Kentucky First Federal Bancorp (KFFB) 10-Q 14 Nov 19 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Sep. 30, 2019	Nov. 09, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	Kentucky First Federal Bancorp
Entity Central Index Key	0001297341
Amendment Flag	false
Current Fiscal Year End Date	--06-30
Document Type	10-Q
Document Period End Date	Sep. 30, 2019
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2020
Entity Current Reporting Status	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Ex Transition Period	false
Entity Interactive Data Current	Yes
Entity File Number	0-51176
Entity Shell Company	false
Entity Incorporation State Country Code	KY
Entity Common Stock, Shares Outstanding		8,294,515

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
ASSETS
Cash and due from financial institutions	$ 1,555	$ 1,870
Interest-bearing demand deposits	10,600	7,991
Cash and cash equivalents	12,155	9,861
Time deposits in other financial institutions	3,465	6,962
Securities available-for-sale	1,046	1,045
Securities held-to-maturity, at amortized cost- approximate fair value of $686 and $775 at September 30, and June 30, 2019, respectively	680	775
Loans held for sale	441
Loans, net of allowance of $1,450 and $1,456 at September 30, and June 30, 2019, respectively	279,633	280,969
Real estate owned, net	965	710
Premises and equipment, net	5,007	5,028
Federal Home Loan Bank stock, at cost	6,482	6,482
Accrued interest receivable	743	758
Bank-owned life insurance	2,538	2,518
Goodwill	14,507	14,507
Prepaid federal income taxes	203	266
Prepaid expenses and other assets	894	890
Total assets	328,759	330,771
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits	196,079	195,836
Federal Home Loan Bank advances	64,373	66,703
Advances by borrowers for taxes and insurance	1,050	763
Accrued interest payable	29	28
Deferred federal income taxes	701	701
Other liabilities	487	462
Total liabilities	262,719	264,493
Commitments and contingencies
Shareholders' equity
Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued and outstanding
Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued	86	86
Additional paid-in capital	35,022	35,056
Retained earnings	33,767	33,867
Unearned employee stock ownership plan (ESOP), 42,938 shares and 47,607 shares at, September 30, and June 30, 2019, respectively	(429)	(476)
Treasury shares at cost, 286,549 and 266,549 common shares at September 30, and June 30, 2019, respectively	(2,410)	(2,259)
Accumulated other comprehensive income	4	4
Total shareholders' equity	66,040	66,278
Total liabilities and shareholders' equity	$ 328,759	$ 330,771

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Statement of Financial Position [Abstract]
Securities held-to-maturity securities, fair value (in dollars)	$ 686	$ 775
Loans receivable, allowance (in dollars)	$ 1,450	$ 1,456
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	500,000	500,000
Preferred stock, shares issued
Preferred stock, shares outstanding
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	8,596,064	8,596,064
Unearned employee stock ownership plan, number of shares	42,938	47,607
Treasury stock, shares	286,549	266,549

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Interest income
Loans, including fees	$ 3,172	$ 2,888
Mortgage-backed securities	6	8
Other securities	6	1
Interest-bearing deposits and other	144	149
Total interest income	3,328	3,046
Interest expense
Interest-bearing demand deposits	5	6
Savings	52	54
Certificates of Deposit	531	382
Deposits	588	442
Borrowings	359	258
Total interest expense	947	700
Net interest income	2,381	2,346
Provision for loan losses	59	11
Net interest income after provision for loan losses	2,322	2,335
Non-interest income
Earnings on bank-owned life insurance	19	19
Net gain on sales of loans	6	14
Net gain on sales of real estate owned		5
Valuation adjustment for real estate owned		(18)
Other	49	49
Total non-interest income	74	69
Non-interest expense
Employee compensation and benefits	1,360	1,454
Occupancy and equipment	143	170
Voice and data communications	61	65
Advertising	48	67
Outside service fees	51	38
Data processing	105	105
Auditing and accounting	47	34
Franchise and other taxes	65	63
Foreclosure and real estate owned expenses (net)	34	23
Other	188	205
Total non-interest expense	2,102	2,224
Income before income taxes	294	180
Federal income tax expense	60	42
NET INCOME	$ 234	$ 138
EARNINGS PER SHARE
Basic and diluted	$ 0.03	$ 0.02

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Statement of Comprehensive Income [Abstract]
Net income	$ 234	$ 138
Other comprehensive losses, net of tax:
Unrealized holding losses on securities designated as available-for-sale, net of taxes of $0, and $0 during the respective periods		(1)
Comprehensive income	$ 234	$ 137

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Comprehensive Income (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Statement of Comprehensive Income [Abstract]
Unrealized holding losses on securities designated as available-for-sale	$ 0	$ 0

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders’ Equity - USD ($) $ in Thousands	Common stock	Additional paid-in capital	Retained earnings	Unearned employee stock ownership plan (ESOP)	Treasury shares	Accumulated other comprehensive income	Total
Balance at Jun. 30, 2018	$ 86	$ 35,085	$ 34,050	$ (663)	$ (1,355)		$ 67,203
Net income			138				138
Allocation of ESOP shares				47			47
Acquisition of shares for treasury					(89)		(89)
Change in accounting method			441				441
Other comprehensive income						(1)	(1)
Cash dividends of $0.10 per common share			(365)				(365)
Balance at Sep. 30, 2018	86	35,085	34,264	(616)	(1,444)	(1)	67,374
Balance at Jun. 30, 2019	86	35,056	33,867	(476)	(2,259)	4	66,278
Net income			234				234
Allocation of ESOP shares		(34)		47			13
Acquisition of shares for treasury					(151)		(151)
Other comprehensive income
Cash dividends of $0.10 per common share			(334)				(334)
Balance at Sep. 30, 2019	$ 86	$ 35,022	$ 33,767	$ (429)	$ (2,410)	$ 4	$ 66,040

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders’ Equity (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Statement of Stockholders' Equity [Abstract]
Cash dividends of per common share	$ 0.10	$ 0.10

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash flows from operating activities:
Net income	$ 234	$ 138
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	74	77
Accretion of purchased loan credit discount	(28)	(21)
Amortization of purchased loan premium	3	3
Amortization of deferred loan origination costs (fees)	23	15
Amortization of premiums on investment securities		2
Net gain on sale of loans	(6)	(14)
Net gain on sale of real estate owned		(5)
Valuation adjustments of real estate owned		18
ESOP compensation expense	13	47
Earnings on bank-owned life insurance	(19)	(19)
Provision for loan losses	59	11
Origination of loans held for sale	(586)	(476)
Proceeds from loans held for sale	151	380
Increase (decrease) in cash, due to changes in:
Accrued interest receivable	15	(15)
Prepaid expenses and other assets	(4)	61
Accrued interest payable	1	2
Other liabilities	25	182
Federal income taxes	63	32
Net cash provided by operating activities	18	418
Cash flows from investing activities:
Purchase of available-for-sale securities		(501)
Purchase of time deposits in other financial institutions		(494)
Maturities of time deposits in other financial institutions	3,497	1,234
Securities maturities, prepayments and calls:
Held to maturity	92	98
Available for sale	1	2
Loans originated for investment, net of principal collected	984	1,385
Proceeds from sale of real estate owned	44
Additions to real estate owned	(4)	(62)
Additions to premises and equipment, net	(53)	(34)
Net cash provided by (used in) investing activities	4,561	1,628
Cash flows from financing activities:
Net increase in deposits	243	1,157
Payments by borrowers for taxes and insurance, net	287	277
Proceeds from Federal Home Loan Bank advances	4,000	8,500
Repayments on Federal Home Loan Bank advances	(6,330)	(11,538)
Treasury stock purchased	(151)	(89)
Dividends paid on common stock	(334)	(365)
Net cash used in financing activities	(2,285)	(2,058)
Net increase (decrease) in cash and cash equivalents	2,294	(12)
Beginning cash and cash equivalents	9,861	9,943
Ending cash and cash equivalents	12,155	9,931
Cash paid during the period for:
Federal income taxes
Interest on deposits and borrowings	946	698
Transfers of loans to real estate owned, net	295	116
Loans made on sale of real estate owned		$ 80

