impairment	1,800	'
Collectively evaluated for impairment	47,390	'
Owner Occupied Loans	'	'
Allowance for loan losses:	'	'
Beginning Balance	347	'
Charge offs	'	'
Recoveries	66	'
Provision	42	'
Ending balance	455	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	455	'
Net Loans receivable:	'	'
Gross Loans	67,619	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	67,619	'
Commercial Loans	'	'
Allowance for loan losses:	'	'
Beginning Balance	2,481	'
Charge offs	-315	'
Recoveries	22	'
Provision	-418	'
Ending balance	1,770	'
Individually evaluated for impairment	339	'
Collectively evaluated for impairment	1,431	'
Net Loans receivable:	'	'
Gross Loans	59,042	'
Individually evaluated for impairment	1,481	'
Collectively evaluated for impairment	57,561	'
HELOC and Junior Liens	'	'
Allowance for loan losses:	'	'
Beginning Balance	168	'
Charge offs	'	'
Recoveries	'	'
Provision	35	'
Ending balance	203	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	203	'
Net Loans receivable:	'	'
Gross Loans	18,086	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	18,086	'
Consumer Loans	'	'
Allowance for loan losses:	'	'
Beginning Balance	52	'
Charge offs	-7	'
Recoveries	6	'
Provision	-14	'
Ending balance	37	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	37	'
Net Loans receivable:	'	'
Gross Loans	3,546	'
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	$3,546	'

Accounting_for_Allowance_for_L5

Accounting for Allowance for Loan Losses and Impairment of a Loan (Details 2) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Loans Receivable Payment Age Analysis	'
30-59 days past due	$397
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	8,402
Total past due	8,799
Total Current	310,544
Residential Mortgage	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	32
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	1,967
Total past due	1,999
Total Current	78,873
Multi-family Real Estate Loans	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	'
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	3
Total past due	3
Total Current	9,252
Construction and Land Development Loans	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	'
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	968
Total past due	968
Total Current	30,765
Nonresidential Real Estate Loans	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	78
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	2,742
Total past due	2,820
Total Current	46,370
Owner Occupied Loans	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	203
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	834
Total past due	1,037
Total Current	66,582
Commercial Loans	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	15
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	1,813
Total past due	1,828
Total Current	57,214
HELOC and Junior Liens	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	63
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	64
Total past due	127
Total Current	17,959
Consumer Loans	'
Loans Receivable Payment Age Analysis	'
30-59 days past due	6
60-89 days past due	'
90 or more days past due and still accruing	'
Nonaccrual	11
Total past due	17
Total Current	$3,529

Accounting_for_Allowance_for_L6

Accounting for Allowance for Loan Losses and Impairment of a Loan (Details 3) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Credit risk profile by internally assigned grade:	'
Gross Loans	$319,343
Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	291,435
Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	15,298
Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	12,610
Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Residential Mortgage	'
Credit risk profile by internally assigned grade:	'
Gross Loans	80,872
Residential Mortgage | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	74,133
Residential Mortgage | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	3,333
Residential Mortgage | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Residential Mortgage | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	3,406
Residential Mortgage | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Residential Mortgage | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Multi-family Real Estate Loans	'
Credit risk profile by internally assigned grade:	'
Gross Loans	9,255
Multi-family Real Estate Loans | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	8,544
Multi-family Real Estate Loans | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	620
Multi-family Real Estate Loans | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Multi-family Real Estate Loans | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	91
Multi-family Real Estate Loans | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Multi-family Real Estate Loans | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Construction and Land Development Loans	'
Credit risk profile by internally assigned grade:	'
Gross Loans	31,733
Construction and Land Development Loans | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	28,073
Construction and Land Development Loans | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	1,716
Construction and Land Development Loans | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Construction and Land Development Loans | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	1,944
Construction and Land Development Loans | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Construction and Land Development Loans | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Nonresidential Real Estate Loans	'
Credit risk profile by internally assigned grade:	'
Gross Loans	49,190
Nonresidential Real Estate Loans | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	39,117
Nonresidential Real Estate Loans | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	6,409
Nonresidential Real Estate Loans | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Nonresidential Real Estate Loans | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	3,664
Nonresidential Real Estate Loans | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Nonresidential Real Estate Loans | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Owner Occupied Loans	'
Credit risk profile by internally assigned grade:	'
Gross Loans	67,619
Owner Occupied Loans | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	64,695
Owner Occupied Loans | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	1,624
Owner Occupied Loans | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Owner Occupied Loans | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	1,300
Owner Occupied Loans | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Owner Occupied Loans | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Commercial Loans	'
Credit risk profile by internally assigned grade:	'
Gross Loans	59,042
Commercial Loans | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	56,164
Commercial Loans | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	934
Commercial Loans | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Commercial Loans | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	1,944
Commercial Loans | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Commercial Loans | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
HELOC and Junior Liens	'
Credit risk profile by internally assigned grade:	'
Gross Loans	18,086
HELOC and Junior Liens | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	17,571
HELOC and Junior Liens | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	261
HELOC and Junior Liens | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
HELOC and Junior Liens | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	254
HELOC and Junior Liens | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
HELOC and Junior Liens | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Consumer Loans	'
Credit risk profile by internally assigned grade:	'
Gross Loans	3,546
Consumer Loans | Pass	'
Credit risk profile by internally assigned grade:	'
Gross Loans	3,138
Consumer Loans | Watch	'
Credit risk profile by internally assigned grade:	'
Gross Loans	401
Consumer Loans | Special Mention	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Consumer Loans | Substandard	'
Credit risk profile by internally assigned grade:	'
Gross Loans	7
Consumer Loans | Doubtful	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'
Consumer Loans | Loss	'
Credit risk profile by internally assigned grade:	'
Gross Loans	'

