Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net Income	$ 9,036	$ 7,114
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	213	205
Deferred income tax benefit	(262)	(355)
Net amortization of investment premiums and discounts	755	860
Net amortization (accretion) of deferred loan costs and fees	76	(1,388)
Amortization of subordinated debt issuance costs	46	25
Provision for loan losses	(499)	988
Bank owned life insurance income	(340)	(301)
Net loss on equity securities	19	10
Loss on sale of foreclosed real estate	5	0
Net (decrease) increase in accrued income taxes	(72)	239
Net increase in accrued interest receivable	(1,619)	(524)
Net decrease in prepaid expenses and other assets	439	776
Net decrease in accrued expense and other liabilities	(3,396)	(752)
Net cash provided by operating activities	4,401	6,897
Securities available-for-sale:
Proceeds from maturities	80,476	71,939
Purchases of securities	(22,256)	(102,400)
Proceeds from principal payments on securities	6,898	6,646
Securities held-to-maturity:
Proceeds from maturities	21,539	9,322
Purchases of securities	(21,292)	(95,756)
Proceeds from principal payments on securities	8,297	7,077
Net redemption of Federal Home Loan Bank Stock	4,358	0
Maturity of long-term certificates of deposit	245	180
Purchase of bank owned life insurance	0	(7,000)
Net increase in loans receivable	(98,073)	(10,469)
Proceeds from sale of foreclosed real estate	63	0
Purchases of premises and equipment	(154)	(229)
Net cash used by investing activities	(19,899)	(120,690)
Cash flows from financing activities:
Net decrease in short-term FHLB advances	(100,300)	0
Net decrease in short-term advances from other banks	0	(3,000)
Net proceeds from subordinated notes payable	0	29,501
Payment of cash dividends	(546)	(508)
Net increase in deposits	114,259	51,354
Net cash provided by financing activities	13,413	77,347
Net decrease in cash and cash equivalents	(2,085)	(36,446)
Cash and cash equivalents at beginning of period	69,009	149,775
Cash and cash equivalents at end of period	66,924	113,329
Cash paid during period for:
Interest	3,266	1,374
Income taxes	$ 1,932	$ 1,381