Basis of Presentation

Basis of Presentation	3 Months Ended
	Sep. 30, 2019
Accounting Policies [Abstract]
Basis of Presentation	1. Basis of Presentation The accompanying unaudited condensed consolidated financial statements, which represent the condensed consolidated balance sheets and results of operations of the Company, were prepared in accordance with the instructions for Form 10-Q and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations and cash flows in conformity with U.S. generally accepted accounting principles. However, in the opinion of management, all adjustments (consisting of only normal recurring adjustments) which are necessary for a fair presentation of the condensed consolidated financial statements have been included. The results of operations for the three-month period ended September 30, 2019, are not necessarily indicative of the results which may be expected for an entire fiscal year. The condensed consolidated balance sheet as of June 30, 2019 has been derived from the audited consolidated balance sheet as of that date. Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Form 10-K annual report for 2019 filed with the Securities and Exchange Commission. Principles of Consolidation Reclassifications New Accounting Standards FASB ASC 326 - FASB ASC 842 – Leases (Topic 842). Elements of Financial FASB ASC 350 – Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill Impairment. FASB ASC 820 – Fair Value Measurement (Topic 820) Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company's financial position, results of operations or cash flows.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Sep. 30, 2019
Earnings Per Share [Abstract]
Earnings Per Share	2. Earnings Per Share Diluted earnings per share is computed taking into consideration common shares outstanding and dilutive potential common shares to be issued or released under the Company's share-based compensation plans. The factors used in the basic and diluted earnings per share computations follow: Three months ended 2019 2018 Net income allocated to common shareholders, basic and diluted $ 234,000 $ 138,000 EARNINGS PER SHARE Basic and diluted $ 0.03 $ 0.02 Weighted average common shares outstanding, basic and diluted 8,277,502 8,376,928 There were no stock option shares outstanding for the three-month periods ended September 30, 2019 and 2018.

Investment Securities

Investment Securities	3 Months Ended
	Sep. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Investment Securities	3. Investment Securities The following table summarizes the amortized cost and fair value of securities available-for-sale and securities held-to-maturity at September 30, 2019 and June 30, 2019, the corresponding amounts of gross unrealized gains recognized in accumulated other comprehensive income and gross unrecognized gains and losses: September 30, 2019 (in thousands) Amortized Gross Gross Estimated Available-for-sale Securities U.S. Treasury securities $ 499 $ -- $ -- $ 499 Agency bonds 501 4 -- 505 Agency mortgage-backed: residential 42 -- -- 42 $ 1,042 $ 4 $ -- $ 1,046 Held-to-maturity Securities Agency mortgage-backed: residential $ 680 $ 13 $ 7 $ 686 June 30, 2019 (in thousands) Amortized Gross Gross Estimated Available-for-sale Securities U.S. Treasury securities $ 496 $ 1 $ -- $ 497 Agency bonds 501 4 505 Agency mortgage-backed: residential 43 -- -- 43 $ 1,040 $ 5 $ -- $ 1,045 Held-to-maturity Securities Agency mortgage-backed: residential $ 775 $ 14 $ 14 $ 775 At September 30, 2019, the Company's debt securities consisted of a single U.S. Treasury note, a single agency bond, and mortgage-backed securities, which do not have a single maturity date. The amortized cost and estimated fair value of securities as of September 30, 2019, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities without a single maturity, primarily mortgage-backed securities, are not shown. (in thousands) Amortized Cost Fair Value Available for sale: Within one year $ 997 $ 1,002 Our pledged assets (including overnight and time deposits in other financial institutions) totaled $2.0 million and $2.1 million at September 30, and June 30, 2019, respectively. We evaluated securities in unrealized loss positions for evidence of other-than-temporary impairment, considering duration, severity, financial condition of the issuer, our intention to sell or requirement to sell. Those securities were agency bonds, which carry a very limited amount of risk. Also, we have no intention to sell nor feel that we will be compelled to sell such securities before maturity. Based on our evaluation, no impairment has been recognized through earnings.