Accounting_for_Allowance_for_L7

Accounting for Allowance for Loan Losses and Impairment of a Loan (Details 4) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
With an allowance recorded:	'
Recorded Investment	$2,379
Unpaid Principal Balance	3,281
Specific Allowance	902
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	5,462
Unpaid Principal Balance	5,462
Interest Income Recognized	41
Total Impaired Loans:	'
Recorded Investment	7,841
Unpaid Principal Balance	8,743
Interest Income	41
Residential Mortgage	'
With an allowance recorded:	'
Recorded Investment	'
Unpaid Principal Balance	'
Specific Allowance	'
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	792
Unpaid Principal Balance	792
Interest Income Recognized	9
Total Impaired Loans:	'
Recorded Investment	792
Unpaid Principal Balance	792
Interest Income	9
Multi-family Real Estate Loans	'
With an allowance recorded:	'
Recorded Investment	'
Unpaid Principal Balance	'
Specific Allowance	'
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	620
Unpaid Principal Balance	620
Interest Income Recognized	12
Total Impaired Loans:	'
Recorded Investment	620
Unpaid Principal Balance	620
Interest Income	12
Construction and Land Development Loans	'
With an allowance recorded:	'
Recorded Investment	'
Unpaid Principal Balance	'
Specific Allowance	'
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	1,407
Unpaid Principal Balance	1,407
Interest Income Recognized	6
Total Impaired Loans:	'
Recorded Investment	1,407
Unpaid Principal Balance	1,407
Interest Income	6
Nonresidential Real Estate Loans	'
With an allowance recorded:	'
Recorded Investment	1,237
Unpaid Principal Balance	1,800
Specific Allowance	563
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	1,418
Unpaid Principal Balance	1,418
Interest Income Recognized	11
Total Impaired Loans:	'
Recorded Investment	2,655
Unpaid Principal Balance	3,218
Interest Income	563
Owner Occupied Loans	'
With an allowance recorded:	'
Recorded Investment	'
Unpaid Principal Balance	'
Specific Allowance	'
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	810
Unpaid Principal Balance	810
Interest Income Recognized	'
Total Impaired Loans:	'
Recorded Investment	810
Unpaid Principal Balance	810
Interest Income	'
Commercial Loans	'
With an allowance recorded:	'
Recorded Investment	1,142
Unpaid Principal Balance	1,481
Specific Allowance	339
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	'
Unpaid Principal Balance	'
Interest Income Recognized	'
Total Impaired Loans:	'
Recorded Investment	1,142
Unpaid Principal Balance	1,481
Interest Income	'
HELOC and Junior Liens	'
With an allowance recorded:	'
Recorded Investment	'
Unpaid Principal Balance	'
Specific Allowance	'
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	415
Unpaid Principal Balance	415
Interest Income Recognized	3
Total Impaired Loans:	'
Recorded Investment	415
Unpaid Principal Balance	415
Interest Income	3
Consumer Loans	'
With an allowance recorded:	'
Recorded Investment	'
Unpaid Principal Balance	'
Specific Allowance	'
Interest Income Recognized	'
With no related allowance:	'
Recorded Investment	'
Unpaid Principal Balance	'
Interest Income Recognized	'
Total Impaired Loans:	'
Recorded Investment	'
Unpaid Principal Balance	'
Interest Income	'

Recovered_Sheet1

Financial Instruments with off-Balance Sheet Risk (Details Narrative) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Commitment to Extend Credit	'
Unfunded commitments	$18,600
Unused letters of credit	'
Unfunded commitments	310
Line of Credit	'
Unfunded commitments	$29,500

Stock_Incentive_Plans_Details_

Stock Incentive Plans (Details Narrative) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013
Compensation expense for grants vesting	$1,300
Restricted Stock Units	'
Maximum number of shares authorized	279,500
Stock Option Plan	'
Maximum number of shares authorized	698,750