Loans Receivable

Loans Receivable	3 Months Ended
	Sep. 30, 2019
Receivables [Abstract]
Loans receivable	4. Loans receivable The composition of the loan portfolio was as follows: September 30, June 30, (in thousands) 2019 2019 Residential real estate One- to four-family $ 215,384 $ 216,066 Multi-family 15,545 15,928 Construction 3,927 3,757 Land 1,099 852 Farm 3,135 3,157 Nonresidential real estate 30,513 30,419 Commercial nonmortgage 1,942 2,075 Consumer and other: Loans on deposits 1,259 1,415 Home equity 7,644 8,214 Automobile 95 91 Unsecured 539 451 281,083 282,425 Allowance for loan losses (1,450 ) (1,456 ) $ 279,633 $ 280,969 The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2019: (in thousands) Beginning Provision Loans Recoveries Ending Residential real estate: One- to four-family $ 685 $ 66 $ 65 $ -- $ 686 Multi-family 200 (7 ) -- -- 193 Construction 6 -- -- -- 6 Land 1 -- -- -- 1 Farm 6 -- -- -- 6 Nonresidential real estate 336 3 -- -- 339 Commercial nonmortgage 5 -- -- -- 5 Consumer and other: Loans on deposits 3 (1 ) -- -- 2 Home equity 14 (2 ) -- -- 12 Automobile -- -- -- -- -- Unsecured -- -- -- -- -- Unallocated 200 -- -- -- 200 Totals $ 1,456 $ 59 $ 65 $ -- $ 1,450 The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2018: (in thousands) Beginning balance Provision for loan losses Loans Recoveries Ending balance Residential real estate: One- to four-family $ 795 $ 22 $ (59 ) $ 23 $ 781 Multi-family 225 7 -- -- 232 Construction 8 (4 ) -- -- 4 Land 1 -- -- -- 1 Farm 6 -- -- -- 6 Nonresidential real estate 321 2 -- -- 323 Commercial nonmortgage 3 1 -- -- 4 Consumer and other: Loans on deposits 3 -- -- -- 3 Home equity 13 3 -- -- 16 Automobile -- -- -- -- -- Unsecured 1 (20 ) -- 20 1 Unallocated 200 -- -- -- 200 Totals $ 1,576 $ 11 $ (59 ) $ 43 $ 1,571 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio class and based on impairment method as of September 30, 2019. The recorded investment in loans excludes accrued interest receivable due to immateriality. September 30, 2019: (in thousands) Loans Loans Unpaid Ending Unallocated Total Loans individually evaluated for impairment: Residential real estate: One- to four-family $ 3,553 $ 902 $ 4,455 $ -- $ -- $ -- Multi-family 681 -- 681 -- -- -- Farm 310 -- 310 -- -- -- Nonresidential real estate 727 -- 727 -- -- -- 5,271 902 6,173 -- -- -- Loans collectively evaluated for impairment: Residential real estate: One- to four-family $ 210,929 $ 686 $ -- $ 686 Multi-family 14,864 193 -- 193 Construction 3,927 6 -- 6 Land 1,099 1 -- 1 Farm 2,825 6 -- 6 Nonresidential real estate 29,786 339 -- 339 Commercial nonmortgage 1,942 5 -- 5 Consumer: Loans on deposits 1,259 2 -- 2 Home equity 7,644 12 -- 12 Automobile 95 -- -- -- Unsecured 539 -- -- -- Unallocated -- -- 200 200 274,910 1,250 200 1,450 $ 281,083 $ 1,250 $ 200 $ 1,450 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio class and based on impairment method as of June 30, 2019. June 30, 2019: (in thousands) Loans Loans Unpaid Ending Unallocated Total Loans individually evaluated for impairment: Residential real estate: One- to four-family $ 3,837 $ 949 $ 4,786 $ -- $ -- $ -- Multi-family 685 -- 685 Farm 309 -- 309 Nonresidential real estate 683 -- 683 -- -- -- 5,514 949 6,463 -- -- -- Loans collectively evaluated for impairment: Residential real estate: One- to four-family $ 210,595 $ 685 $ -- $ 685 Multi-family 15,928 200 -- 200 Construction 3,757 6 -- 6 Land 852 1 -- 1 Farm 2,848 6 -- 6 Nonresidential real estate 29,736 336 -- 336 Commercial nonmortgage 2,075 5 -- 5 Consumer: Loans on deposits 1,415 3 -- 3 Home equity 8,214 14 -- 14 Automobile 91 -- -- -- Unsecured 451 -- -- -- Unallocated -- -- 200 200 275,962 1,256 200 1,456 $ 282,425 $ 1,256 $ 200 $ 1,456 The following table presents interest income on loans individually evaluated for impairment by class of loans for the three months ended September 30: (in thousands) Average Interest Cash Basis Average Interest Cash Basis 2019 2018 With no related allowance recorded: One- to four-family $ 3,694 $ 34 $ 34 $ 3,605 $ 16 $ 16 Multi-family 683 11 11 -- -- -- Farm 310 -- -- 310 -- -- Nonresidential real estate 705 7 7 411 -- -- Purchased credit-impaired loans 926 18 18 1,055 8 8 6,318 70 70 5,380 24 24 With an allowance recorded: One- to four-family -- -- -- -- -- -- $ 6,318 $ 70 $ 70 $ 5,380 $ 24 $ 24 The following table presents the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2019 and June 30, 2019: September 30, 2019 June 30, 2019 (in thousands) Nonaccrual Loans Nonaccrual Loans Residential real estate: One- to four-family residential real estate $ 4,145 $ 1,607 $ 4,545 $ 1,747 Multifamily 681 -- 685 -- Farm 310 -- 309 -- Nonresidential real estate and land 727 -- 683 49 Commercial and industrial 1 -- 1 -- Consumer 5 8 9 -- $ 5,869 $ 1,615 $ 6,232 $ 1,796 Troubled Debt Restructurings: A Troubled Debt Restructuring ("TDR") is the situation where the Bank grants a concession to the borrower that the Banks would not otherwise have considered due to the borrower's financial difficulties. All TDRs are considered "impaired." At September 30, 2019 and June 30, 2019, the Company had $1.5 million and $1.6 million of loans classified as TDRs, respectively. Of the TDRs at September 30, 2019, approximately 27.0% were related to the borrower's completion of Chapter 7 bankruptcy proceedings with no reaffirmation of the debt to the Banks. During the three months ended September 30, 2019, the Company had one loan restructured as a TDR. A borrower refinanced a piece of one- to four-family, non-owner occupied, residential property to bring to current amounts owed on other loans with the Bank. Because the borrower's financial condition had deteriorated, it was unlikely that the borrower could have secured financing elsewhere. The restructured loan is collateralized and cross-collateralized by real estate. During the three months ended September 30, 2018, a secondary mortgage loan of $219,000 was renewed and an additional $30,000 was loaned to a borrower to finish construction of an 8-plex. The construction project had experienced cost overruns. The Company carries the first mortgage on this project and both the primary and secondary loans are secured by the 8-plex and additional real estate collateral. The Company had no allocated specific reserves to customers whose loan terms had been modified in troubled debt restructurings as of September 30, 2019 or at June 30, 2019. The Company had no commitments to lend on loans classified as TDRs at September 30, 2019 or June 30, 2019. The following table summarizes TDR loan modifications that occurred during the three months ended September 30, 2019 and 2018, and their performance, by modification type: (in thousands) Troubled Debt Troubled Debt Total Three months ended September 30, 2019 Residential real estate: Terms extended and additional funds advanced $ 120 $ -- $ 120 Three months ended September 30, 2018 Residential real estate: Terms extended $ 249 $ -- $ 249 No TDRs defaulted during the three-month periods ended September 30, 2019 or 2018. The following table presents the aging of the principal balance outstanding in past due loans as of September 30, 2019, by class of loans: (in thousands) 30-89 Days 90 Days or Total Past Loans Not Total Residential real estate: One-to four-family $ 2,648 $ 2,720 $ 5,368 $ 210,016 $ 215,384 Multi-family -- 248 248 15,297 15,545 Construction -- -- -- 3,927 3,927 Land 740 -- 740 359 1,099 Farm 189 310 499 2,637 3,135 Nonresidential real estate 434 306 740 29,772 30,513 Commercial non-mortgage -- -- -- 1,942 1,942 Consumer and other: Loans on deposits -- -- -- 1,259 1,259 Home equity 44 -- 44 7,600 7,644 Automobile -- 8 8 87 95 Unsecured 2 -- 2 537 539 Total $ 4,057 $ 3,592 $ 7,649 $ 273,434 $ 281,083 The following tables present the aging of the principal balance outstanding in past due loans as of June 30, 2019, by class of loans: (in thousands) 30-89 Days 90 Days or Total Past Loans Not Total Residential real estate: One-to four-family $ 4,201 $ 3,479 $ 7,500 $ 208,566 $ 216,066 Multi-family -- 248 248 15,680 15,928 Construction 753 -- 753 3,004 3,757 Land -- -- -- 852 852 Farm 2 -- 2 3,155 3,157 Nonresidential real estate 362 49 411 30,008 30,419 Commercial nonmortgage -- -- -- 2,075 2,075 Consumer: Loans on deposits -- -- -- 1,415 1,415 Home equity 38 -- 38 8,176 8,214 Automobile 8 -- 8 83 91 Unsecured -- -- -- 451 451 Total $ 5,184 $ 3,776 $ 8,960 $ 273,465 $ 282,425 Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on an annual basis. The Company uses the following definitions for risk ratings: Special Mention. Substandard. Doubtful. Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass rated loans. See the aging of past due loan table above. As of September 30, 2019, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: (in thousands) Pass Special Substandard Doubtful Residential real estate: One- to four-family $ 206,428 $ 833 $ 8,123 $ -- Multi-family 14,864 -- 681 -- Construction 3,927 -- -- -- Land 1,099 -- -- -- Farm 2,826 -- 310 -- Nonresidential real estate 29,043 742 727 -- Commercial nonmortgage 1,574 -- 369 -- Consumer: Loans on deposits 1,259 -- -- -- Home equity 7,417 207 20 -- Automobile 87 -- 8 -- Unsecured 534 -- 5 -- $ 269,058 $ 1,782 $ 10,243 $ -- At June 30, 2019, the risk category of loans by class of loans was as follows: (in thousands) Pass Special Substandard Doubtful Residential real estate: One- to four-family $ 206,489 $ 894 $ 8,683 $ -- Multi-family 15,243 -- 685 -- Construction 3,757 -- -- -- Land 852 -- -- -- Farm 2,848 -- 309 -- Nonresidential real estate 28,990 746 683 -- Commercial nonmortgage 1,584 -- 491 -- Consumer: Loans on deposits 1,415 -- -- -- Home equity 8,053 137 24 -- Automobile 91 -- -- -- Unsecured 446 -- 5 -- $ 269,768 $ 1,777 $ 10,880 $ -- Purchased Credit Impaired Loans: The Company purchased loans during fiscal year 2013 for which there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans, net of a purchase credit discount of $351,000 and $351,000 at September 30, 2019 and June 30, 2019, respectively, is as follows: (in thousands) September 30, June 30, One- to four-family residential real estate $ 902 $ 949 Accretable yield, or income expected to be collected, is as follows (in thousands) Three Twelve Balance at beginning of period $ 544 $ 634 Accretion of income (28 ) (90 ) Disposals, net of recoveries -- -- Balance at end of period $ 516 $ 544 For those purchased loans disclosed above, the Company made no increase in allowance for loan losses for the year ended June 30, 2019, nor for the three-month period ended September 30, 2019. Neither were any allowance for loan losses reversed during those periods.

Disclosures About Fair Value of

Disclosures About Fair Value of Assets and Liabilities	3 Months Ended
	Sep. 30, 2019
Fair Value Disclosures [Abstract]
Disclosures About Fair Value of Assets and Liabilities	5. Disclosures About Fair Value of Assets and Liabilities ASC topic 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants (exit price) at the measurement date. ASC topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1 Level 2 Level 3 Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Securities Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics. Level 2 securities include agency mortgage-backed securities and agency bonds. Impaired Loans At the time a loan is considered impaired, it is evaluated for loss based on the fair value of collateral securing the loan if the loan is collateral dependent. If a loss is identified, a specific allocation will be established as part of the allowance for loan losses such that the loan's net carrying value is at its estimated fair value. Impaired loans carried at fair value generally receive specific allocations of the allowance for loan losses. For collateral-dependent loans, fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower's financial statements, or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation, and management's expertise and knowledge of the client and client's business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Other Real Estate Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Financial assets measured at fair value on a recurring basis are summarized below: Fair Value Measurements Using (in thousands) Fair Quoted Significant Significant September 30, 2019 U.S. Treasury notes $ 499 $ -- $ 499 $ -- Agency bonds 505 -- 505 -- Agency mortgage-backed: residential 42 -- 42 -- $ 1,046 $ -- $ 1,046 $ -- June 30, 2019 U.S. Treasury notes $ 497 $ -- $ 497 $ -- Agency bonds 505 -- 505 -- Agency mortgage-backed: residential 43 -- 43 -- $ 1,045 $ -- $ 1,045 $ -- Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements Using (in thousands) Fair Quoted Significant Significant September 30, 2019 Loans One- to four-family $ 9 $ -- $ -- $ 9 June 30, 2019 Loans One- to four-family $ 593 $ -- $ -- $ 593 Other real estate owned, net One- to four-family $ 117 $ -- $ -- $ 117 There was one impaired loan, which was measured using the fair value of the collateral for collateral-dependent loans, at September 30, 2019, and seven impaired loans at June 30, 2019. There was a charge off of $8,000 made for the three-month period ended September 30, 2019 and a $10,000 charge off for the three-month period ended September 30, 2018. There was no other real estate owned written down during the three months ended September 30, 2019. Other real estate owned measured at fair value less costs to sell, had a carrying amount of $117,000 at June 30, 2019. Other real estate owned was written down $18,000 during the three months ended September 30, 2018. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2019 and June 30, 2019: Range Fair Value Valuation Unobservable (Weighted September 30, 2019 (in thousands) Technique(s) Input(s) Average) Loans: One- to four-family $ 9 Sales comparison approach Adjustments for differences between comparable sales -82.2% to 151.3% Range Fair Value Valuation Unobservable (Weighted June 30, 2019 (in thousands) Technique(s) Input(s) Average) Loans: One- to four-family $ 593 Sales comparison approach Adjustment for differences between comparable sales 25.3% to -50.6% Foreclosed and repossessed assets: One- to four-family $ 117 Sales comparison approach Adjustments for differences between comparable sales 8.6% to 31.0% The following is a disclosure of the fair value of financial instruments, both assets and liabilities, whether or not recognized in the consolidated balance sheet, for which it is practicable to estimate that value. For financial instruments where quoted market prices are not available, fair values are based on estimates using present value and other valuation methods. The methods used are greatly affected by the assumptions applied, including the discount rate and estimates of future cash flows. Therefore, the fair values presented may not represent amounts that could be realized in an exchange for certain financial instruments. Based on the foregoing methods and assumptions, the carrying value and fair value of the Company's financial instruments at September 30, 2019 and June 30, 2019 are as follows: Fair Value Measurements at September 30, 2019 Using (in thousands) Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 12,155 $ 12,155 $ 12,155 Time deposits in other financial institutions 3,465 3,475 3,475 Available-for-sale securities 1,046 $ 1,046 1,046 Held-to-maturity securities 680 686 686 Loans receivable - net 279,633 283,880 283,880 Federal Home Loan Bank stock 6,482 n/a Accrued interest receivable 743 743 743 Financial liabilities Deposits $ 196,079 $ 68,437 $ 127,649 196,086 Federal Home Loan Bank advances 64,373 64,505 64,505 Advances by borrowers for taxes and insurance 1,050 1,050 1,050 Accrued interest payable 29 29 29 Fair Value Measurements at June 30, 2019 Using (in thousands) Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 9,861 $ 9,861 $ 9,861 Term deposits in other financial institutions 6,962 6,963 6,963 Available-for-sale securities 1,045 $ 1,045 1,045 Held-to-maturity securities 775 775 775 Loans receivable – net 280,969 $ 285,700 285,700 Federal Home Loan Bank stock 6,482 n/a Accrued interest receivable 758 758 758 Financial liabilities Deposits $ 195,836 $ 69,944 $ 123,920 $ 193,864 Federal Home Loan Bank advances 66,703 66,719 66,719 Advances by borrowers for taxes and insurance 763 763 763 Accrued interest payable 28 28 28

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	3 Months Ended
	Sep. 30, 2019
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Other Comprehensive Income (Loss)	6. Other Comprehensive Income (Loss) The Company's other comprehensive income is comprised solely of unrealized gains and losses on available-for-sale securities. The following is a summary of the accumulated other comprehensive income balances, net of tax: Three months Beginning balance $ 4 Current year change -- Ending balance $ 4 Other comprehensive income (loss) components and related tax effects for the periods indicated were as follows: Three months ended (in thousands) 2019 2018 Unrealized holding losses on available-for-sale securities $ -- $ (1 ) Tax effect -- -- Net-of-tax amount $ -- $ (1 )

Basis of Presentation (Policies

Basis of Presentation (Policies)	3 Months Ended
	Sep. 30, 2019
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation
Reclassifications	Reclassifications
New Accounting Standards	New Accounting Standards FASB ASC 326 - FASB ASC 842 – Leases (Topic 842). Elements of Financial FASB ASC 350 – Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill Impairment. FASB ASC 820 – Fair Value Measurement (Topic 820) Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company's financial position, results of operations or cash flows.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Sep. 30, 2019
Earnings Per Share [Abstract]
Schedule of earnings per share	Three months ended 2019 2018 Net income allocated to common shareholders, basic and diluted $ 234,000 $ 138,000 EARNINGS PER SHARE Basic and diluted $ 0.03 $ 0.02 Weighted average common shares outstanding, basic and diluted 8,277,502 8,376,928

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Sep. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of gross unrealized or unrecognized gains and losses	September 30, 2019 (in thousands) Amortized Gross Gross Estimated Available-for-sale Securities U.S. Treasury securities $ 499 $ -- $ -- $ 499 Agency bonds 501 4 -- 505 Agency mortgage-backed: residential 42 -- -- 42 $ 1,042 $ 4 $ -- $ 1,046 Held-to-maturity Securities Agency mortgage-backed: residential $ 680 $ 13 $ 7 $ 686 June 30, 2019 (in thousands) Amortized Gross Gross Estimated Available-for-sale Securities U.S. Treasury securities $ 496 $ 1 $ -- $ 497 Agency bonds 501 4 505 Agency mortgage-backed: residential 43 -- -- 43 $ 1,040 $ 5 $ -- $ 1,045 Held-to-maturity Securities Agency mortgage-backed: residential $ 775 $ 14 $ 14 $ 775
Schedule of available-for-sale securities	(in thousands) Amortized Cost Fair Value Available for sale: Within one year $ 997 $ 1,002

Loans Receivable (Tables)