Stock_Incentive_Plans_Details

Stock Incentive Plans (Details) (USD $)	3 Months Ended
	Sep. 30, 2013
Number of Shares	'
Options outstanding, beginning	360,638
Options granted	'
Options forfeited	'
Options exercised	'
Options outstanding, ending	360,638
Options exercisable, ending	344,638
Weighted Average Exercise Price	'
Options outstanding, beginning	$13.04
Options granted	'
Options forfeited	'
Options exercised	'
Options outstanding, ending	$13.04
Options exercisable, ending	$13.55

Stock_Incentive_Plans_Details_1

Stock Incentive Plans (Details 1) (USD $)	3 Months Ended
	Sep. 30, 2013	Jun. 30, 2013
Options outstanding	360,638	360,638
Weighted average exercise price	$13.04	$13.04
Weighted average remaining contractual life	'0 years 9 months 18 days	'
Number of options remaining for future issuance	338,112	'
Lower Range	'	'
Weighted average exercise price	$1.97	'
Upper Range	'	'
Weighted average exercise price	$13.69	'

Investment_Securities_Details_

Investment Securities (Details Narrative) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013
Unrealized losses on securities	$1,755	$1,535
Federal agency	'	'
Unrealized losses on securities	551	420
Number of securities in unrealized loss position	13	'
GSE Residential Mortgage-Backed Securities	'	'
Unrealized losses on securities	864	'
Number of securities in unrealized loss position	38	'
Private-Label Residential Mortgage-Backed Securities	'	'
Unrealized losses on securities	17	'
Number of securities in unrealized loss position	1	'
Municipal Securities	'	'
Unrealized losses on securities	216	171
Number of securities in unrealized loss position	8	'
Other Securities	'	'
Unrealized losses on securities	$107	$109
Number of securities in unrealized loss position	1	'

Investment_Securities_Details

Investment Securities (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013
Available For Sale Securities	'	'
Amortized Cost	$101,546	$96,203
Unrealized Gains	1,169	1,356
Unrealized losses on securities	-1,755	-1,535
Securities available for sale fair value	100,960	96,024
Weighted-average rate	1.97%	1.83%
Pledged	16,395	11,017
Federal agency	'	'
Available For Sale Securities	'	'
Amortized Cost	24,904	21,985
Unrealized Gains	67	88
Unrealized losses on securities	-551	-420
Securities available for sale fair value	24,420	21,653
Mortgage-backed	'	'
Available For Sale Securities	'	'
Amortized Cost	68,068	65,607
Unrealized Gains	937	1,096
Unrealized losses on securities	-881	-835
Securities available for sale fair value	68,124	65,868
Municipal Securities	'	'
Available For Sale Securities	'	'
Amortized Cost	7,967	8,004
Unrealized Gains	165	172
Unrealized losses on securities	-216	-171
Securities available for sale fair value	7,916	8,005
Other Securities	'	'
Available For Sale Securities	'	'
Amortized Cost	607	607
Unrealized Gains	'	'
Unrealized losses on securities	-107	-109
Securities available for sale fair value	$500	$498

Investment_Securities_Details_1

Investment Securities (Details 1) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Available For Sale Securities	'
Less than 12 Months, Fair Value	$45,516
Less than 12 Months, Unrealized Losses	-1,582
12 Months or Longer, Fair Value	2,734
12 Months or Longer, Unrealized Losses	-173
Total, Fair Value	48,250
Total, Unrealized Losses	-1,755
Federal agency	'
Available For Sale Securities	'
Less than 12 Months, Fair Value	13,846
Less than 12 Months, Unrealized Losses	-551
12 Months or Longer, Fair Value	'
12 Months or Longer, Unrealized Losses	'
Total, Fair Value	13,846
Total, Unrealized Losses	-551
Mortgage-backed	'
Available For Sale Securities	'
Less than 12 Months, Fair Value	29,345
Less than 12 Months, Unrealized Losses	-864
12 Months or Longer, Fair Value	818
12 Months or Longer, Unrealized Losses	-17
Total, Fair Value	30,163
Total, Unrealized Losses	-881
Municipal Securities	'
Available For Sale Securities	'
Less than 12 Months, Fair Value	2,325
Less than 12 Months, Unrealized Losses	-167
12 Months or Longer, Fair Value	1,416
12 Months or Longer, Unrealized Losses	-49
Total, Fair Value	3,741
Total, Unrealized Losses	-216
Other Securities	'
Available For Sale Securities	'
Less than 12 Months, Fair Value	'
Less than 12 Months, Unrealized Losses	'
12 Months or Longer, Fair Value	500
12 Months or Longer, Unrealized Losses	-107
Total, Fair Value	500
Total, Unrealized Losses	($107)