Loans Receivable (Tables)	3 Months Ended
	Sep. 30, 2019
Receivables [Abstract]
Schedule of loan portfolio	September 30, June 30, (in thousands) 2019 2019 Residential real estate One- to four-family $ 215,384 $ 216,066 Multi-family 15,545 15,928 Construction 3,927 3,757 Land 1,099 852 Farm 3,135 3,157 Nonresidential real estate 30,513 30,419 Commercial nonmortgage 1,942 2,075 Consumer and other: Loans on deposits 1,259 1,415 Home equity 7,644 8,214 Automobile 95 91 Unsecured 539 451 281,083 282,425 Allowance for loan losses (1,450 ) (1,456 ) $ 279,633 $ 280,969
Schedule of allowance for loan losses by portfolio segment	(in thousands) Beginning Provision Loans Recoveries Ending Residential real estate: One- to four-family $ 685 $ 66 $ 65 $ -- $ 686 Multi-family 200 (7 ) -- -- 193 Construction 6 -- -- -- 6 Land 1 -- -- -- 1 Farm 6 -- -- -- 6 Nonresidential real estate 336 3 -- -- 339 Commercial nonmortgage 5 -- -- -- 5 Consumer and other: Loans on deposits 3 (1 ) -- -- 2 Home equity 14 (2 ) -- -- 12 Automobile -- -- -- -- -- Unsecured -- -- -- -- -- Unallocated 200 -- -- -- 200 Totals $ 1,456 $ 59 $ 65 $ -- $ 1,450 (in thousands) Beginning balance Provision for loan losses Loans Recoveries Ending balance Residential real estate: One- to four-family $ 795 $ 22 $ (59 ) $ 23 $ 781 Multi-family 225 7 -- -- 232 Construction 8 (4 ) -- -- 4 Land 1 -- -- -- 1 Farm 6 -- -- -- 6 Nonresidential real estate 321 2 -- -- 323 Commercial nonmortgage 3 1 -- -- 4 Consumer and other: Loans on deposits 3 -- -- -- 3 Home equity 13 3 -- -- 16 Automobile -- -- -- -- -- Unsecured 1 (20 ) -- 20 1 Unallocated 200 -- -- -- 200 Totals $ 1,576 $ 11 $ (59 ) $ 43 $ 1,571
Schedule of allowance for loan losses and the recorded investment in loans by portfolio	September 30, 2019: (in thousands) Loans Loans Unpaid Ending Unallocated Total Loans individually evaluated for impairment: Residential real estate: One- to four-family $ 3,553 $ 902 $ 4,455 $ -- $ -- $ -- Multi-family 681 -- 681 -- -- -- Farm 310 -- 310 -- -- -- Nonresidential real estate 727 -- 727 -- -- -- 5,271 902 6,173 -- -- -- Loans collectively evaluated for impairment: Residential real estate: One- to four-family $ 210,929 $ 686 $ -- $ 686 Multi-family 14,864 193 -- 193 Construction 3,927 6 -- 6 Land 1,099 1 -- 1 Farm 2,825 6 -- 6 Nonresidential real estate 29,786 339 -- 339 Commercial nonmortgage 1,942 5 -- 5 Consumer: Loans on deposits 1,259 2 -- 2 Home equity 7,644 12 -- 12 Automobile 95 -- -- -- Unsecured 539 -- -- -- Unallocated -- -- 200 200 274,910 1,250 200 1,450 $ 281,083 $ 1,250 $ 200 $ 1,450 June 30, 2019: (in thousands) Loans Loans Unpaid Ending Unallocated Total Loans individually evaluated for impairment: Residential real estate: One- to four-family $ 3,837 $ 949 $ 4,786 $ -- $ -- $ -- Multi-family 685 -- 685 Farm 309 -- 309 Nonresidential real estate 683 -- 683 -- -- -- 5,514 949 6,463 -- -- -- Loans collectively evaluated for impairment: Residential real estate: One- to four-family $ 210,595 $ 685 $ -- $ 685 Multi-family 15,928 200 -- 200 Construction 3,757 6 -- 6 Land 852 1 -- 1 Farm 2,848 6 -- 6 Nonresidential real estate 29,736 336 -- 336 Commercial nonmortgage 2,075 5 -- 5 Consumer: Loans on deposits 1,415 3 -- 3 Home equity 8,214 14 -- 14 Automobile 91 -- -- -- Unsecured 451 -- -- -- Unallocated -- -- 200 200 275,962 1,256 200 1,456 $ 282,425 $ 1,256 $ 200 $ 1,456
Schedule of impaired loans by class of loans	(in thousands) Average Interest Cash Basis Average Interest Cash Basis 2019 2018 With no related allowance recorded: One- to four-family $ 3,694 $ 34 $ 34 $ 3,605 $ 16 $ 16 Multi-family 683 11 11 -- -- -- Farm 310 -- -- 310 -- -- Nonresidential real estate 705 7 7 411 -- -- Purchased credit-impaired loans 926 18 18 1,055 8 8 6,318 70 70 5,380 24 24 With an allowance recorded: One- to four-family -- -- -- -- -- -- $ 6,318 $ 70 $ 70 $ 5,380 $ 24 $ 24
Schedule of recorded investment in nonaccrual and loans	September 30, 2019 June 30, 2019 (in thousands) Nonaccrual Loans Nonaccrual Loans Residential real estate: One- to four-family residential real estate $ 4,145 $ 1,607 $ 4,545 $ 1,747 Multifamily 681 -- 685 -- Farm 310 -- 309 -- Nonresidential real estate and land 727 -- 683 49 Commercial and industrial 1 -- 1 -- Consumer 5 8 9 -- $ 5,869 $ 1,615 $ 6,232 $ 1,796
Schedule of types troubled debt restructuring loan modifications	(in thousands) Troubled Debt Troubled Debt Total Three months ended September 30, 2019 Residential real estate: Terms extended and additional funds advanced $ 120 $ -- $ 120 Three months ended September 30, 2018 Residential real estate: Terms extended $ 249 $ -- $ 249
Schedule of principal balance outstanding in past due loans	(in thousands) 30-89 Days 90 Days or Total Past Loans Not Total Residential real estate: One-to four-family $ 2,648 $ 2,720 $ 5,368 $ 210,016 $ 215,384 Multi-family -- 248 248 15,297 15,545 Construction -- -- -- 3,927 3,927 Land 740 -- 740 359 1,099 Farm 189 310 499 2,637 3,135 Nonresidential real estate 434 306 740 29,772 30,513 Commercial non-mortgage -- -- -- 1,942 1,942 Consumer and other: Loans on deposits -- -- -- 1,259 1,259 Home equity 44 -- 44 7,600 7,644 Automobile -- 8 8 87 95 Unsecured 2 -- 2 537 539 Total $ 4,057 $ 3,592 $ 7,649 $ 273,434 $ 281,083 (in thousands) 30-89 Days 90 Days or Total Past Loans Not Total Residential real estate: One-to four-family $ 4,201 $ 3,479 $ 7,500 $ 208,566 $ 216,066 Multi-family -- 248 248 15,680 15,928 Construction 753 -- 753 3,004 3,757 Land -- -- -- 852 852 Farm 2 -- 2 3,155 3,157 Nonresidential real estate 362 49 411 30,008 30,419 Commercial nonmortgage -- -- -- 2,075 2,075 Consumer: Loans on deposits -- -- -- 1,415 1,415 Home equity 38 -- 38 8,176 8,214 Automobile 8 -- 8 83 91 Unsecured -- -- -- 451 451 Total $ 5,184 $ 3,776 $ 8,960 $ 273,465 $ 282,425
Schedule of analysis performed, the risk category of loans by class of loans	(in thousands) Pass Special Substandard Doubtful Residential real estate: One- to four-family $ 206,428 $ 833 $ 8,123 $ -- Multi-family 14,864 -- 681 -- Construction 3,927 -- -- -- Land 1,099 -- -- -- Farm 2,826 -- 310 -- Nonresidential real estate 29,043 742 727 -- Commercial nonmortgage 1,574 -- 369 -- Consumer: Loans on deposits 1,259 -- -- -- Home equity 7,417 207 20 -- Automobile 87 -- 8 -- Unsecured 534 -- 5 -- $ 269,058 $ 1,782 $ 10,243 $ -- (in thousands) Pass Special Substandard Doubtful Residential real estate: One- to four-family $ 206,489 $ 894 $ 8,683 $ -- Multi-family 15,243 -- 685 -- Construction 3,757 -- -- -- Land 852 -- -- -- Farm 2,848 -- 309 -- Nonresidential real estate 28,990 746 683 -- Commercial nonmortgage 1,584 -- 491 -- Consumer: Loans on deposits 1,415 -- -- -- Home equity 8,053 137 24 -- Automobile 91 -- -- -- Unsecured 446 -- 5 -- $ 269,768 $ 1,777 $ 10,880 $ --
Schedule of purchased loans	(in thousands) September 30, June 30, One- to four-family residential real estate $ 902 $ 949
Schedule of accretable yield, or income expected to be collected	(in thousands) Three Twelve months ended June 30, Balance at beginning of period $ 544 $ 634 Accretion of income (28 ) (90 ) Disposals, net of recoveries -- -- Balance at end of period $ 516 $ 544

Disclosures About Fair Value _2

Disclosures About Fair Value of Assets and Liabilities (Tables)	3 Months Ended
	Sep. 30, 2019
Fair Value Disclosures [Abstract]
Schedule of financial assets measured at fair value on a recurring basis	Fair Value Measurements Using (in thousands) Fair Quoted Significant Significant September 30, 2019 U.S. Treasury notes $ 499 $ -- $ 499 $ -- Agency bonds 505 -- 505 -- Agency mortgage-backed: residential 42 -- 42 -- $ 1,046 $ -- $ 1,046 $ -- June 30, 2019 U.S. Treasury notes $ 497 $ -- $ 497 $ -- Agency bonds 505 -- 505 -- Agency mortgage-backed: residential 43 -- 43 -- $ 1,045 $ -- $ 1,045 $ --
Schedule of assets measured at fair value on a non-recurring basis	Fair Value Measurements Using (in thousands) Fair Quoted Significant Significant September 30, 2019 Loans One- to four-family $ 9 $ -- $ -- $ 9 June 30, 2019 Loans One- to four-family $ 593 $ -- $ -- $ 593 Other real estate owned, net One- to four-family $ 117 $ -- $ -- $ 117
Schedule of fair value measurements for financial instruments measured at fair value on a non-recurring basis	Range Fair Value Valuation Unobservable (Weighted September 30, 2019 (in thousands) Technique(s) Input(s) Average) Loans: One- to four-family $ 9 Sales comparison approach Adjustments for differences between comparable sales -82.2% to 151.3% Range Fair Value Valuation Unobservable (Weighted June 30, 2019 (in thousands) Technique(s) Input(s) Average) Loans: One- to four-family $ 593 Sales comparison approach Adjustment for differences between comparable sales 25.3% to -50.6% Foreclosed and repossessed assets: One- to four-family $ 117 Sales comparison approach Adjustments for differences between comparable sales 8.6% to 31.0%
Schedule of foregoing methods and assumptions, the carrying value and fair value	Fair Value Measurements at September 30, 2019 Using (in thousands) Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 12,155 $ 12,155 $ 12,155 Time deposits in other financial institutions 3,465 3,475 3,475 Available-for-sale securities 1,046 $ 1,046 1,046 Held-to-maturity securities 680 686 686 Loans receivable - net 279,633 283,880 283,880 Federal Home Loan Bank stock 6,482 n/a Accrued interest receivable 743 743 743 Financial liabilities Deposits $ 196,079 $ 68,437 $ 127,649 196,086 Federal Home Loan Bank advances 64,373 64,505 64,505 Advances by borrowers for taxes and insurance 1,050 1,050 1,050 Accrued interest payable 29 29 29 Fair Value Measurements at June 30, 2019 Using (in thousands) Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 9,861 $ 9,861 $ 9,861 Term deposits in other financial institutions 6,962 6,963 6,963 Available-for-sale securities 1,045 $ 1,045 1,045 Held-to-maturity securities 775 775 775 Loans receivable – net 280,969 $ 285,700 285,700 Federal Home Loan Bank stock 6,482 n/a Accrued interest receivable 758 758 758 Financial liabilities Deposits $ 195,836 $ 69,944 $ 123,920 $ 193,864 Federal Home Loan Bank advances 66,703 66,719 66,719 Advances by borrowers for taxes and insurance 763 763 763 Accrued interest payable 28 28 28

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Sep. 30, 2019
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive income (loss) balances, net of tax	Three months Beginning balance $ 4 Current year change -- Ending balance $ 4 Three months ended (in thousands) 2019 2018 Unrealized holding losses on available-for-sale securities $ -- $ (1 ) Tax effect -- -- Net-of-tax amount $ -- $ (1 )

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Earnings Per Share [Abstract]
Net income allocated to common shareholders, basic and diluted	$ 234	$ 138
EARNINGS PER SHARE
Basic and diluted	$ 0.03	$ 0.02
Weighted average common shares outstanding, basic and diluted	8,277,502	8,376,928

Investment Securities (Details)

Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Available-for-sale Securities
Available-for-sale Securities, Amortized cost	$ 1,042	$ 1,040
Available-for-sale Securities, Gross unrealized/ unrecognized gains	4	5
Available-for-sale Securities, Gross unrealized/ unrecognized losses
Available-for-sale Securities, Estimated fair value	1,046	1,045
Held-to-maturity Securities
Held-to-maturity Securities, Estimated fair value	686	775
Agency bonds [Member]
Available-for-sale Securities
Available-for-sale Securities, Amortized cost	501	501
Available-for-sale Securities, Gross unrealized/ unrecognized gains	4	4
Available-for-sale Securities, Gross unrealized/ unrecognized losses
Available-for-sale Securities, Estimated fair value	505	505
Agency mortgage-backed: residential [Member]
Available-for-sale Securities
Available-for-sale Securities, Amortized cost	42	43
Available-for-sale Securities, Gross unrealized/ unrecognized gains
Available-for-sale Securities, Gross unrealized/ unrecognized losses
Available-for-sale Securities, Estimated fair value	42	43
Held-to-maturity Securities
Held-to-maturity Securities, Amortized cost	680	775
Held-to-maturity Securities, Gross unrealized/ unrecognized gains	13	14
Held-to-maturity Securities, Gross unrealized/ unrecognized losses	7	14
Held-to-maturity Securities, Estimated fair value	886	775
U.S. Treasury securities [Member]
Available-for-sale Securities
Available-for-sale Securities, Amortized cost	499	496
Available-for-sale Securities, Gross unrealized/ unrecognized gains		1
Available-for-sale Securities, Gross unrealized/ unrecognized losses
Available-for-sale Securities, Estimated fair value	$ 499	$ 497

Investment Securities (Details

Investment Securities (Details 1)	Sep. 30, 2019USD ($)
Available for sale:
Amortized Cost, Within one year	$ 997,000
Fair Value, within one year	$ 1,002,000

Investment Securities (Detail_2

Investment Securities (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Investment Securities (Textual)
Pledged securities	$ 2,000	$ 2,100

Loans Receivable (Details)

Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Sep. 30, 2018	Jun. 30, 2018
Residential real estate
One-to four-family	$ 215,384	$ 216,066
Multi-family	15,545	15,928
Construction	3,927	3,757
Land	1,099	852
Farm	3,135	3,157
Nonresidential real estate	30,513	30,419
Commercial nonmortgage	1,942	2,075
Consumer and other:
Loans on deposits	1,259	1,415
Home equity	7,644	8,214
Automobile	95	91
Unsecured	539	451
Loans receivable, gross	281,083	282,425
Allowance for loan losses	(1,450)	(1,456)	$ (1,571)	$ (1,576)
Loans receivable - net	$ 279,633	$ 280,969

Loans Receivable (Details 1)

Loans Receivable (Details 1) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	$ 1,456	$ 1,576
Provision for loan losses	59	11
Loans charged off	65	(59)
Recoveries		43
Ending balance	1,450	1,571
Automobile [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance
Provision for loan losses
Loans charged off
Recoveries
Ending balance
Farm [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	6	6
Provision for loan losses
Loans charged off
Recoveries
Ending balance	5	6
Commercial nonmortgage [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	5	3
Provision for loan losses		1
Loans charged off
Recoveries
Ending balance	5	4
Loans on deposits [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	3	3
Provision for loan losses	(1)
Loans charged off
Recoveries
Ending balance	2	3
Home equity [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	13	13
Provision for loan losses	(2)	3
Loans charged off
Recoveries
Ending balance	12	16
Unsecured [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	1	1
Provision for loan losses		(20)
Loans charged off
Recoveries		20
Ending balance		1
Unallocated [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	200	200
Provision for loan losses
Loans charged off
Recoveries
Ending balance	200	200
One-to four-family residential real estate [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	795	795
Provision for loan losses	66	22
Loans charged off	65	(59)
Recoveries		23
Ending balance	686	781
Multi-family [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	225	225
Provision for loan losses	(7)	7
Loans charged off
Recoveries
Ending balance	193	232
Construction [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	8	8
Provision for loan losses		(4)
Loans charged off
Recoveries
Ending balance	6	4
Land [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	1	1
Provision for loan losses
Loans charged off
Recoveries
Ending balance	1	1
Nonresidential real estate [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Beginning balance	336	321
Provision for loan losses	3	2
Loans charged off
Recoveries
Ending balance	$ 339	$ 323

Loans Receivable (Details 2)