Investment_Securities_Details_2

Investment Securities (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013
Available For Sale Debt securities, Amortized Cost	'	'
Within 1 year	$6,780	'
Over 1 year through 5 years	6,002	'
After 5 years through 10 years	25,765	'
Over 10 years	62,999	'
Total	101,546	'
Available For Sale Debt securities, Fair Value	'	'
Within 1 year	6,810	'
Over 1 year through 5 years	6,024	'
After 5 years through 10 years	25,417	'
Over 10 years	62,709	'
Total	$100,960	'
Available For Sale Debt securities, Weighted Average Yield	'	'
Within 1 year (as a percent)	1.27%	'
Over 1 year through 5 years (as a percent)	1.31%	'
After 5 years through 10 years (as a percent)	1.77%	'
Over 10 years (as a percent)	2.19%	'
Weighted-average yield (as a percent)	1.97%	1.83%

Fair_Value_Disclosures_Details

Fair Value Disclosures (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Securities available for sale fair value	$100,960	$96,024
Carrying Amount	'	'
Securities available for sale fair value	100,960	96,024
Fair Value	'	'
Securities available for sale fair value	100,960	96,024
Fair Value measured on a Recurring Basis | Level 1	'	'
Securities available for sale fair value	'	'
Fair Value measured on a Recurring Basis | Level 2	'	'
Securities available for sale fair value	100,030	'
Fair Value measured on a Recurring Basis | Level 3	'	'
Securities available for sale fair value	930	'
Fair Value measured on a Recurring Basis | Carrying Amount	'	'
Securities available for sale fair value	100,960	'
Fair Value measured on a Recurring Basis | Fair Value	'	'
Securities available for sale fair value	$100,960	'

Fair_Value_Disclosures_Details1

Fair Value Disclosures (Details 1) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Other real estate owned	$5,882	$5,433
Fair Value measured on a Non-Recurring Basis | Level 1	'	'
Impaired Loans	'	'
Other real estate owned	'	'
Fair Value measured on a Non-Recurring Basis | Level 2	'	'
Impaired Loans	'	'
Other real estate owned	'	'
Fair Value measured on a Non-Recurring Basis | Level 3	'	'
Impaired Loans	3,403	'
Other real estate owned	5,882	'
Fair Value measured on a Non-Recurring Basis | Total Gains (Losses)	'	'
Impaired Loans	-131	'
Other real estate owned	'	'

Fair_Value_Disclosures_Details2

Fair Value Disclosures (Details 2) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Financial assets:	'	'
Securities available for sale	$100,960	$96,024
Bank owned life insurance	7,161	7,100
Accrued interest receivable	339	349
Carrying Amount	'	'
Financial assets:	'	'
Cash and due from banks and interest-earning deposits with banks	23,593	24,514
Securities available for sale	100,960	96,024
Federal Home Loan Bank stock	4,735	4,735
Bank owned life insurance	7,161	7,100
Loans receivable, net	313,995	321,299
Accrued interest receivable	1,342	1,409
Loans held-for-sale	75	97
Financial liabilities:	'	'
Deposits	-395,972	-399,642
Borrowed funds	-38,334	-38,177
Subordinated debentures	-7,386	-7,358
Fair Value	'	'
Financial assets:	'	'
Cash and due from banks and interest-earning deposits with banks	23,593	24,514
Securities available for sale	100,960	96,024
Federal Home Loan Bank stock	4,735	4,735
Bank owned life insurance	7,161	7,100
Loans receivable, net	319,956	329,268
Accrued interest receivable	1,342	1,409
Loans held-for-sale	75	97
Financial liabilities:	'	'
Deposits	-387,696	-391,442
Borrowed funds	-39,136	-39,505
Subordinated debentures	-4,975	-4,950
Fair Value | Commitment to Extend Credit	'	'
Off-balance sheet assets (liabilities):	'	'
Fair Value Off-balance sheet assets (liabilities)	18,553	15,330
Fair Value | Unused letters of credit	'	'
Off-balance sheet assets (liabilities):	'	'
Fair Value Off-balance sheet assets (liabilities)	310	320
Fair Value | Line of Credit	'	'
Off-balance sheet assets (liabilities):	'	'
Fair Value Off-balance sheet assets (liabilities)	$29,508	$27,663

Subordinated_Debt_Details_Narr

Subordinated Debt (Details Narrative) (USD $)	0 Months Ended
In Thousands, unless otherwise specified	Dec. 13, 2006
Subordinated Debt Details Narrative	'
Issue of junior subordinated debenture to third party investors	$10,000
Common securites issued to State of Franklin by trust	310
Junior subordinated debentures owned by trust issued by State of Franklin	$10,310
Junior subordinated debentures, variable rate	'3-month LIBOR
Junior subordinated debentures, variable rate spread	1.70%