Loans Receivable (Details 2) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Automobile [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	$ 95	$ 91
Loans collectively evaluated for impairment, Ending allowance attributed to loans
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance
Farm [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Loans Individually evaluated	310	309
Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality
Loans individually evaluated for impairment, Ending loans balance	310	309
Loans individually evaluated for impairment, Total allowance
Loans collectively evaluated for impairment, Ending loans balance	2,825	2,848
Loans collectively evaluated for impairment, Ending allowance attributed to loans	5	6
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	6	6
Nonresidential real estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Loans Individually evaluated	727	683
Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality
Loans individually evaluated for impairment, Ending loans balance	727	683
Loans individually evaluated for impairment, Total allowance
Loans collectively evaluated for impairment, Ending loans balance	29,786	29,736
Loans collectively evaluated for impairment, Ending allowance attributed to loans	339	336
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	339	336
Commercial non-mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	1,942	2,075
Loans collectively evaluated for impairment, Ending allowance attributed to loans	5	5
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	5	5
Loans on deposits [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	1,259	1,415
Loans collectively evaluated for impairment, Ending allowance attributed to loans	3	3
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	2	3
Home equity [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	7,644	8,214
Loans collectively evaluated for impairment, Ending allowance attributed to loans	12	14
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	12	14
Unsecured [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	539	451
Loans collectively evaluated for impairment, Ending allowance attributed to loans
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance
Unallocated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance
Loans collectively evaluated for impairment, Ending allowance attributed to loans
Loans collectively evaluated for impairment, Unallocated allowance	200	200
Loans collectively evaluated for impairment, Total allowance	200	200
One-to four-family residential real estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Loans Individually evaluated	3,553	3,837
Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality	902	949
Loans individually evaluated for impairment, Ending loans balance	4,455	4,786
Loans individually evaluated for impairment, Total allowance
Loans collectively evaluated for impairment, Ending loans balance	210,929	210,595
Loans collectively evaluated for impairment, Ending allowance attributed to loans	686	685
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	686	685
Multi-family [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Loans Individually evaluated	681	685
Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality
Loans individually evaluated for impairment, Ending loans balance	681	685
Loans collectively evaluated for impairment, Ending loans balance	14,864	15,928
Loans collectively evaluated for impairment, Ending allowance attributed to loans	193	200
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	193	200
Construction [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	3,927	3,757
Loans collectively evaluated for impairment, Ending allowance attributed to loans	6	6
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	6	6
Land [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans collectively evaluated for impairment, Ending loans balance	1,099	852
Loans collectively evaluated for impairment, Ending allowance attributed to loans	1	1
Loans collectively evaluated for impairment, Unallocated allowance
Loans collectively evaluated for impairment, Total allowance	1	1
Loans individually evaluated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Total	5,271	5,515
Loans acquired with deteriorated credit quality [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Total	902	949
Unpaid principal balance and recorded investment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Total	6,173	6,463
Loans collectively evaluated for impairment, Total	274,910	275,962
Evaluated for impairment, Total	281,083	282,425
Ending allowance attributed to loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Total
Loans collectively evaluated for impairment, Total	1,250	1,256
Evaluated for impairment, Total	1,250	1,256
Unallocated allowance [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Total
Loans collectively evaluated for impairment, Total	200	200
Evaluated for impairment, Total	200	200
Total allowance [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, Total
Loans collectively evaluated for impairment, Total	1,450	1,456
Evaluated for impairment, Total	$ 1,450	$ 1,456

Loans Receivable (Details 3)

Loans Receivable (Details 3) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With no related allowance	$ 6,318	$ 5,380
Average Recorded Investment, With related allowance	6,318	5,380
Interest Income Recognized, With no related allowance	70	24
Interest Income Recognized, With related allowance	70	24
Cash Basis Income Recognized, With no related allowance	70	24
Cash Basis Income Recognized, With related allowance	70	24
One-to four-family residential real estate [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With no related allowance	4,577	3,605
Average Recorded Investment, With related allowance
Interest Income Recognized, With no related allowance	34	16
Interest Income Recognized, With related allowance
Cash Basis Income Recognized, With no related allowance	34	16
Cash Basis Income Recognized, With related allowance
Residential Real Estate Multi Family [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With no related allowance	683
Interest Income Recognized, With no related allowance	11
Cash Basis Income Recognized, With no related allowance	11
Farm [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With no related allowance	310	310
Interest Income Recognized, With no related allowance
Cash Basis Income Recognized, With no related allowance
Nonresidential real estate [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With no related allowance	705	411
Interest Income Recognized, With no related allowance	7
Cash Basis Income Recognized, With no related allowance	7
Purchased credit-impaired loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, With no related allowance	926	1,055
Interest Income Recognized, With no related allowance	18	8
Cash Basis Income Recognized, With no related allowance	$ 18	$ 8

Loans Receivable (Details 4)

Loans Receivable (Details 4) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Residential real estate:
Nonaccrual	$ 5,869	$ 6,232
Loans Past Due Over 90 Days Still Accruing	1,615	1,796
Commercial and industrial [Member]
Residential real estate:
Nonaccrual	1	1
Loans Past Due Over 90 Days Still Accruing
One-to four-family residential real estate [Member]
Residential real estate:
Nonaccrual	4,145	4,545
Loans Past Due Over 90 Days Still Accruing	1,607	1,747
Multi-family [Member]
Residential real estate:
Nonaccrual	681	685
Loans Past Due Over 90 Days Still Accruing
Farm [Member]
Residential real estate:
Nonaccrual	310	309
Loans Past Due Over 90 Days Still Accruing
Nonresidential real estate and land [Member]
Residential real estate:
Nonaccrual	727	683
Loans Past Due Over 90 Days Still Accruing		49
Consumer [Member]
Residential real estate:
Nonaccrual	5	9
Loans Past Due Over 90 Days Still Accruing

Loans Receivable (Details 5)

Loans Receivable (Details 5) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Residential real estate:
Terms extended and additional funds advanced	$ 120
Terms extended		$ 249
Troubled Debt Restructurings Performing to Modified Terms [Member]
Residential real estate:
Terms extended and additional funds advanced	120
Terms extended		249
Troubled Debt Restructurings Not Performing to Modified Terms [Member]
Residential real estate:
Terms extended and additional funds advanced
Terms extended

Loans Receivable (Details 6)

Loans Receivable (Details 6) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 7,649	$ 8,960
Loans Not Past Due	273,434	273,465
Total	281,083	282,425
Automobile [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	8	8
Loans Not Past Due	87	83
Total	95	91
Farm [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	499	2
Loans Not Past Due	2,637	3,155
Total	3,135	3,157
Nonresidential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	740	411
Loans Not Past Due	29,772	30,008
Total	30,513	30,419
Commercial non-mortgage [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	20
Loans Not Past Due	1,942	2,075
Total	1,942	2,075
Loans on deposits [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Loans Not Past Due	1,259	1,415
Total	1,259	1,415
Home equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	44	38
Loans Not Past Due	7,600	8,176
Total	7,644	8,214
Unsecured [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2
Loans Not Past Due	537	451
Total	539	451
One-to four-family residential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	5,368	7,500
Loans Not Past Due	210,016	208,566
Total	215,384	216,066
Multi-family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	248	248
Loans Not Past Due	15,297	15,680
Total	15,545	15,928
Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	603	753
Loans Not Past Due	3,927	3,004
Total	3,927	3,757
Land [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	740
Loans Not Past Due	359	852
Total	1,099	852
30-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	4,057	5,184
30-89 Days Past Due [Member] | Automobile [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		8
30-89 Days Past Due [Member] | Farm [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		2
30-89 Days Past Due [Member] | Nonresidential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	434	362
30-89 Days Past Due [Member] | Commercial non-mortgage [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
30-89 Days Past Due [Member] | Loans on deposits [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
30-89 Days Past Due [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	44	38
30-89 Days Past Due [Member] | Unsecured [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
30-89 Days Past Due [Member] | One-to four-family residential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,648	4,201
30-89 Days Past Due [Member] | Multi-family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
30-89 Days Past Due [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		753
30-89 Days Past Due [Member] | Land [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	740
90 Days or Greater Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	3,592	3,776
90 Days or Greater Past Due [Member] | Automobile [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	8
90 Days or Greater Past Due [Member] | Farm [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	310
90 Days or Greater Past Due [Member] | Nonresidential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	306	49
90 Days or Greater Past Due [Member] | Commercial non-mortgage [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
90 Days or Greater Past Due [Member] | Loans on deposits [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
90 Days or Greater Past Due [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
90 Days or Greater Past Due [Member] | Unsecured [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
90 Days or Greater Past Due [Member] | One-to four-family residential real estate [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,720	3,479
90 Days or Greater Past Due [Member] | Multi-family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	248	248
90 Days or Greater Past Due [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
90 Days or Greater Past Due [Member] | Land [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due

Loans Receivable (Details 7)

Loans Receivable (Details 7) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 281,083	$ 282,425
Automobile [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	95	91
Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	269,058	269,768
Pass [Member] | Automobile [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	87	91
Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Doubtful [Member] | Automobile [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	10,243	10,880
Substandard [Member] | Automobile [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	8
Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,782	1,777
Special Mention [Member] | Automobile [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
One-to four-family residential real estate [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	215,384	216,066
One-to four-family residential real estate [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross		206,489
One-to four-family residential real estate [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
One-to four-family residential real estate [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	8,123	8,683
One-to four-family residential real estate [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	833	894
Multi-family [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	15,545	15,928
Multi-family [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	14,864	15,243
Multi-family [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Multi-family [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	681	685
Multi-family [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Construction [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	3,927	3,757
Construction [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	3,927	3,757
Construction [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Construction [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Construction [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Nonresidential real estate [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	29,043	28,990
Nonresidential real estate [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Nonresidential real estate [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	727	683
Nonresidential real estate [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross		746
Land [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,099	852
Land [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,099	852
Land [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Land [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Land [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Commercial nonmortgage [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,942	2,075
Commercial nonmortgage [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,574	1,584
Commercial nonmortgage [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Commercial nonmortgage [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	369	491
Commercial nonmortgage [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	742
Farm [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	3,135	3,157
Farm [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	2,826	2,848
Farm [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Farm [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	310	309
Farm [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Farm [Member] | Not rated [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Loans on deposits [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,259	1,415
Loans on deposits [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,259	1,415
Loans on deposits [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Loans on deposits [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Loans on deposits [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Home equity [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	7,644	8,214
Home equity [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	7,417	8,053
Home equity [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Home equity [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	20	24
Home equity [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	207	137
Unsecured [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	539	451
Unsecured [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	534	446
Unsecured [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Unsecured [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	5	5
Unsecured [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross
Nonresidential real estate [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 30,513	$ 30,419

Loans Receivable (Details 8)

Loans Receivable (Details 8) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
One- to four-family residential real estate [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Outstanding balance	$ 902	$ 949

Loans Receivable (Details 9)

Loans Receivable (Details 9) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019
Receivables [Abstract]
Balance at beginning of period	$ 544	$ 634
Accretion of income	(28)	(90)
Disposals, net of recoveries
Balance at end of period	$ 516	$ 544

Loans Receivable (Details Textu

Loans Receivable (Details Textual) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Jun. 30, 2019
Loans Receivable (Textual)
Net of a purchase credit discount	$ 351		$ 351
Troubled Debt Restructuring [Member]
Loans Receivable (Textual)
Loans classified as TDRs	$ 1,500		$ 1,600
Bankruptcy proceedings, percentage	27.00%
Secondary mortgage loan		$ 219
Additional loan		$ 30

Disclosures About Fair Value _3

Disclosures About Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	$ 1,046	$ 1,045
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	1,046	1,045
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Agency mortgage-backed: residential [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	42	43
Agency mortgage-backed: residential [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Agency mortgage-backed: residential [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	42	43
Agency mortgage-backed: residential [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Agency bonds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	505	505
Agency bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Agency bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	503	505
Agency bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
U.S. Treasury notes [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	499	497
U.S. Treasury notes [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
U.S. Treasury notes [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	499	497
U.S. Treasury notes [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value

Disclosures About Fair Value _4

Disclosures About Fair Value of Assets and Liabilities (Details 1) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	$ 1,046	$ 1,045
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	1,046	1,045
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Loans One- to four-family [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	9	593
Loans One- to four-family [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Loans One- to four-family [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Loans One- to four-family [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value	$ 9	593
Residential Real Estate One To Four Family [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value		117
Residential Real Estate One To Four Family [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Residential Real Estate One To Four Family [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value
Residential Real Estate One To Four Family [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value		$ 117

Disclosures About Fair Value _5

Disclosures About Fair Value of Assets and Liabilities (Details 2) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2019	Jun. 30, 2019
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value	$ 1,046	$ 1,045
Loans one- to four-family [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value	$ 9	$ 593
Valuation Technique(s)	Sales comparison approach	Sales comparison approach
Unobservable Input(s)	Adjustments for differences between comparable sales	Adjustments for differences between comparable sales
Loans one- to four-family [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (Weighted Average)	82.20%	25.30%
Loans one- to four-family [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (Weighted Average)	151.30%	50.60%
Loans one- to four-family [Member] | Weighted Average [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (Weighted Average)	(20.50%)	(0.60%)
Residential Real Estate One To Four Family [Member] | Foreclosed and repossessed assets: [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value		$ 117
Valuation Technique(s)		Sales comparison approach
Unobservable Input(s)		Adjustments for differences between comparable sales
Residential Real Estate One To Four Family [Member] | Minimum [Member] | Foreclosed and repossessed assets: [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (Weighted Average)		8.60%
Residential Real Estate One To Four Family [Member] | Maximum [Member] | Foreclosed and repossessed assets: [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (Weighted Average)		31.00%
Residential Real Estate One To Four Family [Member] | Weighted Average [Member] | Foreclosed and repossessed assets: [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range (Weighted Average)		(29.00%)

Disclosures About Fair Value _6

Disclosures About Fair Value of Assets and Liabilities (Details 3) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Sep. 30, 2018	Jun. 30, 2018
Financial assets
Cash and cash equivalents, Carrying Value	$ 12,155	$ 9,861	$ 9,931	$ 9,943
Time deposits in other financial institutions, Carrying Value	3,465	6,962
Available-for-sale securities, Carrying Value	1,046	1,045
Held-to-maturity securities, Carrying Value	680	775
Loans receivable - net, Carrying Value	279,633	280,969
Federal Home Loan Bank stock, Carrying Value	6,482	6,482
Accrued interest receivable, Carrying Value	743	758
Cash and Cash Equivalents, Fair Value	10,193	9,861
Term deposits in other financial institutions, Fair Value	3,475	6,963
Available-for-sale securities, Fair Value	547	1,045
Held-to-maturity securities, Fair Value	686	775
Loans receivable - net, Fair Value	283,880	285,700
Accrued interest receivable, Fair Value	745	758
Financial liabilities
Deposits, Carrying Value	196,079	195,836
Federal Home Loan Bank advances, Carrying Value	64,373	66,703
Advances by borrowers for taxes and insurance, Carrying Value	1,050	763
Accrued interest payable, Carrying Value	29	28
Deposits, Fair Value	196,086	193,864
Federal Home Loan Bank advances, Fair Value	64,505	66,719
Advances by borrowers for taxes and insurance, Fair Value	475	763
Accrued interest payable, Fair Value	29	28
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and Cash Equivalents, Fair Value	12,155	9,861
Term deposits in other financial institutions, Fair Value	3,475	6,963
Financial liabilities
Deposits, Fair Value	68,437	69,944
Fair Value, Inputs, Level 2 [Member]
Financial assets
Available-for-sale securities, Fair Value	1,046	1,045
Held-to-maturity securities, Fair Value	686	775
Accrued interest receivable, Fair Value	743	758
Financial liabilities
Deposits, Fair Value	127,649	123,920
Federal Home Loan Bank advances, Fair Value	64,505	66,719
Advances by borrowers for taxes and insurance, Fair Value	1,050	763
Accrued interest payable, Fair Value	29	28
Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans receivable - net, Fair Value	$ 283,880	$ 285,700

Disclosures About Fair Value _7

Disclosures About Fair Value of Assets and Liabilities (Details Textual) $ in Thousands	3 Months Ended		12 Months Ended
	Sep. 30, 2019USD ($)Loans	Sep. 30, 2018USD ($)	Jun. 30, 2019USD ($)Loans
Disclosures About Fair Value of Assets and Liabilities (Textual)
Impairment charge	$ 8	$ 10
Number of impairment loans | Loans	7		7
Other Real Estate Owned [Member]
Disclosures About Fair Value of Assets and Liabilities (Textual)
Other real estate owned written down amount	$ 18		$ 117

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	$ 4
Current year change		$ (1)
Ending balance	$ 4

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) (Details 1) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Unrealized holding losses on available-for-sale securities		$ (1)
Tax effect	0	0
Net-of-tax amount		$ (1)